23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The last apartment complex I lived in ( XXXX, VA ) sent me charges for unpaid rent, water and sewer, damaged blind, damaged carpet and late fees. This charges I disagreed with and asked them to substantiate it but was rather sent to a collection agency. I paid my bills on time or early each and every month for the 4years that I lived there and was never once late especially for an apartment complex that has no grace period and all rent/bills has to be paid by the XXXX of each month or risk paying late fees. My credit is now destroyed and its all base on falsified charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

MyFedLoan reported my payment 90 days late on XX/XX/2020 and 120 days XX/XX/2020. 
Payments were only XXXX bucks a month and XXXX XXXX  payment was made in XXXX paying for four months in advance due to a rep verbally stating that I can make a larger payment to pay months in advance. After providing myfedloan with this information and showed them the payment which proves being 120 days late is inaccurate, they decided to not update the credit bereaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account Account Number : XXXX Please remove it from my credit report. 

9. Validate Account Account Number : XXXX Please remove it from my credit report. 

10. Validate Account Account Number : XXXX Please remove it from my credit report. 

11. Validate Account Account Number : XXXX Please remove it from my credit report.
Product: Bank account or service

I have accounts with the Webster Bank, but the bank has not treated me fairly. The bank has either used other institutions some of which they are connected with through various services such check writing. When you need a check, the bank tells you that they will order them for you at a fee. Recently, I ordered a bunk of checks at {$26.00}. The Bank returned the payment and charged my account a fee of {$37.00} despite having money in the Saving account. Now instead of paying {$26.00}, I will buy their checks for {$62.00}. Because the bank controls this transaction and they know I cant put stop on it, They want to hit my account several runs to charge me as much fee as they can. A {$26.00} will soon be hundreds of dollars. They did this previously and I ended up paying over {$650.00}, and {$160.00} just by playing some payments I could not control. I asked them and complain about this behavior, but they told me that they are doing it because I have bad relationship with them. I dont owe the bank any money, neither has the bank given me a loan that i refuse to pay, but they have decided to discriminate me and they are telling me on my ears when I aske them today ( XXXX/XXXX/XXXX between XXXX ). The bank is charging me a lot of fee for a personal account, I am a student, a family man in a low wage job!. They say I cant open account in other banks because they have already reported me that I am a riskier customer because I owe them money. This is true because I went to open an account with a credit XXXX Bank, but I could not because Webster Bank had reported that i owe them over {$1000.00}. This happened in XXXX XXXX. This is bad for me, my family and in so doing, the bank means that they can have me to charge any money, and I do nothing about it. My direct pay goes to the same bank ( Webster Bank ). All the fee the bank charges my account is enough for me to pay my student loan. 
Sometimes back, the bank paid {$95.00} to a company I do not know without my permission. When I asked them to refund the money, they have not to-date. The told me to close the account and open another. Any time they excessively charged my account, they will force me to close and open another one. They will pick me money from my saving account without my permission to pay for these charges. They will not even inform me. I need help. I want the bank to remove my name from the bad reporting agencies or whatever they call them and refund all my money even the closed accounts they forced me to close.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX XXXX  with XXXX I did my payment on XXXX and the person who took that payment put the account number incorrect they sent my a receipt that said everything is good But in XXXX they sent a notification that I did not pay the amount and put a negative information in my credit reports affected my credit score a lot XXXX XXXX My credit was affected so much because they did a mistake I paid all the amount of the card in XXXX In XXXX I called them to let them know there a incorrect information because I call my bank and they told they never received nothing I call them 10 times and they dont helping me with that incorrect inf affected my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to XXXX XXXX XXXX on XX/XX/XXXX to pay my remaining balance on lease loan of XXXX and I attempted to pay through automated service but it was giving a error so I connected to live agent she asked for my account number I stated to her it should already be on file with them like my XXXX XXXX XXXXXXXX acct she apologized and said it wasn't I have her my acct number the second time she ask me to repeat it I have too many numbers. On XX/XX/XXXX I got an alert through experian that a change to my report I checked it chase had reported me 30 days late. So I called them and asked what happen I was speaking with a acct manager name XXXX he told me that the payment didn't go through do to bank error account not found he stated to me not to worry it happens all the time the account number was enter wrong and I asked how come I wasn't contacted by phone and he said they attempted they never updated my contacted number that I have given them 2 months prior and he said they had my contact number as unverified and called my old number instead. He apologize for them not updating my account properly and he said he updated it that day and put notes in the file wrong number was called. He also stated that he would be in touch within two days to complete the investigation on listening to the call the day I made that payment. He never did I had to call myself to get the information that they had completed that day a week later the agent I spoke to that day said she could not remove the late payment. I requested for the call with XXXX to be investigated and this was a common mistake it was a partial payment and I had never been late period and it was a bank error. They were unsympathetic to me as a customer. And very dismissive
Product: Debt collection

On or about XX/XX/2021 I received a notification that a bill from Wakefield & Associates had appeared on my credit report. I wrote the company and asked the for the required proof of the debt and also notified them that I had never received notice of the alleged debt. Because of that they should remove it from my credit report. When they hadn't responded as of XX/XX/2021, I wrote them again and requested the proof. On Friday, XX/XX/XXXX, I received a statement compiled by Wakefield & Associates showing an alleged debt from XXXX XXXX XXXX XXXX  XXXX. Still I have not received any proof and they have not addressed my complaint that I did not receive notice of the debt so that I could dispute it.
Product: Mortgage

On XX/XX/XXXX, this year I received a Notice of Default in a certified mail letter from XXXX XXXX XXXX XXXX XXXX XXXX attorney offices on behalf of my second home mortgage Specialized Loan Servicing or SLS. It warned me that I had three months to bring my delinquent account current or my property will be sold to satisfy the loan agreement. I immediately took action and contacted my loan company to know what my options I had to keep my home. XXXX my loan representative within SLS instructed me on how to go about reinstalling my mortgage payments. I received a letter with the reinstate fees which included the delinquent payments plus the Legal fees.The total amount required was {$3700.00} good through XX/XX/2019. On XX/XX/XXXX I send a Cashier 's Check in a USPS Certified letter including a copy of the SLS reinstate fees with my loan information. I called XXXX right after I left the USPS office to let her know that the money was on its way. I gave her the track number for the letter and told her that the USPS certified it to arrived by XX/XX/XXXX a day earlier. I have already received the stub that shows that my letter was received and signed for and today is XX/XX/XXXX and my payment has not been posted in my account. I have made multiple calls to SLS almost every other day since the day I send my certified payment and they never give me an answer as where the money is sitting ( although they DO acknowledge the cashier 's check is there in their office BUT they have not post it in my account ). I have talk to SLS representatives English and Spanish and none would answer my questions because they only want me to talk to XXXX my loan rep. I have also talked to a manager there and she opened up a ticket saying they will find out whats going on with my payment. There has been three open tickets with my case and NO answers. I am beyond frustrated because I did everything required on my part and SLS is not even trying to help me with putting a hold on the foreclosure on my home. I receive constant calls and letters from solicitors that want to buy my home and letters of delinquency from SLS knowing that they have my payment ( cahsier 's check ) sitting around somewhere in their own office.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Account # XXXX XXXX XX/XX/2023, XXXX 2023, XXXX XX/XX/2023, XXXX XX/XX/2023 violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE and 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

I called this fraud jefferson company because they appeared on my credit report. I didn't recognize them so i called them and they said that they would tell me what the debt was unless i paid them a processing fee first and asked for my credit card info. I called back and they kept doing the same thing.
Product: Credit reporting

I have called Transunion several times and sent letters concerning unauthorized inquires and inaccurate accounts on my credit report.
Product: Credit card or prepaid card

Regarding my Best Buy Citibank credit card account I have been fighting with this company for the entire month of XXXX trying to understand why they are not applying funds to my available balance according to their policy stated in an email to me every time I make a payment that the funds will be available within XXXX hours I have attached documentation of some of my communication with them what I wish is for them to honor their policy and credit any payments I make within XXXX hours maximum I have checked with my local credit union and the XXXX XXXX advises may that the money is indeed in the hands of Citibank immediately on being withdrawn from my account For details of dates and amounts see attachment I am including with my complaint
Product: Checking or savings account

I open a Chime account online received my card in the mail and activated it around the XXXX of XXXX, 2021within the last few weeksI made a {$520.00} deposit on Saturday XX/XX/XXXX and a {$600.00} deposit on XX/XX/XXXX at about noon, I went to use my Chime card and by XXXX they had sent me an email saying they closed my account. No reason why, every time I used the card before was fine. I sent several emails to Chime with only an automated response back, saying they will get back to me. Its XXXX time and I would be using this money for XXXX gifts and food-day to day necessitiesbut Chime has left me with no access to the money I literally just deposited!!! Please help me by shutting down this company so no one else has to ever go through something like this!!
Product: Debt collection

RevNow. XXXX calls in XXXX minutes several times a week. Block the number and they call from a new one. Its for my wifes ex husband and they keep calling. They hung up when I gave them this information. Today they said it would take days to remove my number and hung up.
Product: Debt collection

On XX/XX/year> I received a certified letter at the local post office that was a notice for civil litigation from XXXX XXXX XXXX. I had disputed this alleged debt with XXXX, twice. I requested all debt proof be sent, at which time it was not. I still have not received anything. 
On XX/XX/year> a judgement was put in place as I was not able to make the hearing, and I was still in an active dispute with XXXX Funding. 
On XX/XX/year>, I received a text message that stated : This text is from Shepherd outsourcing, a debt collector regarding your XXXX  XXXX Bank XXXX. ( for which the current creditor is XXXX XXXX XXXX ) account. Visit portal-shepherd.com/? XXXX & s=wVSwk. Reply stop to opt-out or call XXXX. # of messages varies. Message & date rates XXXX apply. This is an attempt to collect a debt and any information obtained will be used for that XXXX XXXX XXXX Reply STOP to opt out. 

XXXX outsourcing, and XXXX XXXX have internally exchanged that " alleged '' debt without still notifying me of any proof that I have requested and disputed to this day. XXXX XXXX and XXXX XXXX are still making attempts to collect this alleged debt that I have no claimed, after receiving a judgement from XXXX XXXX.
Product: Debt collection

On XX/XX/2021, at XXXX XXXX, XXXX, and again at XXXX XXXX  Mrs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX called my phone back to back and threaten to sue me, take me to court, and garnish my wages for a payday loan that is old on behalf of the Cash Store. I advised I have not discussed or talked to anyone from the store, or agreed to any settlement, or anything she claimed. she got rude, and said she will call my employer and garnish my wages, after she locate me, and serve me, and take whatever she wants out of my house. 
During a global Pandemic, and a Natural Disaster in Texas, we are without power, lights, and water, and she calls with this nonsense, I have enough going on in my life, and should at least of all have to deal with this.
Product: Debt collection

Since XX/XX/2018, my personal information has been illegally shared by XXXX XXXX with a company named TrueAccord. TrueAccord claims that XXXX XXXX XXXX XXXX XXXX is their client and that I owe {$60.00}. I have been harassed repeatedly for years with them overwhelming my inbox. It has been stressful. I am a XXXX veteran already dealing with enough XXXX  health issues. I do not have an account number for this alleged debt and did not give my express permission for a person, corporation, or any third party to release my personally identifiable information or contact information. The information that they have obtained is also grossly incorrect! Please just make it stop!
Product: Credit card

Hello I chatted and called Amex team 3x and American Express and it is going against federal law by denying the SCRA for my wife and also you raised my interest rate although Ive emails from Amex approving my zero interest rate.

Please advise how it is possible that other Major credit card companies and banks approved us immediately and you have not done so. XXXX  XXXX XXXX. XXXX. XXXX. XXXX  XXXX. XXXX and others. All approved us immediately and granted the benefits. Meanwhile Amex is trying to act strange and go against the federal law as if you are above the law. This is not like membership rewards. It is not a choice. It is the law. 
Please check your records and the team I spoke with added my notes and my husband also spoke with them. For over an HOUR today. 
It is so disrespectful and I dont know why you have the word American in your name when you clearly disrespect the American military that is protecting you and this country. 
Please check your records and approve this otherwise as discussed since this is the FEDERAL LAW. I will be going to your offices in person to complain and I will be escalating this to my attorney.

After my wife being a member for 30 years and 14 years myself I am disgusted that American Express is managing their business in this poor and illegal manner. May you regret your illegal decisions especially if this country goes to war and the disservice you have provided to the military members and military families. It is an insult. And it is against the federal law. 
Regards
Product: Credit reporting or other personal consumer reports

XXXX didn't properly conduct investigations to resolve issue and they didn't investigate my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor started listing student loans as in collections during period they were included in bankruptcy ( after I started voluntarily repaying them during COVID relief ).
Product: Vehicle loan or lease

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
I am a consumer, natural person, who exercised my right to grant and extend credit by using the open end consumer credit plan by way of the use for credit card of choice, being the social security card. On XX/XX/2021, I entered into a consumer credit transaction with XXXX XXXX XXXX along with the financial institution, Acura Financial Services for the purpose of obtaining the property purchased. None of the contracts provided to me had full disclosures including not disclosing that I have the right to rescind pursuant to 15 USC 1635. Therefore, I have practiced my right to rescind before the 3 day expiration after the date of consummation of the transaction and being sent to all parties involved via Certified Mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is ( still ) reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : Inquiry included in dispute : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, New Jersey XXXX Experian XXXX XXXX XXXX XXXX, Texas XXXX ATTN : EXPERIAN DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX  XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged XXXX XXXX  XXXX referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The XXXX XXXX  XXXX would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with XXXX XXXX  XXXX I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 


Having the above mentioned information, EXPERIAN is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my EXPERIAN consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against EXPERIAN. 

Warm Regards, XXXX XXXX : XXXX Without prejudice, all natural inalienable rights reserved.