23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America states they do n't have the requested information ; however, Bank of America was the primary and master servicer this of loan from XX/XX/XXXX until XX/XX/XXXX. Bank of America transferred the primary servicing rights to XXXX on XX/XX/XXXX. As the master servicer Bank of America should have the requested documents in it 's possession.
Product: Debt collection

Receivable Solutions received a certified letter from me on XX/XX/XXXX requesting they validate 5 debts they are reporting to the credit bureaus in the amounts of : {$80.00}, {$82.00}, {$220.00}, {$240.00}, and {$80.00} 30 days expired and I received no response. 
I sent a second certified mail letter requesting since they have not validated these debts to delete them from my credit reports. They received the letter on XX/XX/XXXX. 

I received the first correspondence today stating they are only investigating one account and to allow them 60 days to validate the account. They are only allowed 30 days and that time period has lapsed...
Product: Checking or savings account

I have been to SunTrust two times to place a check an my checking account and they would hold my money to I had the money an my account to cover the funds, the check was from a approve loan company, why would I need money from a loan company if I had money!!
Product: Debt collection

Discover Card called me to say that they had a clerical error when my resolution of debt was paid off that resulted in me owing $XXXX extra. Discover calls daily 4-5 times a day and leaves a voicemail at XXXX:XXXX   every day. I've told the supervisor who I originally spoke with that I'm available around XXXX:XXXX for lunch to talk. The numbers they call me from are XXXX-XXXX-XXXX and XXXX-XXXX-XXXX. They called me today (XX/XX/19) at XXXX:XXXX XXXX and left a voicemail, and again at XXXX:XXXX. Yesterday (XX/XX/19) I received a call at XXXX:XXXX that left a voicemail and then called again at XXXX:XXXX, XXXX:XXXX, XXXX:XXXX, and XXXX:XXXX. Additionally, I've received NO physical notification to indicate what the debt actually consists of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$1000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting

The collection agency namely XXXX keeps reporting information on my report that does not belong to me. They were unable to verify this debt belonged to me back in XXXX of 2015 and all XXXX trades were deleted well low and behold they are back at it again and the credit reporting agencies are allowing them to report this trade again even though it was deleted the last time because they could not verify any of the information pertained to me. Im sick and tired of doing this every 4 months I want these trades deleted from my reports at once and to never ever to return and I want this collection agency to be held accountable for falsely reporting information that does not belong in peoples reports. These entries have destroyed my credit score to say the least and they need to pay for this. I have disputed this again with all XXXX credit reporting agencies. It is your job to warn them them that these trades must never ever appear in my report again. Im not going to wait 30 days for another investigation I want these deleted like 5 minuted ago meaning now not 30 days from now but right now, Im tired of these collection agencies just doing whatever they please and have to not answer to anyone. I can not give you the full account numbers for the trades as the credit reporting agencies do not provide the entire account numbers for them. To put it plainly anything that says debt recovery solutions needs to be deleted
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX Farleypresent on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXX, MI XXXX should be present on my account Accounts XXXXXXXX XXXX Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting a collection account onto my consumer report that is identifiable by the following information On XXXX XXXX this account is listed as XXXX XXXX # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ( Banking ) Past Due : XXXX XXXX XXXX Account Type : Open Account Individual Account Open Account XXXX XXXX On Experian this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as XXXX XXXX XXXX Opened XXXX XXXX, XXXX ( 4 yrs, 5 mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed Immediately
Product: Debt collection

Lvnv funding has got a debt from a credit card company that was obtain threw identity theft. I now have a credit lock on my account so this never happens again. I have tried to dispute this several time and ask that I be sent the original contract with my signature which I still have not received. I never opened this account or agreed to pay this debt to XXXX XXXX XXXX in the amount of XXXX
Product: Credit card or prepaid card

I put a application in for a bank of america secure credit card and bank of america has declined me for a secure credit card how can I be declined for a bank of america secure credit card when I am putting up My own money to begin with I don't believe My application should have been declined because I have things on My credit report I never had a bank of america secure credit card with my bank I don't agree with My bank declining me the opportunity to get a bank of america secure credit card when I have never had the opportunity to get a sercuce credit card to begin with
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts attached are closed paid in full with a XXXX XXXX balance. Equifax XXXX XXXX and XXXX are reporting to XXXX XXXX  along with other agencies that these accounts are closed and current. 
Fico and XXXX  score service can not report an accurate score because the said above accounts are not being reported as paid. All attached account have a XXXX XXXX balance and are paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with the credit bureau 's on XX/XX/2020. I have yet to receive my investigation results. The Fair Credit Reporting Act ( FCRA ), section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of all original signed documents. I have demanded to see verifiable proof ( an original signed contract with my signature on it ). The bureaus has failure to do so has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me with verified proof, the accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file XXXX is appearing on my credit file. A company that I have never heard of or dealt with. This company has never reached out ton me regarding any alleged debt that they have under my name. They have not given me the chance to dispute the validity of this alleged account. Not only that I am a victim of identity theft and I believe this account is a result of identity theft. I request that this account be block immediately. I have never signed a contract with this company nor any company that XXXX represent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The Listof accounts below has violated my federally protected rights to privacy and confidentiality und 15 USC 1681. 

XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX : XXXX XXXX  Account # XXXX : XXXX  Account # XXXX : XXXX XXXX XXXX  Account # XXXX : XXXX XXXX XXXXe Account # XXXX : XXXX XXXX Account # XXXX : XXXXd Account # XXXX : XXXX XXXX XXXX XXXX Account # XXXX : XXXX account # XXXX : XXXX XXXX XXXX Account # XXXX : XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 it also state a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse items of information other than records of convictions or crimes wich antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

Here is my situation : I obtained a loan from Upstart.com. When setting up my loan payments I added my primary bank account. That account is used for recurring payments. A little over a year in, all payments being made on time, I need to close that account so I can transition to another bank. Then, I go to Upstart to add this new account so I can add the new account. This is where I run in to problems.

According to Upstart there are 3 ways to add my new bank account. First, through logging in with my banks username and PW on their site. Unfortunately, since my bank is a small bank Upstart 's system is not compatible. Second, by uploading a check. I don't used checks and have none associated with this account. Third, 'small deposit method. ' This is where I enter my routing/account number, they place small deposits in my account, and I confirm. Because the first two options don't work for me, I chose this. However, there is a glitch in THEIR system. No matter how many times I enter my info I get an error message. They have acknowledged that this third method does not work. I only have the first two options, which for the reasons stated above, do not work for me.

I call and ask them to add my account manually. They say this is impossible. I find that ridiculous. First off, it is not this difficult to add bank accounts from any other major creditor. I believe this company is intentionally making this difficult. My current account will close next month and I will literally have no way to make a payment on my account. I am ready, willing, and able to make payments. They won't let me. Then, of course, they will report late payments to my credit and charge me more fees. This is outrageous. They appear to be making this difficult on purpose. 


Please help me.
Product: Student loan

Honestly, my experience with Navient has been a horrific nightmare since they took over from Sallie Mae. They have allocated funds to my 4 loans with them so one loan is paid off out over a year, and my other loan was charged off and they sued my dad ( who is a cosigner, and threatened to garnish his wages- he ended up taking out part of his retirement to pay his portion off to get off of that loan, but they are still coming after me ). No matter how many times I call, I get a different answer from these people. I graduated in XX/XX/2006, these loans should have been paid off by now, but the insanity of this situation is out of control. I feel like a slave to them. My online account doesn't show apples to oranges and their fraudulent practices make me sick! My credit is ruined, my father 's credit is ruined and I don't even know what recourse I have. How is one loan paid over a year and another loan in default? How am I paying them {$200.00} a month, and they get to chose how it's spent, and then I am left in the dark with ruined credit? I am absolutely disgusted and I want to know what my options are at this point.
Product: Credit reporting or other personal consumer reports

I am filling this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it incorrect and does not reflect my true credit history.
Product: Credit card or prepaid card

XXXX  by   XXXX   XXXX   provides a shopping venue for hundreds of vendors including  XXXX ,   XXXX   XXXX  ,  XXXX ,  XXXX , etc. When you make purchase through the website, the vendor provides a cash-back to  XXXX  college savings account. In addition, there is a 1 % cash back from the Barclay credit card and a 4 % cash back from  XXXX  into the college savings account when you pay for your purchase with a Barclay Upromise credit card.
  XXXX   XXXX   XXXX    provides a 2 % cash back on rentals purchased through the   XXXX   website. This past  XXXX , I arranged for three separate car rentals from  XXXX  at three separate times through the  XXXX  website link for a total coast of {$1300.00}. I completed the three rental purchases and paid with a Barclay  XXXX  credit card.
The first reservation was made on  XXXX   XXXX , 2017 for a rental beginning   XXXX    XXXX , 2017 for {$970.00}. The second reservation was made on the same day for a rental beginning   XXXX    XXXX  for {$290.00}. The third reservation was made on  XXXX   XXXX , 2017 for that day for a cost of {$73.00}. All of the reservations were made through the  XXXX  link.
I did not received my 2 % cash back from  XXXX  and submitted an inquiry through  XXXX .  XXXX  responded that  XXXX  stated that I " clicked on a banner ad which rerouted and completed the transaction on the merchant website instead of the  XXXX  site. '' When I asked fro specific details about this banner, I was told " your last click was not through   XXXX   ''. No explanation was provided about the specifics of this ad banner, the mystery click, and how I was transferred to the   XXXX   website from the   XXXX    website. I am attaching the emails related to my inquires and the  XXXX  responses.
As a result of this claim that I transferred out of the  XXXX  site,   XXXX   will not pay the 2 % cash back and  XXXX  will not pay the 4 % cash back. Barclay has paid the 1 % cash back.
Product: Credit card

Called in XXXX fraudulent charges immediately on XX/XX/2023. Total fraudulent charges from " XXXX XXXX '' totaled {$500.00}. The credit card company only took action on charges ( 3 ) charges totaling {$62.00}. I've called and reported the other ( 8 ) charges totaling {$440.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. XXXX XXXX XXXX {$120.00} Shows charged off. I never opened this account. 

2. XXXX XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.XXXX XXXX  Balance {$0.00} I never opened this account 4. XXXX XXXX Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX XXXX. Again I never had any open account for XXXX  XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills. 

There are also several inquiries, I have not applied for any new credit in the last 4 years.
Product: Credit reporting or other personal consumer reports

I sent a request to each company below requesting a 1099-C. None of them has responded with the information that I requested. Per Transunion, all the accounts just came back verified. I didn't ask them to verify the accounts I asked each company for a 1099-C because each one of them company either wrote the account off or charged the account off meaning that the company wrote the accounts as a lost. meaning I should have received a 1099-C so I can file it as taxable income on my taxes but I didn't get a response to my request. The law clearly states If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Here is the list of companies I sent this request to. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XXXX XX/XX/2023 I received a notice from XXXX XXXX XXXX that I have a delinquent debt originating from Department XXXX XXXX for {$43000.00} and I have no idea why. I contacted XXXX who could provide no information on this debt, only a guess it might be XXXX XXXX. I contacted XXXX XXXX XX/XX/2023 who conformed they have no record of this debt. They forwarded me to XXXX XXXX billing that also stated I have no known debt. At XXXX XXXX XX/XX/2023 I ran my XXXX  through The XXXX XXXX XXXX XXXX web site again no debt. this is very frustrating and scary XXXX  correspondence gives no recourse only pay or suffer a list of posable consequences. I'm not sure who to turn to for help. I guess base legal, file a complaint through the XXXX XXXX XXXX XXXX, and a XXXX XXXX. Again, I received no notice to correct whatever this is it went straight to a credit company for collection very scary please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dealership inquired about my credit without me authorizing the inquiry. 

The dealership is titled " XXXX XXXX XXXX '' on my credit report. 

I requested them to remove the report and they said they would attempt it. 

Nothing has been done for 1 year, Inquiry date XX/XX/2021 Additional details Business Type Automobile Dealers, Used Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I want to have an access on my funds in my paypal account that the XXXX  hold for 180days without valid reason.. the exact amount the hold is XXXX $ My XXXX  email is. XXXX The said amount consist of five ( 5 ) payments send to my account Ive earned legally. 

XX/XX/XXXX, XXXX XXXX $ Paid by. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Paid by. XXXX XXXX Mo XXXX. XXXX XX/XX/year> XXXX $ Paid by. XXXX XXXX XXXX. XXXX XX/XX/year> = XXXX $ Paid by, XXXX XXXX XXXX XXXX. XXXX XX/XX/year> = XXXX $ Paid by. XXXX 's store Email. XXXX XXXX
Product: Debt collection

I noticed this on my credit and this was paid off through another company XXXX years ago. Ive signed in to XXXX and it shows a XXXX balance for me which I attached to my previous complaint. Even if I still owed XXXX it would have been two payments under {$100.00} each not the {$310.00} they are posting on my credit report. 
However the below letter shows that this debt was already paid XXXX years ago, for the {$200.00} actually owed, and XXXX is illegally damaging my credit over a debt that was already paid, and they are attempted to charge over {$100.00} more than the debt was. 
IF this company attempts to say XXXX XXXX XXXX I also included a screenshot that took me two seconds to XXXX " XXXX acquires XXXX '' so they bought out XXXX which is why the debt was paid to XXXX.
Product: Debt collection

XXXX. I was contacted first by someone claiming to be a process server. They stated I was being sued in civil court regarding a Chase credit card, which Ive never had. He gave me a number to call XXXX who stated the same information. Claiming they were going to put a lien against my new vehicle. My concern is they were able to tell me the last 4 digits of my social security number, the make, model and year of my current vehicle, my current address and a previous address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$690.00} XXXX  XXXX XXXX XXXX Balance : {$260.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$420.00} JEFFERSON CAPITAL SYST XXXX Balance XXXX {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Payday loan, title loan, or personal loan

To Whom It May Concern : Hello my name is XXXX XXXX and the reason for this letter is because I did business with XXXX XXXX. I pawn a ring few months back and I miss my final payment and the ring was surrender. So when call to ask about the ring they offer to sell back for difference price, then it supposed to be meaning it was 2 and half times more what it supposed to be, you only required to pay the amount of the interest and what you borrow from the company. The manager I was dealing with got very unprofessional because I was try explain the situation, I told her to show the policy that they can charge 2 and half of amount to buy back your product, she inform me that they dont have nothing that explain the policy.