23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled both of my Capital One accounts with XXXX XXXX XXXX XXXX to begin getting myself out of debt in XX/XX/XXXX. Both accounts were current and I was advised by my counselor to stop making payments, as they would be made on my behalf through XXXX. {$150.00} and {$66.00} respectively were paid to the accounts in both XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( proof attached ). The amount paid to XXXX did not cover the full Capital Once payment, and this resulted in a late status being posted to my credit reports for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was informed by Capital One and by XXXX that the accounts would " re-age '' in XX/XX/XXXX and that the late status for those three months would be removed from my report. This has not occurred. I would like for the late payment status to be removed for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for both accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost two years I have been a member with XXXX XXXX dba XXXX. I was funded my first loan on XX/XX/XXXX and it was paid back in full, on time, on XX/XX/XXXX. Since then I have never missed a payment. But when I look at a recent credit report, with but not limited to, EQUIFAX, XXXX, and XXXX, under my social security number, it shows the opposite. 
Reports show incorrect/missing info. More specifically, incorrect balance, incorrect account status, incorrect payment status, incorrect remarks, incorrect worst payment status, incorrect closed date, and incorrect payment history. 
I have documents proving that my account was paid and is up to date. I have an email from XXXX, thanking me for such payment. I have also faxed in these documents to the credit bureaus including but not limited to, EQUIFAX, XXXX, and XXXX on or around XX/XX/XXXX. Because when I spoke with an agent at XXXX at the beginning of XX/XX/XXXX, they said that the account gets reported to the credit bureaus in the middle of the month, and no change was made to my reports. 
My latest reports came in where XXXX just removed my XXXX account all together, and EQUIFAX and XXXX just lowered my amount owed to {$280.00}. 
These improper procedures are highly damaging my credit scores and they need to be updated immediately.
Product: Credit card

Chase ink engaged in deceptive businesses practices by offering a pay in full credit card. In commercials and in advertisements it was never sold as a pay in full card. This should be addressed because it hurts small businesses
Product: Debt collection

I was working with XXXX XXXX XXXX XXXX XXXX settle a debt owed to XXXX XXXX XXXX XXXX XXXX The account was settled and closed on XX/XX/XXXX and XXXX sold the debt to Midland Credit Management on XX/XX/XXXX. I have been receiving notices trying to peruse legal action by Midland even after notification of debt settlement with XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Number : XXXX XXXX  # XXXX - BALANCE {$5100.00} Account Number : XXXX XXXX  # XXXX - BALANCE {$5100.00} Account Number : XXXX # XXXX - BALANCE {$460.00} Account Number : XXXX  # XXXX BALANCE {$3400.00} Account Number : XXXX XXXX # XXXX - BALANCE Account Number : XXXX XXXX # XXXX  - BALANCE Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Product: Debt collection

On XX/XX/2020 I received a call from an unknown person at XXXX XXXX XXXX  using a utah zip code number. They explained they needed me to verify my social security number and place of employment and assets with paperwork. They further went on to say that something would be " initiated '' in the next 24-48 hours which was very threatening. They didn't state what they were calling on behalf of or what debt they were trying to collect and didn't give their name. Only where they were calling from.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX XXXX XXXX ( XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 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 states a consumer reporting agency can not furnish a 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 item of information, other than records of convictions of crimes which 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: Mortgage

My loan was transferred to Shellpointe as of XX/XX/XXXX. I have received no welcome letter or email as of today XX/XX/XXXX. This evening I received a call from the company. The call started off with the agent telling me they are a debt collector. I said I have never been late. I was told that my payment was due on XX/XX/XXXX and I am late. I responded that I have not received a loan number, any place to send the payment. So how can I be late if they havent provided me a method of payment. This wasnt a welcome call. It was a harassment call. The agent then proceeded to rattle off my loan information without asking if I even had paper and pen ready to write the information down. I have perfect credit. This company is already causing me stress and have had my loan for less than a week.
Product: Vehicle loan or lease

In 2014, I had an auto loan go into default with Credit Acceptance. The loan was closed, and charged off in XXXX of 2014. Even though the account was closed five years ago, Credit Acceptance continues to report this account as an open account that is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine, I do not have any knowledge of the following account charges. Please delete & block these accounts from my credit report. Please apply these laws to my accounts : The fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting ACT ( FCRA ) 15 U.S.C ss 1681 ( FCRA ), Metro 2 Compliance
Product: Credit reporting or other personal consumer reports

I have been having issues applying for an XXXX XXXX XXXX XXXX through XXXX for the past several weeks. When applying through XXXX, I received a message that I had an extended fraud alert on my Experian credit report, however, I removed this fraud report several weeks ago. To verify my identity, XXXX sent out an automated text message to the old phone number that was listed on my credit report ( ending in XXXX ). I no longer have access to this number and have updated my phone number on Experian several weeks ago as well. I have called XXXX  agents to verify my identity, however, they keep calling my old number to verify my identity. I have been getting nowhere with this issue since XXXX is still using outdated information on my credit report. They unfortunately do not use any other verification methods so I am unable to finance a new phone through XXXX. May you please help me with this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a closed acct with a XXXX $ balance you cant collect on a XXXX balance also this account has been sold or transferred ... Iam also a resident of Florida per Florida statue of limitations you can not collect on a debt over 4 yrs old!!!! Please delete off my Equifax and XXXX credit report!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and still noticed that there are items that are not right. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00} Account : XXXX Date opened : XX/XX/XXXX Balance : {$2400.00} Account : XXXX Date opened : XX/XX/XXXX Balance : {$8500.00} Account : XXXX Date opened : XX/XX/XXXX Balance : {$4100.00} Account : XXXX XXXX Date opened : XX/XX/XXXX Balance : {$63.00} Account : XXXX XXXX  opened : XX/XX/XXXX Balance : {$1100.00} I am entitled to complete and accurate credit history ; they are missing account information and they need to be removed. I want my credit report to be accurate and by law these companies need to remove accounts that are inaccurate, incomplete, or unverifiable. These companies need to respond with verifiable proof of an ORIGINAL consumer contract with MY SIGNATURE on file for the accounts above. Unverifiable accounts must be removed immediately. 

FURTHERMORE, there are late payments furnished on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The account that has late payments showing on my consumer report are as follows : XXXX XXXX XXXX XXXX has late payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. 

LATE PAYMENTS ARE CONSIDERED AS TRANSACTIONS ON MY CONSUMER REPORT AND TRANSACTIONS ARE EXCLUDED FROM CONSUMER REPORTS PURSUANT TO 15 USC 1681 ( 2 ) ( a ) ( I ). These companies are in violation of 15 USC 1681.
Product: Credit card

First issue : My Goldman Sachs Apple Card was closed without reasoning, after a lengthy wait time. I requested why it was closed and they would not specific a reason, only that I violated the terms and conditions although I disagree. I always paid my balance off, in a timely manner and never missed a payment. 
I did not have any issues besides disputes ( XXXX XXXX XXXX XXXX XXXX XXXX promised me a refund since poor service/stay/bedbugs but this was never reflected so I opened a dispute and it still has been denied, for a year now ). I asked them what terms and conditions I violated and they refused to tell me and reported it to the credit bureaus and now my credit report looks bad. 


Second issue : Also, I have ongoing disputes that I was supposed to be credited for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) yet they keep denying them and I was promised temporary credits while they are re-investigated but never received the credits. My account balance should only be {$1200.00} yet it shows $ XXXX. I asked for a payment plan or to settle on a balance to pay off and they keep declining, stating that I am not eligible with a closed account. Also, interest keeps accumulating, even on the pending disputed transactions. Every time I reach out to customer service through their messaging platform, they take forever to respond and by the time I get to them, they have ended the chat. Also, they repeatedly transfer me to different customer service specialists and teams so I have to explain the situation all over again and not much gets resolved or there is a lack of understanding. When I call them, I am on hold for nearly XXXX hours and the calls always seem to drop. Specifically for the XXXX XXXX XXXX XXXX, I spoke to a customer representative as she believed my dispute should have been in my favor with all of the provided evidence but after 2 hours of being on the phone ; the call dropped and I still have the charges on my account. It is hard to even get help from this company, Goldman Sacks for their Apple Card. Please help.
Product: Mortgage

This case involve sending a principal payment of a $ XXXX cashier check funds received by Ditech ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) on XX/XX/2018 to my loan Acct number XXXX and it is being held in an unapplied funds account with them. The loan principal amount on the day of record was {$120000.00}. I also requested in my correspondence that Ditech complete the loan pay off with my escrow funds currently in the amount of {$710.00}. 

Ive attempted to resolve this matter several times with no success. On their statement sent out yesterday, it actually notes their Misapp. Below are my resolution attempts. 
-XX/XX/XXXX via the Ditech message center -No response -XX/XX/XXXX phone call to Ditech - Request noted, promise 3 day resolution.

-XX/XX/XXXX phone call to Ditech -Request noted, request in process -XXXX XXXX phone call to Ditech -Request noted , request in process -XXXX XXXX phone call to Ditech -Request noted, promised 3 days -XXXX XXXX faxing this correspondence -XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Product: Checking or savings account

A check for {$1300.00} was stolen and fraudulently signed/cashed on XX/XX/XXXX. I filed a claim with Chase bank as soon as I noticed ; the first bank did not even properly submit my claim. Then had a series of 10+ phone calls explaining the blatant fraud, including a picture of the check with the forged signature. It took months but I finally received " Reimbursement for Customer Check Claim '' in the amount of {$1300.00} on XX/XX/XXXX. The process was awful with no communication and far too much time spent reaching out to Chase Bank over the phone and in person. My file with them should reflect my displeasure. On XX/XX/XXXX, {$1300.00} was then taken out of my account from Chase Bank. I have not received the same explanation any time I have asked. The answers included : -This will be resolved in 2-5 business days ( it has been 2 weeks ) -This is standard process, we need to take the money back, sorry. No further help. 
-We made a mistake, this money should not have been taken out, let me look into this. 
-Normally if it is over a year the other bank is not responding and it means you will not get your money back. 

Obviously, any consumer will not accept being out {$1300.00} and the fact Chase Bank is denying me my own money despite my efforts has caused me to file this complaint. It is the most blatant case of a fraudulent check being cashed possible and I depend my own money back. 

Please reach out to me should you need any paperwork or further proof of my claims.
Product: Payday loan, title loan, personal loan, or advance loan

I have been in communication and letting them know that I am not working at the moment. I do not have the funds to pay the loan. As soon as I do I will work out payments. I lost my job and have been on the search for one. I just recently got a job that Im starting next week. They took out {$730.00} on XX/XX/XXXX. That was not an amount that we had discussed. Not only was that rent money as I am a XXXX  mom with XXXX children but that is my sons social security money that they took. I have to report what its being spent on and a title loan surely isnt something on that list. They took almost every dollar of money that is supposed to go to my childs environment and him directly. When I called them, they were unwilling to help me in any way. I am unable to stop them from taking money out of my account and they are unwilling to work with people who are struggling, even though the loan Ive had since XXXX has been paid every month. I fell on hard times and they robbed me XXXX. Now I have to find somewhere to go as I have no rent money. I in no way agreed to that amount and I cant stop them from taking my money. Its absurd.
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 rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a 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 item of information, other than records of convictions of crimes which 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: Money transfer, virtual currency, or money service

I was logging into my a account on my phone an I couldnt get to my money to Change an they continue to leave my account in the negative balance
Product: Debt collection

I received a letter from the collection company called ARS Account Resolution. After reviewing my credit report, I noticed that it has indeed made it to the credit reporting agencies. I sent ARS Account Resolution a debt validation letter last month asking them to validate the debt owed from Fl XXXX XXXX XXXX XXXXXXXX XXXX, in which they did. I am aware that there was a debt from Fl XXXX XXXX XXXX XXXXXXXX XXXX but was unaware of the amount due. As the fees stated appears inaccurate. Additionally, I am allowed under the health insurance probability and accountability act ( HIPPA ) to protect my privacy and medical records from third parties. I did not give permission for Fl XXXX XXXX XXXX XXXXXXXX XXXX to release my medical records to a third party. I am aware that HIPPA does allow for limited information about me to be reported but anything more is to only be revealed with the patient 's authorization. I am requesting that this medical collection be properly investigated and removed as it has been reported to all three credit reporting agencies.
Product: Debt collection

I signed up with XXXX, a debt solution company, to help settle multiple open end credit accounts in XXXX up thru this year, XXXX. I originally had an account with XXXX that was added to my program and somehow XXXX removed this from my list of accounts which they claimed was removed due to confusion from midland credit debt collection company having multiple accounts. I was made aware of the account not being in my XXXX  XXXX program because I received a court summons in the spring of XXXX. 

Once I received, I contacted clear one who was able to add the account to my program, in which I also added hundreds to thousands of dollars in order for the negotiations to be reached and a settlement agreed upon with midland credit agency. I was advised by clear one that I did not need to go to court and all items have been taken care off. 

XX/XX/XXXX, I received noticed that my program was complete and all debts settled. 

Fast forward to the end of XX/XX/XXXX, I received a copy of a request for garnishment of wages that was filed by midland credit attorneys on an account that was already had an agreed settlement. I promptly called clearone advantage who advised my to contact midland credit as I no longer had accounts open with them and advised midland credit agency should speak with me. I called midland credit who would not discuss my account due to my representation. Therefore, I contacted XXXX XXXX back, filed the complaint and asked them to reach out to them to have this stopped due to the previous PAID and SETTLED account. XXXX XXXX advised this could take up to 2 weeks and someone would contact me back.

I had to call clear one multiple times to get an update, the negotiations department does not take calls from customers, the management would not call me back and on XX/XX/XXXX, I received a notice from my employer that my wages would be garnished for 25 % of my paycheck which is more than what I owe. To this date, no one seems to care besides 1 agent, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX who continues to call me even though there has not been updates. Her management has not called per her and my request. Even though she is does not have the authority to help, she at least talks with me to ensure she continues to escalate and try to get someone to assist me.