23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Monday XX/XX/2019, I noticed that my wife had an alert on her credit file from a collection company. The Debt was in reference to a apartment contract that was not fulfilled " supposedly ''. I called Rent Recovery Solutions LLC in reference to this matter. I spoke with a lady and told her that my wife was not a lease holder on the lease that she was only a occupant per the lease. The lady reviewed the lease and confirmed that my wife was only listed as a occupant but then she stated that my wife was still responsible even though she was not a lease holder. I asked how is that possible when the contract was only between Me XXXX XXXX and the Landlord/ Property management company. She stated that the law says anyone listed as a occupant over the age of XXXX is contractually responsible for the lease. I told her that was false and that the contract was between me and the property. The lady became really rude and I then asked to speak to a supervisor. The supervisor basically echoed what the represenative said. She told me under Georgia law that anyone over the age of XXXX that is listed as a '' Occupant '' is contractually responsible for the lease. I know this statement to be false and she quickly rushed me off the phone and said they aren't going to do anything about the account being on my wife 's credit report even though my wife never signed anything pertaining to the apartment in question. Because of this my wife has been denied credit and her credit score has suffered. I also told the Supervisor that the amount was wrong and that I gave more than enough notice to the property pertaining to me not renewing my lease. I told the lady who I gave it to as well. I know that at that particular property they were having a lot of staff turnover and everything was lost in translation.
Product: Credit card or prepaid card

I paid my XXXX statement balance XX/XX/2018, in the amount of {$4700.00}. My payment due date was XX/XX/XXXX. Terms state in part, " If you pay your account in full ... no interest is charged. '' Chase has conjured up something called, " residual interest, '' an attempt to justify this violation. It is not fair to the consumer and leaves open abuse of fair practice. Immediately, after I received my bill with the interest charge of {$35.00}, I called Chase customer service and was told they would not remove the interest charge despite the fact I paid my entire balance before the due date. Subsequently, I emailed Chase through my secure account in protest of the unfair charge and received the following reply : " You paid yourXX/XX/XXXX statement balance in full. However, the XXXX statement balance was not paid in full by the statement due date. To avoid interest charges, the statement balance needs to be paid in full by the due date. When the XXXX balance was not paid in full, the remaining account balance was carried over into the next billing cycle. This is referred to as residual interest charges. Residual interest charges are assessed on the purchase balance between the date the statement closed, and the date the payment in full was received. As a result, the residual interest charge of {$35.00} was assessed on the purchase balance on your account. Going forward, as long as you pay off your statement balance in full by the due date each month, you will not accrue any additional interest. I am unable to credit the interest charge. Thank you, XXXX XXXX Payment Research Specialist XXXX '' The aforementioned gobbly-gook is unfair to the consumer and results in a double interest charge. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau XXXX BBB ) to seek their assistance in resolving this issue. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I sent you the letter form the XXXX house did not find any filling or any information shared with ypour organization and then all these inquirires which are not mine never requested any services from those creditors on those dates CXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
Original Creditor : XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My Capital One Card was charged various times by XXXX XXXX XXXX, the payments were placed on hold by Capital One then released and not shown in my available balance. My account was closed. Capital claims that too many returned payments was the reason why. I checked my statements and no payments were returned returned. In fact XXXX Bank confirmed that Capital One returned my electronic payments for {$170.00} and {$90.00}. I spoke with XXXX, a capital one rep, today with a Rep from XXXX on the phone. She confirmed that Capital One had my money on hold for the rental but couldn't explain why my balance was so high. The rep with XXXX confirmed that payments that Capital One received payments from me. My balance is reflecting a positive balance and not a negative one. You call there and get unprofessional agents that aren't based in the united states. XXXX stole money from me and fraudulently closed my account. When I tried to tell them my balance was wrong, instead of admitting that I was right they refunded my money and closed my account. I want my money that they stole from me. I want them to provide proof of returned payments. I have proof no payments they received from me weren't returned. Please listen to all phone conversations from XX/XX/XXXX until XX/XX/XXXX.
Product: Debt collection

I had a leased vehicle. When I turned it back to XXXX I was billed {$600.00}. I am XXXX yrs old, get food stamps and can not make ends meet. The lease had been paid by a relative who can no longer help. It was financed through Ally. I have been sending a {$10.00} check faithfully every month. However Multiple phone calls continue to come although I have contacted them both by phone and mail. Although I have blocked the calls they continue to leave messages which use up my meager allotment of minutes on my cell, my only phone.
Product: Credit card or prepaid card

On XXXX, I received an email notification from my credit bureau monitoring service of a negative reported event on my credit report from Citicards. I  immediately logged into my account and paid the late payment, and directly called Citicard. 
I have not knowingly requested paperless statement enrollment for my account. My expectation is to receive a mailed copy of my statement as well as a formal notification if I a payment is overdue. This did not occur on this account. I spoke to a customer service representative named XXXX on XX/XX/XXXX, who explained that my account has been enrolled in paperless statements and may have been done so inadvertently during the transition from XXXX to CITI as the Costco credit provider. 
I did not receive anything in the mail, email, or text notification that my payment was overdue. I called again on XX/XX/XXXX and spoke to a supervisor named XXXX who also confirmed that no notification or call was made to me regarding the overdue notification. This is an error in communication from Citicards system, which is a term of the credit agreement. There is no record of any notification sent to me via email, and I was not made aware until I received a negative reported event from the credit bureau. Please refer back to section 3 of the  enclosed credit card agreement guide. I was not made aware of the late fees, penalties and accumulating interest as stipulated in the credit card agreement guide. This was not communicated in either paperless via email or paper mailing, which is part of my rights as a consumer user of this card. This was verified by XXXX on XX/XX/XXXX who noted that there was no notification record in your system. Sections 3, 5, 7, and 14 were all violated by not communicating the late status as well as not providing an explanation regarding the investigations previously submitted upon the negatively reported item.

I have made several attempts to have this removed and it is a violation of the communication terms stipulated in the credit card agreement guide. It has negatively impacted all three of my credit bureaus reports, and my credit score. In light of the lack of communication regarding my account, please remove this negatively reported item from all three credit bureaus and provide a written copy of the removal mailed to me at the address above ; or I will reserve the right to pursue legal action as well as file a complaint with the Consumer Financial Protection Bureau. 
Thank you for your prompt attention in resolving this item.
Product: Credit card or prepaid card

PayPal XXXX XXXX XXXX Synchrony Bank forgave my credit account and advised me that I no longer owe any money in XX/XX/XXXX. I was issued an IRS XXXX debt cancellation form to file with my taxes as income for the forgiven amount in XX/XX/XXXX. PayPal XXXX XXXX of Synchrony Bank did not update the information in my credit report with the XXXX bureaus. I was advised by their agents several times that they will not provide me with a letter stating the account was closed, forgiven and has a XXXX balance. The creditor also refused to let me make a payment to clear up the debt as they reaffirmed that I owe no money. After several credit disputes PayPal XXXX XXXX XXXX Synchrony Bank is continuing to report that I owe {$1100.00} on the account past due. The account is showing many discrepancies in each report. Some reports show me even having an available balance of {$350.00} with 180 days late on the report as of XX/XX/XXXX. This is unfair to me as a consumer I am in the market for a mortgage this month. This dishonesty in the part of PayPal XXXX XXXX of Synchrony Bank is affecting my credit report and score. The agents refuse to assist me with advising credit bureaus if the account forgiveness and they refuse to provide Me with a letter. The credit bureaus are not honoring the XXXX form alone to update my account. I need either the creditor to update the status of {$0.00} owed or provide me the letter. This is a time sensitive matter. Please assist. I have been calling the company PayPal XXXX XXXX XXXX Synchrony Bank for assistance since XX/XX/XXXX with no success, they are making my reports worse.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX DAYS to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX and XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

Filed for bankruptcy and notified them of the case # and my attorney as well as asked them to cease collection efforts and stop all communications. They choose to ignore this and continue despite being under an automatic stay that prohibits them from attempting to collect on the debt.
Product: Credit reporting or other personal consumer reports

I make payments from checking acct monthly and they never report payments timely
Product: Checking or savings account

I was away for a XXXX XXXX and came back to find out via email that Chase had reversed a temporary credit placed on my account. My drivers license was stolen on XX/XX/XXXX only for me to realize that someone had withdrawn {$2400.00} from my account via a third party website on XX/XX/XXXX. Chase reversed the temporary credit because the fraudster provided my ID ( still unsure how thats possible if Im not present ). The thing is, Chase always calls me and alerts me of transactions that take place over {$25.00} ( I have it set up via the alert center ) but I wasnt alerted this time around. This made me suspicious. Chase then reversed the funds due to the fraudster providing my stolen license electronically to the online company that they used which brought my account to a negative balance ( overdrawn ). Chase also told XXXX XXXX   that I filed a claim on 2 XXXX payments that came from my Chase bank account into my XXXX   XXXX XXXX account when in fact I had never filed a claim on them. I only filed a claim on the {$2400.00} payment that was fraudulently taken from my account via a third party. This new development caused XXXX XXXX to withhold {$2500.00} of my funds in my XXXX XXXX XXXX checking account. This is totally unfair as it has inconvenienced me a great deal, causing me to stop payments on my student loans, accrue interest, and has put a dent in my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. Notation of the late payments for XXXX XXXX are inaccurate. Pleas investigate and verify that all data for this account is report accurately including every notation date and balance whether reported or not. 

I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to XXXX all statements and payment transaction records from the ere that would prove that my payment was not submitted on time g my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( Paid As XXXX Agreed, Never Late ) according to consumer protection laws. 

XXXX I contacted them and was to receive a call back, never received it. 

XXXX I contacted them again, no response. 

XXXX No resolution.
Product: Student loan

I was forced to take out private loans in order to continue or finish my degree. XXXX XXXX had already maxed out, so to speak, the amount of money I could borrow from federal loans and the rest had to be loaned from private banks. Nearing graduation, about a week before graduation, I received a letter from XXXX stating that I owed an extra {$14000.00} that was credited to me by the school, and that I had to pay said balance to be able to graduate and receive my diploma. I used my life savings and wrote them a check for {$14000.00} and gave it to the finance department. In the end, I had all my transcripts for graduation but my diploma was not provided. I walked my graduation with the worthless transcripts in my diploma folder. I never went back to pick up my diploma as it was worth absolutely nothing. My resume lists a XXXX XXXX from XXXX but no employer or future employer has ever recognized me as having a real XXXX XXXX. At this point it hurts my reputation to put XXXX on my resume as education. 

The debt has crippled me financially and ruined my credit while lowering the possibilities of gaining approval from potential employers. I feel like I 've missed out on a decade of my life. In retrospect, I would have rather attended a XXXX college and transferred to a regionally accredited XXXX College instead. XXXX predatory behavior and even harassing phone calls asking to come back to school were hard to ignore and I and many others were stuck in a program that would eventually lead to crippling debt and no value whatsoever. I was already working in the field of study before starting XXXX and I did not learn anything new during my entire program. In fact, the material and books in some cases was about 10-20 years old. The books were not real text books, they were written by alumni and seemed to be published by XXXX own publishing companies. 

XXXX educators were often unqualified to teach. Many instructors were previous grads who were trying to pay down their debts to XXXX themselves. The computer labs and equipment were outdated and in most cases did not work at all. Anyone who attended classes was given a passing grade. XXXX admitted anyone regardless of mental capacity. There were people in my classes who could barely read out loud from a book. 

To conclude, XXXX XXXX was an elaborate scam. They scammed the government and taxpayers as well as individuals hoping to better their futures and contribute to the economy and workforce. XXXX XXXX was a lucrative investment only for it 's shareholders and wealthy executives, education was the least of their priorities.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XXXX Personal Information Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX Employers : XXXX XXXX Collection/Charged Off ALASKA XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ( Original Creditor : ALASKA XXXX ) XXXX XX/XX/XXXX {$250.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$410.00} Late Payment XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX OREGON XXXX XXXX XX/XX/XXXX XXXX XXXXWASHINGTON XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax IDAHO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The inquiry was not authorized XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized CAPITAL ONE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX