23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have not used my card in more than 5 years. I have a recurring charge from a company I did not realize was charging my account. I did not have a chance to dispute it. The charge was {$80.00}. I was unable, due to life circumstances, to call Discover immediately. As I tried to pay the charges, I incurred double the original charge in fees. They never once called me or attempted to get in touch with me via email to let me know the payment was past due to the point of a negative notice on my credit score. They made XXXX attempt to rectify this situation with me. 

Discover subsequently reported a 30 day late pay on my credit report. I've had the card since 1999 with XXXX late payments or delinquencies in all that time. I never use this card, but can not close it because it will negatively impact my credit score. I also can not freeze future charges on the account. I have XXXX protection to stop this from happening again. 

I called to kindly request Discover clear my XXXXedit score and the manager declined to assist me or acknowledge any wrongdoing on the company 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy on XX/XX/2019, it was discharged on XX/XX/2019. In my credit reports it shows wrong dates which is effectively effecting my credit. Ive sent the credit bureaus my discharged, Nothing has been updated.
Product: Credit reporting or other personal consumer reports

New Ftc Complaint THIS IS NOT A DUPLICATE TO : Experian IT'S IMPOSSIBLE TO VERIFY THESE ACCOUNTS AS MINE, BECAUSE TGEYVE BEEN OPENED FRAUDULENTLY. 

Subject : Re-Dispute : Improper Use of Information To Whom It May Concern, I XXXX XXXX XXXX writing to dispute the improper use of my information. The following accounts are not mine and have been included in my previous FTC complaint ( # XXXX ). I have no knowledge of these creditors, and I request that they be removed from my credit profile : XXXX. XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX - Balance : {$300.00} - Status : Account charged off. {$300.00} written off. {$190.00} past due as of XX/XX/XXXX. 

XXXX. XXXX # XXXX - Date Opened : XX/XX/XXXX - Balance : {$9200.00} - Status : XXXX. {$9200.00} past due as of XX/XX/XXXX. 

Additionally, the following accounts are fraudulent, submitted without my knowledge, and should be removed immediately : 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 These accounts have also been included in my FTC complaint ( # XXXX ). 

According to 15 USC 1681b - Permissible Purposes of Consumer Reports, these creditors do not have permission to report on my credit. I request that these items be removed promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Checking or savings account

I recently lease a nail shop down in XXXX XXXX and i have heard good things about chase business account so i decided to open a checking account with them and planning to open a business account with them when i m done moving down to XXXX. So i decided to deposited XXXX dollars in cash when i first open my account. And after a few days, chase decided they wont do business with me and holding my money XXXX. Also i was going to use the fund to order chairs and a lot of things from XXXX. Ot usually take over a month for items from XXXX to deliver to the XXXX. And now because chase has been holding my money XXXX, and doesnt give me a specific time as when they will release my fund. It takes me longer to open my business and thats really hurt me. I need chase to release my fund so i can start paying for items i want to order from XXXX.
Product: Credit reporting or other personal consumer reports

I noticed a credit entry for a XXXX student loan on my Transunion report. My credit accounts were frozen but the student loan was still attached unimpeded. I never initiated a XXXX  and any contact with XXXX where the loan originated. I created an account with XXXX and then saw the loan details including a phone number XXXX which is not mine. I contacted XXXX and informed them of the fraud. They gave me XXXX names that I had never heard of ( XXXX XXXX and XXXX XXXX were contacts to the loan ). I also contacted XXXX XXXX XXXX to find that I had an account there that was frozen. When I finally talked to them, I started the account recovery process. I was told that the XXXX account had been created XX/XX/2023. A XXXX XXXXas submitted to XXXX on XX/XX/2023 and accepted XX/XX/2023. The XXXX account was then frozen by using wrong passwords to block any changes. The email associated with the accounXXXX was XXXX to me ( XXXX ). I then contacted XXXX and gave them the same information as above. They are working on it. I also traced the above phone number ( it is landline ) to a name and address in NY. I gave them that information as well
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to find inaccurate accounts listed, and I dont know why. I review my credit report frequently, but this time, I noticed discrepancies that hadn't been there before. Hoping it was a temporary error, I refreshed my browser, but the inaccuracies remained. Because of this, I am requesting a careful review of my submitted documents to ensure that I wont have to face this issue in the future.
Product: Credit card or prepaid card

This is in regard to a debit card called access 360 issued by 53rd bank
In XX/XX/2018 i discovered though use of my app that there was money missing from my access 360 card ending in XXXX (this account has been closed), upon contacting the access 360 department i discover there was an unauthorized transaction for $XXXX   charge to my card at a XXXX XXXX in XXXX on or around XX/XX/XXXX. I immediately disputed the transaction and was given case number XXXX and a temporary credit off same amount. Weeks later i notice  the $XXXX i had on the card was gone and my account was in the negative over a $XXXX, after calling their dispute department i find out they took back the temporary credit as they had ruled in favor of the merchant, and sent me a letter claiming why they made such ruling. After a few weeks had pass and not receiving any such letter so i can re-open the case; i kept calling for said letter to be recent and to this date after escalating the request to resend said letter, i have received no such letter. I went and got a police report to re-open the case but the dispute department keep telling me there is a form to be filled out to re-open the case; in which i requested a copy of this form on several occasions but to this day still haven't gotten any such form either. the last time i called  their dispute department i was told to go to the nearest 53rd branch and a copy of form would be faxed to them instead, when i went to the bran and had them called the dispute department; we were told that said form could not be faxed or emailed, it would have to be mailed, an agent at the branch even change my correspondent address to the bank's address so that in case it was a problem with my address then said form could go to the bank and i go pick it up, i called that branch on 3 occasions asking if they had received any such form as yet; but they haven't. i think 53rd bank is a very unorganized bank that probably got my case mixed up or lost; as every time i called i get transferred around in circles. Since then they have closed my accounts for non payments and sent the negative balance to a collection agency; as a result significantly damaging my credit. Also, i received a letter from 53rd bank that there was an unauthorized access of my account by one of their employees; and i am not sure if this could be related to the incident with my access 360 card, i will attach a copy of this letter
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights
Product: Credit card or prepaid card

XX/XX/XXXX - two charges on my XXXX  XXXX XXXX XXXX XXXX XXXX. 
Contacted XXXX right away and they began an investigation. My credit card was than taken over by Comenity Capital Bank. No work from them until XX/XX/XXXX. 
Charges were put back on my card with no explanation. After contacting your agency ( see my original complaint on file ) as well as XXXX, these charges were again put on hold and the interest credited back. My latest bill has interest and fees added-again with no explantion. I have contacted Comenity again as I have with each bill so they know I am not ignoring the charges. I have also been in touch with XXXX corporate office who promised to look into the matter. 

The response you gave is over one month old. If possible, can you ask Comenity for an update on the investigation with XXXX? I have not received any information from either party. 

Thank you for your help, XXXX XXXX
Product: Checking or savings account

IAM WRITTING TOEXPRESS MY CONCERNS REGARDING THE UNRESOLVED ISSUE WITH MY DEPOSIT OX ACCESS AT WELLFARGO BANK.DESPITE FILING A COMPLAINT WITH THE CFPB MY CASE WAS CLOSED WITHOUT PROPER RESOLUTION.I BELIEVEA THOROUGH INVESTIGATRION IS NECESSARY TO ADRESS THE FOLLOWING POINTS. 
1SAFE DEPOSIT BOX ACESS DENIAL ; I HAVE REPEATEDLY BEEN DENY ACCESS TOMY SAFE DEPOSIT BOXDESPITE FULFILLING ALLNECESSRY REQUIREMENTS.THIS ONGOING ISSUE HAS CAUSED SIGNIFICANT INCONVENIENCE AND STRESS, AS I HAVE VALUABLE ITEMS STORED IN THE BOX THAT I NEED TO ACCESS.

2CHECKS WRITTEN OUT FOR SAFE DEPOSIT BOX PAYMENTS ; I EQUEST A DETAILEDREVIEW OF MY FATHER CHECKING ACCOUNT TOIDENTIFY ALL CHECKS WRITTEN TO WELLFARGO FOR THJE SAFE DEPOSIT BOX PAYMENT .THIS WILLHELPVERIFY THAT MY PAYMENTS ARE UPTO DATE AND ENSURE THERE ARE NO DISCREPANCIES.

3REQUEST FOEINDEPENDENT INVESTIGATION INTO THIS MATTER, PREFERABLY HANDLED BY INDIVIDUALS OTHER THANTHE USUAL REPRESENTATIVESINVOLVED, TOENSURE A FAIR AND UNBIASED REVIEW.

4CLOSURE OF ACOUNTS AN \D PROPERTY ; GIVEN THE ONGOING ISSUES AND LACK OFRESOLUTION, IAM CONSIDERING CLOSING ALL ACCOUNTS AND PROPERTIES ASSOCIATED WITH MY NAME AT WELLFARGO . PLEASE PROVIDE ME WITH THE NECESSARY STEPS AND REQUIREMENTS TO PROCEED WITH THIS ACTION.
Product: Credit card or prepaid card

I have been an account holder with TD Bank/Target card services for over 1 year. They offer a service to pay your bill over the phone. I utilized the phone payment service in XXXX, and noticed that the payment had not been deducted within 1-2 business days, which was weird. I called them immediately and confirmed that my account and routing number was correct. A few more days I noticed the payment had not been deducted. I was told it would be deducted that Friday. However, the next day I received a notice from them regarding a returned payment that NEVER hit my bank account. I was sent to collections. I was told that I had to pay the entire amount before I anyone would discuss the oversight. I made the payment and have been calling several times. I was told that my account would be reaged and the late payment would be removed. To date, Target card services has done the contrary. Every time, I call theres a different excuse as to why they havent made the correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank issuer of Ashley furniture credit card. On XX/XX/XXXX I called and asked politely if they would do a pay for deletion of a late payment showing up for XX/XX/XXXX. During the phone call I stated at least 10times that I was not disputing it was late I was just asking nicely if they could take it off. I explained that I am in the process of buying a home and you can not get a home if you dispute items on credit report. The manager XXXX made it sound like there wasnt much she could do but would ask the credit reporting company to please take off late payment. Not only did they list it as a dispute when I told them not to they also reported XX/XX/XXXX as late even though a payment arrangement had been agreed upon. So my family is now homeless and we are unable to get a home. After seeing what they did I tried to call them on XX/XX/XXXX to have them fix the issue but every time I ask to speak with manager they hung up on me. I really feel like because they got their money they could care less about actually being helpful.
Product: Debt collection

The company continues to email other email addresses that are either family members or those unknown to me. I've asked them repeatedly to only contact me at a specific phone number and email address, yet they continue to violate this request. This is emotionally distressing.
Product: Debt collection

I cancelled my XXXX XXXX XXXX XXXX  account when I moved because I was not allowed to transfer the service. When on the phone I was told the equipment did not need to be returned. I kept it anyway. A year later I received a phone call from a collection company saying that I owed {$160.00} for unreturned equipment. I called XXXX XXXX XXXX with the collection company on the line and they said that was their fault and I can return the equipment late and they will update my balance to {$0.00}. I returned the equipment on XX/XX/XXXX through XXXX I have the receipt for the return. I received a phone call another few months later again from the collection agency. We called XXXX XXXX XXXX again and they stated they would be pulling it out of collection. The equipment return had not been processed yet, but assured me that they would process it and take the account out of collection. The collection agency XXXX XXXX XXXX reported this account to my credit report again and I was made aware from XXXX credit monitoring on XX/XX/XXXX. I have never received any correspondence from Credence or XXXX XXXX XXXX about this account. I expect them to update their account and remove this incorrect information from my credit report. I will be cancelling all of my services with this company. I am on my 8th transfer again with XXXX XXXX XXXX trying to resolve this with noone being able to help yet including the collection dept/billing dept/managers/customer service. They are so large they think they can lie to consumers and pull more money out of them by inconveniencing them. I would be curious to see the amount of other consumers with false collections on their credit reports because of these companies.
Product: Mortgage

Creditors XXXX XXXX Specialized Loan Servicing LLC XXXX # XXXX SLS ( My second Loan Servicer ) sent paperwork for Foreclosure, and a same time they said I can do modification. And to start modification process they are asking to pay 30 % from the payoff amount of $ XXXX. Unfortunately, I do not have such amount and they just stop working with my loss mitigation request. They appear to delaying and potentially trying to just incur more interest, speaking of which I did not receive any proof how they calculate interest and if payoff amount is correct.. 
Original second loan was $ XXXX, They charged off $ XXXX interest amount already in 2020. 
Now they sent me paperwork saying I owe them $ XXXX. When I called them rep told me they are intend to get as much money as they can from me. Now, they forced me to do foreclosure and do not give me a chance to negotiate with them. 
I really need help with my case. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts appearing on my Credit Karma XXXX, XXXX XXXX and XXXX XXXX that are still appearing as open but XXXX deleted these account months ago but Credit Karma will not delete them I am asking that Credit Karma obtain updated information for these 2 accounts from XXXX so that they can be deleted from the Credit Karma XXXX as they have already been deleted from regular XXXX. So I am asking you to please help me as Credit Karma will not remove these accounts and they are negatively impacting my credit score and stopping me from obtaining housing. All Credit Karma has to do is get the most updated information about these 2 accounts directly from XXXX and XXXX will have no information on these 2 accounts which will prove that they have already been deleted from XXXX and should therefore be deleted from the XXXX report that Credit Karma shows. I am attaching my most recent Credit Report directly from XXXX which does not show XXXX XXXX and XXXX XXXX reporting to my credit report which clearly shows they have been deleted and proves that Credit Karma does not have the most updated information on these 2 accounts.
Product: Student loan

I only authorized one consolidation of my Federal Student Aid Loans, that was the consolidation of XX/XX/XXXX, performed by XXXX. ACS was no longer my student loan servicer. There were XXXX loans consolidated XX/XX/XXXX there were no more loans from XXXX - XXXX to be consolidated. This is fraud! 

There were no Federal Student Aid Loans or any other education loans after the consolidation of the ACS and XXXX Federal Student Aid Loans that were consolidated XX/XX/XXXX. 

XXXX began servicing my Federal Student Aid Loans in XXXX. 

There were no Federal Student Aid Loans or any other education loans to consolidate. 

I never authorized XXXX to consolidate any Federal Student Aid Loans, there were none to consolidate, this is fraud! 

Why has ACS been consolidating my consolidated loans again and again when they were not the loan servicer at the time of the XX/XX/XXXX consolidation ; there were no new loans to consolidate after XX/XX/XXXX? The only authorized Federal Student Loan Consolidation was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX XXXX card. I do not have a phone. can not access mobile app. could not access on internet site. Written request to fix access. NO response. Written request to identify the company of a transaction was met with fraud investigation and reissue of account. was not notified of fraud investigation suspension of account and reissue of account. I had also requested a waiver of the yearly fee and an increase in credit line. Was denied. Asked the account not to be renewed. Accepted loss of yearly fee already paid -account was in good standing. The account was closed with a credit on the account. However, the Account was closed for a fraud investigation. I was not aware/notified of closure and reissue of account. Reoccurring charges were denied. Did not activate subsequent credit card received in the mail. Received a bill in the mail about three months later statement was from reissued account with all kinds of fees and interest. Also received a letter stating the account was under investigation - this is in XX/XX/2022. However, the company is already reporting negatively, and I recall seeing something about a charge off. This is against the company 's own policy. I also recall something about alleged provisional credit after the fact. I was never billed or notified. I requested closure of the original account that was ignored- while in good standing with a credit balance. However, the company closed the account for a fraud investigation initiated on its own accord. The company is reporting to credit bureaus, I requested closure when I never activated the account it is reporting on. These correspondences are by physical mail and complaints to regulating agencies. XXXX removed the monthly credit inquiries- and continues a report for a credit account I never accepted or activated. Regardless of whatever laws the company claims to be following- I had already stated before the company XXXX XXXX XXXX investigation XXXX did not want to continue a relationship with the company. A new account was not warranted - accepted or activated. 

Credit reporting agencies are not providing the investigation information. the company has not proven that I accepted the account and/or activated the account. The reporting company has not provided the results of the latest fraud investigation- XX/XX/2022. The reporting of this alleged new account in accordance with federal law fraud investigation actions is premature, there is no interest, fees, collection and/or charge off warrented at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues of delinquencies on my credit report that I would like to have verified in writing from CHASE. 

CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX The following dates of delinquency were reported : XX/XX/XXXX : 30 days XX/XX/XXXX : 60 days XX/XX/XXXX : 90 days XX/XX/XXXX : 120 days XX/XX/XXXX : 120 days
Product: Debt collection

I called XXXX XXXX  XXXX XXXX and I spoke to their representative and I told the representative that I had never applied for Water Service and that I had never lived at the service address.

The representative told me that it would be removed. I checked my credit report and low and behold XXXX XXXX XXXX XXXX had sold the bill to a debt collector. 

This is not my bill I never lived at the service address.