23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I closed my acct with BofA dueto long wait times on phone. I have a credit bal of {$7.00} and have spent 2 hours on the phone tring to get them to send me the money i overpaid. 
They have promised then didn't deliver. Now every time i call they insist on a long list of identifiers then promise again but it never comes. In my opinion when you close your acct they should automatically mail out any credit bal on that acct, not make you beg and then still not give you your money.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX  Account, # XXXX, has violated my right 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 166B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.
Product: Debt collection

We get repeated calls from Key Bank to our cell phones, which we use for business. We make payments and they dont go through but we get email confirmations that they did go through. Then weeks later the payments have not cleared out bank. 
Key has AGAIN charged us a late payment after we made a payment on XX/XX/XXXX and the email confirmation came to our email inbox at XXXX. 
Additionally, they need to stop calling. They can mail us what is needed via US mail ONLY. 
We did make another payment with the XX/XX/XXXX payment did not clear. 
We went online tonight to make a payment and the web site is AGAIN not working. Their website never works. 
We were able to log in but no account information will pull up. 
We just made a complaint and there are issues already.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting or other personal consumer reports

I have a hard inquiry on my credit report from Elan financial and I have never submitted a card request from this institution.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, XXXX a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.t
Product: Mortgage

I have tried over the last 16 months to have my mortgage insurance removed. I was told by AmeriHome mortgage ( my lender ) that I must wait two years before they would even look at my request. Now after sending another email and making a phone call to XXXX then I asked for his supervisor XXXX, I was told they wont even respond to my request for 30 days, when their website states five days! I found out once the home is funded and recorded, mortgage insurance may be removed after a 30 day period, as long as the home qualifies. I have been in my home over Two years now and never missed or late with the payment and have updated the home with at least {$30000.00} in improvements. Not to mention the home value increase of 10 % at minimum in my subdivision. Not sure why this company is allowed to rip off its clients like this?? I have also copied Governor XXXX on my issue.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX ( partial acct # XXXX ), has been incorrectly and negatively been reporting an invalid and unvalidated alleged debt -I requested a Debt Validation, to include a signed contract or agreement with terms, to repay any Valid Debt -I did not receive the requested information from XXXX XXXX -I told XXXXXXXX XXXX to cease any contact or communication, as it regards to this account -XXXX XXXX has continually violated my rights by disregarding my correspondence and the laws that support all that I say, pursuant to 15 USC 1692c -These illegal and incorrect communications, as it regards to this account, have caused great hardship and struggles
Product: Debt collection

On XX/XX/XXXX, I received a call from someone who claimed to be a debt collector informing me that I owed {$500.00} to a school I previously attended in XX/XX/XXXX. Prior to the call I was never notified through the mail, email, or over the phone. I informed the woman on the phone that I knew this could not be correct and that I would not pay the fee until I contacted the school. 
Immediately after ending the call with the " debt collector '', I called my school and explained the situation, and a woman named Mrs. XXXX said she would look into the situation further and would call me back. 
I waited two weeks and still had heard nothing, so XX/XX/XXXX I called the school and spoke to Mrs. XXXX and was able to get the situation resolved. The same day she was able to send to me proof that I didn't owe the school the {$500.00} and that it was a mistake on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one claims i own XXXX dollars and XXXX dollars on these two accounts i never opened these acounts capital one wont even investigate these for me
Product: Debt collection

I had a Washington Mutual credit card with a {$2000.00} limit. When Chase Financial bought out Washington Mutual Chase Financial refused payments for 2 months during the merger. I asked if I could go into the local branch and was told that was not an option. i wrote them regards to account and never received a response. I ended up up defaulting on the card due to inability to make a payment arrangement.it was then filed as a judgement against me in the XXXX county circuit court where i contacted XXXX XXXX to try to arrange some sort of arrangement while on a fixed XXXX income. i never received a response while they were working on the info in the meantime i went through a foreclosure with my home where the XXXX XXXX put a second lien along with the foreclosure I was told it was wrote off with the debt on house I was purchasing through Chase Financial. XXXX XXXX XX/XX/XXXXpicked up the debt and now I have a Judgement against me through XXXX County Circuit Court. The debt has since been sold to XXXX XXXX. XXXX XXXX does not exist any longer and they are who holds the judgement against me in circuit county there has been no contact with me to attempt to collect a debt for the last 4 years and there is no report of this debt on my credit report so i had no knowledge it existed or was accruing interest all this time XX/XX/XXXX has made no attempt to contact me in the last 4 years and are saying they picked up the debt in XXXX which in XXXX the card was still in good standing so not possible they also now want over 8000.00 to  clear the debt through circuit court which circuit court says i do not have a debt with them my home was foreclosed on in XX/XX/XXXX judgement was filed prior to foreclosure.
Product: Checking or savings account

A company thats not real took money from my account and I filled a fraudulent claim to get it back through my bank and they did nothing. They said there was nothing wrong with the transaction. I dont see how since I dont live in the state the fraudulent company is in.
Product: Debt collection

I had my name on a vehicle that was repossessed over 20 years ago. XXXXXXXX XXXX XXXXXXXX out of XXXX Texas has threatened to sue me for almost {$15000.00} for this car. When my ex husband and I divorced, it was put in our decree that he was responsible for the car and all debt associated with it. Today I got a phone call and was told to call XXXXXXXX XXXX XXXXXXXX to find out more about the debt. When I tried to ask questions, the woman, XXXX XXXX, was very rude and refused to answer any questions. I didnt even know this was still a debt. I havent heard a word from this lender, Americredit, in over 20 years.
Product: Debt collection

SOMETIME AROUND XXXX OF 2017 A CREDIT CARD FROM COMENITY BANK/XXXX  WAS OPENED IN MY NAME WITHOUT MY CONSENT. I HAVE TRIED CONTACTING THIS COMPANY DIRECTLY WITH NO RESPONSE. I AM A VICTIM OF IDENTITY THEFT AND WANT THIS ISSUE RESOLVED AS SOON AS POSSIBLE. THE AMOUNT IS {$350.00} DOLLARS ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Details Account : 1ST FRANKLIN FINANCIAL Amount : {$97.00} Status : Late 30 Days I challenge the accuracy, compliance and reportability of this listing by 1ST FRANKLIN FINANCIAL, and this is an error and you must remove it, this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Debt collection

I moved to XXXX XXXX XXXX XXXX on XX/XX/2019. This was a Friday. Over the weekend I notice that there were roaches in the apartment. I emailed the office that following Monday morning, XX/XX/2019 to inform them of the roach problem. I explained that I was not comfortable paying $ XXXX/mth and have roaches and I was afraid to finish unpacking my things because I didn't want roaches in my belongings. There was also a leak from the utility area during that time as well. This caused my bedroom floor to be extremely soaked. I gave them the option to move me to another unit. However, they chose to send out pest control to spray and had maintenance to come take care of the leak and had a carpet cleaning company come suck up the water from my bedroom carpet. After pest control sprayed, I didn't see any roaches for maybe 4 days but they definitely returned. I contacted the office once again about the problem. They stated that it could be coming from my boxes that my things were packed in but that was definitely not the problem. I didn't have roaches prior to moving there. They were in the apartment. Due to the fact, that I paid {$1000.00} to move in, a {$200.00} application fee, and {$400.00} for movers, I did not have funds to move out immediately. I moved out on XXXX XXXX because the roaches were a big problem and management made no effort to accommodate my family. I sent a message to management via the resident portal to inform them of my move out. However, the portal doesn't give you a copy of what you submit and there is no record for you to go back to it. On XXXX XXXX, i received an email for a final bill of {$2700.00}. This is absolutely ridiculous. I was barely in the unit 30 days in which I still paid {$1000.00} upfront. I immediately responded to them about my disagreement and asked them to review the final statement. I reminded them again that the living conditions were not good. I didn't ask for any money back, which I should have. I just simply wanted to be moved from the roach problem. So now, I have a balance of {$2700.00} being reflected on my credit report that shouldn't be there. I wasn't in the unit long. I didn't unpack all of my things, and the apartment was not damaged. I am the one that cleaned the apartment because they didn't prior to my move in. The floor was super dirty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit is reporting a late payment on my report for @ XXXX XXXX? XXXX, however I have not incured Any late payments on Any accounts within the past year or so. When I contacted Experian about this the were not able to provide me with any open account that incured any recent late payment. Howbeit, they are reporting a recent late oayment on my account which is totally incorrect and caused my score to drop significantly. I verified with all of my reporting accounts and none of them justified any late payments as claimed. Can you please resolve this error. Thank you.
Product: Student loan

I attended XXXX XXXX University from the fall of XXXX to the spring of XXXX and graduated with a BS in XXXX XXXX. After graduation I accepted an industry position and began my new career in XXXX of XXXX. After an automatic deferment of six months on my loan repayment I entered an income-based repayment ( IBR ) plan that allowed me to make payments while supporting my wife and twin sons, all without incident. When it was time to renew my XXXX in XXXX I followed the same process but my payment status was left unresolved for several months despite regular attempts to contact the company to resolve the matter. By XX/XX/XXXX I was receiving notices that Navient required payment but would not accept my XXXX application with no explanation as to why there was an issue. By approximately XXXX of XXXX my IBR was approved and I began payments again, but Navient had placed XXXX day late payment marks on my credit report during the time that my payment plan was in process. I worked with the credit reporting agency and Navient to resolve the issue, and eventually Navient agreed that my lack of payment was due to process errors on their end, but for some reason they have only removed the marks for the 30 and 60 day late payments on my XXXX report. Please see the attached document showing a 90 day late payment in XX/XX/XXXX but ( document titled 'XXXX Navient Payment, ' red highlight from me ) but no payment issues on XXXX and XX/XX/XXXX. I have been unable to retrieve documents from either XXXX or Navient showing the previous status, but credit reports don't generally show a random 90 day late payment mark in an otherwise satisfactory payment history. I have contested the 90 day late payment several times with both XXXX and Navient, while the XXXX staff have been friendly they appear to be unable to do anything more than contact Navient as part of the dispute and receive a form letter that says that late payments have to be noted on credit reports. Please see the attached document labeled 'Navient Form Letter ' for the last of these letters I received from Navient while disputing on my credit report. That is literally all of the contact I have been able to document from their organization. At this point I can't even log into their system to find historical documents and can't receive customer assistance in any form.
Product: Checking or savings account

Wells Fargo submitted a a check that was fraudulent. The manager at the time agreed that they should have caught the mistake. They said that it was there fault and that my account would be refunded the XXXX dollars. Then the bank manager calls me and tells me Im wrong and that I am liable for the charges. They said they submitted a internal complaint. Its been months and they have never returned the money. The bank manager said the teller should have never cashed the check.
Product: Mortgage

This is a response letter to AAGs response to our complaint. .We are Not satisfied with AAGs response to our complaint because it is filled with discrepancies. .here 's why. .AAG mentioned in their response, people we have never heard of and had no business dealings with Whatsoever! Our closing date for our Reverse Mortgage Application was supposed to be before the end of XX/XX/2022. XXXX XXXX was the agent assigned to us by AAG. XXXX XXXX was our assigned Reverse Mortgage Loan Officer. Where did AAG get these names of other people we have never heard of? What we don't understand if they ( AAG ) discovered the Lien on XX/XX/XXXX, XXXX why did they say we were approved for the Reverse Mortgage early XX/XX/2022? They sent us the paperwork for the payoff of the mortgage to sign, which we did and our Mortgage Company even sent the acknowledgment which had to be paid off by XXXX of XXXX? Why did XXXX XXXX ( Agent ) and XXXX XXXX ( Loan Officer ) say our loan was closing by the end of XX/XX/2022? We have undergone several hardships because of AAGs handling of our Reverse Mortgage, we were turned down by AAG even after we had a loan number and everything! If AAG would have done their Homework in the beginning all of this hardship could have been eleveated!
Product: Student loan

Every time I try to figure out payment with ancient they tell me I need a forbearance and now I have a ton more interest.
Product: Mortgage

My home is in foreclosure and in order to get help I need a statement from my finance company in which I've been unable to get and my finance company say they are unable to provide. I haven't received a statement since XX/XX/2018. And I need this to get help with the foreclosure.
Product: Credit card or prepaid card

I filed a dispute with Chime Bank for XXXX  transactions both from XXXX car dealership I'm the amount of {$250.00} each. One transactions was canceled by XXXX and they said they would refund me but never did. Then XXXX weeks later they charged me another {$250.00} despite me not having ever purchased a vehicle from them. XXXX refused to help me and just kept giving me the rub around. So filed a dispute with Chime. My credit card has a " XXXX liability protection " on it but Chime has never helped me recover any money from unauthorized transactions. They have denied every dispute I've ever done and never provide me with the explanation as to why they are denying my claims. I've provided so much evident to support my claim and they always say they will send me what documents they used to make their decision but it would take XXXX business days and they never do. I also know I legally only have 10 days to appeal a denied dispute so I do believe they are purposely taking that same about of time to send me the documents so I can not file an appeal. They advertise the XXXX liability protection and I feel deceived because they have done nothing to safe guard my money or help recover it ever. I am fed up with their deceptive trade practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports and please know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with Experian 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me. 

XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX202 XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX/XXXX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative accounts on my credit report. These are disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a negative that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove this negative, including these incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMs : XXXX XXXX : Bankruptcy Reference Number XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX, XXXX, Equifax and their nonaffiliated 3rd parties are violating my federally protected RIGHT TO PRIVACY. They are using and furnishing information on my consumer report without my consent which is causing damage to my reputation and character! This constitutes as a violation to the Fair Credit Reporting Act and the Gramm Leach Bliley Act. SEE ATTACHMENTS
Product: Credit reporting or other personal consumer reports

I did not give consent or authorize the following inquiries on my credit report : By obtaining my Transunion consumer report on the dates below without my permission, or without a permissible purpose by law, this is in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with the companies below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of the companies below for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

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

I requested a verification and validation of this account and the debt. I have sent XXXX different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over XXXX  days now, and I have received no response at all. I sent the first notice on XX/XX/year>, then again on XX/XX/year>. Each notice was sent via XXXX XXXX XXXX  and was verified as delivered via the XXXX tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.