23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had been working with XXXX XXXX in house XXXX XXXX Department for a couple of months to resolve a past due rent balance and keep this debt from going to a 3rd party outside collection agency. Some point during the months I had making payments., National Credit Systems , Inc had contracted me about this past due balance- stating that I had not made suitable arrangements to pay this debt. In response I told them that I'm disputing this debt entirely and requested debt validation under the fair debt collection practices act. It has been over 3 months since they received the letter and to this day, I had received no supporting documents that proof that this debt as mine and they still continue to pursue collection activity including reporting this debt on my credit reports!
Product: Debt collection

I contacted XXXX at XXXX XXXX XXXX, XXXX, SC XXXX, Phone XXXX on XXXX occassions and demanded they provide proof of debt which they refused. LVNV Funding representative was very unprofessional and rude. The fact remains LVNV FUnding LLC has violated the Fair Credit Reporting Act by posting an inaccurate and FALSE Derogatory statement with the XXXX Credit Bureaus XXXX, XXXX, and XXXX. I am trying to Purchase a home and this illegal action by LVNV FUnding is preventing me from being approved for a XXXX XXXX. LVNV FUnding LLC is liable civily and criminally. THe Civil Liability could be for the Cost of this home I am attempting to purchase. I Demand LVNV FUnding completely Remove this derogatory from ALL three Credit Bureaus XXXX XXXX, XXXX, XXXX ) Immediately. Also Email and mail me a clearance letter stating this was incorrect reporting and i am exhonerated completely from this debt. The Account number listed XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 my student loans were transferred from XXXX to a different servicer, XXXX. These loans are still showing as being active with a balance due to XXXX on my credit report but they are not, as they have been transferred to XXXX and as a result were fully paid on XXXX 's end. XXXX had not reported any updated information to Experian credit reporting since then. I filed a dispute with Experian and contacted XXXX, XXXX stated to me that this information was correct and they would send updated information to Experian that would remove these loans from my credit report. They did not, instead they reported the balances as being higher than the last report and that they are still actively due.
Product: Checking or savings account

Chase bank multiple fraudulent transactions were made on my account most were yet to be addressed and poor customer service care for the most part inadequate explanation by workers and subsequently frustrating explaining for weeks of delays and poor service and handling for the customer who yet to be taken care of properly
Product: Credit card

I paid off a balance in XXXX, but because I had n't paid off the previous month 's balance I was charged {$13.00} in interest. I would have paid that - if I 'd known about it, but I never got a bill. I did n't get a bill in XXXX either, when they had XXXX the interest and slapped on a fee. I did n't know about the ever increasing fee until I got a call yesterday about my late payment and went online to see it was up to over {$50.00}. I was shocked. I called the call center and I tried to explain that I never got a bill. She tried to say they were sent electronically - nope, I signed up yesterday when I logged in. Then she said that they were mailed and asked if I moved. Nope - not that either. She did n't bother to validate my address just said it must be a post office issue. She knocked all but {$15.00} off but I explainted that I thought for sure this happend to me once before with them, so there is a pattern. I get all of my other bills, not sure why theirs are a problem.
Product: Debt collection

I was a victim of serious Identity Theft, I was out of the country for several years, as a XXXX XXXX in a 3rd world country. I have a Issue with KOHLS department store, they open the 1st account in XXXX and I was able to get an alert and I had them to close it because I was out of the country. Kohls refuse to remove that account even with the XXXX balance. I want it removed it does not belong to me. Kohls department store then open a 2nd credit card in XXXX someone racked up {$910.00} dollars of Identity theft credit card fraud. I sent police reports once I made it back to the united states, I even got the attorney generals office involved. they refuse to take it off I been fighting to close it from XXXX when I saw the 2nd Kohls account. The Company has been very sketchy, I do n't want my credit profile to say it meets federal code or what ever they are putting on my report. this account was not open by me. I had fraud alert and no accounts should have been open without calling the phone number on file. this is against the ; law. I want this account to be removed from all credit burials and my reputation be restored. I have been treated worse than human when I call and it looks like Kohls is the place  to open fraud accounts, might be a inside job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian removed my XXXX XXXX XXXX XXXX account from my Experian Credit Profile for no reason. This account belongs to me and is open, active, an in good standing.
Product: Credit card

I was charged {$95.00} for my annual membership fee on my XXXX XXXX XXXX card, but I also have a XXXX XXXX card. I'm supposed to receive a {$50.00} credit against my annual membership as I enrolled for the benefit, but I have not received it. I continue to have this problem every year with American Express and they never give me the {$50.00} credit.
Product: Credit reporting or other personal consumer reports

I have struggled with LexisNexis over the plainly incorrect information on my XXXX  Report since early XX/XX/XXXX for over XXXX  months now but to no avail. The XXXX XXXX XXXX XXXX XXXX XXXX, and past XXXX XXXX XXXX XXXX  in my XXXX  Report belong to a person of a similar but different name, of a different gender, with a different driver license no. in a different state. While I have explained to them over phone XXXX  times the name is similar but different, and I just moved to the U.S. in XX/XX/XXXX so the current address is my first residential address in the U.SXXXX and my driver license is also the very first driver license I have in the US since XX/XX/XXXX. So there is no way I would have all those policies and claim records etc in another state before. LexisNexis filed an investigation application for me by early XX/XX/XXXX, but since then I received different reports per investigation item with results " unverifiable '' or " data is accurate '' ... ( each time a letter takes XXXX  days to reach me while there is no online update/alert available ) I called their Customer Service XXXX times ( sometimes they still could not locate my driver license copy which I have uploaded XXXX  ). I explained the error again and again, that they might be drawing data from the sources under the wrong name so XXXX  time they got investigation reports saying the " data is accurate '' under that person 's name. But it is another person 's name with another driver license no. in another state, how could that be " accurate ''? Each time the Customer Service personnel just insisted that they or their supervisors ( even if I talked to XXXX ) could not correct the info for me but they must go through the " dispute '' procedure to submit my case to the source providers ( e.g. the insurance companies that provide the claim records ) and let them clear the records for me. However if LexisNexis keeps using the wrong name to " dispute '' with the source providers, they would never get my records correct. This is such a simple problem but they insisted on the " dispute '' procedure. Not until I finally reached a supervisor in mid XX/XX/XXXX that she realized they might need to re-establish the report under the correct name for me instead of going through the " dispute '' procedure. By end XX/XX/XXXX I called and they said things were still in progress. On XXXX XX/XX/XXXX I received a letter with subject " State Privacy Act Request - Confirmation of Receipt '' ( letter dated XX/XX/XXXX ), which I do not know what request it is, and which says " we will verify the information you provided '', " we may not be able to comply with your request if we are unable to confirm your identity or to connect the information you submit in your request with personal information in our possession ''. It is absolutely frustrating as over the XXXX  months during the many times I called, I uploaded all the documents they requested even more than once. I asked them many times what other documents needed to prove my identity and 'I am not that wrong person ', they said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to delete this inaccurate 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. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$440.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXBalance : {$2500.00}
Product: Checking or savings account

My over draft fee was XXXXdollars I didnt understand how it happen and they did not inform me of it and I asked for more info
Product: Credit reporting

I tried to start a dispute with Experian but they refuse to give me my report or answer the phone. Because Experian have again changed my address and are reporting information that is not mine on my credit report, the questions they ask online for authentication do not pertain to me because Experian are again reporting wrong information about another person on my credit report. I have sent them the Authentication documents now XXXX times, yes that is XXXX times and still they do not get it right. I have cost me {$4100.00} in phone calls and faxes and mail costs to try and get a correct credit report from these people. Today I spent over XXXX hours on the phone with XXXX or some such place telling the same story over and over again to people who hardly speak English and have no idea about the XXXX postal system. Eventually I got connected via XXXX back to the XXXX and had to start all over again. I want to know when am I going to get my credit report so I can file a law suit and get the costs back for the erroneous credit reporting and continued damage done to my financial reputation.
Product: Credit reporting or other personal consumer reports

Hello I was a victim of identity theft I sent complaints to the threee credit beurues as well they have already tried to take it down from my consumer report XXXX  decided to XXXX XXXX. Certification with the account but its identity theft of course the information came back from the irs as certified mine I would like this account immmeditely off my credit report
Product: Credit reporting or other personal consumer reports

A XXXX credit alert informed me that in XX/XX/year> XXXX fraudulent student loans appeared on my report, for {$2600.00} and {$3500.00}, courtesy of : XXXX OF XXXX # XXXX ( XXXX XXXX XXXX, XXXX, MO XXXX, XXXX XXXX ) XXXX ) I lodged a dispute through XXXX and their XXXX says " the disputed information was VERIFIED AS ACCURATE ''. 

Calling the number above, this does not seem like a legitimate number for MOHELA. Their website lists the same number as an XXXX, not an XXXX number, i.e., the number is really ( XXXX ) XXXX not ( XXXX ) XXXX. This leads me to wonder if ( XXXX ) XXXX could lead us to whatever scammer took out these fraudulent loans in my name. 

The first time I called ( XXXX ) XXXX I heard : " Press XXXX if you have {$10000.00} of loans. All other callers, press XXXX. '' I pressed XXXX and a different voice said, " Thank you for helping us with our survey, '' and it hung up on me. 

Second try to the same number : A recorded woman 's voice ( that I did not recognize from the first call ) told me some lucky callers get a prize. " If you are over XXXX, press XXXX. Otherwise press XXXX. '' I pressed XXXX, and another woman 's voice asked me if I understand we're being recorded. I said yes. She launched into a long spiel about a free gift, something about a help button you hang around your neck -- something for senior citizens. I tried repeatedly to interrupt her, only to realize she is also a recording. She finally wrapped up her long sales pitch that ended in some perfunctory question like, " Are you ready to receive your prize? '' I said, " No. I need to speak to a human. '' At that point a different voice came on, saying, " This is the medical line. Let me transfer you. '' And then it hung up on me again.
Product: Debt collection

I sent a fax to Credit Collection Services ( debt collector ) followed their instructions on their letter I received regarding the debt collection and did not receive anything back from them regarding the debt for two months and when I did it was just another collection bill. The amount does not add up to the accounting on the communication with the Minnesota Attorney General that the creditor sent them and we do not believe we owe anything. The accounting is impossible to make heads and tails of and they have left payments out. This is the second company the insurance company XXXX XXXX XXXX Minnesota has hired to collect the debt because the first backed out. After finding out that our Automobile/Renter 's insurance company did n't put insurance on a new vehicle we paid for with cash, wheelchair accessible van {$36000.00} and being told by the insurance company that we had made " Too Many Changes and it was our fault '' we went with the flow and had them get it changed, but looked for new insurance and canceled our insurance with them about 20 days later for a new company. They had made a transaction with our check card that was not authorized without our knowledge, etc. So, when we received an additional bill after leaving them, we disputed it. And, they sent it to collections. We disputed that and sent that to the Minnesota Attorney General 's Office and the first collection company decided after reading the communication to not be involved. About 6 months later we got this letter from the new debt collection agency and we faxed over a request for documentation to verify debt. Never received it. We know our rights and knew this was the first step in disputing the debt. Have not had any communication with the company since.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts that appear on my credit report which I do not recognize. I have carefully reviewed my report and found several accounts marked as negative that I neither opened nor authorized. I believe these accounts may be the result of potential fraud or an error in the credit report. 

Disputed Accounts : 1.Creditor Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Suntrust Bank now Truist, went through their transition this past weekend. Prior to this, they informed their customers in writing that all ATMs would be down and they would refund all fees incurred to use a non Suntrust/BBT ATM. I called this morning and after waiting on hold for 1 hour, I spoke to XXXX and she refused to refund the other financial institutions fee for using their ATM. She had the nerve to tell me to contact them for the refund or file a claim. Like what?? She also refused to connect me to a Supervisor because there are none. Now she has me on a silent hold hoping that I will hang up. I work for a larger FI and I know how this works. That other bank is going to send me right back to Truist and im not wasting anymore time. Refund my {$6.00} 2 and the {$3.00} now! Their policy is unfair and deceptive and im sure a major reason for the long wait times. This bank has been XXXX poor for your years but I only remained because ive had my relationship for 18 years. They need to get with the times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talked to Equifax, XXXX, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved.
Product: Credit reporting or other personal consumer reports

Student Loan : On [ XX/XX/2007 ], I received a Form 1099-C from the creditor, indicating that my federal student loan debt was canceled for the amount of [ {$7300.00} ]. According to the Fair Credit Reporting Act ( FCRA ), credit reports must be accurate and must not include obsolete or incorrect information. However, the canceled debt continues to appear on my credit report as an active or unresolved account, which is inaccurate.

I have already contacted the credit reporting agency ( Experian ) to dispute this information and provided them with a copy of the Form 1099-C as proof of the debt cancellation. Despite this, the credit report has not been updated to reflect that the debt has been canceled. 

I am requesting that the creditor and the credit reporting agency correct this error by updating my credit report to show that the debt has been canceled and is no longer outstanding.
Product: Debt or credit management

My credit card was with XXXX XXXX  and I was paying on my credit card monthly .Out of the blue got a letter in the mail XXXX XXXX  was taking over my credit information and my debt only owed XXXX $ at the time and my credit limit was XXXX the transfer of companies, I didn't use my card for a month and was paying it off and I moved and I got a letter in the mail my card was maxed out and my information was now in the hands of a third party credit company named Midland Credit .Who harassed me for a whole year and a half came to my mother 's house with court papers sueing me for XXXX.Sending this lady with a XXXX car to my mom house twice of being sued.And I ended up getting on a payment plan of XXXX $ and paid XXXX $ to get on plan which I didn't believe I owed that much and is now asking for more payment back from XXXX XXXX.Now I think my identity has been comprised and exposed by third party company.All over parties stealing and buying out credit card companies without the proper knowledge.Than not reporting my payments to the credit bureau for a year and a half, my payments weren't being reported which is against the law and is a crime.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Complaint Regarding Overcharging and Harassment by XXXX XXXX  XXXX To Whom It May Concern, My name is XXXX, a resident of XXXX, Arizona. I am lodging a formal complaint against XXXX XXXX  XXXX, for what I believe to be overcharging and harassment related to my loan. I have cerebral palsy and am a mother of XXXX. Due to a six-month delay in receiving XXXX XXXX XXXXXXXX XXXX, I fell behind on payments, despite having made substantial payments over time. XXXX XXXX XXXX XXXXctions have added significant stress to my situation. I urge your office to review my case and hold XXXX XXXX accountable for their practices. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received a statement with a total balance due of {$3000.00}. This entire balance was on a 0 % interest promotional rate that was due to expire on XX/XX/XXXX. I paid the entire {$3000.00} balance due from the statement off on XX/XX/XXXX, but was charged interest on my XX/XX/XXXX statement. When I called customer service to dispute the interest charge, I was informed that I was charged interest on new purchases that had not been billed on a statement yet. I was told that if there are no promotional rates on the card then interest is not charged on new purchases until after they are billed on a statement, but when there is a promotional rate that new purchases are charged interest before they are ever billed on a statement. Being charged interest on new purchases that have never been billed is like being charged a no-show fee for a doctor 's appointment scheduled for next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to rectify the issue of not having my current mortgage payments to be updated and to reflect current for the months of XXXX and XXXX.