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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$41000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$980.00} XXXX XXXX XXXXXXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXX Balance : {$460.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} ; DEPT OF ED/XXXXXXXX XXXXXXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXXXXXX XXXX : {$0.00} ; DEPT OF EDXXXX XXXXXXXX Balance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Debt collection

I am writing this complaint letter for Rent Automated Collections. Their address is XXXX XXXX XXXX XXXX TN, XXXX. They are reporting this on my credit report, RENT DEBT AUTOMATED COLLECTIONS- XXXX XXXX XXXX XXXX for {$1000.00}. I contacted them to have this debt verified since I filed bankruptcy last year. They sent me a bill and stated that the debt it valid. As this is not a valid debt. I do not owe a balance to this property, period. I tried calling the original creditor, XXXX XXXX and I learned that they no longer exist. The property is under a new name XXXX @ XXXX and management. The property manager advised me that there was no record of my rental history or balance. I continued to research this matter further. Enclosed is the original lease as well as the last payments I made on the account. I signed a six-month lease which ended XX/XX/XXXX. Per property policy, I gave my 60-day move out notice onXX/XX/XXXX moved out onXX/XX/XXXX. I paid my final month of rent which was {$940.00} onXX/XX/XXXX. Upon leaving, I provided them with a forwarding address for my last bill. Roughly a month later, I received a final bill for {$65.00} ( please see XXXX bank statement ). I paid this balance as soon as I received it. That was the final correspondence I received. Additionally, I paid a {$270.00} deposit when I moved in and the property has no record of that either. I have never left a balance on any rental property that Ive moved from, nor have I ever broken a lease. I travel for a living, so I can not afford to carry any balances. Most recently, this misreported error has caused me to get denied for an apartment home. Enclosed are the bank statements, original lease and billing statements as proof that this debt is invalid. Please help me get this invalid item removed from my credit report. As this is the only collection that I have on my credit report. 

Thank you! 

XXXX XXXX
Product: Mortgage

XXXX XXXX sold my load to Rushmore Loan Management Services ( RushmoreLM ). 

RushmoreLM is not suited to handle a 'negative amortization ' loan. Online and statement by mail only give the option to pay the minimum amount plus insurance. 

They see my loan as a standard ARM and at the same time tell me they understand a negative amortization loan. 

Since taking over the loan ( 4 or 5 months ago ) I have to call every month to make my payment. I never speak with the same rep so I have explain my loan so they take the right payment. This takes time as they put me on hold to read the mounting notes of the previous months. They go through the same series of solutions that I go through every month that never fix the issue. 

Since being forcibly moved into this company it has taken me 30 to 45 minutes to make a payment. It used to be 30 seconds online at XXXX XXXX. 

All I am being told is that they are working on it. My relationship due to my frustration is not going very well with this company. 

I understand my loan can be transferred and what I do not understand is how it can transferred to a company not suited to handle this type of loan? 

What recourse does a consumer have in this type of indecent?
Product: Payday loan, title loan, or personal loan

I purchase a puppy at XXXX and its was super cute and all but the finance company made a deal with me to pay XXXX $ but American first finance!! is charging me more more everyday if I try to pay it off early and when I call them they give me a different story and reason every time its supper sketchy and annoying and it just gives me stress.i wish I was able to research the company before I went through with this, American first finance if you read this YOU GUYS ARE SCAMMERS AND LIERS dont trust them guys!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should be held responsible because I applied for a Home Depot credit card on Sunday, XX/XX/2021. The company pulled my credit report and my credit score went down by XXXX points because of it. Once my application was finished I was told someone would get back to me. I received an email stating further information is needed to process my application. So I called the company and was told they would have to pull my credit report again but only after I get my phone number fixed on my credit report so that they can verify its really me. The agency is really being unreasonable because there are a number of ways to verify a person and my credit score is good. Now I feel like my score went down XXXX points for nothing. If this agency could assist me with this matter. I would appreciate it.
Product: Debt collection

The company called from XXXX, stating that I owed around 1200 in a loan from XXXX that I never applied for and threatened to take legal action. They stated that I received a loan in the amount of {XXXX} deposited into a XXXX account that I never had. I called XXXX and they have no record of me and stated that I would have to live in Georgia or Florida. Which I live in Ohio and have always. The loan was supposed to be taken out in 2014. I have never applied for a loan from XXXX and now people are scamming the public.
Product: Checking or savings account

USAA routinely denies debit card didputes even when the account holder sends in requested information Debit card dispute staff at USAA do not review uploaded documents for debit card disputes I complained about this same issue over 90 days ago & it appears USAA still Has not corrected their practice of denying claims without reviewing documents -without contacting the customer Ordered an item in XX/XX/2021 -a XXXX XXXX Seller shipped on XX/XX/2021 Recieved XX/XX/2021 Seller shipped in a glass bottle -bottle was broken & liquids leaked out Sent email to seller with photos requesting a refund /no response Filed a dispute with Usaa via phone call Uploaded photos same day of broken bottle /spillage Today XX/XX/2021 Usaa reversed my credit -denied my claim I uploaded photos to USAA that clearly show a broken bottle -leaked liquid therefore I did not recieve my product ordered I uploaded my email to the merchant /requesting a refund Even after that I got a letter from Usaa requesting supporting documents I then uploaded the documents a 2nd time on my account -dispute tab & they still denied my claim I know I cant be the only person experiencing this issue You cant talk anyone in the department that does disputes The people in the dispute department arent reviewing or receiving supporting evidence Or They receive it and deny the claim anyway XXXX  XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Why do the negative accounts still remain on my credit report until now? I want them removed. If no action is taken regarding this, I will sue and fine you accordingly.
Product: Credit card

I bought a used refrigerator from a used appliance store, XXXX in XXXX, Florida. It came with a 30 day warranty. They did not offer delivery so I hired a professional moving company, XXXX XXXX to pick it up for a fee of {$100.00}. 27 days later I woke up to a hot refrigerator and lost all my food. I called the appliance store and he said I would have to bring it back. I called the same moving company, XXXX XXXX, to pick the refrigerator up and take it back to XXXX. The delivery was done. 

I called the appliance store to see what was wrong and how long the repair would take. He said he could n't look at it for 2 weeks. I said I ca n't go two weeks without a fridge. He called me a XXXX and I told him to keep the fridge and reversed the charge on my credit card. I bought another refrigerator, replaced all my ruined food and moved on. 

Months later, I get a letter from Barclay that the charge for the refrigerator was recharged to my card. What????? The appliance store suddenly claims the movers damaged the refrigerator. They shrink wrapped it and strapped it into the truck. I watched them. There was no damage. 

This all occurred in XXXX. The mover went to the appliance store last Friday to speak with the owner and see the refrigerator. The owner told him he did not know what he was talking about. He told him to have XXXX XXXX call. I did. He yelled and called me some more name. I said I need you to credit my card or let me come pick up the refrigerator. He said he got rid of it. I supplied Barclay with his ads where he was advertising the same refrigerator for {$550.00} through XXXX. Now " he got rid of it ''. 

I called Barclay and told them all of the above, again, and they still refuse to credit my card. 

I am literally at my wits end. What Barclay is doing is causing me a literal nervous breakdown and should be illegal. Where does any kind of consumer protection come into this? What in the world are they doing? Please help me. 

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

I think I may have been a victim of identity theft. Account is not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents, also persuant 15 USC 1666 late payments are not to be reported so I am requesting late payments to be removed from my consumer report.
Product: Credit reporting or other personal consumer reports

This is my follow up to notify you that I am a victim of erroneous reporting and I submit to dispute this account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of this account in my credit file that resulted from an alleged erroneous reporting. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on this is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX : XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$920.00}
Product: Student loan

I am not even sure of this information. I didn't even know they took over my loans. I never had XXXX XXXX either. I spoke to them once, was put on a forbearance, and never heard from them again. That is until this month, when my social security XXXX check was short. I guess they were able to take my money that way. I am in XXXX, with XXXX, who previously had my loans, or so I thought, I never had an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US Code 6801, Improper use of public information, which was used as a only factor in an application with XXXX XXXX XXXX XXXX XXXX to which is not paid or factual if found other by other Than the consumer. Friends family, public records etc, is not valid pursuant to 15 US Code 1681 A4. as a living woman XXXX XXXX have come to extend my credit as it is my legal right.
Product: Debt collection

Capital Accounts placed a collection on my credit reports. I have been disputing this account on a monthly basis for more than 2 years. CA keeps reporting that the account is a valid account. I have sent letters on XX/XX/XXXX and XX/XX/XXXX asking for validation of the account by providing me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). I received 2 responses each with the same canned response ( 2 page letter ) indicating that they have accompanied the letter with an " itemization of the debt. '' The second pages of each of these letters is a blank page with a barcode in the upper right corner that matches the barcode from the first page of the letter. This is not a mistake. I also received a call today on XX/XX/XXXX from XXXX at CA asking me to make payment in the amount of {$600.00}. I again insisted they delete the item from my credit report as they are not able to validate the account because there is no account. There is no proof that validates this debt because there simply is none that exist. Capital Accounts is in violation of the law 611 ( 5 ) ( A ) of the FCRA and is required to delete this collection account from my credit report files.
Product: Debt collection

Ref : Synchrony Bank LOWES In XXXX of I received a statement with a BALANCE of {$56.00} which was paid off completely through my bank account on XXXX XXXX, 2017. After paying the debt off through my Bill Pay provider I did not receive any further statements from the company until a couple months ago when they claimed I owed an additional balance of {$53.00} which later was assessed one late fee of {$29.00} and another of {$38.00}. After speaking to them today they did apologize for the error and refunded the fees however after asking them to correct the credit reporting they suggested to file a dispute with their customer service department. The obligation of a creditor is to service a debtor in a manner which correctly and accurately reflects pay history including correcting their errors. My first complaint is that after the payoff was sent and received by Synchrony there  were no additional statements sent to me in reference to a balance but then continued to accrue late fees which is an abusive practice for an amount which was paid in full with proof on my bank statement and per the representatives conversation that they apologize about the inconvenience. Actions such as this are abusive to consumers in many ways due to blindly charging fees, stopping statements, then not acting to correct any erroneous credit reporting. 

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

Cease and Desist Communication Regarding Collections/Charge off Account Possible Financial Loan # XXXX I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Stop reporting this debt by all credit reporting agency and request for deletions From original creditors.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.
Product: Credit reporting or other personal consumer reports

Transunion | We have enclosed the XXXX XXXX outlining the specific details of our dispute. We hereby notify our intent to formally demand that XXXX assume responsibility for covering the arbitration costs as required, prior to proceeding with the filing of this case with the XXXX XXXX XXXX ( XXXX ). 
To avoid arbitration, please address this matter promptly and confirm your compliance in writing. 
15 U.S. Code 1666b - Timing of 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. 

REMOVAL OF ALL LATE PAYMENTS IMMEDIATELY - UPDATE ACCOUNT " PAID AS AGREED " Account : XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681n and 15 U.S. Code 1681o, this correspondence serves as formal notice that your continued failure to address and resolve the inaccuracies in my consumer report constitutes willful noncompliance and negligence under the Fair Credit Reporting Act ( FCRA ). Your obligations under federal law require the maintenance of accurate and complete consumer files, and your failure to take corrective action after being notified of this matter underscores a disregard for your legal responsibilities. Enclosed, please find an arbitration form that I am prepared to submit should this matter remain unresolved. I urge you to rectify this issue promptly to avoid further legal action necessary to enforce my rights under the FCRA. 

XXXX XXXX Account XXXX and alleged to be Closed Alleged is reported in deficiency of reporting mandates and or necessary formalities therefore the sophism must be eradicated as is my legitimately requested resolution, please do so HERE AND NOW! It is ILLEGAL to retain or report misleading or unproven info, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally divulged allegation ( XXXX ) here and now. ALL claims, appropriate or not, must be apodictic to be currently and fully bona fide, CORRECT, COMPLETE, TIMELY, of principal OWNERSHIP, of principal RESPONSIBILITY. Applicable reporting laws and requisite standards, which is currently the FCBA, FCRA, FDCPA, XXXX XXXX COMPLIANCE STANDARDS and others. document laws and needed reporting standards, you or any entity are in infringement of XXXX XXXX rights. Should you continue to cling to and/or report any chicanery based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be authoritative, correct, complete, timely, or else wise fully compliant.
Product: Checking or savings account

Yesterday I deposited a {$66000.00} check from an insurance company. I can understand Bank of America putting a hold on that account due to the large amount of money it is I had a balance of {$760.00} in my account. I made a few payments Which the {$760.00} wouldve covered. But what Bank of America did is deduct {$560.00} out of my account from a check that cleared on XX/XX/XXXX from my employment. Ive worked at the same company for over XXXX years never had any issues with those checks the bank could not give me a reason why they took this money out Seven days later when I have already been paying on that deposit, this caused my account to be all overdrawn by {$300.00} and not have access to my own money. They said they need to investigate it and it could clear up in seven days that is unethical and it is not right for a bank to take money that is not there to take. Have outstanding credit I have never overdrawn my account. I have never bounced the check. I have good banking practices and what theyre doing is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX XXXX have been put on notice over 30 days ago in regard 's to three collection companies that are unlawfully violating the fair credit reporting, again I have sent out legal documentation letters and corespondences XX/XX/XXXX asking them to take action and remove derogatory unlawful reporting is now going on 60 days and still reflecting on profile again I sent out court orders/case number and relevant information to remove imediatly XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX all three credit bureaus should receive Thursday XX/XX/XXXX and should immediately remove from report, the bureaus have stalled time after time regenerating 30 day investigation my documents qualify for immediate removal
Product: Checking or savings account

I legally changed my name in XXXX, however, despite going into the branch and having the name change processed. The name was updated on my end, I was reissued a new card. However, Chase continued to send me mailings in the old name. 

After struggling to get any support, I finally emailed Chase Executive team on Monday, XX/XX/XXXX to ensure the name was updated on all of their ancillary systems. I received a call from XXXX on Friday, XX/XX/XXXX informing me the changes were made. 

While traveling from XXXX  to XXXX XXXX, XXXX  I was unable to access the account via the web. Upon calling, I learned the account had been closed by Chase. I was traveling with no access to a working debit card or funds. I went to a branch in XXXX XXXX, but was advised a temporary card could not be issued and they were unable to revert the changes made in error. 

- At this time Chase does not know why my debit card was closed - At this time Chase does not know why the associated debit card and web account was closed - There is no option to provide a temporary card ( per the Branch Manager in XXXX XXXX and per XXXX ) - I was advised the cancellation of my card can not be reversed - I was advised that my card ending in XXXX does not show in Chase 's history as a valid account, and as such you are unable to revert the changes that were done in error. The card was used the week of contact with Chase. 
- I am being told nobody knows what happened and to expect a response by Friday, XX/XX/XXXX - I was told the name was correctly updated and should reflect in 1 - 2 billing cycles. However, I have a hard time believing this. Where would the changes reflect if my association to the account was removed by Chase? 
- I was left in XXXX XXXX with no access to my debit card and/or funds. I was forced to use a credit card.