23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a Chase XXXX card and received a denial letter. I contacted their reconsideration line and was advised that I was listed as an authorized user on another Chase Credit Card account that was charged off. I advised I was not aware of this and to provide details. No information was provided- I contacted EVERY customer service number for all the credit cards Chase offers in their portfolio. No one could assist me. 

Upon calling the reconsideration line, the second representative quickly backtracked and advised " oh- well that would n't hurt your score thaaat bad '' - but XXXX information in regards to the debt. ( Which of course, not my debt )
Product: Debt collection

I am writing to dispute the following information in my file. 
Items : Comenity / Full Beauty and Comenity / Wayfair is inaccurate because these accounts were paid in full directly with Comenity on XX/XX/2021. Comenity sold the account to XXXX XXXX XXXX after I made the payment, and now the monies are just sitting in space somewhere unapplied. The company the sold the debt to, XXXX XXXX XXXX is now coming after me for the money. I am requesting that the item be updated as paid in full immediately and reflected as such on my credit report. The attached letter from my bank confirms the funds were satisfied and Comenity still has not updated the account or reported it as paid to any credit bureaus. The attached letter from my bank was sent to Comenity on XX/XX/2021 at their request. I have had up to a dozen phone calls with Comenity to remedy this and to be spiteful, the lowered the balances on my other Comenity held cards. They have confirmed receipt of the letter from my bank and still they have not taken action. After accepting my full payment, they sold it for pennies on the dollar and now I have two collectors coming after me for a debt that I paid in full. 

Please investigate this matter as soon as possible as I have exhausted all resources to fix the issue.
Product: Student loan

I co-signed for a {$6000.00} loan for my son on XX/XX/XXXX. When he failed to make his payments, I paid the loan off in full in the amount of {$7000.00} on XX/XX/XXXX. since that time, I have been harassed by Fedloan Servicing through repeated phone calls and letters that threaten to garnish my wages, report me to credit bureaus, and to assign litigation, even though I have talked with representatives many times by phone.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
My credit report includes this erroneous information that needs to be investigated and removed : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian in regards to 5-6 addresses on file that do not match where i live. They refused to open a dispute on the addresses until i contacted specific financial institutions. They are essentially working together with banks to blackmail people into destroying their own credit by verifying debt inadvertently.
Product: Debt collection

Credit Collection Services placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.
Product: Debt collection

Debt assigned XX/XX/XXXX collection reported XX/XX/XXXX, I noticed this debt on my credit report, and I immediately reached out to the creditor, to let hem know that this debt was not mines, they told me that the the debt was paid collection, I asked them to remove it, although it was paid I was not responsible for his debt I was XXXX at the time of this debt, and that didnt make a payment to settle, because I wold of disputed the charges, next I was bombarded with letters from the creditor, and the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to the account number XXXX that the company, XXXX XXXX XXXX, has listed on my credit report. I have previously contacted your company requesting validation of this debt, and to date, I have not received a response or any documentation that verifies this debt or a signed contract. 

As I stated in my previous correspondence, I have no knowledge of this debt and have never entered into an agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt and to dispute its validity. Your company has failed to provide me with any documentation that proves the validity of this debt or a signed contract. 

Therefore, I request that you remove this account from my credit report immediately. Your failure to provide validation of the debt or a signed contract is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I also request that you cease all collection activity on this account until you can provide me with the requested documentation. Any further attempts to collect on this debt without providing verification are illegal and a violation of my rights under the FDCPA. 

I urge you to take immediate action to correct this error and provide me with the requested documentation. I look forward to your prompt response to this matter.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed some things are incorrect and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepare a consumer report, shall follow reasonable procedure to assure maximum possible accuracy Account - XXXX - XXXX Also the account was sold without informing me with the company, true accord. 

I sent a letter XX/XX/year> asking for a re-investigation they did not provide it which is violation of 15 USC 1681i7
Product: Debt collection

I don't recall receiving a debt validation notice within five days of this initial communication, as required by 12 CFR 1006.34, or the necessary validation information, including the name of the original creditor, the amount of the debt, and an itemization of the debt as required by 12 CFR 1006.34. I request that any negative information related to this alleged debt be removed from my credit report until the debt is properly validated, in accordance with 15 U.S.C. 1692g ( b ). I also request that Amsher Collection comply with all provisions of the Fair Debt Collection Practices Act and Regulation F, including providing the required validation information and ceasing collection efforts until such validation is provided.
Product: Credit reporting or other personal consumer reports

I sent a letter to TransUnion Consumer Solutions to verify these late payments. I have not received any response or update on this account. Please investigate and verify this account as soon as possible. I HAVE NEVER BEEN LATE ON THIS ACCOUNT. I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late on this account to support your inaccurate reporting on my account. If you can not supply this, please DELETE these alleged late payments from my credit report per 15 USC 1681b.
Product: Mortgage

We have been paying into our escrow per our payment plan. We received a letter in the mail today from the Fiscal Officer County Of XXXX XX/XX/2018 that our taxes have not been paid and that our house is subject to foreclosure on XXXX.There is plenty of money in our escrow account. Wells Fargo failed to pay our taxes from escrow for the first half of 2018. 

I have contact the company today XX/XX/2018. They stated there is nothing they can do until Monday XX/XX/2018 when a case can be open. I spoke to XXXX XXXX at the Executive Office.I also spoke with XXXX and XXXX during this call. We will be faxing this information in tomorrow morning for written confirmation.
Product: Credit reporting or other personal consumer reports

no knowledge of doing business with XXXX XXXX XXXX.
Product: Credit reporting

On XXXX/XXXX/XXXX, I pulled my credit report from TransUnion and found that TU XXXX conducted an inquiry without my written authorization on XXXX/XXXX/XXXX. Refer to page XXXX of enclosures submitted. Another inquiry was made on XXXX/XXXX/XXXX by Transunion XXXX with my first name that is not spelled correctly. Refer to page XXXX of enclosures submitted. I did not authorize this inquiry. Furthermore, I did not subscribe to this service at all-Period. I believe that is inquiry involves fraud and that this entity doing business as TU XXXX is not legitimate. I wrote a letter to this entity dated XXXX/XXXX/XXXX. Refer to page XXXX of enclosures. I received a letter dated XXXX/XXXX/XXXX from Transunion XXXX. Refer to XXXX XXXX of enclosures. I did not apply for a loan or a credit card. I simply pulled a credit report and that is all. First of all, I want to know if this entity is a legitimate business and second, they do not have my expressed written authorization to conduct a soft inquiry with my expressed written consent. They have no business conducting a soft inquiry for no reason and claim that I had signed up for it. Especially, with no signed contract or my expressed written authorization. My financial information is not available for sale, distributed, faxed, e-mailed, stored in a retrieval system, sent to a third-party without my expressed written consent. Transunion XXXX also known as XXXX or XXXX is not authorized to resell any and all of my information-Period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXXXXXX 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 XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I received a letter from FedLoan Servicing for a payment of {$12.00} XX/XX/2016. After confirming they were my new loan servicer, I promptly paid it. I received a bill a week later for over {$600.00}. I called FedLoan to inquire why my bill went from {$12.00} to over {$600.00}. They had no explanation but stated I could enter a payment plan with payments under {$150.00}. I agreed. The CS asked when I could start payments, I stated the XXXX of every month starting in XX/XX/XXXX. I was never told my balance was originally $ XXXX, nor the fees FedLoan added totaling $ XXXX when they acquired my account. During XX/XX/2016, I received a bill for {$180.00} in the mail from FedLoan. I immediately called to inquire why the bill was so high. They stated the bill was higher due to the 60 day deferment, because of this I now owed more. I reveiewed but could n't make sense of the bill. So I checked the FSA website, it stated I owed $ XXXX. When I checked FedLoan 's website of my account, I now owed $ XXXX!!!! How did my bill go from $ XXXX to $ XXXX to now $ XXXX in 120 days? I paid the {$180.00} and began to sift through several letters that made no sense from FedLoan stating I was on IBR ( I 'm not ), that I had requested several deferments ( I had not ) and several letters stating that my bill was going up and interest I now owed because of said deferments. In the end, my payments ballooned from {$12.00} to {$180.00} to now {$190.00}, with the amount owed at $ XXXX. The CS never stated that I would owe $ XXXX for each month I did not pay. If that were the case, I would not have agreed to a later payment date. Who would agree to such exorbitant fees?!? If this is n't predatory loan lending/servicing, I do n't know what is. This simply can not be legal. 1 ) FedLoan did not follow DOE 's guidelines for contacting me to inform me they were my new servicer. I contacted them. 2 ) They did not inform me of my rights as a borrower. The company simply sent me an exorbitant bill with no explanation as to who or why I owed such money.. I simply put it together on my own that it was connected to my student loans. 3 ) The CS agents with whom I spoke did not explain, and I do not feel they were capable of explaining the repayment terms or borrowers rights and options. The CS a ) presented amounts I could pay under several plans, b ) after I chose the plan and amount I could afford to pay, she asked when I could start payments c ) she stated when the payments would be due the and some standard language and hung up. 4 ) NO ONE explained any percentages or amounts that would be added to an account. It seems copious amounts of fees are added to my account every couple of weeks with very little to no explanation and no one that can held accountable for actions and no one with decision making capabilities can ever be reached. I owe $ XXXX and I want to pay it. I do not owe $ XXXX and the DofE needs to be better watchdogs on the loan servicing companies they assign to their borrowers. It 's not enough that the original loans were predatory to begin with ; they hire companies to do thrice as much damage to those that can not afford to pay but try.
Product: Credit card or prepaid card

Citibank closed my credit card on XX/XX/21 without any prior warning. I've had the account for almost XXXX decades. They did not give me advance notice in writing, phone, or email. In order to re-instate the account they would need to pull a new credit report. I do not want to pull a credit report because I do not want my credit score negatively impacted for an account that I had open for a long time.
Product: Credit card or prepaid card

I have called Capital One on separate occasions on to why they don't raise credit limits on people who pay on time and have had no issues or go over the credit limit. I know a lot of people who have had late payments with Capital One and been months late and still get credit limit increases. I ask for an increase and they generate some bogus reason as to why I can not get an increase. It seems like Capital One only likes to increase people who are bad at paying their bills to keep them in debt. Capital One won't increase my limit on the cards that I have but they always encourage me to apply for another card vs increasing the limit on the cards I already have. They are trying to do this to get more fees with more cards as to why I have a 2nd card with them. Capital One also likes to blame the credit bureau for reasons for cards not to get an increase. I call the bureaus and they said that what capital one is giving for a decline does not match up with them ( credit bureaus ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert from XXXX indicating remarks updated on equifax credit report in regard to my XXXX Student account. This information keeps changing and as fast as my credit score increases immediately the information on my XXXX will change and now I've lost 25 points. These changes aren't being done by XXXX XXXX because I've called them and asked and they informed me because these accounts are included in Bankruptcy there is no reason for them to keep changing. They report it as included in bankruptcy and that is it. I've contacted my bankruptcy attorney as well and they said they dont have a reason or authority to add anything to my XXXX information. Lastly, I haven't nor do I have a reason to dispute this information because it is included in bankruptcy. Someone within the credit bureau keeps changing the remarks on these 9 accounts without me being the one initiating the changes. This will be the 3rd time information has changed on these 9 accounts that has caused my credit score to drop. This is wrong and when I call XXXX  after speaking with XXXX svc'ing and being instructed by the agent at XXXX XXXX  to ask who initiated the dispute they could not provide me with that information. I want this to stop.
Product: Checking or savings account

In XX/XX/XXXX, I went to make a purchase to XXXX and BANK OF AMAERICA canceled the transaction and placed a hold on the card alleging fraud. I called them and told them I was buying groceries for my family and they still stated the card would be placed on hold and they did not allow me to purchase my groceries. I kept calling everyday as I needed my money to buy groceries and within a few days they stated they had closed my account. My account at that time had {$1800.00}. They stated they had closed my account and that they would be sending me a letter explaining why and would mail me a check for my remaining balance. I went into a Bank of America branch in XXXX XXXX as I do not have a branch in my city. They told me I had to wait to get my check in the mail. The days passed and I kept calling and every time I would get different responses and stating their were claims submitted and that those were pending before a check would be issued. In XXXX my employer direct deposited {$300.00} to my account. I received a bank statement from Bank of America stating that as of XX/XX/XXXX my ending balance was {$1800.00} with an account that had been closed. I kept calling almost everyday to see when my check would be mailed and they stated it was pending because of claims I had made. I never made claims, all I wanted was my money. I have small children with medical needs. at one of the phone calls I made Bank of America told me on XX/XX/XXXX all your claims will close and a check will be issued. I called on XX/XX/XXXX to see if check had been issued and they told me that my account was negative and no check would be issued. How can the account be negative if it had been closed for months and no transactions were being made?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am re-submitting my CFPB Complaint to express my extreme dissatisfaction and outrage at the fraudulent items listed on my credit report. It is unacceptable that several items, which I did not open or have any knowledge of, are present, indicating identity theft. The fraudulent account details, including [ list details ], violate my rights and have severely impacted my financial standing. I demand that you investigate and remove these items from my credit report without delay. Please remove the following items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX, XXXX, XXXX. As a consumer, I have the right to dispute any inaccurate information on my credit report, and under the Fair Credit Reporting Act, it is your legal obligation to conduct a prompt and thorough investigation. Please provide me with a written response detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a title loan at Title Max over a year ago. I was making monthly payments of over {$300.00}, and have managed to get my payments down to {$260.00} a month, by always paying on time. What I wasn't aware of is that these monthly payments I've been making for over a year, have not paid down the loan, and barely cover the interest. I'm drowning and will continue to pay on this loan forever unless I have some sort of windfall that allows me to pay it all at once in full. I am XXXX XXXX XXXX, living at my XXXX XXXX XXXX, taking care of XXXX children and barely surviving. I have explained my situation to XXXX of the employees at Title Max in XXXXXXXX XXXX and all he could say is " there's nothing we can do... you signed a contract agreeing to our terms ''. I'm sure you're well aware of these types of places, and know ( as I now do ), they don't care about you or your situation, just making money. I need help... please.
Product: Debt collection

On XXXX/XXXX/17at approx. XXXX XXXX I received a messaged from a man stating he would be at my house within the hour. And if I was not there, he would show up at my place of business until he found me. I call the number back that he provided, XXXX and was told it was in reference an old credit card bill that I owed. I made a {$50.00} payment. The company ID 'd themselves as ICR. After I paid the bill I received calls from two relatives letting me know they received the same message between XXXX and XXXX stating that a man would be showing up at my residence. I call the XXXX  number back and asked to speak to a manager. I was transferred to a male who ID 'd himself as XXXX, Director of Operations. I told him my name and the phone calls I received and my relatives received. He became belligerent and insulted me. I wanted to know if it was general practice to tell a single mother that there would be a man showing up at her house within an hour with documents. He laughed at me. This is very upsetting and frightening to me that a man can threaten to show up at my house in the evening and when I tell the company he represents about it, I am laughed at. I kept the original message, as did my relatives
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX after settling this account with Acima, I have asked that the account information be corrected. The original lease amount is not the amount that is being reported. However my issue is that after disputing the account in XX/XX/XXXX. XXXX has updated the account with a new closing date which is inaccurate. The account now shows it was in charge 30 days late, 60 days late collection and then charge off status. It went into good standing from XXXX then closed. This is factually incorrect and a violation of my rights. I called ACIMA LEASING in XXXX to request a goodwill removal of the XXXX and XXXX day lates. I was told that since the account was closed in XX/XX/XXXX only XXXX can update the account. Only for them to update and inaccurately report a new status if Closed as if XX/XX/XXXX. 

I am requesting a new investigation of this account and to be updated or deleted due to numerous inaccuracies.