23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was never properly served for this debt, the only service I received was the fact I was sued and lost and owed the debt through judgement. Fast forward to XXXX 2012 payroll contacted me and advised me I was being garnished. I accepted the garnishment of XXXX % of my salary because I knew I owed the debt and wanted to make it right by allowing them to go ahead with the garnishment. The total debt was XXXX and have been paying XXXX per paycheck since XXXX of 2012, which is 41 months as of today. The total I have paid as of today is XXXX dollars or more. I can not receive a callback from Asset Acceptance LLC to explain why they are still garnishing my pay even though I have paid XXXX over the total debt owed. They will not stop the garnishment after numerous attempts to contact them.
Product: Credit reporting or other personal consumer reports

National Credit Systems is reporting a debt on my credit file that needs to be removed. I hope you can pull up my previous calls made to this company because the treatment I received was horrible. I had an account that went to collections so I called them to pay it and they advised the lowest they could settle for is {$490.00} plus a fee so I went ahead and took that deal and paid the {$500.00} it came out ot be. They advised in about 48 hours I would get a settlement letter however, I never received it so I called back to get it resent. However, when I got the letter it was instructions on how to go to the website and pay a remainder balance of {$120.00} which was strange because I thought I had settled. I called back and let her know it needed to be a {$0.00} because I had come to a settlement agreement with them and she said no, that she can not say it was settled and then she wouldn't even let me pay the {$120.00} and just hung up on me. So I went back on the site and thought fine I'll pay it online but she disabled the site for me to even be able to pay. I am furious because they continue to report incorrectly to credit despite having had paid and come to an agreement and the person I had dealt with being incredibly rude as well as their manager. I paid this debt, I should have received a letter and am now asking this be completely removed from my file before I escalate this.
Product: Checking or savings account

I have a kabbage  checking account ( AMEX ) and have only made deposits into it. 
It pays 1.1 % APY interest. 
On XX/XX/XXXX was paid 77.23 interest On XX/XX/XXXX deposited XXXX On XX/XX/XXXX was paid 77.11 interest. 

Normally under these conditions the interest increases. 
Looks like! ) Fraud in Advertising or 2 ) Messy software or 3 ) Someone is cashing in ... .. ( have you seen the movie office space?
Product: Credit card

In the XXXX XXXX XXXX, there was a promotion to sign up for the Apple credit card where if you spent {$2000.00} you would receive {$200.00} as a promotional credit. I clicked on the link in the XXXX XXXX XXXX  to apply, and it automatically opened the XXXX wallet app. I completed the application in the XXXX app and was approved. I met the spending threshold within the time allotted. ( see attached document ) Goldman Sachs, the issuer of the Apple Card has failed to credit the promotional amount. They are asking for proof that I signed up with that promotion, but I didnt take screenshots of the process because normally you dont have to. I suspect that their tracking from the XXXX XXXX app to the XXXXXXXX XXXX  application was broken, or they are purposefully not fulfilling the terms of the agreement with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX Date of XXXX ID Type : State ID ID XXXX Address : Chex Systems , Inc. 
Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my Chex System consumer report. I NEVER opened or used the following account numbers : Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX Account # : XXXX Routing # XXXX I don't recognize the following accounts in question. I`m a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Chex System Report Immediately! I've attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

This company XXXX XXXX keeps bothering me and harrassing me for a debt they do not even tell me about. When they finally sent a letter I was like I do not owe this. The original company said I did not owe this. Stop harrassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Credit card or prepaid card

anytime I file a dispute they tell me that I have to get a letter from another company. They make it impossible to dispute a transaction. CapitalOne never send anything in the mail about dispute but the bills come faithfully I switched from the Capital One card to the Venture and was told that I would get the annual fee refunded after 2 month I was told that there is no refund.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Vance & Huffman LLC.. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim XXXX XXXX  XXXX not my account discharged chapt XXXX not my account XXXX XXXX XXXX  XXXX not my account XXXX XXXX XXXX XXXXXXXX not my account
Product: Mortgage

Essentially what happened beginning in 2009 we had just completed a loan refinance on our house through XXXX XXXX XXXX XXXX. About two weeks after we closed on the refinance we began getting phone calls from XXXX XXXX XXXX and did n't know why only for them to inform us that XXXX bean had been shut down by the government, and that XXXX XXXX XXXX was going to be taking over our loan. They in mediately told us that we were behind at least XXXX payment which we could not figure out why because we had just refinanced. During this time XXXX being was telling us to continue to send them payments as well as XXXX XXXX XXXX saying to send payment to them. 
so for at least XXXX maybe four months we did not send the payment in to anybody and then we finally conceded to the fact that we should just send it to XXXX XXXX XXXX everything went downhill after that we tried to get caught up on those XXXX payments and they continued to not honor the refinance that we had done in 2009 with TBW. into XXXX XXXX XXXX XXXX XXXX decided to foreclose on us. we ended up getting an attorney who was absolutely no help because he decided to start running for state representative where we live. We tried twice to get a modification from XXXX, and they refused. We did n't know why! We kept trying! They finally agreed to a trial payment period! We paid XXXX trial payment and they immediately sold to Selene Finance! That led to another load of issues. XXXX said they could n't speak to us anymore, it was all selene 's! We kept making said trial payments-we were to make XXXX, we made XXXX! When I called to make a XXXX payment they REFUSED payment! They also insisted they had NO MODIFICATION info from XXXX!!!!! 
And now we are still facing losing our home!! Selene has sent us 'statements ' for the last year and a half. NO ONE ABIDED BY OUR REFI OR MODIFICATION!! They are trying to steal our home from us!! The trial payments we made? We 're {$200.00} MORE per month than our reg house payment EVER was!!!! 
THEY ARE WRONG AND NEED TO BE STOPPED!! I have been physically ill off and on since this all started back in 2009!!!!!! 
I fear my health will get worse or I will have a mental breakdown because of all of this!!! 
No one should have to deal with XXXX like this!! And it all goes back to our refinance never being honored in 2009 when XXXX took over for XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third complaint against LexisNexis demanding they fix gaps in coverage showing on my Current Carrier insurance report as per FACTA. I have sent them a PDF file via email last XXXX, containing the Declaration pages for all the uninterrupted auto insurance coverage for the past 7 years. I have received an updated report from them, dated XX/XX/XXXX and it is still showing incorrect gaps in coverage Specifically, the XXXX policy showing on the report, policy ending in XXXX, the from date is showing incorrectly as XXXX, when it should be showing XXXX. There is two other XXXX policies with the same policy number ending in XXXX missing from the report ; one of them has a from date of : XXXX and a to date of : XXXX. The third XXXX policy missing ends in XXXX as well and has a from and to date of : XXXX and XXXX respectively. Furthermore, there is several XXXX policies missing. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX
Product: Debt collection

It has been over a year and I have been in constant contact with XXXX car rental. I was a victim of identity theft and have been receiving a bill for a rental that I did not reserve. I have never done business with XXXX or initiated such action. I have called and sent letters in regards to this bill of {$100.00} that was done fraudulently, in XX/XX/2020. XXXX assured me that it would be handled and now it has been sent to a collection agency. I have good credit and this is affecting me in a very negative way.
Product: Bank account or service

My company offers an XXXX through Wells Fargo Bank. During Spring 2016 I had a medical bill I needed to pay and went to transfer some of my XXXX money to my XXXX checking account. At that time, I was told I could only transfer my XXXX money to a Wells Fargo account and thus had to open a checking account with them and had to buy checks. The checking account requires a {$1500.00} daily balance to avoid fees. I 've asked the XXXX team why I ca n't transfer to my other account and have been told it 's " because our system does n't allow for that. '' I do n't need to have a Wells Fargo checking account, as I have one I use on a regular basis already. I 've asked the retail banking team to have the monthly fees waived and they 've said no because I did n't maintain the daily balance. So now I have had to tie up {$1500.00} in a checking account I do n't want or really need, money that I 've put aside for medical bills due to XXXX and XXXX. I feel they 're keeping my money hostage and no one is taking responsibility for addressing an issue that does n't sound fair. Can you help?
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am requesting the removal of all negative accounts from my credit report that have resulted from identity theft. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove any information identified by the consumer as resulting from alleged identity theft within 4 business days of receiving notice. Here is the list of Accounts that needs to be deleted in my file : 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to and confidentiality under 15 USC 1681 Account name : XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX name : XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX. 
Has violated my rights 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 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I strongly disagree with the response of your investigation. Even after your investigation, the following incorrect items still remain on my credit report. I request an immediate reinvestigation of these items due to their negative impact on my credit rating. 
1. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX. 
4. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
7. Validate Account XXXX XXXX XXXX Account Number : XXXX. 
8. The following personal information is incorrect Employers : XXXX XXXX 9. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 10. Validate Account Account Number : XXXX Please ensure that all information is accurate 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
22. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 23. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
25. The following personal information is incorrect 26. Employers : XXXX XXXX
Product: Bank account or service

I want you to contact Citibank and XXXX XXXX XXXX of Citibank, XXXX and ask him why my online Dollar Account is still not activated after i paid all the fees they had asked me to pay.I paid {>= $1,000,000} for the online dollar trust Fund account and {$500.00} for the Authorization and Activation fees which Citibank and XXXX XXXX XXXX of Citibank, XXXX ask for on the XXXX XXXX 2016 and then Citibank and XXXX XXXX acknowledged receipt of my payments fees and said they are working on my Online account, but to date nothing has not been fixed.I want Citibank and XXXX XXXX to be exposed and also i want the XXXX Police, Fbi, and XXXX and CFPB to intervene and force the Citibank to fix my account and i also want to take my account to other Banks which will treat me with respect.I owe people money and i cant afford to starve when i have money at Citibank, XXXX and the people i owe money dont trust me and said i am a liar when i told them that Citibank, XXXX is still busy with my Account.The last email i received from Citibank and XXXX XXXX XXXX was on the XXXX XXXX 2016 telling me that he is busy with my online Account and that he will activate my online account but since then, i have not heard nothing from him or Citibank.When i try to contact XXXX XXXX XXXX and Citibank, XXXX, they keep ignoring me or dont attend to my calls or emails.I am not happy at all and i want actions to be taken against Citibank and XXXX.Should you need additional proof of documents and job id card of XXXX of Citibank, XXXX feel free to contact me on my email address and i will forward you with all the documents, Proof of payments i made to XXXX XXXX bless of Citibank, and all his emails he send me and his Citibank Job id card .I look forward to hearing from you and how to resolve this with Citibank , XXXX.I would also like for Citibank to refund me all my money i paid to them and XXXX XXXX of citibank, XXXX and possibly take my Account to other Banks which will treat me with respect.There are better banks like XXXX , XXXX XXXX XXXX and others which can give me better service than what Citibank is doing to me.Thanks Regards XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred despite having sufficient funds when transaction were authorized I was charged fees due to lagged posting of charges and credit this issue aligns with the rent CFPB finding against navy federal for similar practices where transactions settled with insufficient balance despite initially available funds I believe these practices are unfair and requested an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent over a police report, fraud identity report, along with my id and social security number and a copy of XXXX several times to XXXX, TransUnion, XXXX. I have been a victim of identity theft and have taken all the available procedure available to me to get them to report accurate information on my credit file. I have never had a late payment in my life prior to the identity theft that started XXXX. They keep reporting XXXX credit cards in access of {$70000.00} in my name, XXXX XXXX {$9000.00} and to XXXX XXXX XXXX as late XX/XX/18, XX/XX/18. That is impossible because they automatically withdraw from my checking out since the first payment for the lease. Please have them make sure they only report ACCURATE Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL XXXX credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.