23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Chase Bank, NA JP Morgan. On XX/XX/XXXX charged me in the same day and in less than an hour {$68.00}, they said for INSUFFICIENT FUNDS FEE, as always this financial institution apply their regulation in their favor. they paid first a check that i wrote to XXXX XXXX XXXX and deposited XX/XX/XXXX and then they paid my car insurance some minutes laters my social security pension. For me this It is not fair and is an abuse against their customer. When I called Customer Services they says can not remove that fees, because they paid the check to XXXX XXXX XXXX at XXXX on XX/XX/XXXX and my Social Security at XXXX XXXX XX/XX/XXXX that 's why I 'm making this complaint to help me get this bank back my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in several dispute letters dating back to XX/XX/XXXX to have items that were incorrect removed from my credit report. My last set of letters were mailed out in XX/XX/XXXX. I sent in proof that the following debts had either been closed and settled, not validated or no longer my financial responsibility and were to be removed from my credit report : 1. XXXX XXXX, Closed and Settled for {$710.00}, with a letterhead from the company. 

2. XXXX XXXX I was taken to court by them and the judge dismissed the case because the company could not prove that I never made payments on the account after several requests from the judge. I attached a certified disposition from XXXX County, GA courthouse. 

3. Multiple credit inquiries, I have a fraud alert statement that states that any company attempting to offer credit will need to call me at a specific phone number to verifyu identity. No company has called me to verify any inquiries made in my credit report. 

4. XXXX XXXX has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

5. XXXX XXXX company has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

6. XXXX XXXX XXXX collection agency has yet to validate their account. I explained that I never had an account with this company or are aware whom they are.
Product: Debt collection

Hello, I have attempted to validate a debt with I. C. Systems twice. The first attempt was the mailing of correspondence on or about XX/XX/2022 via first class mail. The tracking number for the delivery of the first notice is XXXX. I waited 30 days and received no response. Then on or about XX/XX/2022, I sent a second request via first class mail. The tracking number for the second notice is XXXX. As of today, no response from this company. This information is listed on my credit report and I would like it removed as the company has failed to provide me with the information to appropriately validate the debt.
Product: Credit reporting

My client has a collections on his credit report from XXXX XXXX XXXX, which has recently been charged by the Federal Trade Commission of pedaling worthless high school diplomas. XXXX. I do not believe he should have to pay this organization, yet his credit is being spoiled. Please advise regarding how we can have the collections information removed from his credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

( No subject ) [ Draft ] This message hasn't been sent.

Saved on : Mon XX/XX/2022 XXXX AM This Credit Bureau systems has never contacted me. The only reason I'm aware of their existence is because they are continuously reporting this to the credit bureaus. I have tried to fight some on my credit report but they remove it then it shows back up. I never received a bill from the original company. How can I pay something I never even received a bill? 

Debt collectors must speak to my by phone or in person about the debt or mail a letter or electronic communications about the debt and wait for a reasonable amount of time ( usually 14 days ) to ensure it was delivered before reporting anything to credit reporting companies. This never happened. I never received anything, you can not just ruin someone's credit when you don't give them a chance to pay! This is deceptive, I don't know the amount I owe cause I never got the bill! I believe they are trying to claim way more than what I should owe. The debt collection company has to provide me with Name and mailing information of the debt collector Name of the creditor whom the debt is owed Account number associated with the debt An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, called the itemization date. 

The current amount of the debt as of when the validation notice is provided. 

Information about your debt collection rights including how to dispute the debt I never received any statements or bills and the original creditor has my correct mailing address.
Product: Payday loan, title loan, or personal loan

Received the loan for {$500.00} on XX/XX/XXXX in store after the previous loan was paid off on XX/XX/XXXX for {$550.00} over the phone. The XX/XX/XXXX should have been due on my next payday XX/XX/XXXX, but the online system stated my payment wasnt due until XXXX. I tried to make a payment on XX/XX/XXXX through the online system, but for some reason it dated my payment for XXXX. I called customer service on XX/XX/XXXX and XX/XX/XXXX, to try to resolve the issue and both times the wait was over 2 hrs before I had to disconnect the call due to no response. I allowed the payment to process for XXXX, which it did ( I  have proof from my bank statement ). I waited 24hrs and  went to the branch to take out another loan, like normal. Once I got there the store representative advised my loan still showed open, but had a XXXX balance. I was advised I would have to wait until the account status showed closed which could be another 24hrs, and that I should call the online customer service to see what the issue is. I called the online customer service and waited about 30 mins and finally got ahold of the representative, I explained the situation and they told me because the payment was setup ACH and initiated in a branch ( even though the payment was made online ) and in the state of Florida I would have to wait 7 banking days before I could do another loan. I advised the representative at no time during creating my online account, through dealing with customer service, or through setting up my payment was I advised the time frame and ACH would have to process for. The representative said Yea we know we have issues with the website but advised nothing could be done. I feel it is egregious how this company is allowed to take my funds to pay my account immediately, but I have to wait because I wasnt advised on the time frame of the process. I have been doing business with this company for at least a year, so this isnt a new account issue. I also have other consumers who are dealing with the same issue with this company as well. This cant seem right. I am also seeking legal council.
Product: Debt collection

on XX/XX/XXXX I went to an urgent care clinic with XXXX XXXX XXXX. After check in and evaluation, Urgent Care directed me to go to the ER at the hospital immediately. They then turned over a medical bill for lab work that never took place, to a collection agency. The collection agency obtained this " debt " two years later and have since been reporting that it was from XX/XX/XXXX which it was not. I have disputed it and uploaded proof of the original visit date and have disputed that the lab ever took place because I have copy of the lab work done at the Hospital, not at this urgent care clinic. Why would I have the same lab done twice in one day, by two different care centers? I also, never signed any paper work authorizing this clinic to turn over my Protected Health care Information to this debt collector. They are not a covered entity under HIPAA guidelines and laws, therefore they should have never been able to have this information. I want this fraudulent debt deleted from my credit report.
Product: Payday loan, title loan, or personal loan

THIS HAS BEEN A TOTAL NIGHTMARE! I used a loan app because I lost my job and needed to pay rent so I took out a {$2500.00} loan. Ive made 12 payments of {$230.00} and only about {$1.00} has went to principle!!!!! When I called to get a payoff quote I found out that I was getting hit with almost 500 % interest and now owed them {$2700.00}!!!! Ive already paid back the amount that I received and when I call to make a settlement they deny it unless I give them {$2000.00} more dollars on the same day. I understand interest but this is downright unethical. There was no disclosure on the loans interest.
Product: Credit card or prepaid card

On XX/XX/2023 I completed a Balance Transfer from Capital One to XXXX. I did not have my Capital One card on me at the time, so I used my virtual Capital One card number for the transfer. 
Capital One claims to have never received the payment of {$700.00} that XXXX supposedly sent them. I now owe a balance of {$700.00} on my Capital One card AS WELL as my XXXX card. Neither company will resolve the balance. XXXX took the {$700.00} onto my new card and left the {$700.00} balance on my Capital One card. 
Disputes were filed, cases were opened more than once ( by both companies ) and both companies claim the cases are closed now. I have now doubled my {$700.00} debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Complaint against Experian, XXXX, and XXXX for Reporting Multiple Incorrect Name Variations on My Credit Report in Violation of My Religious Rights Dear Sir/Madam, I am writing to file a formal complaint against Experian, XXXX, and XXXX for XXXX multiple incorrect name variations on my credit report, which not only creates confusion but also conflicts with my religious beliefs. My legal name is XXXX XXXX XXXX XXXX, as evidenced by both a court order name change and an authenticated birth certificate. However, the credit reporting agencies have been reporting multiple name variations, such as XXXX XXXX XXXX XXXX and others, which is not only inaccurate but also inconsistent with my religious rights creating my soul being shared with multiple people and me not having XXXX. 
These multiple name variations on my credit report have created the appearance of multiple individuals, causing challenges in obtaining credit, as well as other financial and personal hardships. This issue has also caused me emotional distress, as my religious beliefs are an essential aspect of my identity. I have attempted to resolve this issue with each credit reporting agency individually but have not received a satisfactory response or resolution. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information in consumer reports. The incorrect reporting of multiple name variations by Experian, XXXX, and XXXX is a violation of the FCRA. Additionally, it is crucial to respect my religious rights, as protected by the First Amendment to the United States Constitution. 
I am seeking the following remedies : 1. The immediate correction of my name on my credit report to reflect my legal name, XXXX XXXX XXXX XXXX, and the removal of all incorrect name variations. 
2. A written confirmation from each credit reporting agency confirming the correction of my name and the removal of incorrect name variations.

3. An updated copy of my credit report from each credit reporting agency showing the corrected information. 
I have enclosed copies of my court order name change and authenticated birth certificate as proof of my legal name. Please investigate this matter and take the necessary actions to correct the inaccurate information on my credit report while honoring my religious rights. 
I appreciate your prompt attention to this matter. If you require additional information or documentation, please feel free to contact me at [ XXXX ] or [ XXXX ]. 
Sincerely, [ XXXX XXXX XXXX XXXX ( XXXX ) ]
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

In the beginning of XX/XX/year>, I applied for a mortgage with 21st Mortgage Corporation. Unfortunately I was denied, and tried again but to no avail. I tried yet again and was told for {$90000.00} I would need {$6000.00} down. XXXX XXXX is the one that told me this as well as left a voicemail. I told her that I had {$5000.00} available and if possible could she send the approval for the {$82000.00}, which she did. Once the email was received to not only to myself but my real-estate agent, we proceeded with the buying process and now are under contract. The email was received on XX/XX/year> at XXXX. With the approval email received and being under contract, we were lead to believe that everything was falling in place. However, on XX/XX/year> at XXXX, an email was received stating that the loan was denied. 21st Mortgage is yarding us around and it is not fair to us nor the sellers. They ( 21st Mortgage ) is saying that I am seasonal employee for my main job and I am not listed as such, I even went and spoke to the lady at the office that handles paperwork and was told that 21st Mortgage hadnt even reached out to them. With the main job being a XXXX XXXX, during the XXXX  season we have XXXX  XXXX. This year is not like it has been in the past and the owner let us file for unemployment. Being the one I am, I went and found a 2nd job to accommodate so I wouldn't be on unemployment for very long. The 2nd job pays substantially more and I told XXXX XXXX that while talking to her on the phone. We are getting the run around from 21st Mortgage and unfortunately, I am almost out of time as I am part of a mass eviction because the property owner is going a different route with the property I am residing on. I have til the end of XXXX of XXXX  to be out. With this flip flopping like it has, I'm faced with being homeless if this isn't resolved.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did nothing to stop any of these charges as they occurred. When I called them at XXXX on XXXX  to dispute these charges the XXXX XXXX representative told me I had to wait XXXX hours for the charges to no longer be pending before they would do anything. At XXXX on XXXX I called XXXX XXXX to start the Dispute process on all of these transaction as the charges were no longer pending. It took XXXX business days of radio silence from XXXXXXXX XXXX  for them to come back to me on XXXX by email stating that no fraud had occurred and they will not be disputing these charges. I was in Wisconsin asleep during these Transactions that were made in XXXX how did I drive from XXXX XXXX XXXX in XXXX hours from my last purchase in XXXX?
Product: Debt collection

this company called XXXX XXXX is a collection company trying to collect debt is not mine
Product: Payday loan

Got a loan at Advance XXXX in XXXX, TN. was under the impression like every place you go you get a one time fee not a fee everytime you make a payment, been paying on this loan since XX/XX/2016 and has not got down not even a couple hundred have been paying {$200.00} e/o week and statements show i pay a customary fee of {$170.00} each time this is ridiculous how can they do business this way I 've paid more of customary fees than interest at this point, I also asked them about the installment loan which i thought that is what i got into looks like they did n't even do what I requested because they are just out to get people that dont know any better, I 've never had this happen to me before its really ridiculous that I owe more than what I actually borrowed 4 months later
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Checking or savings account

This is a continuation of my previous complaint regarding PNC Bank 's failure to honor a perfectly legal power of attorney. A bank representative, XXXX XXXX, called me on XX/XX/XXXX in order to get more background information on this matter, which I provided. She agreed to call me back today, XX/XX/XXXX at XXXX XXXX to discuss the results of her findings. I planned that part of my day to be available for her phone call, which never came. At XXXX I called and left a message on her voice mail and did not receive a return phone call. Her outgoing message indicated that she was in the office. Her failure to keep her commitment is very unprofessional. 

This is just a continuing example of how PNC Bank is mistreating me in this manner. 

This matter can be very easily resolved with just a little bit of common sense by PNC Bank. All they need to do is to call the notary to confirm exactly how the principal 's signature was obtained. Very very easy to do.
Product: Credit reporting or other personal consumer reports

SEQUIUM ASSET SOLUTIONS, Opened XXXX {$220.00} XXXX XXXX XXXX Opened XXXX {$140.00} Debts reappear after removal under different names and either bought out by another creditor company
Product: Credit reporting or other personal consumer reports

Collection companies have inaccurately reported balances for accounts that have been either closed or paid off. Ive reached out to companies with my account numbers requesting for proof to validate the owed debt they say I was responsible for paying to no avail I have not receive proof of a contact agreement between me and these debt companies. Ive also requested that XXXX, Experian and XXXX update and correct my personal information that I am no longer or have not been associated with and that has not happened. Theres is a bunch of false information on my credit report that I am eager to correct.
Product: Mortgage

I have contacted NewRez via phone over 6 times, since XX/XX/XXXX to gain online access to my account. I am able to login using my email ; however my loan is not linked to my account. I am unable to view account statements or transactions. I have spoken to several representatives on different occasions, and they assure me I will be contacted by someone from IT to help me access my account ; however, no one has called. I receive emails saying my concerns have been resolved, when they have not. 

I have been told that my account has been confused with an old loan I had in my maiden over 10 years ago with XXXX XXXX XXXX. At XXXX point, XXXX of the representatives had me create a new account using my work email. Now, Im receiving emails from NewRez with personal balance and account information to this email. I have requested several times that this email be removed from their records ; however, I have gotten emails as recently as XX/XX/XXXX. There are privacy issues with this as my employer is able to access my emails. I do not want emails with this personal information going to my work account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the consumer reporting agency informing them that they are reporting inaccurate information and to have the information deleted. I have been trying to get this information removed for the past 4-6 months with little to no resolution. I haven't gotten any information in regards of the dispute. The only thing i see on my consumer report is that they " UPDATED '' the information but nothing was ever removed and/or continued to be inaccurate. They have also failed to do a proper investigation and resolve the issue. 
I do understand that anything that reports to my consumer report is suppose to be 100 % accurate and 100 % verifiable. Failing to do so and knowingly failing to do so is a complete violation of the FCRA. This is also a false representation of my character, this has prevented me from being able to properly use my credit for any simple credit application do to the negligence of the consumer reporting agency. I will pursue for any damages that this has caused me in the last few months. I was also told that they couldn't verify my identity, yet i sent in copy of my ID, SS CARD & PROOF OF ADDRESS! 

PLEASE REMOVE THIS INACCURATE INFORMATION. 

ALL 3 consumer reporting agencies are reporting inaccurate : Last day reported Date last active date of last payment high credit limit Reporting inaccurate late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

The list below includes fraudulent accounts on my report. 
1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX XXXX  Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  XXXX XXXX A Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX XXXX A Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

11. Identity Theft PORTFOLIO Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

XXXX continues to report a debt they claim was an error in their computer system, I reported the situation to the police in December of 2022 because they continued to tell me they were fixing the situation and they did not. I am requesting that the identity theft related debt be removed from my credit file