23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from CCS saying that I owe $ XXXX.They say I owe this to XXXX and I do not. They have also been calling my cell phone and I NEVER have given them permission to call me or call me on my cell phone. I faxed a debt validation request letter to them on XX/XX/18 to XXXX. This is the CCS President XXXX XXXX fax number. I have a confirmation saying this was faxed and received on XX/XX/18. I also requested in writing that they cease all phone calls including my cell phone number that they have never been authorized/given permission to use. This was included in the fax they received on XX/XX/18. They have called me on my cell phone at work repeatedly and during meetings and other times while I have been at work. They have not stopped from calling me, and they listed the alleged debt on my credit reports negatively affecting my credit. They failed to comply with the FDPA and have not ceased calling me, they also have not responded to my debt validation letter requesting validation of this alleged debt and they added the alleged debt to my credit report. They haven't responded at all to my letter and not by the required 30 days. They are to immediately delete this from all credit bureaus and to cease all collection activity for this alleged debt that they have not validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/XXXX to XXXX, XXXX XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine weather the disputed information is inaccurate and record the current status of disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 - day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has on my credit file as {$770.00} written off and there was no money written off on this account. 

I have provided from XXXX XXXX proof there is nor any money owed or written off. 

I have mailed document from XXXX XXXX showing there is no written off nor any money owed on this account. 
I need from Experian something showing there is or was balance owed as I have provided a letter showing there is no balance owed on this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the inaccurate and misleading reporting of my accounts by XXXX XXXX XXXX XXXX and XXXX. Despite my previous disputes, the following issues remain unresolved : Double Reporting by XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX is reporting this account twice on my credit report, which is a clear violation of my consumer rights and highly misleading. 
Lack of Proper Verification for Disputed Accounts : Accounts : XXXX, XXXX XXXX ( multiple instances ) These accounts were previously disputed and came back as verified. However, I did not receive any method of verification supporting these findings, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Violations of FCRA : FCRA 611 ( a ) ( 1 ) ( A ) : Requires credit reporting agencies to conduct a reasonable investigation of disputed information. The failure to provide a method of verification indicates that a reasonable investigation was not conducted.

FCRA 611 ( a ) ( 5 ) ( A ) : Mandates the deletion of inaccurate, incomplete, or unverifiable information. The double reporting of my XXXX XXXX account and the unverifiable status of the disputed accounts fall under this provision. 
FCRA 607 ( b ) : Obligates credit reporting agencies to maintain maximum possible accuracy in the information they report. The presence of double reporting and unverifiable accounts suggests a failure to comply with this requirement. 
FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers of information from reporting information they know or have reasonable cause to believe is inaccurate. XXXX XXXX 's double reporting and XXXX 's unverifiable accounts are in direct violation of this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/ ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00} ; XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2900.00}.
Product: Credit card

Barclay Card falsely advertised a promotional rate for XXXX. purchases. On my first big purchase from XXXX a year earlier, they extended a zero percent interest rate for 18 months as advertised. What they did not tell me is that this promotion must be reactivated every time you make a purchase from XXXX, despite the fact that they do n't have any clear instructions on how to do this, and they do it automatically for you on the first purchase. Unlike other cards I own, they also capitalize on any amount in the account at closing immediately instead of the statement balance. That means if you have {$15.00} on the card the day before closing from an automatic payment they collect interest on it. This is a predatory card and Barclays has questionable business practices that intentionally try to trick the customer.
Product: Payday loan, title loan, or personal loan

The consumer attempted to extend themselves credit through Chase. On XX/XX/2021 the consumer was denied because of XXXX violating 15 usc 1691. This is a written demand to ceo XXXX XXXX, cfo XXXX XXXX, XXXX XXXX XXXX and to whoever else it may concern to extend credit to XXXX XXXX Reference # XXXX the consumer who has endorsed this action in good faith. And if there is a inquiry or adverse action on the consumer report delete it now or a criminal complaint will be filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the Toyota car dealership on XX/XX/2018, allowed them to do my background check ; I was aware that a hard inquiry would show up on my account from Toyota credit, but next time when observed my credit report there were Six hard inquiries on the same day. I called them, and they said it is because you didn't qualify for special financing from Toyota we had to ask other banks. That was a surprise for me since it shouldn't show up as hard inquiries, I called manager of the dealership regarding this issue, and she said it is showing up on your account because you didn't purchase the vehicle. We all know it does not work like that.
Product: Student loan

I just do not know what next steps to take regarding my private loans. I can not afford to pay on these loans at all. I only brought home XXXX last year and I am a single parent. I would like to pay what I can which is not a lot, but the lender is saying it 's not enough. Since I have graduated I have not had a good paying job that will allow me to pay for my private student loans without sacrificing necessities. I have been trying hard to find a better paying job but I am afraid that the negative marks from these loans on my credit report are playing a huge factor as to why I am not able to succeed much in being offered a better paying job.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/year>
Product: Debt collection

On XX/XX/XXXX, Sarma contacted my mother after I put in a complaint telling them to stop contacting all family members. They told me they would cease all communication. Its a debt that has been dropped from my credit. They have called harassing my dad, my mother, my exhusband, and my exhusbands family. They also tell them that I owe them and about the debt which that is embarrassing. I was told they would stop contacting my family and ex in-laws and it is still happening. Next step Ill be contacting a lawyer.
Product: Mortgage

My mortgage originator sold my mortgage to another company called Loan Care. 
Originally I had set my account up for auto draft on THEIR website to take my monthly payment out of my checking account on the XXXX of the month. 
1stly their website doesnt allow you to view any pending payments and secondly there was one month where their system didnt take my payment out on the XXXX like they were supposed to : This was XX/XX/XXXX. I noticed the payment wasnt taken out and on the website it said my account was past due I became worried and submitted a manual payment and re-submitted the auto pay information. 
Evidently they conveniently decided to take out the auto draft after I submitted the manual payment on the XXXX. They took out the auto pay on the XXXX instead of the XXXX. This reaulted in overdraft charges amounting to well over {$100.00} on my personal banks end, because that payment got rejected a NSF fee charged, so my account was less than it was supposed to be, so additional payments became NSFd it was a cluster XXXX. 
I ended up switching banks, updated the auto pay, apparently there is a rule where you have to update your auto pay 5 business days in advance for the payment to come out of the new account for the current month so for XXXX payment, they were still gon na take it out of my old account and I had to call and ask for a supervisor to manually override this as a one time courtesy? 
Then in XXXX I did switch banks again and try to update the auto pay, again and it said that it wasnt going to take anything out until XXXX?????? So I had to call AGAIN for that to Be corrected. 
I finally said XXXX their payment system, and switched to having my banks ( XXXX  ) bill pay pay the bill. I set it up because I am paid Bi-Weekly, to take out half the mortgage payment every two weeks. I did it so on my last paycheck for XXXX it sent half the payment to them, and then my 1st paycheck XXXX it sent the other half, this way I would not be past due in any capacity. I received an automated call from them TODAY, and I was like XXXX what NOW. 
I called them and APPARENTLY the system doesnt recognize or allow partial payments, so the {$370.00} paid on the end of XXXX, went into a sub account as a suspense and then the {$370.00} for XXXX they applied towards the principle minus a {$10.00} fee for having a suspense balance????? 
So they had to manually submit a request to appropriately apply the payments, and submit an additional request to have the account coded to accept bi-weekly payments. 
Any institution Ive ever made a partial payment to takes the partial payment and applies towards what is currently due leaving whats left over to still be paid by the due date. This is asinine and its clear they have their systems set up in a way to make it difficult for consumers to EASILY make payments and To promote their banks additional fees levied for not paying on time or what have you. I hope to XXXX  I can refinance to a different mortgage company soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

In fact they ARE NOT even in compliance with metro 2 credit reporting. I do have evidence to prove and bring forward to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried going online to Experian to get my free credit report. I sifted through the endless garbage trying to sell me everything to find the free credit report tab down at the bottom. I clicked the tab which took me to a member login page. I tried to set up a membership ( presumably to get my free report ). Experian website then said I already had a membership and if I was having trouble signing in then go back to the main page and click " sign in '' at the top and then click " need help signing in ''. There is no such tab and no help - just an endless loop of kicking me back to the sign in page. I know this is a tech thing but what the heck do I do???? They have no way to reach them. 

I then tried calling the customer service phone number they provided during their stated business hours. I called about a dozen times trying to get a human being on the line and the system absolutely would not allow me through to anyone, at any time, for any reason, no matter what button I hit. I tried for hours. 

So ... ..I went online and found a different customer service number for experian that said you could get a live person .... and no ... .it 's the same endless loop. 

All I want is my free credit report. They have made it IMPOSSIBLE FOR ME TO EXERCISE MY RIGHTS TO HAVE ACCESS TO MY CREDIT REPORT AS A CONSUMER. 

And I'm sure they are going to reply to my complaint with a customer service number that goes absolutely nowhere and/or a p.o. box I can mail a letter to and pretend that actually works. In the meantime I still can't get a credit report.
Product: Checking or savings account

The pastor who works with kids in bad neighborhoods and sometimes they think my card with Chime theres a free ticket to fun. I have had to replace several cards. Although I have filed my share of disputes legitimate ones Chime has never signed it on my side ever. Their investigation is boilerplate and lacks any sort of substance? I for a long time has battled them and I think and received one temporary credit. Thats neither here nor there whats upsetting is the fact that I filed a dispute Subsequently closed my account for it. Chime guarantees protection under the XXXX symbol and should be sued for the same reason XXXX XXXX XXXX is currently being sued which is touting that XXXX symbol and pretending like theyre a bank only they dont honor the commitment of a bank to protect you 24 seven against fraudulent charges disclosure my account has not gotten in the way of the receipt of the IRS refund my family and I so deserve and I dont think the Chime should be in business anymore and all Ive put nearly {$40000.00} into that bank in the past three months and theyre not very grateful for it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous accounts showing that I have late payments that have fallen under Sallie Mae all in and around XX/XX/XXXX through when the name change to Navinet XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. Sallie Mae is listed 9 times 1. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. Sallie Mae opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3. Sallie Mae opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. Sallie Mae opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. Sallie Mae opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. Sallie Mae opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. Sallie Mae opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX /XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to Navinet and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
Product: Checking or savings account

I opened BBVA checking & savings accounts on XX/XX/2021. The BBVA XXXX XXXX new account offer was {$200.00} for checking account and {$50.00} for savings account. 

I met the requirement of " Add qualifying savings account betweenXX/XX/XXXX. Have a balance of {$1000.00} or more on XX/XX/2021 '' but did not receive {$50.00} bonus for the savings account. 

I contacted BBVA customer service and was told the bonus should be posted 90 days after account opening and no further details was provided. My account has been open for 90 days.
Product: Checking or savings account

This complaint concerns Bank of America 's unwillingness to compensate according to their " deposit and disclosures " agreement for debit card fraud of approx. {$XXXX}. 
I deactivated the card on XX/XX/XXXX of this year, and the only correspondence i've received from the bank are notices of the case being opened and closed. I've informed the bank that my attorney requires supporting documents, but I have to keep reordering them as they never arrive. Please note supporting documents to include police report, bank closure notices, and my original letter to Bank of America. 
I haven't enclosed the letter from myself to the law offices of XXXX XXXX  XXXX XXXX  XXXX, XXXXIn that letter I raised the question of how could I be in California and Noth Carolina at the same time as the charges are of that nature..
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

XXXX : XXXX XXXX XXXXXXXX XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : {$510.00} - late/closed XXXX OF XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Collection Equifax XXXX Account Number XXXX XXXX Open : XX/XX/XXXX Balance : {$510.00} - late/closed XXXX XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Collection XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$510.00} - Late/Closed XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Charged Off XXXXXXXX XXXX XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : {$80.00} - Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit report pulled by a bank because I am in the process of purchasing a home. On my credit report, XXXX XXXX shows a student loan from XXXX XXXX University ( where I attended ) for {$2000.00} that caught my attention because I had never seen it before and have been paying on my student loans since XXXX. The credit report stated this loan has not been updated in XXXX XXXX 's system since XX/XX/XXXX. I contacted XXXX XXXX University and XXXX XXXX ( which is the loan provider XXXX XXXX uses ) and they could not find this loan anywhere in their system. After 50+ phone calls to XXXX XXXX and XXXX XXXX from XXXX, XXXX concluded that this portion of the loan was never updated to XXXX XXXX from UAS XXXX, which is the loan provider XXXX XXXX used until XX/XX/XXXX. I attended XXXX XXXX University from XXXX XXXX XX/XX/XXXX. In XXXX of XXXX, XXXX XXXX university transferred all of the student loan accounts from UAS to XXXX XXXX. On my credit report from XXXX, it is showing I still owe UAS that loan amount because XXXX has not gotten any updated loan information from UAS XXXX about my account since XX/XX/XXXX. So, it is still showing on my credit report that I have a balance with UAS XXXX of {$2000.00}. XXXX informed me the only way this can be changed is if UAS XXXX sends them an updated report showing that this account no longer exists or has been transferred/paid off. I called UAS XXXX 3 times on XX/XX/XXXX and they informed me they can not help because they can not find my loan account ( because it was transferred to XXXX XXXX ). They are unwilling to help me and I do not know where else to turn. I can confirm this loan amount was with UAS XXXX because all of their loan accounts start with the same 3 numbers, and the account number that is on the attached document match. I need this removed from my credit report because it is no longer valid, and no one will help me. The attached file is information of the account balance I am referring to. I tried to file a dispute with XXXX XXXX and this was the result. XXXX XXXX reached out to the contact information provided, but it is the contact information for XXXX XXXX, not UAS XXXX.