23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently And making previous attempts to try to fix the issues directly with them they are violating my rights and I am entitled to {$1000.00} for each violation I listed.So they can delete this account ASAP or Pay me
Product: Credit reporting

Repeatedly called TransUnion to cancel my credit monitoring service with them ( {$17.00} monthly ). The first representative went on for 10 minutes about other products and became argumentative when I declined even the 'free continuation ' ( which XXXX **still** requires further cancellation later or it becomes a {$9.00} monthly charge ). I asked her to just process the cancellation, at which point she started rattling off facts about different products again. 

I eventually hung up and dialed again. The second representative hung up on me as soon as I mentioned cancellation. 

I eventually canceled online. This requires the following navigation : after logging in, click on 'frequently asked questions ' near the bottom of the page ; then go to the 'payment ' category, then 'How can I cancel my membership? ' This recommends calling, but also has a small link ( again, near the bottom ). After that, click to confirm three more times (! ). 

This process is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete 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: Consumer Loan

My car was totaled on XXXX XXXX, 2014. I was hit from behind by a girl who was probably texting. My Insurance company took possession of my totaled car immediately and paid me off on XXXX XXXX saying, in writing, that as part of the settlement they were also paying off the balance of my car at Wells Fargo Dealer Services. Apparently there had been some change in the payoff when they sent the check and Wells Fargo sent it back to them. They did not pay off my car on time and I actually had to make another 2 payments on the car, which they reimbursed me for. A manager at Wells Fargo Dealer Services named XXXX assured me, XXXX XXXX and my attorney in a conference call that he would have the bureau corrected and it still has not been done. This month marks the 1 year point since I was hit and next month will be 1 year since they put this ding on my credit, reducing my score from XXXX to XXXX. I now need to buy another car for my family and am going to have to deal with the interest rates afforded for a much lower score than mine should be, due to no fault of my own.
Product: Checking or savings account

Zions Bank processed checks and deposits written against my account. The XX/XX/year> transactions show they deducted {$2400.00} for check XXXX XXXXXXXX and {$1400.00} for check XXXX XXXXXXXX. The visual of these transactions shows the real check XXXX XXXXXXXX for {$2400.00} and the other is XXXX checks stuck together my check on top of a check from XXXX XXXX for {$1400.00}. Zions Bank Customer Service on the phone Saturday, XX/XX/XXXX, said they had never seen this before and that the bank had made a mistake. The {$1400.00} was deducted from my account in error and would be reversed ; but I had to go the branch in person to request this reversal. Monday, XX/XX/XXXX, I went to the Branch and spoke with a teller and the Branch XXXX of the Zions Bank XXXX XXXX XXXX in XXXX XXXX XXXX They also said they had never seen this and assured me the {$1400.00} would be deposited into my account reversing this error. They said it would take a day or XXXX. It is now, XX/XX/XXXX and the money has not returned to my account. It is Zions Bank error entirely!
Product: Credit card or prepaid card

This is about chime bank they suspended my account on XX/XX/2020 which has all my funds my personal paycheck from my second job as well as my sba loan for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have contacted them multiple times sent in every document they have asked for and they give me the run around and won't release my funds they keep saying 24 hours 24 hours it will be taking care of nothing happens and this has affected my XXXX and my life during this pandemic I had to stop my XXXX because of this I can issue needed refunds or pay my bills
Product: Prepaid card

On XX/XX/year>, paid {$750.00} to for a {$750.00} amex e-giftcard on the official amexgiftcard.com site. However, after getting the card, it is virtually impossible to use it anywhere. Unable to add it to any virtual wallet such as XXXX XXXX, XXXX, XXXX. Then I tried using it to pay for DMV fee, XXXX super charging, online shopping XXXX, and electricity bill. All were declined for now reason. Basically this is unusable and when calling the customer service, there was no help besides telling me to try more merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX mailed my Goodwill Letter to Kohl 's Department Store on XXXX and never received a reply. Then I submitted a complaint through XXXX on XXXX and never received a reply from Kohl 's. My Goodwill Letter request was for Kohl 's to remove the late payment history or at least add my reason as to why I had late payments on my credit report and that not one late payment was intentional. I have attached my son 's admit and discharge date paperwork from XXXX 's XXXX XXXX XXXX, my Goodwill Letter to Kohl 's Department Store, and an image of my XXXX complaint. 
I am requesting that at least the reason why my payments were late was due to forgetfulness due to my son 's XXXX Infusion and recovery if Kohl 's will not remove my late payments from my credit report. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX Home Phone XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I forward a complaint on XX/XX/XXXX, file # XXXX with XXXX  with regards to a charged off account with XXXX XXXX XXXX XXXX XXXX. I closed my account on XX/XX/XXXX w /  XXXX XXXX XXXX because after they negated to replaced my defective sofa bed after they stated they would. XXXX XXXX   XXXX purposelessly kept my account active past the 180 days through 515 days before the account was finally charged off on XX/XX/XXXX. XXXX XXXX  XXXX erroneously have me making a payment on XX/XX/XXXX, 5 years after authorizing my account to be closed and advising them that no payments would be made, because of their refusal to replaced a defective purchased sofa bed. They willfully kept the account active and changed the date the account was supposed be removed removed my credit report from XX/XX/XXXX to XX/XX/XXXX. XXXX  was completely incompetent in conducting thorough investigation. The inaccurate information given by XXXX XXXX  XXXX is what XXXX updated without any further inquiries. I sincerely would appreciated if the CFPB would seriously investigate this matter completely mishandled and overlooked by XXXX. 
On XX/XX/XXXX my original complaint # XXXX - XXXX regarding my account # XXXX with XXXX XXXX XXXX was received by CFPB. On XX/XX/XXXX XXXX XXXX XXXX resolved my complaint by removing the account from my XXXX  report, but unfortunately the account currently remains active on both XXXX   and Experian reports. A dispute was initiated with Experian / Report # XXXX on XX/XX/XXXX and with XXXX  requesting the removal of my XXXX XXXX XXXX account from the credit report after advising them XXXX  deleted the account from my credit report, Experian and XXXX continues to overlooked my complaint without further inquiring with XXXX XXXX XXXX to confirmed the removal of my account with XXXX  on XX/XX/XXXX. 
I kindly request the CFPB to further investigate my complaint and as to why Experian and XXXX continued to have my XXXX XXXX XXXX closed account on filed without any legal reason to do so. Respectfully, Mr . XXXX XXXX
Product: Credit reporting

I am a victim of identity theft. I found out after the XXXX data breach and took steps to correct this. I included the following letter, with all the required information ( Theft Report, Affidavit, Credit reports reflecting wrong information, Identification documents, requests to block the information and applicable Federal and State Statutes ) and the Credit reporting companies listed above still did not block the information. Below is a copy of what I sent the respective credit reporting agencies ( XXXX and Equifax ) The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. Here are the protections I am seeking. 
Blocking Bad Credit Information from Credit ReportsThe law ( Revised Code of Washington 19.182.160 ) also provides a civil remedy for consumers. Under the law, a victim of identity theft can block any adverse credit reports resulting from the crime by filing the police report of the crime with the credit-reporting agency and supplying the agency with other proof of identification similar to those above. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 
The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information. 
I have enclosed a copy of my Identity Theft Report/Police Report with case number and proof of my identity. I appreciate your prompt attention to this matter. Please send me a letter after you have blocked the information from my credit report.
Product: Student loan

I received a letter and payment coupons from Navient in reference to student loans for the first time this month. I never heard of the company and never had any contact with them prior ( had to research the company ). They stated I had a loan disbursement dated XXXX/XXXX/XXXX ( see the attached document ). I am not sure how that is possible because I did not apply for a loan in XX/XX/XXXX. There was no letter advising on the history of the loan ( how it originated and with whom ). I can not validate this is my loan but I am expected to start payments XXXX/XXXX/XXXX. This is not acceptable. Also the amount expected to be paid is too high and I can not afford it since I recently came out of Bankruptcy.
Product: Debt collection

Credit Collection Services is reporting a collections account on my consumer report. I do NOT know who this company is. I have NEVER done business with this company. Nor, have I EVER signed a contract with this company for anything. I also never gave permission verbally or in writing to anyone to pass my information to this 3rd party that I never heard of.
Product: Mortgage

Through my BOA mortgage I pay my taxes and insurance through escrow. For some reason there is always a delay with the escrow account not paying my homeowners insurance policy with XXXX XXXX and I would like to have it addressed especially since I received a letter from the insurance company saying that they will terminate my policy by XX/XX/2020 if they do not receive payment soon. I received a similar letter from BOA dated XX/XX/2020. I received this letter on XX/XX/2020. The instructions on the letter states that I should upload my current policy to ihaveinsurance.com/bankofamerica and the loan number which was done. I think the issue stems from my property have different addresses listed with the postal service and township. The address listed with the township is ... 

XXXX XXXX XXXX XXXX PA XXXX and the address with the postal service is XXXX XXXX XXXX XXXX PA XXXX These two addresses are for the same property and is listed as such on the letter I received from BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : TransUnion : XXXX XXXX Balance : {XXXX} XXXX : XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {XXXX}
Product: Student loan

I looked at my credit report today ( XX/XX/18 ) after I got an alert from one of my credit score monitoring tools and noticed I had all my MOHELA student loans listed twice I immediately called MOHELA and they said that there was a system issue and that there was nothing they could do then and there was also no timeline to resolution. 

This is impacting my credit score and needs resolved, and I believe is also violating the FCRA.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Eastern Account system XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. 

Please provide the following information as validation : 1. **Proof of the Original Contract** : A copy of the original signed contract or agreement that bears my wet ink signature, showing that I entered into an agreement with Eastern Account system. Without this, I have no legal obligation to recognize this debt. 

2. **Verification of the Amount Owed** : An itemized accounting of the amount claimed, including any interest, fees, or other charges applied to the original amount. 

3. **Proof of Authority** : If you are not the original creditor, provide documentation showing your authority to collect on this alleged debt, including any chain of title or transfer of ownership. 

4. **Verification of Identity and Address** : Confirm that you are attempting to collect from the correct individual by providing information verifying my identity as associated with this debt. 

Please be advised that until you provide the requested documentation, you must cease all collection activities, including reporting this debt to any credit reporting agencies. Any attempt to collect or report this debt without proper validation may be considered a violation of the FDCPA and could subject your organization to legal action. 

I request that you respond to this request within 30 days of receipt. If you can not validate the debt as outlined above, I expect this matter to be closed and any negative marks on my credit report removed. 

Thank you for your prompt attention to this matter. 

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

I have written several disputes to the credit bureaus and each time it comes back as verified accurate. 
All 3 bureaus are reporting a different Date Last Active. 

Transunion reports XXXX XXXX  reports XXXX XXXX  reports XXXX This is in Violation, needs to be removed asap
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX this XXXX is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple credit cards and not paid. These accounts all are not mine.Capital one has not resolved the issues yet
Product: Debt collection

I got a credit card from the XXXX and XXXX XXXX XXXX and was unable to make payments. Now they are garnishing my social security XXXX income for apx $ XXXX. Had I known that they could do this, I would have made payments. Also, I do n't recall ever receiving any disclosures stating that should I not be able to make payments, they could and would garnish my XXXX income.
Product: Debt collection

XX/XX/2020 XXXX Optima recovery services llc I just got a letter in the mail today stating Are you going to pay this obligation? 

" We have been trying to communicate with you concerning your past-due balance. So far the communication appears to be going only one way. If you continue to ignore us we will assume that it is not your intention to pay this debt. And we will take further activity against you. 

Waiting does not benefit either of us. Contact us immediately to arrange repayment of your debt. 

Okay first of all I never even heard of Optima recovery services LLC first time I've heard anything of them and if they dont leave me alone I'll take " further activity '' against them. And I have called XXXX XXXX XXXX to settle my debt and they said they'd get back to me and they never did. I will not be harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the lender XXXX XXXX XXXX  in XXXX to purchase a vehicle. The vehicle was voluntarily repossessed in XX/XX/XXXX. The origination amount was {$11000.00}, remaining was, {$9200.00}. XXXX XXXX took possession of the car at the time and changed the account to a repo. Months later they then changed the account to collections. As a repo they must provide documentation of the auction value and the remain balance. They did not, but they did not. it remained as a collection from XX/XX/XXXX to XX/XX/XXXX. At no time providing the correct documents for this change. 

In XXXX of XXXX XXXX XXXX illegally change the account type once more from collection to open. And has remained in this type. This is reflected on all three major bureaus, XXXX, Equifax, and XXXX. And also on some of the other like XXXX XXXX. This is 100 % not accurate and completely fraudulent. I have sent letter XXXX, XXXX, XXXX and have called in XXXX and XXXX of XXXX. In challenging this all 3 bureaus have allowed this to stand even after I have requested proof multiple times. The response is " this company has verified the account ''. They sent me zero documents to substantiate it is the right information ; zero documents proving it is an open account ; zero documents showing the repo information. 

The account itself is not accurate, it is illegally reopened. The amount being reported is no {$14000.00}. The personal information is not correct as I have sent updated info to the bureaus and XXXX XXXX. For every incorrect and inaccurate reporting. Under the laws of Arizona, UCC Article 6 47-9601-47-9628, most notable 47-9623 and 9625, and State RISA and MIVSA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. this company has not done any of this.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX LA XXXX, CA XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX  {$410.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been calling them and they would not help me at all I am a victim of a inquiry issue all of the inquiry on my credit report are not mines I dont apply for nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian to report that XXXXXXXX loan  was paid in full back on XX/XX/2022. Experian supposedly contacted XXXX that said the account balance was correct and the loan was not paid off. I received a letter from Experian stating this on XX/XX/2022 ( See Attached ). I have also attached documentation that the XXXXXXXX loan  is paid in full ( See Attached ). I'm not sure if Experian really looked into this dispute, since if they did, then why would XXXX  state that this loan had a balance because according to their own computer information this loan was paid in full on XX/XX/2022. Please see attached documentation.
Product: Credit reporting or other personal consumer reports

XXXXI am not liable for tis debt of XXXX with XXXX XXXX XXXX, account number XXXX. I do not have a contract with XXXX XXXX XXXX They did not provide me with the original contract that has my wet signature, and ID verification. This is a violation of my rights. and per us code 1692g ( b ), it needs to be verified, and accurate to be reported on my credit file.
Product: Credit card or prepaid card

Hi Sir/Mam, Good Morning.

I have 2 Credit Card accounts with Capital One. 
I had lodged a complaint about the practices of Capital One which was sent to the company on XX/XX/2023. 
This is the previous complaint -> XXXX. 
The company responed on XX/XX/2023 RESPONSE TYPE Closed with monetary relief Company 's Response Please see the attached response. 
MONETARY RELIEF AMOUNT {$25.00} Relief will be paid to my Credit card account in XXXX Statement. 
I left a feedback for that complaint saying the company did not keep up their promise and instead when I called customer service about it they were not willing to look into the reason they company was avoiding what they promised. 

Today is already XX/XX/XXXX and I do not see the promised amount refund. 
Please look into this matter as well asap. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute regarding legal first and middle name change due to XXXX XXXX on XX/XX/2021 with Equifax via fax and later online. Across 7 attempts to properly provide the required documents I have been declined 5 times. I did at one point receive a confirmation of a successful change, but credit report shows that to not be true. I have one outstanding investigation to be completed by XX/XX/2021 and an agent confirmed the dispute had all required information and should be done quickly, but no progress after 3 weeks. I was informed there is no escalation available to me, I simply had to try again, and can not speak to the investigating agents.