23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

FCRA Vilolations not mine notmy XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Account charged off/Never late. {$4300.00} written off. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4200.00} Status Account charged off/Never late. {$5500.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$5800.00} written off. 
not my morgage XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type FHA Mortgage ws never late DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Open. 
DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6700.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$4000.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$9500.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$580.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6900.00} Status Open. 
not my addreses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX 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 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 not my inquiries XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today, I discovered inaccurate accounts on my credit report, and I have no idea why they are there. I regularly check my report, and everything was fine before, but now there are inconsistencies. I even refreshed my browser to rule out a system error, yet the incorrect information stayed. Given this, I ask that my submitted documents be carefully reviewed so I can stop worrying about this issue.
Product: Mortgage

SPS servicing has delayed insurance funds to repair my home and refuses to give me interest on my money, over {$150000.00} as they collect interest on it and also charges me interest on my mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid an agreed settlement of XXXX on XXXX with I.Q. DATA INTERNATIONAL, INC XXXXXXXX XXXX  XXXX XXXX WA XXXX ( XXXX ) XXXX They have not mailed or emailed me a receipt for this and have not reported the settlement to the credit bureaus. This collection company 's ' representatives ' has continued to state there will be a balance showing on my account and continued reporting to the credit bureaus I am delinquent. I have many times tried to work out a settlement with them which they have refused. I received a letter in the mail XX/XX/2021 giving me an option for settlement which I paid. IQ Data has not held up their end of showing the account settled. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in XXXX therefore I put the loans I have with XXXX XXXX in forbearance. I received an alert notifying XXXX XXXX is reporting my accounts delinquent When I contacted XXXX XXXX they assured it was a mistake and that the information would be corrected and updated. While I have seen the account has been updated with XXXX it is still reporting on the other credit bureaus as late/delinquent which is harming my credit tramendously.
Product: Debt collection

In XX/XX/XXXX I moved into the XXXX XXXX XXXX and prior to closing or anytime thereafter I was not provided with a copy of my HOA guidelines. Nor I have I signed any guidelines in agreement with my HOA. Per Virginia state Real Estate law, the seller is responsible for providing a copy of the HOA bylaws prior to closing and they must be signed. If not, the sales transaction can be deemed as unlawful. 

In late XX/XX/XXXX, I received a notice indicating that my HOA dues were past due. I immediately sent a payment on XX/XX/XXXX for an amount of {$260.00}. As of today, XX/XX/XXXX, I received a letter from an attorney 's office of XXXX, XXXX and XXXX requesting a total amount of {$2600.00} ( {$2000.00} pro-rated HOA dues, {$520.00} attorney fees and an interest rate of 18 % ). I was advised that as part of the HOA bylaws the pro-rated amount for HOA dues can be requested. At no prior point was I made or aware or agreed to those terms as I never received a copy of my HOA by-laws which would detail this information. 

As a result, I do not think the terms of this collection notice is legal, and I would like this investigated.
Product: Debt collection

I have been receiving repeated and unwanted telephone calls from representatives of Synchrony BankXXXX regarding an account that I have never owned or been associated with. These calls have become a source of harassment and inconvenience, and I am not the debtor in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX. I've dealt with one of their employee named XXXX XXXX, they all claimed they were also owners in XXXX. They also enticed us saying we're making a good financial investment, and that we can even have it passed down to our children. They promised we would definitely save money on vacations and that benefits are simply just like owning a second home. Moreover, they said we can actually earn or make money from the timeshare by renting to others like for a week if we're not using it or if we let someone else use it for their vacation. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They offered gifts such as lunch/dinner, a return stay, money for casino, tablet etc. We were never made aware of all the fees involved. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. I inquired to them several times about cancellation via phone but never received any help from them. We experienced financial difficulty caused by this timeshare, I am paying for something I can never use when I want which was different from what they've promised us, they just lied to us, plus there is a fee for everything. Having this timeshare just gave us hardships and problems caused by this even made us lose sleep and its just extremely stressful for us. We had the worst experience with this timeshare, the pressure of thinking it was such a great idea to get into ; including saving money on vacations which we have yet to do. We were simply defrauded, lied to and taken advantage of. The worst is all the fees, there is basically a fee for every transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of Identity Theft back in 2016. An account was opened under my name, XXXX, and XXXX with XXXX XXXX XXXX I tried to resolve this fraudulent account by submitting an Identity Theft Report with the 3 Credit Bureaus. This account was eventually deleted off my Credit Report, but resurfaced 5 months ago. I have been pushing XXXX  XXXX XXXX to delete this account, but they keep arguing that no account exists under my name, however, they keep reporting an account under my Social Security Number. In addition, they have submitted a letter to me stating in writing, as quoted In addition, we couldnt identify an account in your name ending in XXXX. This account is the account that continues to be reported to my Social Security Number. I have submitted additional information to them, but continue to receive the same response.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with [ XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with [ XXXXXXXX XXXX XXXX XXXX  despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX XXXX XXXX account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected. 

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my credit score and jeopardized my financial well-being. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and [ XXXX XXXX XXXX XXXX. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/4 XXXX ( venmo user XXXX XXXX ) sent venmo user XXXX XXXX {$360.00}. She then immediately sent it back to me 1 minute later. Venmo stated that I owe {$360.00}, however no matter what that transaction should have ended with the same amount of money in both accounts. I have attached screenshots of my venmo app and my bank statements.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$470000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$470000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$470000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX wrongly switched this account into my name after I purchased a house. This bill is from before XX/XX/XXXX and we moved in XX/XX/XXXX. This is not and has never been my bill. I've attempted to speak with both XXXX and the collection agency and they refused to provide proof this is my bill. Furthermore I've attempted to dispute this with credit bureaus and the agency declined my dispute. Further if this was mine it would be from XX/XX/XXXX and XXXX XXXX reaged the account to show it delinquent as of XX/XX/XXXX ... I did not have a XXXX account in XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Seedfi is currently holding my deposit of {$2500.00} after paying off a loan with them. Loan was paid off XXXX and I have made multiple inquiries and get the same standard response that they are waiting for confirmation of loan being paid off.
Product: Debt collection

XXXX XXXX XXXX  Original creditor FRONTIER XXXX XXXX XXXX  my credit in XX/XX/year> from what I can remember. I have never owned cable or internet services before.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Bankruptcy XXXX XXXX reference XXXX.
Product: Mortgage

My LLC called XXXX XXXX, XXXX filed bankruptcy, signed a Stipulation with Chase, and successfully got out of BK, on XXXX XXXX, 2014. Chase refuses to follow the orders of the XXXX Court. They refuse to honor the split or bifurcation of the loan in XXXX parts, a secured part and an unsecured part. Because the unsecured part had a Court approved dividend of 2 %, which is very low, Chase made a fraudulent XXXX stating that they cancelled the unsecured portion of the loan. They are defrauding the IRS with this false " credit '' for their tax return, and defrauding me by stating that I have to pay Income taxes on the so-called Cancellation. XXXX XXXX XXXX. E-mail : XXXXXXXXXXXX. My mailing address is XXXX. XXXX XXXX. XXXX XXXX, CA XXXX Chase Loan number XXXX Property address ( but not mailing address ) XXXX XXXX XXXX. XXXX XXXX, CA XXXX ( Loan has supposedly been sold to XXXX, but is still serviced by Chase ).
Product: Credit reporting or other personal consumer reports

XXXX Hard inquiries 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 This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
Product: Credit card or prepaid card

Good day, I sent the payment of {$700.00} through online bill pay from XXXXXXXX XXXX and the payment was sent on XX/XX/XXXX to American Express. However ; the problem was the card number in online bill pay setting was the account number XXXX that was closed ( formerly owned by XXXX american express, which transferred to XXXX in XXXX ). I didn't mean to pay to that account but since i set up online bill pay years ago, in my mind, i thought i was paying to my current american express account which is XXXX American Express said call XXXX, and XXXX said call american express. XXXX said since 2 years ago, they can no longer check former american express XXXX accounts. American Express said they can no longer check any XXXX account formerly by American express. In early XXXX, I went to the XXXX bank, i spoke with many different representatives from both American Express and XXXX XXXX XXXX including supervisors, and opened disputes. All disputes were closed without any resolution. Both financial institutions pointing at each other to contact. Then I spoke with American express dispute department the person name XXXX XXXX, he said he saw the payment came through XX/XX/XXXX at XXXXXXXX XXXX but since the account credited was closed, he can not touch it. He opened the dispute for me. He was very helpful ; however, i got the letter dated XX/XX/XXXX stated it will return to originator. So, i asked a representative and XXXX name XXXX if this will return to me. They both said yes, it will return to my bank. On XX/XX/XXXX, I sent a copy of the letter from american express stating the payment of {$700.00} will be returned to originator and if they received any return payment. They responded stating no. So, i called american express again and one representative was very impatient with me stating i have to have my financial institution ( XXXXXXXX XXXX ) send in writing to return the payment. Another representative said i have to contact XXXX XXXX I am being circled around and meawhile {$700.00} is lost and XXXXXXXX XXXX can not retract it, can not recall payment, American Express can not and stating call XXXX and XXXX said call American Express. I would like to get assistance to get my money back please. The case is not complicated but confusing. Please let me know if you have any questions, i may be able to explain better. I have been frustrated mentally. Please help me.
Product: Checking or savings account

On   XXXX    XXXX , 2017 about   XXXX   XXXX  . I went to deposit cash in the PNC ATM ( they do not use envelopes for cash deposits ). I deposit {$65.00}, it kept spitting out a {$20.00} bill, and It ate it and said to contact financial institution, no recept for the deposit of {$20.00}. This is the 2nd time this has happened in approx 3 weeks!!!!!!!!!!! Last time it was at a different atm.
This was at   XXXX   XXXX   XXXX  , in  XXXX , PA.
I called PNC, they FLAT OUT REFUSED TO CREDIT MY ACCOUNT OF {$20.00}!!
I SAID I HAVE OUTSTANDING CHECKS OUT, AND THEY CAN BOUNCE. THEY ABSOLUTELY REFUSED TO EMAIL ME IN WRITING THAT IF A CHECK COMES THROUGH AND BOUNCES THAT THEY WILL NOT CHARGE ME A FEE. HOW CAN NOT EMAIL ME THAT STATEMENT IN WRITING?????????????????
i AM GOING TO LOOK INTO A LAW SUIT FOR THIS ONE, THIS IS SERIOUS!
yOU CAN NOT TRUST THEIR ATMS TO DEPOSIT CASH AT ALL. THEY USED TO HAVE ENVELOPES IN WHICH YOU WROTE YOUR NAME AND ACCOUNT NUMBER ALONG WITH THE DEPOSIT AMOUNT, THIS ABSOLUTELY CAN NOT CONTINUE.
THEY SHOUD BE SEVERLY FINED FOR THIS TOTAL NEGLIGENCE. THEY NEED TO HAVE ATMS THAT TAKE ENVELOPES FOR CASH DEPOSIT!
Product: Student loan

I had   XXXX   XXXX   in college, from   XXXX   XXXX  - XXXX from   XXXX   XXXX   university, then   XXXX   took over after some other company tried to help me with payments, forbearance etc then another company fedloan, took over I have been making payments to two different programs, my debt was over 80k, I dont understand what to, I was paying this company and then everything stopped in  XXXX , it was forgiveness program, I have been in the education field for over 12 years.then I see my credit score keep going down some I 'm default, I do t understand, when I call the business I 'm getting nothing, I even emailed and tried to go on the page and it no longer exist. I 'm not sure what 's going on but the whole   XXXX   XXXX  ,   XXXX    situation has been handled all wrong. I have ALL THE EMAils and COMMUNICATION with the COMPANY. I have been trying to contact the company since  XXXX - XXXX . Please help me
Product: Credit card or prepaid card

In XXXX of XXXX  I paid my annual fee of {$99.00} for the Alliant XXXX XXXX credit card. In XXXX of XXXX I was notified of significant benefit changes to the card that will be implemented later in XXXX. These changes result in either a significant benefit erosion or a requirement for me to obtain additional products and move money into an Alliant checking account. I contacted Alliant several times regarding this issue requesting a refund of my annual fee due to the changes. Alliant refuses to even respond to my complaints requesting an annual fee refund, simply stating that if they agree to refund me the annual fee that I'll see a refund. 

The changes are detailed here :
Product: Debt collection

Valor Intelligent constantly is calling my phone number, that I am owing already for 7 years. They are trying to collect dept that is not mine. They are asking for XXXX, but there is no any XXXX under my number. My name is XXXX XXXX. I do not want to change my phone number because of lots of my business and clients tied up to my number. Changing it it would be mess for everyone. I told Valor Intelligent several times that there is no XXXX under this number, but they are still trying to calling me. I just want Valor Intelligent leaving me alone and stop calling me 1000 times a day.