23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was approved for XXXX XXXX discharge on XXXX XXXX. I was told in the approval that I could consolidate the loans to direct loans which I did on XXXX XXXX in order to receive discharge of my direct loans. I requested to change the servicer of the loans from XXXX to Mohela on XXXX XXXX. By XXXX XXXX my loans were paid off with XXXX and changed over to Mohela, however, neither XXXX or MOHELA have applied my loan discharge that I was approved for despite the Borrower of XXXX stating for months that they sent the servicer proof of my loan discharge approval. I even filed a complaint with the XXXX and sent proof of my approval to both XXXX and MOHELA.
Product: Debt collection

I received notice of a collection account added to my credit report in XXXX of XXXX. 
I looked at my credit report to see what it was, as I had not received any notice prior to this. The report was from National Credit Adjusters in the amount of {$340.00}. There had not been any contact via telephone, or written notice prior to this. The original creditor is listed as XXXX XXXX XXXX XXXX XXXX. 

I immediately asked for a debt validation from the company. What I received was a bill from XXXX XXXX XXXX. This does not match the listed original creditor. 

I also do not believe this to be a validation of National Credit Adjusters having the legal ability to collect this debt. They provided no proof or documention that they have legal authorization to collect this debt or that the ability to collect has been transferred to NCA from XXXX XXXX. There has been no document with my ( the alleged debtor ) signature or contract with XXXX XXXX. 

On my credit report, where TXXXX XXXX is listed, it states that the debt has been sold to XXXX XXXX XXXX, so I do not now how or why National Credit Adjusters has reported on my credit reports. 

In XXXX of XXXX, I sent another request for validation and again received the copy of a bill from XXXX XXXX On XX/XX/XXXX, which leads me to believe they are not able to show that they are legally authorized to collect on this.
Product: Credit reporting or other personal consumer reports

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report, and I am verifying that these NEGATIVE accounts are not mines.

Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these Negative accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S Code 6802- I have the right to opt out of any information shared to a financial institution directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.
Product: Credit reporting

I recently pulled a free credit report from freecreditscore.com. It outlined some erroneous information was previously deleted from my consumer report. It is the same game that that these credit bureaus continue to play. It is fraud and some one needs to actually stop them dead in there tracks! It has a very negative effect on my score and personal life and future endeavors. They continue to sell the derivatives over and over, which effects the sovereignty of the people of this nation and have no honor or accountability in dong so!
Product: Checking or savings account

I opened an account with us bank on XX/XX/23 by putting {$250.00} in account ending in XXXX. On XXXX. XXXX. XXXX. They decided to close my account. They never sent me anything in the mail or email. I found it out by going to buy a coffee and my card got declined. I then called customer service. The lady was not able to give me a specific reason on why they closed the account. I will be uploading some documents so you can see the funds in this account and the dates and all the transactions. I made multiple calls to customer service to find out what is going on. I was told it takes up to 30 days to close the account and then they'll issue a check in the mail. I never received a check in the mail for the remaining balance in account ending in XXXX. After that I called customer service again. I was told it was in a safety deposit box at the branch. Then I was told there is no money at all. I have had the runaround. Let me tell you. I went and talked to branch manager at the XXXX XXXX location on XXXX XXXX. He told me that account was closed due to third party checks which I don't see what the problem is as they were countersigned and on the back of them it says pay to the order of me. I banks with XXXX XXXX for 15 years and my son countersigned many checks over to me. Now the checks that were put in the ATM we never got back the originals they sent us these numb negotiable checks which say they are a legal copy and any bank institution will accept them. That is not true. I have been to many institutions and they said to contact the issuer. The bank manager told me give me 3 days and I will issue you a check from the branch. I gave him a lot more than 3 days then he was dodging my call so I had to go there in person and then he told me. Oh I'm waiting to hear back from them. He was very disrespectful. Smirking smiling. It's not funny. It's not like a couple XXXX dollars here. We're talking XXXX I have never been behind on my mortgage and I am behind one month. I have just sold my truck to catch up. I have never been treated like this by a bank. I can't believe the manager thinks this is just no big deal. Oh I understand. He says there's no way he understands. I keep asking him for a time frame and he says he doesn't know. This is not the way to do business especially by a bank to withhold this amount of money and not even make the effort to find out what is going on so they can pay me out. The account was closed because of third party checks. He said today on the phone. Oh they're waiting because some of the checks they want to make sure they don't bounce. I know 14 days you know if that check 's going to clear so I just keep getting lies from him and I don't know who else to reach out to but you guys, If it was money that I owed us bank they would be charging me late fees and interest, now I have another problem because these non-negotiable checks some of the issuers will not reissue another one,
Product: Checking or savings account

To whom it may concern, I filed a dispute with Chime Bank on XX/XX/year>. It was an unauthorized transaction from XXXX XXXX in the amount of XXXX. I was supposed to receive a provisional credit by XX/XX/XXXX or have an update on my claim by XX/XX/XXXX. I called for an update today to find out my claim was cancelled. My account was compromised twice. They reopened my claim but said I have to wait another 10 days to see if Im eligible for a credit. Its been over two months. I have attached a copy of my original claim, and my chat transcript with the agent claiming they cant see if someone logged into my account nor can I.
Product: Debt collection

To Servicing Bank : SELECT PORFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX cc : Consumer Protection Bureau Ref. : Select Portfolio Servicing  Acc # XXXX XXXX XXXX  Loan  MIN  # XXXX Property : XXXX XXXX XXXX XXXX, XXXX Fl XXXX RELEASE ACCOUNT STATEMENT This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 
I am writing because : I has been requesting a complete copy of the Financial Statement of account # XXXX under SPS servicing from 2012 to present. But SPS has refused to disclosed it. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

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

My complaint is actually dealing with my credit score. I have been rebuilding my credit score for almost 9 months now with the assistance of a credit card I was able to get through my bank.My credit has improved by almost 80+pts since XX/XX/2017. That is the only account I have opened in the last 2yrs or so.However, this latest credit change dropped my score 61pts but I am not sure why it happened.All recent credit changes were "good" according to credit karma but nearly all the points I have earned have been taken from me just like that.I really do believe there has been some type of error but I am not sure of what. And my derogatory marks have decreased by 1. Any help into this matter would be greatly appreciated.
Product: Debt collection

For the past 6 months, the debt collection agency known as, Williamson and Fudge has not only contacted me but, has contacted my relatives, and landlord, possibly my neighbors as well. All unbeknownst to me might I add, asking them if my landlord or relatives can communicate them with me. Told a relative that I had a debt of a certain amount and proceeded to ask another relative to pay this amount. I have already contacted my XXXX  and they have told me they have no idea who or what this agency is. I had already told a representative at the time 6 months ago that I would contact my XXXX  instead and proceed from there.
Product: Checking or savings account

Chime has suddenly restricted my access to my bank account and ask me to send personal documents for verification. I am ok with verifying myself but the only way to verify is to send my personal ids through emails which is a very insecure channel. I still have money in the account and they don't offer fax or any other more secure way of sending documents. I totally regret doing business with them.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXXXXXX XXXX account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

Agreement with the creditor that authorizes you to collect on this alleged debt : XXXX. Theagreement bearing my signature stating that I have agreed to assume the debt ; XXXX. Valid copies of the debt agreement stating the amount of the debt and interest charges ; XXXX. Proof that the statute of limitations has not expired ; XXXX. Complete payment history of this account along with an accounting of all additional charges being assessed ; XXXX. Proof that you are licensed to collect in my state :
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm writing in regards to XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood & caused me anxiety. 
I wrote XXXX XXXX via certified mail on XX/XX/XXXX a Debt Validation requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote XXXX XXXX XXXX XXXX Chairman and Chief Executive Officer & XXXX XXXX XXXX Vice President and CEO of XXXX XXXX XXXX and I got no response from them. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the 2nd time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation request that XXXX XXXX ignored. Along with a copy of the email I send to them that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! Please stop violating my rights and remove this item from my consumer report. By law the CRA 's, creditors whom ever has 30 days to complete a 30day investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over 4months ago! Therefore Experian Information XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by law shall remove this item from my consumer report. I'm not repeating myself again! You think I'm playing watch me? I will continue to build my case and Sue all three of yall for damages! There is a laundry list of damages caused upon me from yall reporting this item! 
CC : Pa attorney General, FTC & the XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX at XXXX Pacific Time I called Consumer Corp/XXXX  and paid of my balance of {$1800.00} in full. I was informed at that time that a letter would be sent out to all three agencies that the account was closed and that they would also remove the late payments from the account. Today XX/XX/XXXX, I checked my credit report and I saw I am still showing all the late payments. I called XXXX back at XXXX pacific time and they are now telling me they can't remove them. However, they were the ones who said they would. I specifically asked them if they would remove the late payments from my account and they said yes. So this company lied to me.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account:XXXX from XXXX XXXX XXXX XXXX, has violated my rights.

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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I don't recognize this account ; and I have never been applied for a Credit Card from XXXX XXXX XXXX, this account is a Fraudulent account. 
Failure to conduct a reinvestigation ; request for damages under the FCRA
Product: Mortgage

My mortgage got sold in XXXX of XX/XX/XXXXto Carrington. When it got sold i was behind on payments. I contacted Carrington in XXXX of XXXX to ask them what would bring my account current. The lady told me {$2000.00} would bring the account current. So i sent the XX/XX/XXXXas well as the XXXX payment. Now they are telling me that im behind one full payment plus late fees. When i questioned this they cant tell me why because their computers dont go back that far. They can only see two years back and that i would have to speak to the research dept to clear it up. I asked to speak with the research dept and i was told that they dont take phone calls.So i cant talk to anybody to try and straighten it out or get answers. It is so frustrating not being able to get any answers. Im not going to give them any money unless they can tell me why im late. As of right now, they cant answer that. I gave them the XX/XX/XXXXback in XXXX to make it current but they didnt do something right which makes me uncertain about giving them any more money. They keep telling me that my payment for the first of every month is getting applied to the month prior so now i have alot of late fees. They cant tell me why im late in my payments and i dont what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 - 180 ) days late on XXXX  account numbers XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 : It also 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX A customer service agent was really rude from Lexington law. Bad customer service
Product: Vehicle loan or lease

Due to unforeseen circumstances, I incurred several late fees on a loan. I eventually made those late fee payments, actually on 2 occasions because the company did not post my payment to the late fee. When I was prepared to make the second late fee payment, I contacted the company to get confirmation of the exact amount to make the loan current and get the late fees caught up. I immediately made the payment online. After seeing the payment post and STILL not being applied to the late fee, I contacted the company. I was told I needed to make the XXXX payment then the late fee would be covered. I made that payment on XX/XX/XXXX. Today, XX/XX/XXXX I contacted the company again because I recevied a statement and the late fees are STILL on the account. They continue to use the money I am sending for late fees and are applying it to the principal. I am now being told to make the XXXX payment on or before XX/XX/XXXX and they will take the late fees out of that payment. Late fees are {$270.00} and I have paid that TWICE. so they have {$540.00} extra on the principal and {$270.00} in late fees. 
Late Fees : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - these XXXX were paid XX/XX/XXXX {$170.00} but they applied the payment to principal XX/XX/XXXX - this was paid XX/XX/XXXX {$48.00} but they applied the payment to principal XX/XX/XXXX - this was paid on XX/XX/XXXX {$56.00} XXXX the {$170.00} again and the {$48.00} again. And once again they applied the payment to principal.
Product: Debt collection

I am disputing this company because they are negatively reporting on my credit report and the account is supposed to be closed. 

I used their financial service to buy a puppy and in there contract it clearly states if the animal is lost, stolen or dies before contract is paid in full, the contract would be terminated and closed at the point if they were notified. I have written this company several times letting them know the animal was lost/stolen from my backyard and this contract should be closed and they are still reporting negative to reporting agencies. This is a breach of their own contract that they sent me and wrote themselves. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. with that being said since company is negatively reporting false money owed and in breach of contract, I am forced to take Legal Remedy for a Breach of Contract. You have 30days to close the account and remove all negative remarks from my credit report and mark account as closed or due to my Rights Under the Fair Credit Reporting Act, I shall start issuing FCRA Violations of {$1000.00} per violation and {$5000.00} for Punitive damages and Actual Damages for harm that has been caused to my credit report, and stress it has put on me financially. Please be advise if not removed I also will be adding in Attorney fees and court costs and since this is a breach of term clearly stated in contract we also will demand a full refund be issued for monies paid and want account closed immediately with XXXX balance and no negative remarks.
Product: Debt collection

Contacted XXXX XXXX XXXX and Brett Borland on several occasions, Spoke with XXXX and XXXX at XXXX told me my debt was sent to a Law office of Brett Borland, and they had to handle it. Although they have continually reported this debt on my credit. I contacted Brett Borland they verified they had the deb.t Well I contacted the original creditor which the debt was reduced and told to pay XXXX XXXX XXXX. XXXX refused to take payment saying they no longer had. it. Spoke with XXXX XXXX, and paid Brett Borland because I wanted this to be over. To my knowledge it is illegal to continue to report a debt when you no longer have it. I am trying to rent again, and they will not accept the documentation/receipt because XXXX XXXX XXXX reported and not Brett Borland. I have contacted them both and they keep giving me the runarounds. I have paid the debt and I want it removed immediately as it has harmed and was reported inaccurately. They need be held accountable for sharing information and not giving knowledge to the consumer until after. They need to follow the law and report the information correctly.