23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is follow-up to a complaint filed on XX/XX/year>, REF XXXX. Velocity Investments answered the compliant on XX/XX/year> stating this claim of debt was placed on HOLD pending review by their compliance team. They were reaching out to the original creditor requesting additional documentation. Again, as stated, I was advised this claim of debt was placed on HOLD. Today, XX/XX/year> was received a summons that was I was being sued for this claimed debt without receiving any additional documentation as promised by Velocity Investments. After speaking with their law firm today, I was advised by their attorney that they were never notified by their client to place the account on HOLD.I feel this was a violation of the promise which was made to me advising they would be getting me further validation of the claimed debt.
Product: Credit reporting

I accessed creditreport and once I got to Experian it did not let me retrieve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Elevate Recoveries fraudulently reported a debt from XXXX XXXX  XXXX, amount {$650.00}. I contacted Elevate Recoveries today - XXXX - to inquire about this account. They stated that they sent out 1 letter on XXXX. When I informed Elevate that I had not received this letter, they informed me that it went to the wrong address. When I asked why they would then report it to XXXX on XXXX, the representative claimed that they do not report to the credit bureaus. I told her that I had contacted XXXX, who informed me that this was reported by Elevate. She still claimed that they do not report to the bureaus ; so I asked her if they didn't report it and XXXX did not, how did it get on my credit report. Her response was that I should file a police report and immediately disconnected the call.
Product: Credit card or prepaid card

On XX/XX/XXXX I logged into my online corporate card account to make a required payment but received a notice that the payment could not process. After attempting a second time, I discussed the issue with a co-worker and we both agreed that the payment system must be glitching ( again ). As such, I dialed the customer service number and proceeded to make the payment over the phone.

On or around XX/XX/XXXX I noticed on my personal account that JP Morgan had erroneously accepted two of the payments and withdrawn the corresponding balances from my personal account without permission. Although I authorized the bank to retrieve funds from my account, I would never have authorized a double posting under these conditions. 

Soon after identifying this issue, I contacted JP Morgan and got the proverbial " run around '' until they finally pledged to refund the erroneous second payment. The representative indicated that the reimbursement would be issued through a check and that ACH was not an option, despite having used ACH to obtain the funds. 

As of XX/XX/XXXX I have still not received my refund and yet the payment within JP Morgan 's system has been reversed. This essentially means that I am floating JP Morgan about {$360.00} of my own personal funds due to their system processing errors. When I called the customer service representative for an explanation, the representative ( XXXX ) indicated that this is JP Morgan 's procedure for handling refunds. Rather than waiting for a successful reimbursement to clear, the staff actually reverses the payment in anticipation for the refund to clear. If payment is not received, XXXX said to call back and they will work on it again. 

I am disappointed with this entire process and urge you to look into a reasonable remedy.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy. Transunion has 15 days to investigate. Proof of ID information is not outdated.
Product: Credit card or prepaid card

I have been a with CAPITAL ONE / SAKS F customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out XXXX XXXX XXXX   along with XXXX XXXX and Transunion multiple times they have not responded with any debt validation. 

I have no contract with XXXX XXXX I do not understand how they are able to report that I have a debt with them if they do not have a contract. 

There are two accounts.
Product: Credit reporting or other personal consumer reports

IM REQUESTING THIS INFORMATION FROM THESE XXXX CREDITORS BECAUSE OF THE INACCURATE INFORMATION BEING REPORTED TO THE CREDIT BUREAUS 

Account info
1. Account name
2. Account number
3. Account type
4. Date opened
5. Status
6. Status updated
7. Balance
8. Balance updated
9. Recent payment
10. Monthly payment
11. Credit limit
12. Highest balance
13. Terms
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XX/XX/XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Open XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$15000.00} Late/Open
Product: Debt collection

Complaint against : Wakefield & Associates Wakefield & Associates XXXX XXXX XXXX XXXX XXXX, TN XXXX Stated Amount Owed : {$2100.00} I have sent certified mail requesting proof of documentation on these dates to this company. XX/XX/22 and XX/XX/22. 
I have yet to receive proper documentation or an explanation of these charges. 

This has been affecting my credit profile for too long. It needs to be removed as soon as possible.
Product: Debt collection

I asked debt collector to provide me debt validation, they sent me account statements but not original contract with my signature. I don't belive this debt belongs to me.
Product: Mortgage

My foreclosure trial case was postponed on XX/XX/2016 waiting for a Loan modification appeal response. Select Portfolio Services failed to use the correct and undisputed monthly gross income figure twice after receiving notification of their mistake. In writing on XX/XX/2016, and alerting them to yet of a worst mistake by phone on XX/XX/2016. This prompted to agreed motion to postpone court trial. See attachments. 
I contacted SPS on XX/XX/2016 to find out the status of the review only to be told that there was no review in progress since their decision dated XX/XX/2016 was their final and if I wanted further consideration I would have to start all over. 
After it took over 7 months for SPS to be satisfied that I had provided all the documentation needed, I feel SPS is not acting in good faith by demanding the process to start all over. I demand their mistake corrected without having to go through the whole process since a new trial date has been set for XX/XX/2016 where I can lose my home. 

It is obvious that SPS is failing in correcting and reviewing submitted and accepted information time and time again. 
On their letter dated XX/XX/2016, the loss Mitigation review determined that they incorrectly used the figure of {$3500.00} and updated with the " correct '' amount of {$2800.00}. The correct figure is {$4700.00} plus {$480.00} a month projected Estate distribution from XXXX XXXX once his mother 's Estate is settled. This information and supporting documents were furnished and accepted by SPS as part of the modification application package. So our monthly gross income should have reflected at least {$4700.00} or {$5100.00} not {$2800.00}. 
Upset that my Trial date was on XX/XX/2016 I called them to alert them yet AGAIN that they used the wrong amount. The representative then, reviewed my file and realized of the mistake and submitted the file for review again. I asked them to alert my attorney and their attorney that a final review would not be possible before my trial date of XX/XX/2016. 
XXXX XXXX XXXX of SPS Document Control Officer advised me that as of XX/XX/2016 a Motion to Continue would be filed to postpone trial on those grounds. It was done and accepted by the court. Unfortunately nothing was done since. Now I am told the review was completed as of XX/XX/2016 which by their motion presented on XX/XX/2016 makes no sense. 
Under the above circumstances I feel that SPS is not acting in good faith, by requesting us to do it all over with information that has been submitted, verified, accepted and completed under their own terms. Please help.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

The account of XXXX XXXXXXXX XXXX account # XXXX has not been validated. I have asked XXXX XXXX and XXXX also XXXX XXXX XXXX to provide me proof of this debt bearing my signature and all i receive is a a letter from the credit reporting agencies saying that its accruate and then a itemized list of charges from XXXX XXXX. What is that? that doesnt tell me anything? .. By law i am allowed to asked for this information and it is to be provided. I have written letters and nothing is getting done. I wrote a letter on XXXX XXXX i wrote XXXX XXXX and they sent me and itmeized list of charges. look at the attached credit reports from bureaus. they are all different and reporting inaccrurately and violates my consumers rights to have accurate information on my credit reports be 100 verifable at all times FCRA. 

account is charged off -- XXXX co date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX and how is there a usage on a closed charged off account? it cant be past due ... dofd is not accurate on all 3 bureaus. 
2 bureaus dont have no high balances reported etc
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries, nor have I applied for anything and I'm respectfully demanding that these unauthorized inquiries be removed properly and immediately. 

[ 1 ] XXXX XXXX ( XXXX ) [ 2 ] XXXX XXXX ( XXXX ) [ 3 ] XXXX XXXX XXXX XXXX ) [ 4 ] XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken a loan from XXXX XXXX on XXXX  i have closed that loans and taken XXXX also but still showing in XXXX XXXXXXXX, XXXX sites i have all closure letters
Product: Debt collection

. 
Your company is being asked to forward a formal letter Fia Card Services Na is to write : Your company Fia Card Services Na does not have a present judgment vs XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX cell/text
Product: Checking or savings account

Chime closed my credit builder account without my permission. I have {$240.00} that I have requested since XX/XX/year>, and have yet to be refunded. I receive the run around every time I have called Chime.
Product: Credit reporting or other personal consumer reports

XXXXAssignment of debt letter from third party debt collector XXXX XXXX XXXX XXXX assigned debt from Navy Federal Credit Union acct XXXX XXXX XXXX-Sent XXXX XXXX XXXX XXXX Debt Validation Dispute via usps return receipt requested XXXX 

XXXX-Retained counsel who sent XXXX XXXX XXXX  debt collector to cease all communication with myself and to only communicate through HELPS LAW FIRM. 

XXXX-Credit Bureaus XXXX, XXXX and XXXX reporting incorrect information . Sent Original Creditor Navy Federal Credit Union notice of reporting errors and requested they investigate and correct errors. 

XXXX XXXX, XXXX and XXXX all three credit bureau 's first dispute letter informing credit bureaus were reporting innacuracies . Request investigation. 

XXXX XXXX, XXXX and XXXX 2nd dispute letter requesting investigation into wrong information across all three credit reports. 

XXXXXXXXSent third and final dispute letter to XXXX, XXXX and XXXX disputing continued false information on my credit reports. 

XXXXawaiting word on.third dispute request from XXXX, XXXX and XXXX while they continue to report false information after indicating all three bureaus found no innacuracies yet at the same time added several more false and innacurate data per the first two dispute resolution notifications to me.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/12 I transferred a total of {$31.00} from my bank to my Cash App account. I later attempted to cash out the funds to another of my debit cards for spending purposes. I began to get this cash out failed error over and over and this has been ongoing for the past 6 days. I made contact by phone and chat support to no avail. This morning I called again and was told my account was randomly frozen and they never bothered to contact me regarding this matter when they have my email, phone number and an internal mailbox where they can message me directly. I have been a longtime user of Cash App and Ive NEVER partaken in any fraudulent activity or had any fraud incidents, so I would expect at minimum a courtesy text or email that my account was frozen for safety. I dont feel like this was done with me in mind and this has been the worst experience so I will not be using this platform moving forward. After all this they are still refusing to make my funds available even after theyve been notified of my issue.
Product: Student loan

XXXX : borrowed {$37000.00} Forbearance on loan the maximum time allowed XXXX : now owe over {$70000.00} even after making payments ( ridiculous amounts monthly ). 

I have been XXXX since XXXX. 

Please help
Product: Money transfer, virtual currency, or money service

There are two parties involved in this complaint, XXXX and Barclays. I initiated two transfers on XXXX XXXX and XXXX XXXX for {$1000.00} each, from Barclays account to XXXX account, but I immediately cancelled the transaction of {$1000.00} of XXXX XXXX on that day itself. 
Then on XXXX XXXX I initiated a transfer from XXXX to Barclays which reached my Barclays account on XXXX XXXX. 
There seems to be a reduction of two {$1000.00} from my Barclays account but only one deposit of {$1000.00}. 

When reached out to Barclay 's they say that the money was requested to go the XXXX account and was sent. They did not receive any cancellation notice and hence carried out the transaction. 
When reached out to XXXX, they say that when a transaction is cancelled, they never pull the money from the requested account. Hence the missing case of {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX when attempting to take out an auto loan I was notified of a delquent account from capital one with a balance of {$20000.00}. They stated this card was opened in XX/XX/XXXX and this was the first i was hearing about it. I called Capital One immeaditly to notify them this was not my account. I filed a police report as well as filed a notice to the FTC. On XX/XX/XXXX a bill was sent for the fradulent account, I contatcted Captial One to inform them there must be a mistake they told me they found me liable for the card and provided no information on how they made this determination. Captial one refused to reopen the fraudulent investigation despite my notification that there is no way this could be mine. 

I have another valid tradeline with Captial one and it has always been paid as agreed. Capital one should be able to see first hand by looking at their own records and the credit report they would have pulled when the account was opened that I always pay my bills on time and that my credit is very important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my Equifax credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote Equifax a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Equifax is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX INQUIRY - XXXX - - Attached is the letter i wrote to Equifax in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Student loan

On XX/XX/2017 I applied to consolidate my student loans to qualify for Public Service Loan Forgiveness as I have been working for a nonprofit for over 3 years and none of my prior payments are eligible. In addition I changed my contact email and address with the reprensentative. The same day I COMPLETE both the consolidation and income driven repayment plan ( REPAYE ) on XX/XX/XXXX and it estimated my payments of {$0.00} per month. Navient, sent me a confirmation email on XX/XX/XXXX to the UPDATED email address. In XXXX. I called because I hadn't received information on the status of my consolidation and my IDR and was told that it was still processing. Late XXXX I received an letter stating my consolidation was approved. Fast forward 6 months, XX/XX/XXXX and I received a email from Navient ( to the correct email ) stating that my student loans were past due and asking me to reply YES to a forbearance. I replied yes and immediately pulled my credit report and called Navient. They had reported on my credit report that I was past due as of XXXX. I spoke with a Representative who informed me that my IDR wasnt processed and my bills were available through my online account. I asked her why would they NOT email me to inform me of this, yet they emailed me about a forberance so they clearly had my email address. I also let her know how time sensitive and unfair how much this is affecting my life. She advised me that I would have to recomplete a new IDR application and also advised me that I would have to send a letter to the dispute team to get the negative removed from my credit report. I let her know that I did not want a forberance through XXXX as I am prepared to make any upcoming payments and that I would recomplete the application and send in documents to the dispute team. She told to me call back in a week to verify the dispute team received my request. I called back a week letter and they had not " recieved '' or logged the document in the system. The next rep advised me to call back in a week. Today a week later a called again and the rep told me the same thing, ' that they had not received it as of yet " and he also told me that the forbearance through XXXX is a courtesy and if I want to start repaying next month I can but that it takes 21 days to process new IBR application. They also told me they could not speak to someone in the disputes department about this unfair error and I have to wait until they received my letter even though I sent it over 2 weeks ago.
Product: Credit card or prepaid card

The Amex Platinum card promised XXXX dollars for travel to offset the annual fee ( {$550.00} ), but it was not clear to me that it was only for incidental charges but not booking flights. There were also perks like monthly $ for XXXX or XXXX where I found that ordering through UberEats could be more expensive than ordering the actual meal at the restaurant + restaurants would stop accepting it without notice so I could not use it the way I anticipated. Then they raised the annual fee going forward for the exact same card without asking consumers if they are interested in it ( you would think that they would have to offer consumers the right to the same terms as they signed up for ) and offering new benefits. One of these was XXXX dollars to book hotels at fine hotels and resorts so long as you book through their portal. I booked a hotel through their portal and was wondering why I did not get my credit back. Turns out that it was for a collection of hotels and resorts ( super expensive ect. ) that THEY call XXXX XXXX  & XXXX, but not any hotel offered through their portal! Eventually I was fed up with them and tried to cancel the card. They gave me a hard time trying to convince me that I should keep it, including requiring me to transfer to a " special team '' whose job it is to convince me to stay, but finally read me the disclosures and " cancelled '' it. Only they never really cancelled it. A week or so later I checked up on it, fortunately, and discovered that they never did cancel it. I had to call back again and go through the same process. Only then did they truly cancel the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX  on my report that is incorrect please remove. This item is not mine please send verification or remove. Ive requested legal correspondence and have received none. Please remove I have contacted the courts they say theyve never reported this information to my report I dont have these on XXXX or XXXX XXXX guys seem to report this fraudulent information monthly again please remove.