23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION. WERE DISPUTED WITH TRANSUNION ON XX/XX/2018. I DID NOT RECEIVED ANY DOCUMENT BACK AFTER 30 DAYS. THAT IS A SERIOUS VIOLATION.
Product: Debt collection

this is my final warning against them for violating the FDCPA, by not being license in the state of mississippi as a debt collector, breaking state and federal rules and i am demanding that the collection be deleted from my credit report and send me a check for a 1000 US dollars for damages within 4 business days or i will send this to my attorney to sue PRO COLLECT XXXX XXXX
Product: Checking or savings account

I keep getting the run around about the reason a mobile check deposit wasnt cleared in my chase account. On XX/XX/XXXX I deposited the check from XXXX XXXX. On XX/XX/XXXX I was informed that the check is being placed on a 7 day hold because Ive never cashed a check with them. With in this time I called to keeps tabs on what was going on. I spoke to 10 fraud team members within this time. I was told one day the reason the check is on hold is because XXXX XXXX deemed it fraudulent.So then Chase ( my bank ) restricted my account. They told me to call the issuer. I did they said their wasnt an issue on their end. Then I was told wait till the XXXX the hold should be lifted & now its the XXXX. Im being told the company that wrote my checks has a history of bad checks. They never told me this. This doesnt line up to anything theyve been saying. One fraud specialist even told me the name of the payee was spelled incorrectly. 
Which is not true. Its spelled exactly right. I have gotten a different answer from about 10 people. Even today they still said they havent completely finish verifying the check and its literally day 7. Of it being on hold. So theres still a possibility. This is extremely confusing. I should not be punished for this. I was told the funds and account have been verified. This team is all over the place and Im very disappointed. No one is in agreeable. Its affecting me extremely.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, someone committed Fraud on my personal identity. They went into one or two Boeing Employee 's credit unions in or around XXXX XXXX, XXXX or XXXX XXXX near XXXX. I immediately notified all credit bureau 's that Fraud was being committed on my social security. Then I called Boeing Employees Credit Union to notify them of the fraud and after calling 4 times, no one will call me back and confirm the account has been closed. It is my understanding that it's a checking account and a line of credit. I've verified my identity with my local police department on XX/XX/2018, with the XXXX County Sherrif 's office in XXXX, XXXX where I live. I filed the report case # XXXX with Deputy XXXX XXXX XXXX / XXXX and he forwarded the report to XXXX XXXX. I've spoken with XXXX XXXX and the local XXXX XXXX police department and no one will confirm that this account has been closed nor will anyone from Boeing Employees Credit Union call me back. The police and the FBI won't do anything about it because Fraud was against my identity but the bank is the complainant and they are trying to require that I come to XXXX to the branch where the account was opened ( but they won't tell me where ) so I can verify my identity. I have been verified by my personal bank XXXX XXXX as well as the local police department. That should be enough to ensure that this account is closed. I have spent over 40 hours of my time cleaning up this mess and Boeing is a complete disgrace to modern society and consumer protection. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This company outright lied to me in order to secure a payment and stop me from filing bankruptcy and including my car. I was told repeatedly by multiple people that if I made 1 payment of {$440.00} I'd be able to get an extension of my other past due. 

After literally taking the food of my kids table to pay this amount I was told less than an hour later that management won't approve my extension but that my car will be safe for a while 6 days before it goes back up for reposession on XXXX. 

I was LIED to and taken advantage of by this unscrupulous company who said anything to stop me from filing bankruptcy because they new they could squeeze one more payment out before taking my car.
Product: Payday loan, title loan, or personal loan

I made {$1000.00} payment on XXXX XXXX. When I signed in last week to check my balance, it had already gone back up by {$1000.00}. I called and asked how that can happen. They said it was because my interest rate is at 190 %! 
I asked if I could refinance and lower the interest rate, and they said they couldnt help me. They gave me the corporate office number to call. They told me that my local store is the only one that can help me. 
I dont know what to do!!! My payments are up to {$700.00} a month at 190 %!!! XXXX XXXX XXXX! I only went to them for an emergency.
Product: Credit reporting or other personal consumer reports

Date Opened XX/XX/XXXX Amount {$2000.00} I contacted them about this reporting in XX/XX/XXXX, by XX/XX/XXXX this matter was still unsolved. Attached is the letter sent.
Product: Debt collection

ConServe reported an account to my credit report without any written communication that the debt was placed in collections, the ability to dispute, and I was never late on my payment with the original creditor. 

I pay monthly for a class that I took at XXXX XXXX of XXXX XXXX. I've never been late. ConServe placed the account on my credit report and said that I'm late on Payment for XXXX ( even though payments have been made ) and never alerted me that the account was placed in collections.
Product: Credit reporting or other personal consumer reports

Please update my personal information to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent you a letter last month because you are reporting some late payments that are NOT accurate and I asked you to update these late payments to ON TIME PAID AS AGREED. 

You seem to not understand how serious this is because you have not fixed this issue for me. Please look at this letter as it is my 2 ' time notifying you of some items that are incorrect, these are NOT Accurate on my credit reports. 

I have listed the account name and account number below along with the dates you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account name : XXXX XXXX XXXX Account number : XXXX Dates reporting NOT Accurate : XX/XX/XXXX and XX/XX/XXXX, Please fix this immediately, this is my XXXX letter and I am trying to buy a home. 
Thanks for your help,
Product: Debt collection

I continue to receive harassing communication from NES, National Enterprise Systems, regarding a XXXX XXXX XXXX XXXX, which I have no knowledge of.
Product: Credit reporting or other personal consumer reports

I satisfied the condition of my XXXX  XXXX Bankruptcy and need to be removed from all reporting agencies. Bankruptcy filed on XX/XX/year>. Its been 7 years. I need to XXXX  XXXX  XXXX  and need the most optimal credit score to qualify for private loan money. Also, I was a victim of identity theft.
Product: Debt collection

They use a horrible robot-caller that is barely understandable. The robo-caller does n't connect you to a real person, but instead forces the contact to call back at a different number.
Product: Credit reporting, credit repair services, 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 the 15 USC 1681. XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX 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, 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
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX  Balance : {$760.00} ; XXXX XXXXXXXX  Balance : {$21000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was disputed as fraud. Discover Financial Services then closed the account. Account is still reporting on credit report as closed. Which it should be removed entirely as this account is not mine. Also on the previous investigation in reference to this account I never received any correspondence or resolution in writing that this account was closed.
Product: Debt collection

after requesting a Debt Verification letter I received the letter from the collection agency, stating they were unable to validate.
Product: Debt collection

On XX/XX/19 the Vice President of Human Resources at work received a phone call stating that if I did not call them back today they would have me served either at home or at work. When I called the company back they didn't not give me the mini miranda disclosure they said that there was a pending case against me that included 3 charges. The lady on the phone said that I can be served and settle in court for a large amount. Or I can try and settle out of court but she didn't know if i would qualify for that. But in order to get my case out of pending trial I needed to make a payment that day. I did set up a payment and set up a reoccurring amount. When I asked if they would send me something stating we had a payment arrangement and my payment schedule they stated that the only communication they would send me would be when I finished paying off the amount and my account was paid in full, and in order to receive that letter I had to call them back and request it otherwise nothing would be sent. 

I called back on XX/XX/19 to see if there was any way I could set up lower payments because I would not have the funds available on the second withdraw do to my rent payment. They lady I spoke to today said there was nothing she could do to help me and i stated I'm willing to make payments to pay this back but after I pay rent I may not have enough to cover the payment she stated that if they processed the payment and it failed then they would proceed with court procedures.
Product: Student loan

I have XXXX Plus loans that were taken out from XXXX for XXXX  school. I am not including personal information but please feel free to reach out for the information. The loans were at 8 % interest rate. When I graduated and it was time to pay the student loans, I was unemployed. Nonetheless, I qualified for income-based repayment and made small payments when I could. I was eventually able to make consistent payments through the income-based repayment program and the payment amounts increased due to my income. I believe the original servicer of the loan was Sallie Mae. At one point, Navient became the servicer for my loans. It is understandable to learn that the interest amount owed increased. However, I went from borrowing {$160000.00} in student loans and now owing {$340000.00} in loans and interest. The loan servicer is now XXXX XXXX  Complaint 1- It is  unclear to me how the amount of my loans owed has increased to double the amount although I have continued to pay and consolidated the loans. Complaint 2- when attempting to contact Sallie Mae and Navient for the documents ( 1. loans i applied for, loan amounts owed, monthly statements ) they state the documents are no longer available. Complaint 3- i would like an accounting of my student loans as I believe that the amounts I initially applied for are incorrect, the amounts that have been transferred from servicer to servicer are incorrect and the amounts that I am currently owing are incorrect. Complaint 4- I was misinformed by Sallie Mae and Navient on the options that I had available during the periods that I was unable to pay my loans. I realize that this is not my specialty and therefore I may not be using the correct vocabulary. I ask for your assistance in resolving the issues listed above. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX, GA XXXX I am writing to request a correction on my consumer credit report. This closed account that appears on my Experian report is fraudulent, it is incorrect and it does not relate to me. Thank you for your assistance.

Account name : XXXX XXXX XXXX. 
Account number : XXXX Date opened XX/XX/XXXX Original Balance ; {$750.00} Status ; paid, closed
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I mailed a certified letter to Credence Resource Management on XX/XX/2020 disputing the collection account for a XXXX XXXX  account in the amount of {$320.00}. By the way, I do not ever recall having a XXXX XXXX account. I received a response letter from Credence Resource Management dated on XX/XX/2020 stating the account has been recalled from their office and returned back to XXXX XXXX on XXXX, please see the attached documents. 

This account was then bought by XXXX XXXX XXXX agency as it showed back up on my credit report within a few weeks. I mailed a certified letter to XXXX XXXXXXXX on XX/XX/2020. The certified mail receipt number is XXXX XXXX XXXX XXXX XXXX and was received by XXXX XXXX  Collections office on XX/XX/2020 at XXXX per the United States Postal Service tracking site. To date, I have not received a response from XXXX XXXX they have not provided any documentation to prove that this collection account belongs to me. I also created a dispute with XXXX  and they are stating that it has been verified ; however, again, no documentation has been provided to me to support their claim. 

This complaint is in regards to XXXX XXXX XXXX as no response has ever been provided to me. It is my understanding that if validation is requested, the collection company must respond within 30 days or delete it from my credit report. 

IF THE PRIOR COLLECTION COMPANY, CREDENCE RESOURCE MANAGEMENT WAS UNABLE TO VALIDATE THE DEBT, HOW IS XXXX XXXX XXXX ABLE TO VALIDATE THE DEBT?
Product: Credit card

I had multiple fraudulent charges on my credit card, Informed the credit card company it has been multiple months now with no updates. They keep telling me to wait I informed them about this issue multiple months ago.
Product: Mortgage

My fiancee and I are in the process of purchasing a new home, in which we wish to use my VA entitlement. I called lenders and made sure that they knew we were NOT married and they could do the loan. I spoke to several loan officers with Chase Bank and all if which said " yes we can do that. '' I made sure they were aware that we were not married if if they could still do it. They of course said " yes we can. '' I then began to ask if it would still be a XXXX down payment and no PMI and they said " yes. '' We then decided to move forward with the loan at Chase. We are now in processing and now the processor is now saying that we need to come up with {$47000.00}.
Product: Checking or savings account

Capital one working with a 3rd party and did not deposit my direct deposit from Thursday keep giving us run arounds on when i should receive my money and still have not received it. I have bills to pay. Capital one checking account is horrible.
Product: Money transfer, virtual currency, or money service

Chase wired money ( {$11000.00} ) XX/XX/23 for me to another Chase account ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX fraudulently represented themselves as a broker/escrow sevice and transportation company. This organization committed fraud, misrepresented availability of classic automobile, never delivered and are unavailable to contact via phone or email. Chase will not take action to return my funds even though a fraud claim has been filed. Claim # XXXX. This is blatant theft and fraud by a Chase account holder who received funds. Chase account # XXXX, routing # XXXX. 
Chase bank knowingly allows this fraud perpetuating organization utilize their bank and does not protect me, the victim! Please assist me in this matter XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX are fraudulent organizations and have been reported to FBI
Product: Credit card or prepaid card

I had to file a Consumer Proposal ( Orderly Payment of Debt ) under the bankruptcy act here in XXXX. When I did that, I found 5 credit cards opened fraudulently in my name. 2 from Chase Bank, 2 from XXXX, and 1 from XXXX totaling {$25000.00}. When I saw all that the Consumer Proposal was paying out ( from my credit report ), I realized that these were not mine- I never opened them, I never used them. I contact the banks immediately, asked for the application - I was ignored. I reported them to : https : //www.identitytheft.gov/ and have been following their program with the letter templates they provide- I was ignored. My Consumer Proposal paid them already. They don't care that I have paid {$25000.00} that I should not have had to. But they won't respond to me at all. I am the victim of a crime and no one seems to care. I don't know what to do. Identify Theft listed this as the next step.
Product: Debt collection

This is a continuous debt collection that resulted in Identity Theft with a provided Police Report when Net Credit ( try to collect ) as of XX/XX/XXXX XXXX. CFPB Reference Complaint NumerXXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX has made several attempts to Collect and pulling hard inquires report my credit report trying to collect a pay day loan that was a result of identity Theft ( XXXX XXXX XXXX 

I have disputed this numerous of times and it was resolved in XXXX. The Debt Collection Agency again as of XX/XX/XXXX is trying to collect. 

Reference of Older Case in XXXX ( Resolved As Not My Account do to identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Date : XX/XX/XXXX, account is marked as derogatory and is not correct. The account currently reports on all three credit reporting agencies as charged off as a bad debt and it is not correct. The payment shown are a mixed of collection and on time payments, example : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shown as collections and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as payments on time. I have not used this account in over 7 years, all payments where submitted on time. This account needs to show a {$0.00} balance and it also needs to be removed from showing as a charged-off debt this incorrect information.
Product: Credit reporting

I called on XX/XX/XXXX to have a XXXX XXXX credit card removed from my credit that has the First Delinquency date of XX/XX/XXXX. It is due to be removed on XX/XX/XXXX but last month I called in to get a few things removed early so I thought I would call in today to get this last negative off my credit. I was told the date has been changed to XX/XX/XXXX for chargeoff. That is incorrect as my last payment and first delinquency is XX/XX/XXXX. I have a report from Experian dated XX/XX/XXXX that also shows that 's the info the had and at some point changed this without notifying me. I spoke to XXXX and they also stated my last payment was XX/XX/XXXX and it is not on my other XXXX reports. I tried to dispute this with Experian and was told I could n't because it was disputed in XX/XX/XXXX. I have attached the report from Experian from XX/XX/XXXX that clearly shows this.
Product: Credit card or prepaid card

I received a check in the mail from Barclay Card XXXX XXXX stating if i did a balance transfer before XX/XX/XXXX i would get a 1 % transfer fee and 12 months interest free on that balance transfer. So i did it on XX/XX/2017 and it reflects on my statement that it was posted on XX/XX/XXXX. I was charged on my next billing a transfer fee of {$100.00} and a interest fee of {$9.00}. on my next billing i was Charged another interest fee of {$75.00} and a separate interest of 2.93.. I called and complained about it and explained what i had done with the check via mail and was not supposed to be charged all this interest every month. They had no record of the check that was sent by mail as i have to pay interest on the balance transfer. So in XX/XX/XXXX I immediate closed my account with them and paid off the balance including all the interest they have charged me so I would n't have to deal with them any more. they said the complaint would take 7/10 business days. When i called on the XXXX day they said it could take up to 45 days. I want all my money back including my initial balance transfer fee cause i never took advantage of my no interest rate of zero percent for 12 month. I had to pay a fee to another company to transfer my money to them. Oh and this is funny I now got a bill with an interest of {$27.00} for the XX/XX/XXXX statement when I had a zero balance. I have uploaded offer letter and last statement. Due to me not having my account open it wont let me download my other statements. Please help me cause this company is not knowing whats its doing to consumers like me and just taking advantage of us poor people.
Product: Mortgage

On XX/XX/22 I contacted the mortgage company and asked what would be necessary to recast my mortgage, having paid approximately 40 % of the principal over the past 12 months. The mortgage company indicated to send an email and ask my question. I also sent the requested email on XX/XX/22. On XX/XX/22 the mortgage company replied via email to send a letter and check for at least {$5000.00} as a principal payment for this to occur. I was to request the recast in the letter. I mailed the letter requesting this and the check on XX/XX/22. On XX/XX/22 I noticed that my check for {$5000.00} had been deposited. I looked online at my mortgage account only to discover this {$5000.00} was erroneously applied to my XXXX mortgage payment. I immediately called the mortgage company, advised of the error, and asked about progress on my recast request. They advised that they did not receive my letter requesting the recast. I told them that this was impossible because the letter was in the same envelope as my {$5000.00} check that they received and incorrectly posted to my account. The mortgage company then stated that they would correct the posting and asked that I email a copy of my letter requesting the recast to an escalation manager, which I did on XX/XX/22. By XX/XX/22, having not received any information regarding the recast that I requested, I emailed the escalation manager again and asked for status. I received no response. On XX/XX/22 I followed up with another email concerning this. Still no response. On the evening of XX/XX/22 I actually called the CEO of the mortgage company on a personal number. My call went to voicemail, where I asked that someone contact me. As of today, XX/XX/22 I still have no response on my request for recast for which I have now paid {$5000.00} to have performed.