23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FED LOAN SERVICING has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

The Date of Last Activity is reporting inconstantly across all 3 credit bureaus. If this account was properly verified all information should be reporting the same. 
XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account named JPMCB with the account number XXXX is listed as a charge-off on my credit report, however a balance is still being reported. I never received a 1099-C for this account. This account must be removed from credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized information was use to these companies and will like them remove I did not give my information to these company for use.. 

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 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
Product: Credit card

On XX/XX/2014, I called Capital One to redeem my rewards points. The agent was quite pushy in offering to send me a check. I asked if this would be safe since it was a large amount and she said yes. She told me the check would arrive in 2-3 weeks. 

I called Capital One on XXXX XXXX since it had been 3 weeks and I had not received my check. The agent advised I could wait a few more days since it was a heavy mail season with the end of year holidays. 

I called Capital one on XXXX XXXX to request my check been reissued since I still had not received it and I was told by the Capital One agent that they would not write a new check because my check had been cashed on XX/XX/XXXX. This is Fraud. I never received or cashed my check. 

I requested the agent to email me a copy of the cashed check immediately so I could file a police report and the agent told me it was not possible and that Capital One would send me a copy in the mail in 2-3 weeks. 

I requested to receive an email with a case number for Capital one to open a Fraud investigation and I was told they do not have an email template to send me an email, therefore offering me no proof Capital one is going to investigate. 

I requested to speak to a supervisor and I was given the same answers. I called a second time and was given the same dance and song. 

My reward check is worth over {$9900.00}. Capital One did not even mail it with a tracking to prevent it being lost or intercepted by a thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with American Express that went to collections with XXXX XXXX, and around XXXX I entered into a negotiated payment plan with XXXX XXXX to pay the balance plus interest in full on the account, at a rate of {$300.00} every two weeks. This payment plan just completed in XXXX, but AMEX then promptly reported the account as charged off to XXXX ( they had previously reported it as charged off to XXXX and XXXX XXXX in XXXX, despite my consistent compliance with the payment plan ). I disputed the charge off with the credit reporting agencies, but they would only allow me to add a personal statement, they would not correct the information without AMEX consent. I called AMEX, and the representative on the phone stated that AMEX would not remove the charge off from my credit reports, and would not change the status of the account, even after all payments had been made. They told me I would have to wait for the seven year period for it to fall off my credit report. This is not right, as I have paid this account in full, plus interest, with no settlement or reduction in the amount repaid. AMEX had no justification to charge off my account ( declaring it " uncollectible '' ) then they were in the process of receiving payment in full.
Product: Debt collection

I have asked Gulf Coast Collection to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Mortgage

I am filing a complaint against Rounpoint Morgage. For the reason I have submit a modification packed to them, and provided my proof of income, However ; they refused to approve my loan for a modification. I contacted Roundpoint to confirm if they had my correct income, because the deny documents I received did not provide the income or expenses that were use. After I contacted Roundpoint they confirm I have a XXXX surplus, after covering all house expenses included current mortgage payment. I am devastated because I am following the guidelines, and Roundpoint is refusing to approve my loan for a modification. I am showing them that my intentions are to keep my house. Please help me I am still willing to work directly with them again, however ; I am tired of Roundpoint is making me re-applying every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to apply for a XXXX pay later account in my name disputed it but wont give me no information says to contact XXXX number but doesnt connect to anyone and when I did talk to someone asked me questions that didnt apply to me I answered correctly but told me I didn't wouldnt give me any information, and score dropped substantially for no reason at all I have been working on fixing my credit and my score is dropping from this person and credit bureau nothing has changed on my credit for it to drop for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. XXXX XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXXXXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXXXXXX XXXX XXXXXXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

I am also requesting the date that the supposed delinquency incurred, which should have been given to you by XXXXXXXX XXXX. I know that it typically takes seven years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 

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

My XXXX loan with XXXX was paid off on XX/XX/XXXX by the US Dept of Education. It has been over 6 weeks and my loan is still showing up on my credit report when it was paid in full over 6 weeks ago. This is damaging my credit score which is impacting my ability to obtain better interest rates, as I now show two student loans ( one with XXXX and one with US Dept of Ed ) on my credit report when I only have one loan with Dept of Ed. I emailed XXXX about this on XX/XX/XXXX and they have done nothing to notify the credit agencies that my loan with them was paid in full.
Product: Credit reporting or other personal consumer reports

Excuse me, I believe that I have the right to dispute any inaccurate information on my credit report as stated by the Fair Credit Reporting Act. I take the accuracy of my credit report very seriously and would appreciate your assistance in rectifying any errors. 
I understand that creditors are required to document and validate the information included in my credit report before using it. I am confident that the allegations of delinquency and derogatoriness against me are false, and I would like to request evidence that supports the negative status of my accounts. I kindly ask that you include proof of a permissible purpose for the inquiry or account within my report.

Additionally, under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below.

Failure to respond satisfactorily will result in a small claims action against your Agency. I w ill be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Credit reporting or other personal consumer reports

3.5 years ago my wallet was stolen and XXXX credit cards were used illegally. They are ; XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX and JPMCB XXXX XXXX. The XXXX other credit bureaus have expunged those XXXX accounts. Only XXXX continues to carry those XXXX bad charges. Causing a XXXX point disparity between those XXXX credit bureaus. Id like XXXX to also remove those delinquent accounts. It is adversely affecting my FICO score and causing me great XXXX XXXX despair.
Product: Debt collection

Sent verification request to this company on XX/XX/XXXX. Still have not received verification of the debt. I called in with my financial advisor to get more information why they have not responded and to identify the debt that is unknow on XX/XX/XXXX. This business refuses to respond to my request. I have no knowledge of this debt. Collection agency would not provide me details about the debt and told me I need to dispute directly with the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have rights 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: Debt collection

I filed for bankruptcy in XX/XX/XXXX and had it discharged in XX/XX/XXXX. The debt trying to be collected was from XX/XX/XXXX and included in my bankruptcy. I have mailed a certified letter to the company with proof and even disputed with XXXX and nothing is being removed. I am asking for help to remove this item. 

Company reporting it is : VIRTUOSO SOURCING GROUP Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Report Number XXXX Account Number XXXX
Product: Checking or savings account

Ive been trying to get my Chase bank account since XX/XX/XXXX of XXXX. Ive been homeless in a XXXX XXXX XXXX and I was doing a what a thought a business deal. Where some guy would help me with stocks and investments. But needed access to my bank account but during the time I thought he needed for his supposed company. However on the XXXX of XXXX he deposit XXXX in the bank for the supposedly investment money. However the bank restricted my account for a supposedly fraudulent check but the check came from XXXX XXXX bank on the check and was verified. But the bank did a investigation and stated we can no longer do business with you use a different bank with no reason why that is which was weird? For something I wasnt responsible for in my possession I didnt have access to the check and ever since then I had to switch bank to XXXX  what I do?
Product: Credit reporting or other personal consumer reports

VIOLATIONS OF MY CONSUMER RIGHTS!!! 

28 USC 3002-10 ( Person ) 18 USC Section 241 15 USC 1650
Product: Credit card or prepaid card

Bluebird by American Express permanently suspended by account on XX/XX/2020 with a balance of {$8900.00} in it. When I called customer service to try and close account they would always tell me they had no information and they write a letter and mail it, which I've done several times. They only response I would get is I need a letter of indemnity which I also sent to them. Their own statement on closing account states : You may not close your Bluebird Account, Subaccount ( s ), Goals or XXXX XXXX $ XXXX balance to evade an investigation or a disputed transaction ( s ). You may not close your Bluebird Account or Subaccount if there is a negative balance in your Account or Subaccount,, if one or more pre-authorization codes with respect to Bluebird Checks you have written are unexpired, or if there is an investigation pending or a Dispute related to the Account or Subaccount or associated Bluebird card or Subaccount card, and subject to Applicable Law, we may hold your funds for up to thirty ( 30 ) days or longer to finish conducting the investigation and/or protect us or a third party against the risks of payment reversals, chargebacks, claims, fees, fines, penalties, and other liability. 

I am not evading an investigation or even being investigated at all. And they even state they should hold funds up to 30 days but now it has been a year and my money is just sitting there when I really need it. Please help me to get my account closed and remaining balance to be sent to me by check.
Product: Debt collection

My name is XXXX XXXX XXXX, a natural living and breathing woman, submitting this complaint on my behalf without any influences from any third party or its agencies. Capital Management Services , LP is violating my rights under FDCPA and the FTC- Gramm-Leach-Bliley Act by having my personal private information without my consent, contacting me without my consent, accusing me of owing an alleged debt, continuously harassing me after I told them that I didn't want to receive any communications or CORRESPONDENCE, sending me false and deceptive statements with my name and address, sending me correspondence with harassing and accusing words " Our representatives are trained to offer assistance regarding this obligation '' also stating " For payment arrangements or account inquiries, please call Capital Management Services , LP XXXX XXXX XXXX ) XXXX '', also stating " Should you wish to discuss the manner in which your account has been handled, please call ... '' I do not have an account with Capital Management Services , LP nor did I sign any contract or agreement with Capital Management. I've never had not one contact or communication with this company a day in my life and they just randomly send me a letter accusing me of an alleged debt. This company is conducting deceptive and bad business practices by not providing me with any verifiable proof of the alleged debt and continues to cause me harm by harassment, coercing, misleading and deceiving me into paying them money for something I don't owe. They are stressing me and my family, causing me emotional and mental distress damages and defaming my character.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/year> I tried to unfreeze my credit with Experian. I went to their website to register and it would not let me register - the security phone number and email address have changed for me - I no longer have access to that email and phone number. I tried to speak to a person but the phone number at Experian routes you back to the same website.
Product: Credit card

I have a XXXX store credit card issued by TD retail Card services. My payment due date on this card is the XXXX of every month. 

Sometime around the end of XX/XX/year>, TD retail services revamped their online interface. As a result, I was locked out of my account. I tried reaching out to their customer service department and was on hold for a total of more than 8 hours during a span of a week.

TD Bank has made no efforts to address accessibility. I am not sure about the current status of my account, nor am I sure about when I will get access to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX # XXXX I was not aware of the debt and never received a notice. Please provide validation of debt and the procedure used to Validate.. 

XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 


XXXX  XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXX  XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXX XXXX/XXXX  # XXXX Not my account. Please Verification and Method of Verification. 

XXXX  XXXX  XXXX  Not my account. Please provide Verification, Method of Verification and Validation of Debt. 


XXXX  XXXX XXXX  # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX  XXXX XXXX  # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX/XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 


XXXX XXXX XXXX XXXX Payment history and dates inaccurate, please provide physical verification of late payments, method of verification and validation of debt. This is violation of my XXXX Rights not permission to share my info. 

XXXX XXXX XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and and validation of debt. 

Account # XXXX Incomplete file on XXXX, please remove ; if not please provide validation of debt and method of validation. 


XXXX XXXX XXXX # XXXX Provide the method of verification, validation of debt and assignment of debt as well. 


XXXX  XXXX  XXXX  # XXXX Please provide verification of account, validation of debt and the procedure used to Validate and assignment of debt. 


11 XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate. 

08 XXXX XXXX  XXXX  XXXX  # Please provide verification of account, validation of debt and the procedure used to Validate and and assignment of debt. 


01 XXXX  XXXX UNIVERSITY # XXXX Please provide verification of account, validation of debt and the procedure used to Validate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered that RADIUS GLOBAL SOLUTIONS accessed it without my permission on XX/XX/2022. They have not met the requirements under the FCRA to gain access.
Product: Checking or savings account

I have had a checking account with Santander for 4 months. It has been a disaster. I have called countless times to gain online access and was never given permission to access my own funds. So I gave up. I sent a letter to them requesting they close the account and mail me a check for the balance. They stalled for a month. Then they told me they won't close the account because they deserve another chance. I just want to close the account and have my funds back.