23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I came to the citizen bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried to close my account. I had over XXXX in the account. They told me. They cant not give me the total amount in case. I have to take XXXX cash and a bank check and if I want cash I had to call a week before. In the back its non information online or at the back this this information. The reason I cancel the account is because I had an emergency. As bank I should be able to get access to full amound.
Product: Credit card or prepaid card

I received an email stating " congratulations on your new card, we will be sending it to you shortly ''. I researched the company and saw that Comenity had a lot of complaints and that the card that they were trying to send me was for XXXX XXXX ( which turns out to be a camping/outdoors store ). I would never need this type of card and did not request an account. I then received the email stating that they were mailing it to me and reached out to The XXXX XXXX XXXX XXXX XXXX issued by Comenity Capital Bank. I refused to give my social security number or verify my mailing address and the representative stated they could not help me. The representative stated he could tell me that yes I did have a new account and a card being sent but that was all he could share. About a week later I received the card in the mail. As of today ( XX/XX/23 ) it has been reported as a new account with the credit bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a copy of my Experian Credit Report # XXXX. 

Upon going over my credit report given I noticed a HUGE discrepancy regarding a Creditor that does NOT belong to me, and I have NEVER done engaged in business with this company in my life. 

The creditor that is not valid and doesn't belong to me is : XXXX XXXX # XXXX and is listed as a " collection account '' on my Experian credit file. Now, there are 2 major discrepancies in regard to this creditor which by FCRA/Consumer Law needs to be removed immediately and they are as follows : 1 ) FCRA 15 U.S. Code 1681i ( Section 611 ) : If the " investigation '' reveals that the disputed information is inaccurate or incomplete, the CREDIT REPORTING AGENCY MUST DELETE or correct the information promptly.

2 ) Attached to this final letter before escalation to the Attorney General, you will notice on the credit report that this item was originally listed as an amount of {$5900.00}. I disputed and also Requested Proof of Verification method as well as a Copy of any supposed Contract between me and this listed creditor, which I still HAVE NOT received! on this credit report is shows a balance update of {$6000.00}. Which poses the question and concern of Fraud and Illegal business measures and practice from both XXXX XXXX as well as Experian. The question posed is, How can a collection company who by reviews buys debt change a debt price? Again there has been NO validation of this debt and this debt doesn't belong to me. 

Under 15 U.S. Code 168i ( Section 611 ) It also states that " Any information that is found to be inaccurate, incomplete or unverifiable must be deleted. 

XXXX ) under Terms it's listing 1 month but showing 2 under the payment history which don't match up. Also incomplete and obviously inaccurate 4 ) It also shows a balance of {$5900.00} under " account balance '' which doesn't match the 2 other supposed balances given on the same credit report, showing another inaccuracy and incomplete & fraudulent information. 

I sent in a certified letter on XX/XX/year> which I still have receipt of, disputing this incorrect and invalid creditor from my credit report clearly requesting receipt and Copy of Validation which was NEVER given from Experian nor from the Company, blatantly proving that they are both openly indulging in Unfair Business Practice and disregarding FCRA/Consumer LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I reviewed a copy of my XXXX and TransUnion credit reports where I noticed an account that is reporting inaccurately. It is showing misleading information, since it is showing the account as Paid/ Paying as Agreed but has late payments listed in the history. This misleading data is causing great harm to my credit score and its detrimental to my financial well being. I contacted each bureau by mail and phone to have them correct the issue, but they have not done anything. As I am aware by researching, these inaccuracies on my report are a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CAN NOT. And it also fall under 15 U.S Code 1666 ( b ) billing error. 
XXXX and TransUnion are violating the following FCRA law by reporting this inaccurate data : : Misleading False Reporting : This account is negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX compliant. Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. These bureaus are violating multiple FCRA, FCBA laws and i want them to correct this inaccurate data as soon as possible because it is detrimental to my credit score, which is causing me great stress to me and my family and affecting our ability to grow financially and obtain a home loan.
Product: Debt collection

ON XX/XX/21, XX/XX/21 and XX/XX/21 I have made several attempts and reached out to the reporting companies regarding s allege debt. I have mailed certified dispute letters in an attempt to validate this account with the creditor and verified with the reporting credit Bureaus and no one has provided me with any documentation to verify this debt. XXXX have send several automated-generated responses and XXXX and Experian has completed ignored my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. Equifax and XXXX must remove any item 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a collection letter in the amount of {$300.00} from CMRE a week after receiving a statement from my doctor 's office for the amount owed {$98.00}. This is XXXX of many instances of billing errors CMRE has pulled on me over the years. In many cases they say there has been numerous attempts to collect outstanding medical debt from me that I had never received a bill for from either the doctor or the collection agency. I pay all debt in full when requested in a timely manner always. I have never had to make payments on my debt. A collection agency should never be involved in handling my billing. I could have rushed to pay the {$300.00} bill from CMRE never considering if the amount was either correct or justified. Who knows if they would have ever saw the problem and refunded me.
Product: Debt collection

On XX/XX/XXXX Wells Fargo violated FDCPA federal rules by making a collection call prior tXXXX XXXX XXXX XXXX  pst. On XX/XX/XXXX Wells Fargo attempted to justify violating federal guidelines by claiming in a letter that it was a COVID customer service call. Their letter states they called prior to XXXX am and that they are allowed to call between XXXX and XXXX. Fine. However calling at approximately XXXX XXXX is both a federal violation and Harassment!!!! There was no statement made that it was a Covid customer service call ... ..NO! Only that it was. Collection call. The call was made prior to XXXX XXXX in CLEAR violation of the FDCPA. I have made three payments to Wells Fargo this month. I am current!!! They need to remove any and ALL late fee charges ... .I have had two previous unresolved complaints against them. 

Im considering filing a small claims against a local branch manager if need be and take the {$1000.00} automatic fine for violating the FDCPA ... ..and apply it back to Wells Fargo late fees, OR Wells Fargo can get their act together and clear them off. 

I want my credit cleared of any derogatory remarks from all three major reporting agencies. I want my account reported as current. I show on their web page NO past due payments due. ONLY their late fees which stemmed from their failure to resolve in the past and now they continue to threaten adding more during the CARES Act.
Product: Debt collection

The account has been charged off by original creditor and I do not owe this debt collector anything as they do not own the rights to this debt and I never consented for them to obtain my personal information or for the original creditor to provide my personal information I feel as if my rights have been violated and I disputed the debt and feel as if it was not properly investigated and this needs to be removed asap! Ive also ask them to validation letter with no response
Product: Money transfer, virtual currency, or money service

I initiated an Electronic Funds Transfer via Google Pay Send / Google Payments Corporation ( GPC ) on XX/XX/XXXX, in the amount of {$8500.00}, which was debited from my XXXX  XXXX XXXX Checking Account ( XXXX ) on same date. 
To date ( XX/XX/XXXX ) GPC has failed to deliver said transfer to recipient, failed to provisionally credit my account, and failed to refund or return funds to me. 
Additionally, upon my verbal and written notification of error on XX/XX/XXXX ; GPC failed to conduct a timely, thorough investigation ; failed to correct error within 1 business day ; and failed to issue provisional credit for the amount in error, pending completion of investigation.
Product: Credit card

I, XXXX XXXX, am filing this complaint regarding Chase Bank 's failure to properly credit my credit card account after I sent three letters with securities and tender of payment to their corporate office. These payments were made in accordance with the Uniform Commercial Code ( UCC ) and United States Code ( USC ).

Despite Chase Bank accepting the payments, they have not credited my account or discharged the balance as required by law. Under XXXX XXXX ( b ), once a payment instrument, such as a negotiable bill of exchange, is received and accepted, the debt obligation must be considered discharged. In addition, according to 31 U.S. Code 5118 ( b ), any debt can be discharged by payment or tender of payment through legal means, including the use of negotiable instruments.

Chase Banks failure to comply with these legal
requirements constitutes a breach of contract and fiduciary duty, as they have not fulfilled their obligation to credit my account. Furthermore, under 15 U.S. Code 1635 of the Truth in Lending Act ( TILA ), I am entitled to fair and accurate account management.

Supporting case law, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), establishes that failure to properly account for and credit a negotiable instrument upon acceptance is a breach of contract, and legal relief is warranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX acct # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX  Account # 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 a account without my written instructions
Product: Student loan

I now have Moehla from XXXX. I have never been able to speak to a human. When loan repayment kicked in XX/XX/XXXX, I prepared by submitting my IDR back in XX/XX/XXXX and asked to have my PSLF recertified. I am 7 payments away from full forgiveness and meet the 10 year of federal government service. My ide results which were not provided in XXXX so I did it again in XXXX and was quoted {$930.00}. Now I started with $ XXXX in loans for grad and undergrad and already paid off all my private loans ( my mom paid that ). In school I also paid {$25.00} a month since XXXX until XXXX when repayment begin. With help from my employed Ive paid off over $ XXXX and never paid more than {$600.00} a month. Well, Moehlas statement was {$920.00}. I used savings to pay it in XXXX, fearing I would have a hit to my credit. It was hard. I immediately emailed them and asked for a review. I did not provide the link to my taxes, instead providing my pay stub in which more than $ XXXX is taken out of my check. Moehla the quoted me {$230.00} a month then a week later they said I was in the SAVE plan and that ended up being {$1300.00} - thats completely unreasonable and this is basically like a payday loan place or a loan shark. I cant imagine how any of this is legal. As a former XXXX XXXX and employee of the federal government I am disappointed that this program cripples so many people. We can never plan for a future if our 4-6 year degrees plague us for years to come. I am not opposed to paying until it is forgiven but I want to pay a fair amount.
Product: Credit reporting or other personal consumer reports

Someone opened a credit card with XXXX  XXXX with my social security. I have a hard inquiry on my credit without my oermission
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 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 and the HIPPA Privacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( only reported to XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX only reported to XXXX ), and XXXX XXXX XXXX XXXX reported to ( XXXX & Equifax ) has violated my rights 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

Hi, Around XXXX - XXXX of 2016 i fell victim to identity theft and my information was used to illegally apply for a loan from this company.This company allowed a fraudulent account to be opened in my name without my permission. 
I have been trying to reach them at the addresses listed on my credit report through certified dispute letters to get this cleared up for years to no avail. I also disputed the account with the 3 major credit bureaus only for them to respond to the bureau that the is " Valid and Verified '' while the company has not attempted to respond to any of my mails or try to fix this issue. I have suffered losses with this account reporting falsely on my credit. I had never heard of this company until they started reporting on my credit. All I want is them to remove this false data on my credit. 

This company is facilitating criminals in stealing identities and opening false accounts and allowing fake electronic signatures which basically waive your rights and enters you into some Arbitration Agreement. 

Company name : FLURISH INC DBA LENDUP XXXX XXXX, XXXX XXXX XXXX, CA XXXX
Product: Student loan

please respond asap IN WRITING Q : Is there a record or flag on my loans that show it was to be urgently and fully XXXX under SvC? Q : Is there any payment history that is hidden to XXXX, known only to mohela that might be a reason for the delay on the instructions? Q : Is there anything about this loan discharge that is more or less complicated than other loans in this category? Q : Is Mohela aware of the BD apps that are overdue?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX XXXX {$2300.00}.
Product: Mortgage

My mortgage company has broke an important promise, they put me in a forbearance plan for 4 months to pay a lesser amount of mortgage payment and that the rest of the money was going to be placed behind the loan and at the end of the forbearance plan i will automatically start making the regular payments, now they want to foreclose my home unless i pay {$9500.00}. this was all due to a hurricane disaster program recommendation by the mortgage company servicing my loan. sincerely yours truly XXXX XXXX. 

PLEASE HELP US SAVE OUR HOME!!
Product: Payday loan, title loan, or personal loan

Company : USA Cash Services I got an installment loan around XXXX or XX/XX/2019. Originally I had planned to pay the loan back early to avoid all the high interest accruing, but because I have medical issues and unpaid medical leave away from work, I have had a reduction in pay and I am unable to make the payments to this company. I have explained my situation to the company, but we were not able to come to a resolution. I explained that I needed some time to pay or to try to come up with an arrangement to stop the interest from accruing while I pay the balance down. I was advised that there is nothing that can be done unless I pay the balance in full. I explained that because of the time away from work, I am not able to make the i weekly payments, let alone pay the loan in full - I asked if there was ANYTHING that can be done, even if I made a partial payment. I was told that even if I made a partial payment, it wouldn't really make a difference because it would not be enough to keep it from going to corporate collections, and it would only go to interest. I can not afford to pay this loan at all because I have other bills that are more important ( rent, utilities, car payment, car ins, food, etc. ). 

I want to find a resolution, but I am very afraid that this will soon go to collection and will be added to my credit report as a collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED EXPERIAN, XXXX AND XXXX TO REMOVE FRAUD ALERT FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a home loan thru XXXX XXXX XXXX while in a chapter XXXX bankruptcy, during the bankruptcy my house burned down and the insurance paid the home loan off in full. A couple months later after that loan was paid off my attorney converted my bankruptcy to a chapter XXXX. XXXX XXXX XXXX was not involved in this at all as they were paid in full and were no longer part of the chapter XXXX. They showed up on my credit report as " discharged thru bankruptcy '' which is of course hurting my credit. I have filed a dispute with Experian twice and both time XXXX XXXX XXXX have come back saying that the information is correct. They were paid off in XX/XX/XXXX and they are showing the discharge of debt as XX/XX/XXXX. Report Number : XXXX Date Generated : XX/XX/XXXX. 
XXXX XXXX XXXX Account Name XXXX Account Number Mortgage Account Type Joint with XXXX XXXX Responsibility XX/XX/XXXX Date Opened Discharged through Bankruptcy Chapter XX/XX/XXXX/Never late. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$30000.00} Original Balance {$0.00} Highest Balance 10 Years Terms XX/XX/XXXX On Record Until - Balance Updated - I can not get them to correct this mistake, can you please help?