23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a credit card with XXXX XXXX XXXX XXXX XXXX. I got behind on payments. The account was sold to CKS PRIME INVESTMENTS. They used a company called XXXX XXXX for collections. On XX/XX/XXXX I received a letter from XXXX offer a settlement of paying 40 % of the XXXX balance which would be XXXX. On XX/XX/XXXX I made this payment via XXXX website under settlement offer and received an email for the payment. I went back a few weeks later Mid XXXX and noticed on my credit report CKS PRIME was showing a balance of XXXX still due. I disputed the balance with XXXX. The results came back in the same month stating CKS PRIME says the balance is correct and in collection. I then called XXXX spoke with XXXX XXXX on XX/XX/XXXX because when I tried to pull up the account on their website it said invalid reference number. He said the account was paid and resolved via settlement offer and sent back to CKS PRIME as settled. He then stated that's why you can't pull it up on Our website. I called CKS PRIME the same day. I spoke with XXXX XXXX, XXXX, XXXX, and XXXX operations manager. I was told by XXXX in operations that it was a simply fix. She would email XXXX and tell them too XXXX  the balance out because the could see the payment of XXXX. XXXX for the settlement offer. XXXX stated she would follow up with me once she heard back. On XX/XX/XXXX I followed up and was told by customer service that the balance had been fixed and the dept that submitted information to the credit bureau would update the acct.. but I couldn't talk with XXXXIt is still reflecting on my credit report. This acct was paid XX/XX/XXXX. The XXXX XXXX account should not be reflecting on the report because they sold the account to CKS PRIME. I have also sent letters to both XXXX  and XXXX  asking them to re- investigate this.
Product: Debt collection

On Friday XX/XX/XXXX I received a call from a person named XXXX with a company called XXXX XXXX. He stated he was trying to serve me and I had waived all my rights and needed to inform me that the following day I would be serviced between XXXX and XXXX. Never happened. He called agian on Monday XX/XX/XXXX. I soon determined that this was tied to a company called American Credit Financial. Their numbers are XXXX & XXXX. I was told my Claim Number was XXXX. Upon calling this place I was quickly transferred to a XXXX XXXX to which informed me she had a case against my social security number from XXXX XXXX ( I figured out is now owned by XXXX. She told me I had broken federal banking laws. Then transferred me to a XXXX XXXX or something like that. He proceeded to tell me that he was processing a claim against me for XXXX XXXX. I explained to him that this had bee discharged in a XXXX Chapter XXXX. He then told me he needed my attorney number and because I didn't have it on me would tell the client that I was not making any arrangements and would move forward. Then he disconnected the call. I contacted XXXX ( XXXX XXXX ) only to be told they do not associated with this company and have no record of dealing with them. To me this sounds like a SCAM! 

I just want them stopped. 

XXXX XXXX XXXX
Product: Mortgage

In XXXX Arvest Mortgage merged with Arvest Bank. My paper statements stopped coming. So I went online and switched to paperless bills. Those emails never arrived. After spending 45-60min on hold several times, I gave up trying to reach them and just looked up the payment amount online and paid that every month. 

Problem is when my payment changed, I don't receive a bill to know. So when I send in my XX/XX/XXXX payment and it's ~ {$70.00} below the new payment amount, they don't apply the payment or tell me it's short. They just put it toward principle and let the account go overdue. Luckily, I pay the next months mortgage mid month so I was never late enough to be fined. 

But that is their goal. To make the account overdue without any notice to the customer so they can accrue fees and hopefully work toward foreclosure. It's why lenders like them have to buy mortgages from other lenders, because nobody would choose to work with companies as incompetent or dishonest as them. 

When I checked my account this XXXX, I found out I've had late payments all year. So I called to find out why. That is when I was informed by their customer service that I was not signed up for paperless statements and the lady on the phone told me she would sign me up. 

But if I wasn't signed up, they were required by law to send me paper statements. When asked why I had not received a paper statement since the merger in XXXX they told me the bills must have been lost in the mail. 

So I am to believe the USPS loses my mortgage statement every month for nearly 2 years but never loses any other mail or even the escrow statements and promotional mail sent by the very same mortgage company? 

Amazing coincidence that the USPS just manages to lose the one piece of mail every month that could help my dishonest mortgage provider increase profits through fines and foreclosures. 

Arvest bank is criminally negligent. They are required by law to send me a mortgage bill every month and they confirmed I have not been signed up for paperless so the absence of paper bills for nearly 2 years is criminal on their part. And their criminal negligence has been harming my credit for an entire year.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the Credit Bureaus dropped My credit score by over 120 points and didnt give me a full explanation on why, after Ive settled the account that has been the problem, no thanks to anyone because this account was originally fraudulent but everyone wanted to play dispute games, and nothing got resolved, until I received the letter of settlement and i figured this was my only way out, they didnt update the account as paid or settled.NONE Of them try to explain, and now im at the point where they wont answerer for phone for me, at least anymoreXXXX, Equifax, XXXX.you guys need to fix my score to the way it was before so far I have no negative accounts, and you didnt even update none of my current accounts none of you, and on more thing XXXX, I had a fraudulent inquiry and the bank said they sent you a letter so why isnt my inquiry removed? Any negative balances or whatever that you guys recorded from XXXX are now SETTLED.so check your info again and fix the problem, because this wont look good if this become a court case lbs.I have my proof, Ive done the things I needed to do, now its on your lack of urgency and negligence. To all parties involved fix it.Contact XXXXXXXX XXXX, All debts should be resolved
Product: Student loan

SOFI lending sent me an offer for a private student loan which I had some interest in for my son 's current tuition and cost of living. SOFI does not disclose any details on loan terms until after your application is approved so I submitted an application to see what the terms would be. After SOFI approved my loan I asked for the terms and found the terms nearly userous in spite of my stellar credit and asked them to cancel my application immediately which I was assured would happen. 

Within two days hence I recieved a " notice of disbursement '' to XXXX  XXXX and SOFI had released funds against my wishes. I called quickly and asked them to stop payment and they said " too late '' I would need to contact XXXX XXXX to return the funds putting the entire burden on my shoulders for their mistake. 

I have subsequently spent TWO MONTHS making more than 30 phone calls and countless hours negotiating the return of the funds between XXXX XXXX, State of VA, SOFI, and XXXX. The funds dissappeared multiple times for weeks at a time in the handling process leaving me wondering if they were permanently lost or stolen. It was so easy for SOFI to release funds without my go ahead, yet nearly impossible to get them returned. 

While this was happening the loan aged to a point where it was greater than 60 days past due, my credit file has been impacted along with late fees that SOFI wants to collect. 

All in All a horrifying experience mired in loan shark mafiosos tactics that need to be cloesly monitored for this fringe operator. SOFI seems to aim for the minimum standard of compliance and and may be operating below the legal compliance threshold to keep their cost low and profitability high. 

Their servicing arm XXXX was 45 days in arears on data flow and has kept me in their collection system long after the refunded loan proceeds were credited to my account, seems like a violation of law here. 

Please get eyes on SOFI and XXXX to straighen these systemic failures from ruining the lives of other unsuspecting consumers. 

SOFI needs to clean up their act or get banned from doing business in my state.
Product: Debt collection

Company bought debt that was near 6 years old almost time barred and immediately filed suit instead without sending 1st letter of collections and allowing the 30 day validation period. They say last payment was XX/XX/XXXX and I have a court date of XX/XX/XXXX. Per your mandate they should have placed that this was time barred debt on the letter they did send me but that was mailed on XX/XX/XXXX. stenger and stenger is literally seeing me after 6 years in TN limit and has obviously violated the cfcb and fair debt collection practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified letter to Portfolio Recovery Acct # XXXX, tracking number : XXXX and it was delivered on XX/XX/2022, at XXXX. This letter was demanding that they cease all communication on all mediums included but not limited to my consumer reports XXXX, XXXX and XXXX. 

I also sent copies of these letters to XXXX, XXXX and XXXX via certified mail letting them know that I refused to pay this alleged debt. As of XX/XX/2022, XXXX and XXXX have continued to report this inaccurate and false information. 

XXXX has failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA XXXX ( a ) ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning and thank you for reviewing my concern. 
After reviewing the entire credit profile, XXXX XXXX placed a collection on the credit profile after being resold by the original credit profile. This improper credit reporting compromised credit profile and creditworthiness.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent A certified mail with a FTC report to XXXX, XXXX and Experian. My Experian had repo flagged because of credit acceptance have flagged the account for a repo that was closed on XX/XX/XXXX when I went on XXXX XXXX XXXX is still reporting to XXXX with payments which that is false documentation when I called XXXX XXXX is still getting a report from Acceptance saying that the account is still open on one of my other credit acceptance!! saying that it is closed the account is closed for a repossession and I asked XXXX and XXXX to remove it because I have documentation from the FTC report that account is no longer open. Which is a Violation to my consumer law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : SANTANDER CONSUMER USA Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft since 2017. I still have Louisiana XXXX XXXX XXXX, us bank, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  and a few other still reporting that these accounts are owned or are charge-off I filed a report with the FTC and they are still sending me to collections or suing me for the monies owned on these fraud accounts. I had paid all the accounts off in 2017. Then I got rob at XXXX time in 2017 all my cards were stolen and my social security card they even filed false income taxes with my social security number. Recently in XXXX all these creditors reported again to all credit bureaus and it s all on my reports like new information! everything PLEASE HELP! I  will be going to court again in XXXX for one of them suing me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is not the correct address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and all variations of this name is not correct XXXX, XXXX XXXXXXXX, Is not my place of employment please remove these variations of bureaus reporting inaccurate names, addresses and places of employment
Product: Credit card

I received a late notice on my credit monitoring service. I NEVER pay accounts late so I called 53rd to see what happened. They stated a payment was late. I asked how and I set up automatic withdrawal. The customer service rep apologized and stated it wasn't set up correctly. They stated it was something on their end which caused the error. He apoligized and asked could he take the payment over the phone. I asked could he check while on the honee with me that I set it up correctly. He did. However they took XXXX deposits out my account, then credited one of them back. 

My credit report is still reporting late but by no fault of mine. The customer service rep stated himself that it was 53rd fault. However, my credit is affected because of this. 

I called and talk to XXXX supervisors and they did not thoroughly investigate the situation and I feel they are hiding the fact that they messed up.
Product: Credit reporting or other personal consumer reports

Submitted Disputes to XXXX for several late payments that appeared incorrectly on my credit report. I submitted a complaint for each company to remove the incorrect late payments and to update my accounts as up to date/no late payments. I noticed that each of my disputes, although for different companies XXXX XXXXall have the EXACT SAME report number of XXXX XXXX and none of the accounts were ever updated to PAID AS AGREED/NEVER LATE. I know that XXXX never even investigated any of my disputes. I request to have all of my accounts that i disputed to be updated immediately to PAID AS AGREED/NEVER LATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple incorrect and unauthorized credit inquires 1. ) XXXX XXXX XX/XX/XXXX 2. ) XXXX XXXX XX/XX/XXXX 3. ) XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XX/XX/XXXX 5. ) XXXX XXXX   XX/XX/XXXX 6. ) XXXX XXXX XX/XX/XXXX 7. ) XXXX XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. Synch /XXXX XXXX XX/XX/XXXX 10. ) Synch/ XXXX XXXX XX/XX/XXXX 11. ) Synch/Wal-Mart XX/XX/XXXX
Product: Student loan

In the Summer of XXXX, I was given a letter of default of my student loans. I was still in school and had not graduated yet. I went to the financial aide office at XXXX University to get it fixed, and they informed me that it was corrected and that there was nothing else to worry about. The student loan provider, however refused to reverse all the procedures that go along with being in default, including compounding all my loans and adding all my interest from unsubsidized loans to my principal. Along with that, the interest rates that were charged to me were far above the federal limit at the time. as much as 11 %, if memory serves me well. This stayed attached to my account until I graduated in XXXX. Upon graduation, I was informed that I had a principal amount of XXXX dollars that I owed... The total amount of all my education without interest was XXXX dollars. This is all due to the servicer that compounded my loans. I was forced to move them all to private loan providers, because I could not afford to pay the minimum monthly payments to the loans. I was also informed that the monthly income-based repayment option was more expensive than the non-income based repayment plan. Since that time, I have shuffled through private loan providers for 11 years, paying back ~ XXXX. I still owe XXXX today ( XX/XX/XXXX )... I recently found out that Navient and XXXX XXXX ( both of whom I had my loans with ), had a lawsuit and lost where it describes exactly what happened to me. I just want justice for this unlawful activity. The federal government refuses to acknowledge that I owe any money for student loans because they are considered " paid in full '' on my account. This is because I had to move them into private loans. I want these outrageous loans to be XXXX. I am currently with XXXX, and they claim that the only way to make the loans go away is to sue Navient ( a company that no longer exists ).. I am completely out of options at this point. I am a useless contributor to this country if i spend the rest of my life paying for my student loans like this.
Product: Credit card

Barclays Bank jetblue credit card sent me a card with a new expiration date by mail since it was about to expire in XX/XX/XXXX. While I was waiting for my credit card in the mail, I received an email saying that my card was activated when Ive NEVER received the card and I DID NOT activated it. Someone stole it and used it and made a transaction for {$2600.00} in a car dealership in XXXX, over XXXX miles away from my house. 


IMMEDIATELY, I called Barclays JetBlue Credit card company to inform them of the theft. They removed the fraudulent amount from my credit card and sent me a new one with a new number. I thought that issue was taking care by the BARCLAYS BANK since it was a fraudulent transaction. 

Unfortunately, XX/XX/XXXX, Barclays Bank placed {$2600.00} back onto my credit card, when Ive NEVER authorized or validated it anyone for that purchase. I have never made that transaction neither did I got any benefits from that. 


XX/XX/XXXX, I got a letter from Barclays Bank letting me know that I was not responsible for that fraudulent transaction and removed the fraudulent activity from my credit card. 


HOWEVER, what makes me concerned about this letter is that last paragraph says that if the merchant is able to validate the transaction again, THE TRANSACTION MADE BY A THIEF WHO STOLE MY CREDIT CARD, Barclays Bank could place the fraudulent transaction of {$2600.00} back onto my credit card. REALLY!?! 


Barclays Bank still continuing with threats, harassment abuse and mistreatment towards me. 

I have never gone through a situation as stressful and traumatizing as what I am going through with Barclays Bank. 

If someone stole and used my credit card, Barclays Bank and the merchant will accept/ validate this transaction without asking for an identification, notifying me or verified me by email or text message if this transaction was made by me. Are Barclays Bank trying to hold me accountable in the future for a fraudulent charge that a thief/scams made with my credit card?. They need to remove this amount from my account definitely.
Product: Bank account or service

I signed up for a new checking account with US Bank on XXXX XXXX via an emailed promotional code ( pic attached ). The promotion promised a {$150.00} bonus for completing XXXX bill payments within 60 days of account opening. I completed the required bill payments on XXXX XXXX ( pic attached ). It 's been well over the stated 60 days since meeting the requirements for US Bank to honor the promotion. I have contacted US Bank via their XXXX #, as well as visited their local branch multiple times to inquire about this and get resolution to no avail. It was confirmed to me by a local banker that I successfully met all requirements, however was told there was nothing he could do and that an internal department only had control of crediting customer 's accounts. Nothing has come of that. I 've been passed around and given excuses for weeks. I have documentation of the promo code email used to open the account, the qualifying bill payments, as well as a screenshot of the original public offer from US Bank 's website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been charged {$10.00} from XXXX, Equifax, and XXXX on XXXX XXXX XXXX to freeze access to extremely important personal identity information. I did not ever give them permission to collect, distribute, or sell this data. That data has now been leaked through no fault of my own, for reasons out of my control to the world at large. I have tried to contact the companies in question to obtain a waiver for these fees but they will not cooperate. 

They have taken my credit and identity information without my permission and they have lost it, but they refuse to take responsibility and still expect the people whom they have wronged to pay THEM to fix their mistake.
Product: Checking or savings account

I had lost my cashapp card late 2024 around thanksgiving time walking from work to home & my card was unlocked somebody found it & spent money off it before I could lock it back.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 reporting

I filed bankruptcy and XXXX 2015 and it was discharged in XXXX 2015. Debts included in my bankruptcy started coming off my credit reports on their own and the ones I did dispute I received a quick response and they were removed. I 'm having an issue with XXXX I have disputed it many times to all three credit reporting bureaus, on the most recent XXXX I sent a copy of my bankruptcy petition and the result was they updated it on my report saying charged off sold to another lender but, yet on a privies dispute about two months ago they updated reports with status as included in chapter XXXX bankruptcy and now they have changed it to the charged off status. On last dispute XXXX would n't accept my dispute because I had previously disputed. The dispute case numbers I provided above are the most recent ones. XXXX is showing up as derogatory and negative on my reports which is affecting my credit score as I am trying to build my credit. I 'm having success rebuilding my credit except for with this company reporting incorrect information on my reports. This is the only negative thing on my reports. As I am looking to the future trying to buy house with my husband, obtaining certain credit cards ( which I am using responsibly ) or loans to help build credit I 'm not able to because of this derogatory/negative incorrect information being reported.