23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by this company in 2016 in regards to money that I allegedly owed my previous apartment complex. I left this apartment of my own free will, when my lease was up. Prior to this, I had not been notified of this supposed debt by the apartment complex, although they had my contact information as well. When talking on the phone with this company, I asked for a receipt of this supposed charges, and they told me they could not provide one. They also told me I would need to contact the apartment complex to get a receipt. I did that in 2016, and to this day I have not been sent a receipt from either company detailing these alleged charges. I was also never told that I could dispute these charges within 30 days, and the debt collector would have to validate the charges themselves. In addition, since I was originally notified of this alleged debt in 2016, the amount owed as continually gone up. They are now claiming I owe almost {$300.00} more than the original amount.
Product: Credit reporting or other personal consumer reports

Hello, I am a victim of identity theft, there are XXXX cards with XXXX opened on XXXX XXXX XXXX and XXXX XXXX XXXX Those credit cards were opened fraudulently, I spoke with XXXX and told them that those accounts are fraudulent, but they still appear under my name in credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, BK OF AMER # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX # 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.
Product: Vehicle loan or lease

I purchase this car in XX/XX/XXXX and keep the car until XX/XX/XXXX at which time I did a volunteer repo. The car was sold to me at XXXX and at the present time XXXX still say I owe XXXX in which I paid {$420.00} per month for five year and the car was sold. They will not tell me Im which the car sold for.
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate information on my consumer report.
Product: Debt collection

I was recently contacted by a number from XXXX, Virginia ( XXXX ( XXXX ) XXXX ) Who claim to say that I owed a debt of just shy of {$1000.00} for an account that I had apparently 15 years ago when I was 17 years of age and was closed last Thursday they proceeded to contact me and explain to me if I would like to resolve the debt or go to court over said that which I informed them that I dont remember that account which day then proceeded to explain that if I would like they would take legal action. Now with me understanding that this debt could possibly if at all exist be over 15 years ago obviously I informed them to take legal action if that is what they felt necessary to do. Which then a Processor proceeded to call my family member and leave him voicemails regarding case details and order numbers etc. which was then forwarded to me I have not personally had direct contact with said person. They left in the voicemail a phone number to a person or business in the XXXX XXXX California area ( XXXX ). Which I then called and explain to them that its been 15 years if that even existed and you cant proceed legal action which I was then hung up on so I called back to try to verify they were even carrying the correct information to ensure that I was delivered my legal papers properly which to no avail was continued to be hung up on. Now I am in concern they will actually follow through with legal course of action without actually delivering papers to me in order to get a judgment in my absence and claim that the paperwork has actually been delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to XXXX disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION : Last verified '', ''closed date '', ''last payment '' and ''creditor remarks ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED. 

In addition, I have been sending dispute letters to XXXX and they have FAILED to update the ''dispute status '' of this account. 

According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against XXXX credit bureaus and ( XXXX  XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Consumer Loan

I have this company Drivetime calling me at XXXX and up to five times daily.
Product: Credit card

I am writing to dispute inaccurate information on my credit report. The account in question is with Discover, and the details are as follows : Amount Due : {$1000.00} Charge-Off Date : XXXX  Reported Closed Date : XX/XX/year> The inaccuracies I am disputing are : Incorrect Amount Due : The account was charged off and reported as closed on XX/XX/year>. However, my credit report inaccurately shows an amount of {$1000.00} due. 
Inconsistent Payment Reporting : Discover reports the last payment as XX/XX/year>, but the calendar on the same profile shows an unknown status for XX/XX/year>. 
I have filed three disputes regarding this account, but each time Discover has reported the information as accurate. I am requesting that the credit bureau investigate these discrepancies and correct the inaccurate information on my credit report. 

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

Ive notified these credit bureaus XXXX XXXX and Equifax, several times, and let them know that these specific items from XXXX XXXXXXXX XXXX  and XXXX XXXX, XXXX are fraudulent accounts and should not be reporting to my credit report. Theyre telling me that these accounts are verified, but never send me proof. I need these items deleted from my credit report immediately.
Product: Debt collection

Original CFB Complaint # : XXXX & XXXX On XXXX XXXX 2016, I received notification from the MT AG, whch stated that Stellar Recovery notified them that they contacted the OC and was not able to verify this debt. And that they have ceased all reporting and collection activity. Somoene is lying, because this is listed as a closed case, that is PAST DUE on my CR, which affects my credit. Stellar Recovery needs to properly send a cease and remove letter to ALL CRAS that they reported this debt to IMMEDIATELY! IT DOES NOT BELONG TO ME! Therefore you are aiding in ruining my credit! Remove this NOW! 
Record # : XXXX.
Product: Bank account or service

On XXXX XXXX, 2015 I log into my online Banking and another fraud Transaction was unauthorized by Navy Federal Credit Union for {$20.00} from the XXXX I never been there and I did authorized anything to be withdrawal from my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a verbal agreement with XXXX XXXX XXXX that reads as follows : I ( XXXX XXXX ) will down pay {$300.00} for delivery of a new XXXX XXXX XXXX ( here on " XXXX '' ) and pay {$200.00} within 1 day ( 24 hours ) of receiving the XXXX.Failure to pay within 24 hours, except in circumstances outside my control, will increase the price by 5 % per day after the due date. You ( XXXX XXXX ) are solely responsible for the delivery of the XXXX and are to share tracking info as soon as available. The XXXX is to be delivered within 1 month ( 30 days ). Failure to deliver within the timeframe, except in circumstances outside of your ( XXXX XXXX ) control, will occured a refund of 5 % of the total cost. After 2 months ( 60 days ) the item will be considered not delivered and will be refunded at 110 % of the total value ( {$500.00} ). '' On XX/XX/XXXX : I sent a message to the seller : '' '' Again any updates. No response and I will ask for a refund.Within 24 hours '' Two months have passed. 
The item was not delivered and contact has been cut. 
I requested a refund from Zelle and XXXX XXXX on XXXX XXXX.
Product: Credit card

I am writing to dispute a charge of {$100.00} to my credit card account on XX/XX/2023. The charge is in error because we did not receive any statement notification via email between XX/XX/2023 XX/XX/2023. Due to this fact, and that we did not receive any paper statements as well, after the account went past 60 days due, I am disputing all charges on the account after XX/XX/XXXX, less the {$2.00} mandatory interest fee that item has been paid with the {$43.00} payment made on XX/XX/2023. 

I received the XXXX statement on XX/XX/2023, and my husband proceeded to pay the balance of the account on XX/XX/2023, of {$130.00}. After that payment, I did not receive any notice of a balance due until the XX/XX/XXXX statement. At that time, my husband made a {$43.00} payment to bring the account back to current, waiting to contact you after the new year and the holidays. Because I did not receive any email, or paper statements, as stated above, and the obvious intent at the time was to pay the balance off, I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement showing a XXXX balance on the account.
Product: Debt collection

I was notified of my being sued with Portfolio collection company. I have tried t reach out to them to no avail, they never answer and never get back to you. I am XXXX and can not sit on the phone all day waiting for them to answer. I have been told by my bank that there was credit card fraud on my account as well as fraud through my debit card. The bank advised me to file a report with the police which I did do. They also told me to contact the credit bureaus as well which I did, I thought everything was straightened out when I received in the mail a notice that Portfolio was suing me for over {$7000.00}. Can anyone help me with this matter? I am going to answer the complaint as well at the court house but wanted some advice of what to do?
Product: Vehicle loan or lease

I had an auto loan with BB & T. That is who the car dealer went through I suppose. Last month my bank ( XXXX XXXX XXXX ) wanted to take the loan as I do all of my other business with them. All the arrangements were made, received the payoff amount and the deal was done. XXXX paid off my loan with BB & T and took over my loan. I received a refund check from BB & T around XX/XX/19 for over payment of the loan in the amount of {$13.00}. Soon after that, I received the verification letter from BB & T stating that my loan was paid off. This letter was dated XX/XX/19. On XX/XX/19 BB & T took another payment of {$490.00} for my loan that was already paid off. I tried calling them but the contact numbers that they have listed are almost impossible to navigate to a real person. Spent about an hour and a half calling and trying to get through to someone. I started posting on their XXXX page what had happened and got a response from a XXXX. She had said to send an email to them ( and gave me an email address ) with all of my information. I sent it and have not heard anything from them. This is my money. I consider it theft. They took money that did not belong to them and I would expect that they would get it it reversed just as fast as if they would have made a mistake in my favor.
Product: Debt or credit management

No I with some on cash app a little while ago, I told them I was having issues with unlocking card lock card system it was giving me a error, they deactivated my card and send me a new one, which I didn't need and which is on my time and time consuming,
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting with equifax auto consumer reporting agency I have working address, wrong date of birth, wrong social security and wrong accounts. 

XXXX have the same issues but anothers different address and accounts doesnt belong to me.
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$21000.00} is wrong, and so is the past due amount of {$0.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Account Name : XX/XX/XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$12000.00} is wrong, and so is the past due amount of {$0.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Thank you, XXXX XXXX
Product: Checking or savings account

I deposited a check for {$3000.00} on XXXX XXXX, the same date the check was made out for. The check was from the school district I am employed by, who also uses JPMorgan Chase Bank.The next day, I was notified that a hold had been placed on my deposit until XX/XX/2022. I went into the branch with the check to figure out why I was having this issue, and was directed to the customer service line specifically for removing holds placed on deposited checks. They notified me that the funds were not made available by the payor of the check. I contacted my employer today, XX/XX/2022 and was told that the funds were available. She called Chase bank and they confirmed this. After my employer notified me of what Chase told her, I called Chase again. I was given the same information, the funds were not available and I would have to wait until the XXXX there was nothing else they could do even though both the payor and myself bank with Chase. After checking their website, I found that they state the longest hold placed on a check deposit should be 7 business days and that at least {$250.00} of the amount should be made available by the second business day. I feel that the misinformation I have been given and the fact that they are withholding my paycheck for 12 days warrants a complaint and would like action to be taken.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$7800.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX on XX/XX/2023 i collection was placed on my credit report and shows as a revolving i do not a have contract with this company i sent out letters on XX/XX/XXXX requesting proof of ownership proof of original paperwork my request was ignored my and was continued to get calls after i requested to stop getting calls from them
Product: Credit card

A late payment was made to AMEX but the account was paid in full within XXXX days. This late payment triggered the usual late fees but also triggered an interest payment in the first month of XXXX {$95.00} and a second month of interest of XXXX {$65.00}. The effective APR for interest charged for XXXX days of late payment but then paid in full equates to an effective interest rate of over 100 %. While this XXXX month revolving balance interest calculation is no doubt contractual agreed to, it seems blatantly against public policy and likely criminal usury.
Product: Checking or savings account

Citibank closed my checking account without any notification to get out of paying the promotional bonus fees they have advertised. I opened the checking and savings combo for the {$500.00} bonus, which states that an overall {$15000.00} balance needs to be kept for 60 days. The only requirement for both accounts to be kept open was to have the overall balance of {$10000.00}. I had more than {$15000.00} in the savings from XX/XX/XXXX to XX/XX/XXXX and they still closed the checking, thus there is no way to receive the bonus. I have contacted their customer service over the phone on XX/XX/XXXX, when they explicitly stated that I will not be paid out. I am removing the funds out of the account today, XX/XX/XXXX. 

The chat is included below where I asked why my checking was closed, agent said that it was due to need for higher verification and can be reopened. This is untrue when I called, as they claimed it was closed due to non-existing prior deposits, also untrue as I deposited {$4900.00} from the savings account into the checking account on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX , and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Product: Mortgage

Nationstar of Texas took over XXXX mortgage after XXXX. Initially Nationstar phone rep granted opt out for Escrow, then they later renigged. Because of XXXX affiliates XXXX and XXXX Escrow violations payment is being sent via US Postal money orders dividing principal/interest, ins /tax and their declared XXXX th overage. They have invented a Forebearance Suspence account holding Escrow and overages and charging late fees because it is n't a lumped cumulative payment, also declared default during transition. Same strategy as XXXX and XXXX, blackmail credit rating with highly questionable balance manipulation,,, ,result will be a Postal Fraud claim ultimately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt has surpassed the statute of limitations. The date of last of activity was XX/XX/XXXX, the SOL is 3 years in maryland, yet it still appears on my credit report despite me contacting the company several times. This company is inaccurately reporting on my credit report a payment made in XX/XX/XXXX however, no activity has been made on this account since XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Spoke to representative to verify inquires on my account that are not mine or to verify what accounts are reporting on my credit and i was given no answer but to call the companies individually. I also cant access my credit reports from XXXX and Transunion.
Product: Student loan

In XXXX, I took out a Discover student loan to attend graduate courses at XXXX University. In XXXX, I dropped down to less than half time due to health issues, and the loan went into repayment without my knowledge. Discover sent me an email saying they were going to charge off my loan on XX/XX/XXXX. But then the charge-off never happened. Now they are sending me emails saying they want to charge it off now. I went online to look at my credit report, and the company only has the loan information from XXXX on there. Theres no missed payment information from XXXX. 

I called the company once before to discuss this, and they were threatening me over the phone, so I decided to never contact them again about it since they dont want to help people. I was struggling with health issues, wasnt working, and couldnt afford the payments. ( I was staying with my boyfriend at the time who was supporting me. ) They just want to bully and intimidate you into giving them money that you dont have. 

My first missed payment was in XXXX or XXXX I believe, after I had dropped down to part-time. 

I believe the company is dragging out the process as a deceptive practice to buy them more time to collect from me, as the statute of limitations is 7 years, which their 7 years is already up if the repayment started in XXXX. 

Attached is an email I found from XX/XX/XXXX saying that I had a missed payment. I know I had some starting in XXXX or XXXX though. Also attached is the email from them saying they were going to charge off the account on XX/XX/XXXX.
Product: Debt collection

XXXX, XXXX, & XXXX XXXX have threatened and opened lawsuits for a persons debt that does not belong to us, and continues to send us mail. On XX/XX/2024 we rejected a summons which we can only assume is a lawsuit. The debt for XXXX XXXX XXXX is not ours, not tied to either my social nor my husbands. Weve informed them and their debt collection agency, Midland Credit Management, of this over certified mail multiple times.
Product: Credit card

I had credit card insurance with Capital One on the Capital-One credit card that they are not honoring in the event of my past job layoff. I 've submitted disputes to credit reports and even submitted a letter to Capital One asking them why they are not honoring the card insurance that they offered for their cards. I had to pay a per monthly fee for that card ( at that time ) and submitted all original paperwork ( at that time, which I no longer have in my possession ) to Capital One, Capital One/Dominion Law " claim '' no one can find the original contract, well ; why am I still being held liable if they can not find the original paper ( not digitally altered ) contract that had my signature requesting with that additional check mark that I 've applied for card insurance to keep myself protected?