23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I entered a COVID-19 hardship payment agreement with Elan Financial Services , requiring XXXX XXXX  monthly payments for 60 months. Despite making my first payment on the same day, XXXX reports showed the account as " closed '' on XX/XX/XXXX, with a last payment date of XX/XX/XXXX. Elan Financial Services refused to discuss or fix this error. 

By XX/XX/XXXX, my XXXX report showed the account as delinquent as of XX/XX/XXXX and " charged off. '' These inaccurate reports have severely harmed my credit score, will increase the interest rates for my XXXX XXXX college loans, and will limit my ability to rent an apartment or qualify for other personal loans.
Product: Debt collection

I received a bill for XXXX from Continental Central Credit , Inc supposedly for XXXX XXXX. I called this collection agency and they do not answer their phone. I called XXXX XXXX and they said I have a XXXX balance and will be sending me a statement. The hospital where I receive XXXX XXXX was hacked and medical and personal info was taken. I think this is a scam so they could get a small payment and then use this info to drain my account.
Product: Credit reporting or other personal consumer reports

I have requested several times for the company to validate and provide me with the method of validation of the accounts in question. They refuse to do so. My next step is contacting my attorney general and XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Settlement agreement established with a lawyer debt service in the form of a payment plan. Documents sent as per their ( Bank of America 's ) instructions, through normal legal proceedings and accepted. Months later they are proceeding to harass me and my lawyer, and threatening a judgement, despite that the payment agreement was signed, accepted, and they are receiving the payments on time through the legal counsel. Now they are demanding that the original documents be sent to them immediately. They did not provide this in the initial instructions, they are not cooperating with me or my legal team. Original documents are not required in normal legal proceedings, especially those done now over the internet with things like docusign, etc. Why is this just now an issue months later? I requested a postage paid self addressed envelope from the lawyers Bank of America hired ( XXXX XXXX XXXXXXXX ), they responded " if you do not send it in then we will just seek a judgement ''. This would be an illegal action, and breach of contract/agreement signed, as they already accepted the copy and are receiving payments. I would like to resolve this and stop this harassment. This whole process has been going on for about 9 months, and it has been very unpleasant and I have felt harassed this whole time. I have a legal team handling my debt, and they have not been able to work with the other lawyers with Bank of America in a friendly manner. They acknowledged that I was in a debt plan, but refused to work with my laywers, forcing me into a agreement, that is not a settlement, with the only other option being a judgement, which was what the debt program was supposed to help avoid, as I am trying to fix this, but getting resistance, bullying, and harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 
XXXX {$14000.00} XXXX {$1600.00} XXXX   XXXX {$87.00} XXXX XXXX {$26.00} XXXX XXXX {$1700.00} XXXX {$1600.00} XXXX {$880.00} XXXX XXXX {$50.00} XXXX {$59.00} XXXX {$230.00} XXXX XXXX {$1700.00}
Product: Debt collection

Broken lease that was placed on my credit report account with XXXX on or about XX/XX/XXXX for collections in the amount of {$2400.00}, with XXXX XXXX XXXX / XXXX Oringinal Creditor. This debt was scheduled to be continue until XX/XX/XXXX. I XXXX XXXX applied for an apartment and was denied, because I was informed I owed National Service Collection Buerau /XXXX {$2400.00}. reported XX/XX/XXXX,. I tried to contact XXXX XXXX XXXX In XXXX Az. I was told they went out of business in XX/XX/XXXXand were bought by XXXX XXXX XXXX per my conversation with the leasing manager XXXX XXXX on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have reach out to XXXX XXXX XXXX XX/XX/year> by phone at XXXX to asking them to verify this account and they are refusing to validate this collection I was told that I needed to have the full account number in order to get information about the account but I am unable to provide them the whole account number because on my credit report is only showing XXXX out of XXXX digits I also asked who I needed to contact to obtain the full account number and I was told that they didnt know they are illegally reporting on my credit report I have no contacts with this company and they are refusing to provide me with any information about this account. 


I reached out to XXXX XXXX XXXX XX/XX/year> at XXXX and the person whom I spoke with at refused to give me a name and hung up in my face once I told them that I was calling to verify an account and gave her my account number and a called back at XXXX and spoke with someone else and was told that they could not give me any information about the account unless a gave my full social security number I told them that I wasnt comfortable with doing that because I dont know who the company is and if there was any other way that I can verify this account and was told no and the phone was disconnected once again!
Product: Mortgage

Back on XX/XX/XXXX sent proof of payment using XXXX XXXX, my mortgage company was not showing me making a payment on XX/XX/XXXX. I noticed this after i checked my payment history and that payment was not showing. I would call Specialized loan servicing and file the complaint of missing payment, I sent proof of making payment with a receipt from XXXX  payment showing I had the correct account on that receipt. XXXX XXXX XXXX verified my account number was entered correctly by printing out a close d transaction statement made with XXXX  for that same day XX/XX/XXXX. I kept opening up that case for review of missing payment and SLS would keep closing due to they need more into. I sent the receipts again along with my bank statement showing the money went out of my account. Ive contacted the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by email with proof of payment each time and each time they would close my case and need more proof. In the meantime several several phone calls made to SLS to make sure they didn't close my case and yes they would close case so I would have them reopen. XXXX XXXX XXXX was able to get the right person for XXXX to find out what happened to the payment, XXXX  has sent them and now I have the letter that my payment was reject from my mortgage company due to incorrect account number or account closed. I promise you everything I have sent has the Correct Account Number on it. I can email all my proof of payment. I am trying to refinance my home and this is stopping me due to my mortgage company shows late payment for 6 months. Now i know that the payment really was not receive due to my mortgage company rejecting payment, XXXX XXXX XXXX had the money sitting in booking and that took awhile to track where the money was at. Book keeping has the letter from XXXX and the money verified sitting in XXXX XXXX XXXX account. XXXX XXXX XXXX did not notify me of rejected payment nor did my mortgage company. In fact I call the escalation desk at SLS do let them know they rejected my payment. The employee went back through account history and they do not show my payment being rejected for XX/XX/XXXX, so i was never notified by the mortgage company as well. please help me fix this, I am trying to Re fi my home and this is stopping me. Thank you
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX of the Student Loan close accounts on my credit report They both are charge off. Using the 15 USC 1692g validation of debts, I don't recognize how this account Is reporting on my credit report. I do not recognize the account number. I do not recognize the account Status. I do not recognize the account High balance. Nor do I recognize the late payments associate with it. Everything reported here does not meet the FCRA. I didn't receive any 1099-c from these company. Also, the balance is {$0.00}. It shouldn't be on my credit report.

In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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. 

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

Where does it state that late payments should be legally reported on consumers Credit report in the Consumer laws. 
Do you have proof in the law that late payments are legal and lawful on consumers credit report If its an open ended credit, Finance Charge is the sum of all charges Was the orinal contract fair, Clear, Conspiciouse, Proveded full disclosures of the Finance Charge, Holder in Due Course XXXX rule. 
Wet Signiture Notarized Legal in the first place
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts ; XXXX XXXX XXXX XXXX US DEPT ED XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 CBCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, I deposited a check for {$62.00} in XX/XX/2016 in Chase Bank. The bank claims that they never received it and reversed the amount from my account. Meanwhile, I have a copy of the endorsed check from XXXX ( which issued the check to me ). I have tried resolving this with Chase to no avail.
Product: Debt collection

Repeated phone calls at all hours from XXXX, XXXX, NH. Company called LVNV Funding. Attempt to 'collect ' a debt closed in 1990.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/23, my information was stolen and used to apply for a Barclay 's credit card. I called Barclay 's and spoke with the fraud department. They closed the account and stated they are not authorized to share the application that was submitted. 

I have the right to a copy of the application that was submitted using my information. To resolve this issue, I will need a copy of the application which includes the address and phone number provided by the individual that fraudulently opened the account. I intend to press charges.
Product: Student loan

For three years, I submitted the appropriate documentation to XXXX XXXX for deferment of my XXXX Loan towards cancellation. Three years in, XXXX XXXX was bought out by XXXX XXXX, and this is when I began having issues. XXXX XXXX  claimed they never received documents mailed directly to their PO BOX ( with PII ), or never received faxes. ( I faxed my documents to XXXX XXXX with zero issues for the previous three years ). Finally when the five years ended and I was able to officially cancel my loan, I was told that I didn't meet the requirements. To me, if I didn't meet the requirements, the three years of paper work with XXXX XXXX and the one worth of paperwork with Heartland  should have never been approved. The first time it was denied, I requested to speak to a supervisor and was told that supervisors did not have phones and therefore I could not talk to one. They said I could resubmit for secondary review. I wrote a letter describing why I was qualified, and provided five years worth of documentation that I had been deferred towards cancellation. Again, I was told these documents were not received, and was given an email address to send the documents to. Upon Supervisor review, I was told that my job description did not meet the requirements towards cancellation ( the same job description I had provided for the past 5 years ). If this job description was not good enough, then why was it approved towards cancellation the past five years? I again called Heartland and told them I was going to report them to the CFPB. It was then that they said " you've said one of our key phrases, you may now talk to a supervisor ''. I told them what I had been told previously about the supervisors not having phones. They said that information was incorrect. After speaking with a supervisor, I faxed additional supporting documents ( letter from my supervisor and a more detailed job description ) regarding my position, to justify it meets the loan cancellation requirements. I contacted Heartland and they stated they had received no such documents ( this same thing was told to me almost every time i submitted documents to Heartland ). I then mailed the documents and am currently waiting for them to be received and reviewed by a supervisor. Currently, this issue has NOT been resolved.
Product: Checking or savings account

I had a large charge in the amount of {$1300.00} from XXXX clear my account on XXXX. However, the transaction took place on XX/XX/31. I rendered services to them by carrying a hitched trailer to the XXXX I rented. The agreed amount for this service was {$620.00}. Funds would not be dispersed back into my account until the trailer was dropped off. Trailer was dropped off on XXXX. I received an email from XXXX advising funds to have been dispersed and I should see them back into my account within a few business days. On XXXX I called chased to file a claim regarding the funds because I had contacted the merchant on multiple occasions and they have advised it is not them, but it is my bank. Chase had not been willing to release the funds that they have received. Instead, they have allowed my account to overdraw, and they have decided bills to pay or not to pay which had they released the funds, this would not be an issue.
Product: Credit card or prepaid card

on XX/XX/XXXX, called to cancel our Chase XXXX XXXX credit card, phone # on the card is XXXX XXXX XXXX was on hold and transferred at least 3 times in an effort to cancel the cc. was asked various financial questions that have nothing to do with cancelling the acct. 

reps said they could not cancel the acct because it was under review, not sure what " under review '' means and rep could not tell me. the cc has never been delinquent, always paid on line. I believe this was an attempt to keep the acct active in order to charge an annual fee that is due on XX/XX/XXXX on hold/talking to various reps for approx 50 minutes. Last rep disconnected the call. 

I gave up, called Chase headquarters at XXXX was transferred to credit card services, cancelled card within 2 minutes. 

outrageous attempt to delay cancelling of the cc in order to charge the annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, & TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months I have made complaints to Experian and XXXX XXXX XXXX that I am not getting a credit report regarding my mortgage that I have had since XXXX. My credit history is showing up on XXXX and XXXX but not on Experian. Each entity is blaming the other one. 

Experian says that they are not getting data from XXXX. XXXX has responded to CFPB that they are providing the data and they provided proof. The letter is from XXXX XXXX and proof that they are reporting. 

I called to speak with XXXX on XX/XX/XXXX. He referred to his supervisor, XXXX XXXX who has escalated my complaint to get to a resolution. I called Experian and got a report and XXXX is NOT on it. I sent it to XXXX who has acknowledged that their trade line is not listed. He has promised to find out what is wrong. 

TODAY, XX/XX/XXXX, I learned from lead supervisor XXXX XXXX that he spoke with Experian XXXX XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX, according to XXXX, sent him an email saying that Experian had purged my account from Experian 's database which is a direct contradiction to Experian 's response dated XX/XX/XXXX. This does not make sense. I did not ask to have my file purged and XXXX said they did not ask to have their trade line purged from my account. 

I want a credit report from XXXX XXXX  on my Experian File. I want them both to resolve the problem rather than going back and forth blaming each other. I am getting terrible and dishonest service. There needs to be a resolution. I WANT A CREDIT REPORT. I should not have to get an attorney or file a discrimination complaint with the Ohio Attorney General 's Office.
Product: Credit reporting

I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$140.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Equifax Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).
Product: Bank account or service

I attempted to access my money market account and was told the account was dormant even though I did everything requested by the bank to keep the account active
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to investigate disputes accurately and in good faith This is the first of many letters that will calm and be filed. first one as a result of not looking into unauthorized inquiries and removing them. Despite providing no proof of any sort of signed or authorized inquiry of my credit report, Experian will not delete the fraudulent credit inquiries
Product: Checking or savings account

I checked my checking account and I noticed that money was missing. I reported it to my bank as soon as I saw that the money was missing my bank told me that they can not refund me the funds. It is stolen money, and I am looking to reccoperate my funds as I was hacked.
Product: Credit card

I have XXXX XXXX XXXX card that I use for business purchases/expenses. XXXX of the main reasons I use this card is because I can defer the payment for 60 days. Over last few months because business being slow and other reasons my credit utilization debt/credit ratio changed. In the mean time an executive from XXXX visited me at the office and actively encouraged me to use the card more and was told verbally that he would see to it that my line can be bumped up significantly to XXXX. After next few days I get notified that my credit limit was reduced to {$31000.00}, and future charges were being refused. I have always used the deferred payment to manage my cash flow. My card payments were according to the terms that were promised, I do n't mind if they reduced my credit line ... but I just saw that they have deemed my account past due and in a suprise move taken away the deferred pay option. They want me to pay all balance by XXXX XXXX, which I believe is not correct. I wanted some XXXX to contact them on my behalf and resolve this before the due date.