23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As of today according to ( XXXX ) XXXX XXXX XXXX XXXX website my account is {$0.00} balance due. 

This company needs to be investigated they are ripping off every student and parent monthly. They knows of your exit months before you become a tenant so they can set up an in-house inspection after you do you cleaning as you turn in your keys. Cause XXXX other tenants are still living in the apartment as you move out. They take your keys and forget to log it, do inspection on or about a week and 3 days after you exit leaving the other XXXX tenants in the apartment. Then take pictures of how you didnt leave the apartment and said you are responsible for it cause they dont know if its the other XXXX live in tenants who made the mess or you. They also keeps your deposit fee and still charges you a cleaning fee. When you ask them why they didnt do inspection as key is turned in they said there is too many tenants departing at the same time.
Product: Consumer Loan

I pay my car payment every month online using Capital One 's online system. I scheduled my payment on XXXX for my regular car payment of {$520.00} to be pain on the due date which is XX/XX/XXXX, after I chose my method of payment which is using my bank account and selected my date to submit payment. I agreed to authorize Capital One to collect that specific amount from my bank account. I logged into my bank account to balance my ledger when I noticed that Capital One collected {$1000.00} from my account instead of the amount I authorized, which was {$520.00}. I immediately called Capital One as well as logged into my account in their system to see what happened. I noticed in their system that my payment I scheduled did not show up, nor did it reflect the payment they collected from my bank account. In fact their system showed I was delinquent in paying my car payment. I spoke to a representative to get an understanding of whatever mistake they made, and i told her they needed to refund the additional {$520.00} they took out of my account unauthorized. She informed me that I have not made a payment since XX/XX/XXXX and that the payment they just collected from me was applied in the following manner : {$520.00} toward my principle and {$520.00} toward interest! 

I let her know that Capital One does not have the authority to decide how munch money is applied to my principle or interest, nor the authorization to take more money out of my bank account than what I authorized and that they need to rectify what they have done! 

She informed me that I needed to show proof of the payment pending on bank statement and send it to them via fax and that they will launch an investigation to determine if a refund will be provided. I told her that banks do not provide current bank statements, and that I would print out my account summary and fax it in to them to review and that a refund will be provided otherwise its called stealing, which they have done when they took more than my normal car payment out of my account and that they will also be responsible for any overdraft fees I incur because of this. 

I called Capital One again on XX/XX/XXXX to follow-up in regards to my fax i submitted and they informed me that they have not received my fax, or my payment. I checked my account online while on the phone with them and let them know that they have officially collected payment, because the transaction has now posted to m y account, so I don ; t understand how they can not have knowledge of my payment, but collect an unauthorized amount from my account, how can you explain your ability to access my bank account? the rep XXXX said he submitted my complaint to the allocation department and that they will contact me within 2-5 business days.
Product: Debt collection

XXXX XXXX, XXXX Is listed on my credit twice for XXXX. I had disputed this numerous times this account is not mine. A collection bill is not validation & I never received proof with my signature.
Product: Debt collection

On XXXX XXXX, 2016, XXXX XXXX from Esser James & Associates called my brother 's home and spoke with my sister-in-law. He told her that legal action would be commenced against me and that my social security was going to be investigated. He also told her it was a time sensitive matter and threatened legal action if I did not accept his " help. '' I have no idea what this is in regard to and have no record of him attempting to contact me directly. He shared my information with a third party, but never identified himself as a debt collector nor did he ever advise that the telephone conversation would be monitored or recorded.
Product: Checking or savings account

I opened a Citi Biz Checking account under a XXXX dollar promo. I transferred money to my account from XXXX 20 days after singing up. The 15000+ necessary for the promo. 

However, Citi took the remaining the remaining 10 days + 1 to have the funds show up. I chatted with Citi rep to make sure I was still eligible for the promo as counting of days would affect whether or not I was eligible and I wanted to confirm before leaving XXXX sitting in the account. I wasn't sure if I was good because the account wasn't open when I applied due to they needed to actually open the account, if the day they opened the account counted or if it was full days, or if I had 30 biz days since weekends cut into transfer time. 


I was informed that I was still eligible for the bonus and that if I left the money in the account I would get the XXXX of the XXXX bonus ( there was an additional XXXX for a direct deposit and I would get that if my direct deposits posted as well ). 

Because of minimum balances for my old account and autopays I had set up, I was charged fees for my other accounts. I thought about transferring the money back before the fees kicked in, but decided against it because the bonus was worth it and I was assured that I would get it. I am sure glad I saved the chat trasncript from them because Citi is really being shiti about the bonus even though I was assured I would get it.
Product: Student loan

AES uses predatory financing to extract as much from their customers as possible. The website logs you out to prevent you from navigating and potentially solving issues. Additional payments to loans beyond the minimum payment are not applied directly towards the highest interest rate loan. I spoke to their representatives and they said they would do that for me. The next billing cycle showed not a single dollar had been paid in addition to the minimum on the highest rate interest loan, making sure that AES made as much money off me as possible. The next representative claimed their system was incapable doing this automatically ( XXXX had no issues doing this when my loans were owned by them ). I then requested to cancel the additional portion of direct debit so i could manually apply extra funds to a specific loan each month, both via phone and via the website. Instead the entire direct debit was cancelled, thus removing my .25 % interest rate bonus for 2 months. The next representative claimed the system could not take less time to set up automatic payments. Everything this company does is meant to harm the consumer.
Product: Credit reporting or other personal consumer reports

It has come to my attention that there are errors on my credit report. In the account XXXX XXXX XXXX XXXX XXXX Case law in XXXX XXXX XXXX XXXX, courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or remove it.

I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made.

I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable.

I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.

Please make the requested corrections on the following account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i had other inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 2024 XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> i went to the XXXX dealer and i gave to them my information including my social security and they put over XXXX inquiries on my credit report they destroyed my credit that i work so hard to, they asked me for my information I didn't know that if they will do that to my credit report, I knew I will never give them my information please help me to fix this...
Product: Credit reporting or other personal consumer reports

XXXX Dear Sir or Madam, Transunion will not allow me to access my account without first paying a fee to sign up for monitoring service. They reset my password which required payment first. 

1. Their phone system does not work- they do not save your place in line and do not call back.

2. Their chat representatives will only grant access to pay first membership before you can access credit info.

3. They were given current and accurate information ( address, phone, social, DOB, etc ) 4. I've spent many hours on their site trying to gain access but its not possible without paying them first. Please help. 

Thank you XXXX XXXX
Product: Credit card or prepaid card

I disputed this item on my credit report and it was verified. I then contacted Kohl 's to dispute the account which I am allowed to do per the Fair Credit Reporting Act and Fair Credit Billing Act. I sent them a dispute letter on XXXX XXXX and on XXXX XXXX they wrote back and said they ca n't verify the account because they no longer have the credit card application.
Product: Debt collection

On XX/XX/2024 I contacted XXXX. XXXX XXXX XXXX regarding a debt that showed up on my XXXX credit report that I had never received a debt validation notice about. I called asking for proof of debt to be emailed to me at XXXX. 

After no proof of debt was sent, I filed a dispute with XXXX on XX/XX/2024, and followed up with a call, I left a voicemail asking for a call back. 

On XX/XX/2024 I called again to ask about next steps and was transferred to a representative named XXXX, her phone number was ( XXXX ) XXXX. She told me that they did not have proof of debt and due to my filing of that dispute they would be in contact within 30 days of XX/XX/2024, and that my account number for this was XXXX. 

XXXX stated that my Dispute results were ready on XX/XX/2024 with report number XXXX, however the day prior I had just confirmed the XXXX Collector had no proof of debt. 

I called and left a voicemail XX/XX/2024, after those 30 days to ask for an update, and after not hearing anything I filed an additional dispute XX/XX/2024 stating I received no proof of debt, and the 30 day period had passed for the debt collection company to obtain it. 

On XX/XX/2024 for report number XXXX, XXXX XXXX stating that the dispute has been completed and still provide no proof. 

I tried calling again, XX/XX/2024, and it went straight to voicemail again. 
I received a letter dated XX/XX/2024 stating " We previously provided you with the documentation provided by our client to validate their claim. '' Which is false.
Product: Mortgage

My wife and I filed a Chapter XXXX because we had received a foreclosure notice in XXXX XXXX. The Chapter XXXX was discharged in XXXX of XXXX. I recently went to pruchase a home and the realtor said that the county records show that Bank of America transferred the deed out of my name to their bank in XXXX of XXXX. So because of the lending laws, I am unable to get a VA loan because it looks like my foreclosure is within 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

For nearly a year I have been disputing with this credit bureau that XXXX XXXX XXXX account number XXXX is reporting inaccurately on my credit report and I have asked them to delete it and they have refused. On my experian credit report it says that the XXXX  XXXX XXXX account is paid in full and the date of that payment was on XX/XX/XXXX. On the credit report it also states that the account was in good standing in XX/XX/XXXX. So, how can it be that the account is paid in full and no balance is owed. The last payment was on XX/XX/XXXX and the account was in good standing in XX/XX/XXXX so how then can Experian be reporting that the account went into delinquency on XX/XX/XXXX. That makes no sense. Experian is reporting that this account has a XXXX balance owed and the account was paid in full on XX/XX/XXXX but yet they are reporting that the account went into a charged off status in XXXX of XXXX which is false and makes no sense. 
On the same credit report under the heading ''Scheduled Payment Amount '' its says that it has no data. Experian is therefore saying that they have no record of my payment and when I made it yet they are reporting that the last payment was made on XX/XX/XXXX. This makes no sense. This credit report is incomplete and inaccurate and under the Fair Credit Reporting Act when ever an account is incomplete and in accurate then such account should be deleted. 
On the same credit report under the heading, '' Actual Amount Paid '' it says that it has no data. So, Experian has no data on any payments made by me on this account but yet they are saying that the last payment on this account was made on XX/XX/XXXX. This makes no sense. 
The XXXX  XXXX XXXX account is incomplete and inaccurate and this account should be deleted from my credit report immediately. I got a dcument from XXXX  XXXX XXXX stating that this credit bureau never contacted them so as to verify this account. My lawyers are using document as a means to file a lawsuit against Experian should they refuse to delete XXXX  XXXX XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an error on my consumer report furnished by XXXX  XXXX. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX  XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX  XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Product: Mortgage

XXXX is the servicer, mortage in XX/XX/2007 been payi ng XXXX a month on. XXXX mortage but the balance only. Went down to XXXX to date after all these years they said they would investigate still waiting no results your. I input will be appreciated thank you.
Product: Credit card or prepaid card

ON XX/XX/XXXX I CONTACTED DISCOVER TO REPORT FRAUD ON MY ACCOUNT. I FOUND CHARGES ON XX/XX/XXXX MADE BY AUDIT RECOVERY SYSTEMS FOR {$1300.00}, AND THE OTHER FOR {$2200.00}, I SPOKE WITH A WOMEN NAMED XXXX XXXX SHE EXPLAINED THAT THEY WOULD NEED A COPY OF THE STATEMENT AND A LETTER EXPLAINING THAT I DID NOT DO BUISNESS WITH THIS COMPANY. ONCE I GOT OF THE PHONE I GOT ALL OF MY STATEMENTS TOGETHER, AND REALIZED THAT THERE WERE NUMEROUS CHARGES THAT I WAS SUPPOSED TO GET BACK THAT I WASNT SURE IF I DID SO I HIGHLIGHTED THOSE CHARGES, AND INCLUDED THEM IN MY LETTER. WHICH I THEN MAILED OUT ON XX/XX/XXXX, WHICH WAS SENT TO THE XXXX XXXX  AT XXXX XXXX  XXXX XXXX AZ XXXX. WHEN I SPOKE WITH XXXX SHE EXPLAINED THAT IT CAN TAKE UP TO 90 DAYS FOR THE COMPANY TO GET BACK TO ME, BUT IT HAS BEEN OVER 110 DAYS. I HAVE NOT HEARD ANYTHING FROM THE COMPANY, AND HAVE NOT GOTTEN THE MONEY CREDITED TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I received my credit report form you. It included the following incorrect information : Conns Account # XXXX After requesting validation and correction to my credit report on both XX/XX/19 an XX/XX/2019, I received a letter from that creditor verifying that the information in which they are reporting to my credit report is inaccurate. Both instances this company has refused to correct their inaccurate information and it has caused me great hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX Balance Owed : {$750.00} Medical XXXX Balance Owed : {$50.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting and Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS violated my rights. 

15 USC 1681 Section 602A. I have the right to privacy.

15 USC 1681 Section 604 A Section 2- It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am disputing the XXXX hard inquiries on my credit report, which I believe resulted from an identity theft. According to the Fair Credit Reporting Act ( 15 USC 1681c-2 ), consumer reporting agencies must block information on a consumer 's credit report that the consumer identifies as resulting from alleged identity theft. Because these XXXX hard inquiries appear to stem from identity theft and not my own credit applications, I request that you immediately delete them from my credit report to comply with the FCRA. Please update my credit report as soon as possible. 

Thank you for your attention on this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this collection agency has violated my rights under 15 USC 1681 section 602 ; states I have the right to privacy.

15 USC 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Under 15 USC 1666B ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose an is reporting an open account with a past due balance.
Product: Credit reporting

they removed this from my credit report XXXX {$2700.00} Which is in good standings and want back on all XXXX reports.
Product: Money transfer, virtual currency, or money service

I started attempting to buy cryptocurrencies on a site called coinbase.com on XX/XX/XXXX. I gave them all my personal information including drivers license and photo. On XX/XX/XXXX they emailed me that I was all ready. But still to this day I am unable to access my account to buy cryptocurrencies.

I believe this is due to my age, as I am over 50. I have a young man in his 20 's who sits behind me at work who recommended this site. He has no problems with the site.

They keep telling me that they are looking into it, but after 6 weeks they might have found the issue or had me delete everything and reapply? It is very difficult ( almost impossible ) to speak with someone there about my issues. Can you help?