23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I SENT A WRITTEN LETTER TO THE THREE REPORTING COMPANIES TO ACCURATELY MAINTENING MY CURRENT ADDRESS AFTER I EXPERIENCED IDENTITY THEFT SITUATION USING MY PREVIOUS ( 2 ) ADDRESSES. HOWEVER, ONLY XXXX DID AS REQUESTED. 
ATTACHED IS A COPY OF MY MYSCOREXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS WHICH LETTERS ARE ATTACHED DO NOT HAVE ANY DELINQUENCIES, PLEASE HELP ME TO CORRECT THEM THROUGH BUREAUS AND ALSO FROM CREDITORS, I HAVE ALREADY RECEIVED LETTERS FROM CREDITORS ( HENCE ATTACHED ) THAT THEY HAVE APPROVED OF THESE LETTERS TO BE INACCURATE AND NEED TO BE REMOVED FROM MY CREDIT REPORTING AGENCIES, BUT BUREAUS ARE NOT WILLING TO COOPERATE PLEASE HAVE THEM TO CORRECT THEIR INACCURACIES. 
THANK YOU
Product: Debt collection

Dear Collector, I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : XXXX the amount of the debt ; XXXX the name of the creditor to whom the debt is owed ; XXXX verification or copy of any judgment ( if applicable ) ; XXXX proof that you are licensed to collect debts in Maine ; XXXX proof XXXX the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within XXXX  days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau XXXX XXXX ) XXXX then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act XXXX. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Product: Credit card or prepaid card

I have a Chase Sapphire Reserve Card. As part of my membership benefits, they encourage members to sign up for XXXX XXXX XXXX XXXX XXXX XXXX, a service that offers a 10 % discount on rentals if you use your Chase Card. I signed up for this service with XXXX, and rented a car through them. Upon returning the car, there was no inspection ( due to COVID ), however, they later charged me a {$200.00} cleaning fee which was above and beyond the normal cost to clean the car. We left no mess or trash in the car, and we do not smoke and did not smoke in the car. I called XXXX 6 times to determine why I had been charged this fee. No one was able to explain it, and despite several promises over 7-10 days to call me back and resolve the issue, they never did. So, I disputed the charge with Chase. 

After reviewing my claim, Chase sided with XXXX and made me pay the {$200.00} fee. The " proof '' provided by XXXX was simply a receipt that says the {$200.00} fee was for cleaning. No pictures. No evidence. No justification. Just a receipt. 

Further, XXXX claims that all XXXX XXXX members do not need to sign a contract or be shown a contract, as that is waived as part of the XXXX XXXX XXXX. So in other words, I waived my right to view or see the contact when I joined the XXXX XXXX. And the only reason I joined the XXXX XXXX is because Chase provided incentive to do so. 

Chase and XXXX are business partners, and are profiting off of each other 's services. And when customers like myself take complaint with a charge, they work together to ensure their businesses are taken care of at the expense of customers. 

After my claim was denied and the {$200.00} charge was added back to my card, I called Chase Disputes Team again. I spoke with two people - XXXX XXXX or maybe XXXX XXXX, and a supervisor, XXXX XXXX XXXX I mentioned this unsavory business practice to XXXX, she immediately started yelling at me, cut me off multiple times, and said the best they could do was give me {$100.00} credit, and that if I wanted more than that, I'd have to send a letter to Chase. She connected me to XXXX XXXX for further resolution, who hung up on me half way through our call. He never called me back. I was not raising my voice, cussing, or being rude. I was simply explaining why I was upset. 

When you look on Chase 's website, they claim that you can file a customer service complaint through the Secure Message Center on their site. This is untrue. There is a drop down menu where you can select your type of message, and none of them are for customer service or complaints, and there's no catch-all " other '' option either. 

It's clear to me that Chase/National have created these practices to XXXX over their customers, and when people like me try to stand up for themselves, we are yelled at, hung up on, and told to file complaints ( which isn't possible ). 

I am XXXX years old, and I have never, in my life been treated so poorly by a business or bank. I will be closing my Chase card ASAP.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX I took out a title loan from XXXX XXXX for about {$5600.00}. From XX/XX/XXXX- XX/XX/XXXX I made about {$2400.00} in payments towards the loan. In XXXX, I experienced I financial hardship and could no longer afford to make payments. Thus, the car was repossessed and sold for about {$2000.00} according to my credit report. All things considered, the balanced owed on my credit report is {$6800.00}. This is more than the original loan amount of {$5600.00} and it seems the sale of the car and the payments made toward the loan are not being properly accounted for. Furthermore, I had personal items in my car worth at least {$1000.00} in my car during the repo. I was never allowed nor notified on how to retrieve my personal belongings. Thus, I believe the value of my personal property should also be accounted for.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX XXXX XXXX XXXX pulled credit report fraudulently. This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to ensure that the disputed accounts are deleted. I complained last XXXX to delete the accounts which I believe to be erroneous and fraudulent, this complaint is to notify you to delete the fraudulent accounts in my file Please delete the following accounts : XXXX XXXX XXXX XXXX .... Balance : {$6600.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Balance : -
Product: Debt collection

On XX/XX/year>, synchrony bank stole XXXX dollars from my Venmo account that i need to pay bills and evacuate from hurricane Milton. The minimum amount owed was XXXX dollars on my credit card bill, and they took XXXX, which was the last of my money because i had just been laid off from my job. I requested to have my money back, they acknowledged they took the wrong amount, and they said a check would be on the way. The check never came. I called back again on XX/XX/XXXX and they said nobody had sent a check. They said the check would be on the way again. It is now XX/XX/XXXX and i have gotten no money, i am stranded in XXXX and could not evacuate because i have no money, and i am probably going to die. XXXX XXXX for doing this to me
Product: Bank account or service

I opened a Regions Bank " XXXX XXXX '' Checking account in XXXX 2015. Part of the terms of that account was that they would reimburse XXXX out-of-network ( non-Regions ) ATM withdrawal fees per statement cycle. The have failed to reimburse me for XXXX transactions that I know of over the course of the last 6 months, and have tried to say that fees charged by the ATM are not the fees that reimbursement program is intended to refund, but rather, another Regions imposed fee that they reimburse for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I had a court appearance with my ex husband to dissolve and settle the marriage disputes. The only issue that was addressed by the Judge was child custody and child support. I filed a motion for reconsideration. Because of the threats to take my medical license, driver 's license and incarceration, I paid what I could, and contributed to the remaining to the costs of travel, which under XXXX code XXXX is considered support. The other party then contacted child support agency, who not only sent income withholding orders to my place of work without a judge 's signature, they put that I was behind XXXX dollars in arrears on my credit report, stated that it was an installment loan. I sent them a letter asking them to release the contract and validation of debt, and they refused to send me that, using terms such as " obligation '' when that means contracted debt or agreement. I also sent them a cease and desist. I submitted a claim to Experian, XXXX, and XXXX to remove the account. I also noticed it hasnt even been updated, and remaining the same amount. Im submitting this complaint, because they do not have my consent to release this information of my credit report and also refused to release validation of debt. They do not have a signed contract of voluntary obligation of debt. The court case was completed under grounds of lack of jurisdiction and unconstitutionally violated my rights under the Color of Law. This has damaged me severely and will be seeking remedy.
Product: Credit reporting or other personal consumer reports

I was in complete disbelief when I saw incorrect accounts pop up on my credit report this morning. Im totally clueless as to how this even happened. Ive always kept a close eye on my credit report, and today, out of nowhere, these discrepancies appeared. I tried refreshing the browser, hoping it was just a technical glitch, but the wrong information didnt go away. Im really distressed and would like the documents I submitted to be thoroughly reviewed so I can put this behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has an access on my personal information. I have no knowledge of what and who this could be
Product: Debt collection

XXXX XXXX XXXX XXXX : I was contacted by Sentry Credit for an outstanding debt of ~ {$11000.00} for a rental property in XXXX XXXXXXXX XXXX The collector shared with me the move in date was XX/XX/year> and move out day was XX/XX/year>. This was due to identity theft, which I reported to the local police in XXXX of XXXX. I am in the process of submitting all documentation to the debt collector to prove identity theft. 

XXXX. XXXX XXXX XXXX : I was contacted by XXXX XXXX XXXX for an outstanding debt of {$7600.00} for a rental property in XXXXXXXX XXXX This was due to identity theft, which I reported to local police in XXXX of XXXX  I have submitted all required paperwork to the debt collector to have this resolved, including : proof of identity, proof of residence at the time debt was accruing, police report, affidavit, etc.
Product: Debt collection

Franklin collection company is reporting a debt, even they are not licensed in the state of California, and requested original purchase agreement and got excuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX  XXXX  account number XXXX  has violated my rights. 15 U.S.C 1681 section 602A. i have rights to privacy. 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I disputed an account from rent recovery and asking for more information and proof of the account.there was no document sent to me to validate the debt or the balance. Which is odd
Product: Bank account or service

On XXXX XXXX 2016 at the end of the business day. I had {$2.00} in my bank account. Nothing was pending on XXXX XXXX 2016 I deposited {$80.00} period on XXXX XXXX XXXX that evening I withdrew {$20.00} two different times. There 's a {$2.00} charge per withdrawal from each provider my bank and the ATM. That is a total of {$10.00} with the XXXX that is a total of {$50.00} that took my balance from {$82.00} down to {$32.00} which is what my balance was on XXXX XXXX 2016 when I woke up. I put {$10.00} and gas taking me down to {$22.00} in my balance. I withdrew {$20.00} from a XXXX ATM which is a fee free ATM that took me down to {$2.00} balance at roughly XXXX. on XXXX XXXX the same day. I deposited another {$80.00}. On XXXX XXXX 2016 I open up my ( remembering that each of those {$80.00} deposits XXXX of them to be exact. Were deposited at XXXX separate branch locations. The first {$80.00} deposit was that the mall branch in XXXX West Virginia. The second {$80.00} deposit which was on XX/XX/2016, was at the XXXX downtown branch. ) U app by BB & T to find that they returned XXXX of the ATM fees and charge me {$36.00} so where did {$20.00} go?
Product: Debt collection

I have been battling with portfolio recovery and Foster, Garbus & Garbus for over a year regarding a debt that is not mine. I continue receiving letters from Foster, Garbus XXXX Garbus regarding same debt although I 've submitted documents to Foster, Garbus & Garbus proving that I DO NOT OWE said debt. These guys went as far as having my XXXX XXXX account frozen last year and I thought the issue was resolved once I submitted my documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my consumer report and it states I have reported information from TCF National Bank from XX/XX/2012 for non sufficient funds at ATM for an amount of XX/XX/2012, I was unaware of this being on my account but previously I received a call in 2012 from the bank and I explained to the representative I had no knowledge of a check being deposited, I would like an investigation done because I 'm trying to obtain a checking account through a bank and this is hendoring me.
Product: Student loan

Wells Fargo is misapplying payments across two student loans and charging unwarranted late fees. This is an ongoing issue with Wells Fargo. 

The most recent occurrence involved full payment to them on XX/XX/XXXX, and then receiving a letter stating they are imposing a {$140.00} late charge on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with XXXX XXXX XXXX, in XX/XX/XXXX the car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to XXXX causing additional fees. XXXX received the payment in XX/XX/XXXX.When the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account. For several months a tried to get this resolved, I was told by several customer service reps that XXXX  does n't mail out payoffs and that 's when i filed a complaint with the better business bureau. XXXX poor business practice has errouneously reported incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was reporting 60 to 90 days late, XXXX being spiteful replied that the issue is resolved and now changed the account to 90 to 120 days late.
Product: Student loan

I submitted a Borrower Defense Application in 2016 to to discharge my loans. I am always told that my application is being reviewed. Since 2016, abundance of interest has accrued. The balance owed is over {$220000.00} for a XXXX I never received from XXXX XXXX. I have asked Navient to forgive these loans due to hardship. But always told the loans will be deferred, yet interest is accrued.
Product: Checking or savings account

On XX/XX/XXXX I emailed XXXX, XXXX XXXX requesting her to close my checking account application. Now I have negative balance {$4.00} and my account still isn't closed. I want my account fully closed. The account rep was very deceptive and I didn't think USBANK operatives this way. I always heard great things about USBANK
Product: Student loan

When my XXXX and I visited XXXX XXXX in XXXX, PA, we did the tour, he took all the tests, we submitted all the applications for tuition assistance, etc. We were told before we left that day that he qualified for FULL TUITION scholarship. We were also told that he would be given a job while he was attending school so he would have money for living expenses. We WERE TOLD that they had food vouchers for the students- which turned out to be a complete lie. The " job '' they gave him was to sit by a phone and wait for it to ring. He has high XXXX and needs to keep active. They knew I lived XXXX hours from campus, was a single parent barely holding it together financially. An incident occurred at the dorm where a student was XXXX and vandalized a fire extinguisher which in turn summoned the fire department. My XXXX  was trying to stop the drunk student and got blamed for the incident and evicted from the dorm. This was XXXX MONTH prior to graduation. He was permitted to continue classes, but had nowhere to live in the meantime. I was told I could appeal the eviction, which I did- but was told it was too late. They didn't fax me the proper paperwork timely and I faxed back the required information within minutes after I received it. XXXX months later I get a bill from XXXX XXXX that I OWE THEM over {$25000.00}! I have told this story probably XXXX times to different organizations and NOT XXXX person has done anything about it. It's been XXXX years now and I am still struggling to pay the loans that WE WOULD NEVER have agreed to in the first place. The school is closed now and my son has a " Certificate '' and does not work in his field of study. He's a maintenance person for the most part and has learned some other on-the-job skills that are worth more than a certificate from a dishonest school. The person we spoke to the day we toured and registered has NEVER EVER returned my call. I know this is years ago, but every single time I see how much money I owe for something that we were scammed out of, it makes me really, really, really mad.
Product: Debt collection

I was in the military CA XXXX XXXX. I had a XXXX XXXX and fell behind on my payments. On XXXX, XXXX XXXX XXXX closed my account. I started to get monthly  deductions on my my XXXX XXXX ( XXXX ). I have the XXXX that show the deduction made on my pay.It shows the balance owed to XXXX XXXX going down every month. On my XXXX XXXX XXXX it shows the balance owed to the XXXX XXXX at zero. On XXXX XXXX XXXX collections agency sent me a letter saying that I had a balance of XXXX owed on my XXXX XXXX  and they were collecting it. I informed them it was paid off and had my pay stubs ( XXXX XXXX to show it. I contacted XXXX XXXX and informed them of situation. I requested copies of my credit card statements from XXXX XXXX to XXXX XXXX. They informed me they could not do that and to deal with the collections company. The collection company informed me that only XXXX XXXX could provide that information to contact them. On XXXX XXXX XXXX XXXX took my wife 's and my XXXX tax return. I just want copies of those statements so i can show credit card company that the debt was paid off my matching them with my XXXX XXXX statement deductions. If it turns out after making the comparison between my XXXX 's and the credit card statements that I do owe some debt, I will do my best to address that. I tried to talk to them and they do n't want to work with me. Also the same response from the collection company XXXX XXXX. Can you please help me?