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

Filed first dispute with XXXX on XX/XX/XXXX because Synchrony Bank reported that I was 60 days or more late on a payment ( < {$10.00} ). This was incorrect - Synchrony made an error charging me fees on a closed and fully paid account- I contacted them, they removed the incorrect charges and assured they would report to credit bureaus I had no delinquent payments. I filed a dispute with XXXX and they closed the investigation XXXX stating the original ( delinquent payment ) information submitted by XXXX was correct. I reached back out to XXXX  using chat to get documentation stating that I should have NO LATE PAYMENTS reported - I screen-shotted this for documentation and filed a second dispute with XXXX XXXX and provided the screen shots, account information showing XXXX  removed the charges ( my report showed that I had paid the $ - I did not ), and details of first conversation with XXXX  with the agents name and location, and the date we spoke. Got results from the XXXX  dispute XX/XX/XXXX which shows " We investigated the information you disputed and updated : Date Updated; Original Charge-Off ; Remarks ; Maximum Delinquency ; Rating ; Historical Trended Data. Here is how this item appears on your credit report following our investigation. '' No further details or explanations, and this jumbled jargon makes absolutely no sense to me. Nothing was changed on my report. I used the XXXX chat function on XX/XX/XXXX and spent nearly XXXX minutes seeking help to then be told the dispute results were confidential and they could not help me, and to file a new dispute. I called the XXXX number on XX/XX/XXXX and spent several minutes speaking, asking for someone who could explain the investigation results to me, and an agent told she could not help with that and to file a new dispute. Requested a supervisor. She said she could not help, I need to call the dispute department and gave me the same number to call that I had just called. Called again - waited for nearly XXXX minutes with no one taking the call. I had to get back to work. 

I filed disputes with XXXX and XXXX as well, and they also closed the investigations stating the info was confirmed as correct. I asked XXXX several times to provide me with documentation that shows what information was updated/corrected and sent to each credit bureau XXXX but they refused to provide vial email or snail mail. XXXX tells me to contact the credit bureaus. It is a viscous circle with no way to track information exchanged or get documentation to resolve. 

My credit score has been near XXXX for decades. This error, of less than {$10.00}, has caused my credit score to plummet to the mid XXXX. XXXX needs to be held accountable for their failure to properly investigate, to provide adequate information to me upon request, and having no means of communicating with the company after filing the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXXXXXX XXXX to let them know I refinanced my loan before XX/XX/XXXX. They were to receive the total mortgage balance from XXXX XXXX XXXX, my new lender. They received the total amount and still marked my account as delinquent. I have never paid my mortgage late as you can see in my report. I would like XXXX to fix this asap as this hurts my excellent payment history.
Product: Checking or savings account

I received a fraud text from chase. I responding saying now it wasnt me. Someone went into chase branch and withdraw amount of {$2800.00} and I have been calling chase customer service and been complaining the last month and half and they are all giving me the run around. At this point I feel like I have been robbed by a cooperate company and I cant do nothing about it because I cant afford to take them to court. I really need help getting my funds from chase. Even provided them a XXXX Police Report as they asked and still they wont help me.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I received a letter from a collection agency ( XXXX XXXX XXXX XXXX of XXXX, CO ) that claimed I had taken out a loan and failed to repay it. The loan was from Cash Central which I discovered ultimately was a subsidiary of Community Choice Financial in XXXX, OH. I called XXXX to indicate that I had not taken out such a loan and that if they continued I would like proof including a signed contract, bank account numbers where the loan was deposited, etc ... They refused. Because this group clealry appears to be a payday loan company that will give money to anyone with a social security number and the ability to click a box on a computer, I filed a complaint with the BBB in Ohio and Colorado. Today, I received an email from Community Choice asking me to fill in several documents and to obtain an  affidavit from the police that my identity had been stolen on a loan that was allegedly made XXXX XXXX, XXXX. I am not alleging identity theft but simply that they have provided a loan in my name without sufficient proof of my identity. I called them today to ask for documentation and they were rude and refused to answer my questions or do anything without me filling in pages and pages of documentation for something that has nothing to do with me. This company clearly has inadequate financial controls and underwriting processes in place. Had they simply checked my credit report and asked a few questions the loan never would have happened.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I went to acima leasing inside of XXXX XXXXXXXX Superstore XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I wanted to get a washer and dryer. I was denied approval based off of the code that I had a lease open currently. I advised no I do not. I called the customer service number in store given by the staff that were there XXXX after trying to get through for XXXX minutes XXXX the sales XXXX called another number on his phone which I think I heard him say was the XXXX number after a total of XXXX minutes on my phone and about XXXX minutes on his someone answered. I asked where this open loan is supposed to be and was told they couldnt see it they just see its one open. I asked for a manager she said the same thing. I was told to try to find it on my own I kept telling them how can I find something that I dont know exists. I then called XXXX XXXX XXXX XXXX XXXX and spoke with XXXX. He stated my last account with them was closed and closed XX/XX/XXXX. He reported there were no open accounts with XXXX or at all in the portal. The store manager at acima told me to call back on XXXX to speak to XXXX the district XXXX. I call today she isnt there and the staff that answered my call at acima was there XXXX and although she knew my situation started telling me to research on my own. I tell her how can I research something that I dont know what XXXX looking for? She states she texted XXXX and XXXX reported she doesnt have access to tell me what open lease I have. I asked for the person over XXXX and she said corporate. The person that answered the phone gave me another 2 numbers. XXXX which when I called was XXXX XXXXustomer service although she witnessed me on XXXX call XXXX  I spoke with XXXX at XXXX and she tells me the same thing XXXX told me XXXX I told her I feel like Im getting the run around nobody is telling me where I supposedly have an open lease she then states it could be outside the company and go check my credit reports. I advised her I did check my credit reports and nothing is in my reports showing anything open anywhere because I dont have a lease open anywhere she stated she apologized nothing she could do. The next number I called she gave me was XXXX there was a recording stating this number is not in service. So acima is denying my application stating I have a loan somewhere else but nobody can tell me where I have a loan. They keep telling me to investigate but I cant investigate because they wont tell me where this is. After I stated if the system is computing I have an open loan then it is pulling it from somewhere so I should be told where, I was advised to check my credit reports. Once I advised I already did that then there was nothing could be done. Ive been given 3 different numbers the store called a fourth number and told to follow up with the district manager and NOBODY can give me any answers or explain my denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation of my complaint, XXXX, where I provided documentation showing multiple payments were not credited accurately on my credit report. 

Capital One responded back via this portal as follows : " Although we have received payments on your accounts on or around XX/XX/XXXX and XX/XX/XXXX, many of these payments did not satisfy the full minimum payment due, or were not received. Ive enclosed a copy of your statements from XX/XX/XXXX to XX/XX/XXXX for your accounts, which shows the minimum payment due and the payment received. '' The problem with this response is that it fails to acknowledge the agreement Capital One provided to me during that time in effort to catch up on my balance. 

The agreement stated that my account would be made current once I made three consecutive payments for a specific amount on each of the three cards. The response quoted above suggests that I was not credited for making payments for the months in question because I " did not satisfy the full minimum payment due. '' However, the true " full minimum payment '' was determined by the agreement and not by what was listed on the statement. In order to reinstate my Capital One accounts, I HAD to make the full minimum payment as defined by the agreement, for which I did, evidenced by the fact the accounts are now in good standing. 

Once again, I request Capital One update my credit reports accordingly to reflect my XX/XX/XXXX and XX/XX/XXXX payments.
Product: Checking or savings account

Simple Bank announced it was closing and all accounts would transfer to its parent, BBVA USA, on XX/XX/2021 and provided instructions on how to access the new BBVA account starting on that date. 

I followed the instructions on XX/XX/XXXX and received a message stating " Your account is locked '' and a phone number I could call. 

On XX/XX/XXXX and XXXX I called that number for a total of 12 times and every time I've reached a customer service representative, the call has been disconnected within 5 seconds. 

I've received no other communication from BBVA and am unable to access my funds or reach a representative.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX loan company kept calling me back to back to back and then kept showing up at my house threatening to have me put in jail now months later XX/XX/XXXX there calling again 24/7 leaving me msgs saying call today or we take further action I told them when my car blew up and XXXX said what am I suppose to do with a blew motor and wouldn't come get it I'm sick of being harassed
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

it in XXXX 2015, 15 years later. XXXX XXXX said they did n't and they did n't have too. They have no documents and said i could n't dispute it. It was never sent to collections nothing. I do n't think i owe a debt. Then they moved {$870.00}. If they made mistakes then and now why am i fighting and losing the battle. I think i shpuld have been notified instead of them just seeing that i had a credit and decide to take money. Where is the due process here? Why did n't it go to collections? Why am I being told i ca n't dispute it? What 's the statute of limitations?
Product: Debt collection

I am writing to dispute an entry on my credit report. The entry in question is XXXX XXXX XXXX, Acct # XXXX. I believe this entry is inaccurate because it is not my account. In accordance with the Fair Credit Reporting Act, I am requesting an investigation into this matter. 
Please investigate this matter and correct my credit report as necessary. I request that you respond to me in writing with the results of your investigation. 
Thank you for your prompt attention to this matter.
Product: Student loan

Navient reported me as 120 days past due during their process of returning my loans to Dept. of Education. This act along with numerous hits on my credit report almost caused me to not be able to get a job. I ca n't get a car loan because of this reporting. 

I was unemployed for 7 years. Most of this time I was on deferment with Navient. Every 6 weeks or so they would send me an email to let me know it was time to reapply for deferment so that it would not affect my credit. In XX/XX/XXXX, my present employer did a background check on me and said Navient reported me as being 120 days past due. If I had not shown them the XXXX balance from Navient, I would have not gotten this job. 

I did n't get a notice of this transfer from Navient nor was I provided with a way to continue to reapply for deferment. 

After my employer gave me the credit information, I logged into my Navient account and the balance is XXXX and the status was " Paid by Navient/Dept of Education ''. I was confused by this. It took me 3 more days to find out that CFPB had sued Navient. During this time I suppose Navient just decided to transfer the loans and not provide an alternative method for me to continue to be in deferment. 

In XX/XX/XXXX, I was reported by Navient as being 120 days past due. My math tells me they put me in default 4 months prior to XX/XX/XXXX even though the DOE said the loans were sent back to them starting on XX/XX/XXXX ( the last entry in my Navient account is XX/XX/XXXX ). I do not  understand why Navient did not communicate with me before my credit was destroyed. I also do not understand why they have so many entries on my credit report ( more than 100 entries in a short period of time ). My credit before this, even while I was unemployed, was XXXX. It is now XXXX and XXXX and I ca n't get a car loan so I can get to my new job without getting a ride from a relative. 

I would like to know why Navient reported me as 120 days past due and why so many entries on my credit report. I would also like to know why my Navient account shows " paid by '' instead of " transferred '' to DOE. I had to search to find this information. 

Also, it looks like Navient reported me 120 days past due in XX/XX/XXXX, but the loans were not moved back to the DOE until XX/XX/XXXX. 120 days would be about XX/XX/XXXX. By the time XX/XX/XXXX came around my loans were already in default and now I 've had to enter into a rehabilitation program with DOE before I can find another lender to consolidate the loans, which means more interest is going to accumulate. 

I feel it was extremely unfair for Navient to destroy my credit this way. I ca n't get my own apartment or a vehicle because of this issue. All they had to do was tell me how to continue with deferment instead of destroying my credit.
Product: Credit reporting or other personal consumer reports

Under, 15 U.S Code 1681 ( 5 ) ( B ) ( ii ) ( iii ) ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material i ) Certification of accuracy of information if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency.

ii ) Notice to consumer if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( l ) a statement that the disputed information has been reinserted ; ( Il ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( Ill ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I was not notified of the reinsertion of these previously deleted items within a 5 business day time frame, nor was any of the additional information outlined above provided to me. As a consumer by law, I demand that you delete these reinserted items from my credit report. 
Accounts : XXXXXXXX XXXX XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Checking or savings account

Several weeks ago on a Saturday morning on XX/XX/20, my husband and I awoke to our bank accounts being frozen without warning by Chase. The accounts frozen were his main account and our joint. My husband is a XXXX XXXX XXXX XXXX XXXX. Chase claimed the accounts were " restricted, '' but they were in fact frozen. They would give us no information, only told us to show up at a branch Monday morning and fill out tax paperwork and bring identification to prove my husband was who he was. They held his paycheck ( automatic deposit ) until Tuesday, and turned away every auto bill that tried to clear ( it was the end of the month so first of the month bills were trying to clear ). Cards didn't work, transfers were not permitted. All in all, they froze {$5000.00}. 

On Monday morning, we arrived at the branch, provided them with their required tax paperwork, filled out their forms, let them take copies of passports, ss cards, DL 's, XXXX, and even a tax return. They claimed after all this was all being done because someone may have stolen my husband 's identity. They said the " restriction '' would be lifted by Tuesday. It wasn't. We called. They said " Thursday now. '' Thursday came and it was the 1st. All my bills were due. I went back to the branch and demanded my money. The bank manager released it to me and I pulled all my savings ( from another account out as well ). They didn't unfreeze the accounts for another day.

We never received a " thank you '' an explanation a nothing from the bank. Yesterday, XX/XX/20, we received a packet from the bank demanding my husband fill out tax form W-8 now and if he doesn't comply, his accounts will be closed ( and I assume frozen again ). Tax form w-8 is for NON-LEGAL ALIENS, not for LEGAL PERMANENT RESIDENTS OR CITIZENS!! The only income we receive is his direct deposit from the same job he has held for almost 10 yrs here, which is a large American Company. I receive SSDI for I am XXXX. 

I feel we are being more than harassed by Chase bank. We will NOT be complying with this current request because even the IRS.gov web site says my husband should not comply because he is NOT an illegal nor does he own overseas bank accounts or receive overseas monies. At this point, I will be closing my accounts, but I will also be consulting with an attorney as the letter Chase sent said something about my husband 's payroll deposits being subject to an additional 30 % tax!?! We're good ppl. We pay our taxes ( even receive receipts and a thank you for paying from the IRS ), pay our bills, abide by the law. This harassment and bullying can't be tolerated and surely doesn't seem legal without a warrant nor even a letter. Why does a bank have so much power? It is my opinion Chase is actively engaging in discrimination against immigrants and US citizens who are married to them.
Product: Debt collection

On XX/XX/2019, XXXX XXXX was contacted regarding a debt allegedly owed by XXXX XXXX. The type of debt was not discussed, but XXXX XXXX has never been a cosigner for XXXX XXXX at any point in time.
Product: Debt collection

company is attempting to collect a debt that is not owed and if the amount is owed I did not make the charge. The company did not send anything to my home address and put charges directly on my credit report. This is wrong, no proof of debt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX | XXXX SSN : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} NOTICE, this letter is a follow-up to the original letter I sent to your company. It seems that you are being willfully noncompliant. Specifically about the following unauthorized, false and fraudulent credit inquiries that were made by the following companies : Inquiries in Dispute : 1. Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX Made by your company XXXX on XXXX . 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Made by your company XXXX ( Bank ) XX/XX/XXXX My first request was simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have maintained the previous record of my communication with your company. If your company Fails to remove these fraudulent inquiries within 30 days of receipt of this certified letter. I am strongly considering filing a small claims action against your company, seeking {$1000.00} per violation for knowingly and purposefully furnishing deceptive forms, knowingly enabling XXXXdentity Fraud and sharing my personal information without my written permission or my consent. 

Sincerely,
Product: Credit card or prepaid card

A rental car transaction of {$450.00} appeared on my Chase Sapphire Credit Card. This amount is higher than {$310.00} that I was supposed to pay. After speaking with several Chase customer service representative, they insisted that transaction is valid, and refused to open a dispute due to the fact that I've already received the service. The reason why I contacted Chase is because it's impossible to reach XXXX XXXX location to resolve the issue, since no one answers the phone.