23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I realized my check had a garnishment on it on XX/XX/XXXX, did not know why this was and contacted the employer who had to check to see what it was about, I was not previously notified by either the collection agency or my employer. The employer sent me over a form letter sent to them by ECMC stating I had a defaulted student loan, when I contacted ECMC from the number on the form letter sent, I spoke with XXXX who stated the student loan was from XXXX which was odd since I have only had grants for my higher education, I told her this showed on my credit several years ago and was removed and now they were attempting to re-age this by stating it happened and was received by them on XX/XX/XXXX -- -again this does not make any since. I asked for a copy of the signed loan for verification of this debt, on XX/XX/XXXX and to date have not received this information, however the employer is still taking money from my paycheck. According to the form letter sent they will continue to charge interest while money is being taken from my account. In XXXX I had another company contact me about this same issue and then refused to provide me with the documentation requested, never heard back from them, so ECMC again bought this loan again and this time begin garnishing my money. As I stated to my employer I thought I should have had prior knowledge of this from someone, and did not, also, when I asked XXXX of ECMC about prior contact her reply was someone told her the number I called from was not my number and that they sent a letter ( not a certified letter, just a letter ), which again, I did not receive. So I have no proof that they truly sent the letter and i did not reply nor do I know how they got my phone number, as I did not previously give this number to them to even contact me. I was given reference number of : XXXX to provide to a loan locator at ( XXXX ) XXXX, I again asked for documents proving this loan. I was able to go to a website and pull the same form letter used by this company for a garnishment, which disturbs me that it is that easy to do and then send to an employer who just takes the document ( which has no legal stamp or anything on it ) and begin garnishing money. I would think I could do the same think if form letters and not court orders are necessary these days ... .too much power and authority is given on these student loan collections ... .a loan from XXXX has been written off, how many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Mortgage

I 've received XXXX emails from Bank of America stating they have n't received my mortgage payment and for me to contact them as soon as possible. When I received the XXXX email, I called Bank of America and spoke with a rude person by the name of XXXX ( man ). XXXX verified that Bank of America DID receive my mortgage payment. I questioned XXXX about why Bank of America was harassing me with these emails on something that was n't even true!!! He refused to answer and became nastier. I terminated the call.
Product: Credit card or prepaid card

XX/XX/XXXX I logged into my care credit card account to make sure my available credit was still where it was as I have upcoming dental work and I noticed my care credit limit was decreased from {$6000.00} to {$500.00}. I called into synchrony bank, care credit to get my limit corrected and they refused. So I closed my account. I am incredibly angry and upset that they refused to correct their mistake. Horrible customer service!!
Product: Credit card

I woke up today to find my credit score tanked by XXXX points suddenly and unexpectedly. Noting a sudden closure on an account with no notification from Synchrony regarding the closure. 

Upon contacting them I've been provided multiple different narratives and no direct answer as to why I wasn't notified or precisely why the account closure was sudden and unexpected, or as to how to reinstate it beyond applying for a new card, which I'm not interested in. 

This has happened from the same company 3 times. Once with a care credit, that was closed suddenly and unexpectedly ( I eventually reopened this ) and once with a paypal mastercard that was again closed suddenly and unexpectedly. This marks the 3rd time that this has happened with this company, and the only response I can get is that they simply aren't required to provide any notification of cancellation if the card hasn't been used recently. 

I have received neither physical or electronic mail regarding the cancellation and after 3 attempts to contact them they simply leave me with a non-answer. Additionally they've attempted to divert my complaint away from the CFPB suggesting instead I call the company or its sufficient to simply complain to the company. 

This account was transferred to them following a closure of local furniture store a few years back and I never received communication regarding any change of policy or any timeline for use. I never even received an updated credit card for use from the original card that I had received from the furniture company when the account was opened in 2017
Product: Checking or savings account

XX/XX/XXXX I put in a dispute claim with Wells Fargo about 2 transactions I used a different form of payment I emailed them proof that I paid a different way but their rep. Decided to deactivate my card due to fraud but I specifically said it wasnt fraud. Now I cant pay my rent with my debit card because thats the only form of payment my apartment takes. The agent did that on purpose because I asked to speak to a supervisor and he refused so I hung up and called back to get a different representative! This has caused my rent to be late and Im stuck with a XXXX $ late fee due to him being wicked towards me! I need some type of help with this situation asap! Not to mention I didnt even know my card was deactivated till I tried to order my kids food. He didnt even have the decency to reorder me a new card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is currently in litigation for predatory lending and a list of other things. I want them removed.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I filed for bankruptcy, but did not include the loan on my vehicle. I made timely payments on my vehicle until it was paid off in XX/XX/XXXX. I was reviewing my credit report and the loan holder reported that my loan was discharged through bankruptcy which wis not true. I contacted XXXX to correct the discrepancy. Today, XXXX XXXX, XXXX, I received an email from XXXX that my dispute was resolved. XXXX did not resolve anything and the incorrect information remains. Thank you.
Product: Checking or savings account

we moved cross country and my online login uses my old phone number [ landline ] for two part verification so I was unable to access my A/C I called multiple times and identified myself with DOB/Mother 's maiden name etc etc. They wouldn't accept this to change the phone number for two part verification. They insisted I supply a notarized statement. I took their form to a local [ OR ] notary and sent it off to Discover No response after 3 weeks so I called in again only to be told no one has looked at my notarized statement.Called back several times and got the same response. Insisted that all I want is to close my A/C and be done with Discover Finally, got the respnse that my notarized statement is incomplete. Was told a supervisor would call me and no call was received.

The " incomplete '' issue may be the result of OR notary law requiring notaries to use their own form and NOT the form provided by Discover. All the same info is included.

Hilariously they have changed my mailing address based on my Postal change of address but will not acknowledge they have identified me.

I just want to close mt A/c and never have anything to do with Discover again
Product: Credit card or prepaid card

I have an  XXXX   XXXX  card which is supposed to pay 5 % on supermarket purchases after an yearly limit of {$6500.00} at 1 % is met. My reward year resets every  XXXX . I met the {$6500.00} in  XXXX  and was receiving 5 % in  XXXX . Suddenly in  XXXX , I did not receive 5 % for another  XXXX  at supermarkets ( instead only received 1 % ). The reward year again reset in  XXXX . So, I was forced to spend {$13000.00} in a single reward year.     I was not paid the difference inspite of several hour long calls in which the representatives were not able to explain why I did not get it, but they still would not credit the difference and kept raising the issue at different departments. I am finally giving up after explaining this to several agents over several hours. I appreciate if you could look into this and credit me the cashback I rightfully earned.     Account  Ending  in  XXXX . Name on account  XXXX   XXXX
Product: Credit card

Dear Citi Bank Customer Service, I am writing to express my serious concerns and to file a formal complaint regarding the recent and abrupt decrease in my credit card spending limits, which has resulted in an over-limit balance that I am now being asked to pay. My name is XXXX XXXX XXXX, and I am the holder of two credit card accounts with your institution, numbered [ Credit Card Number 1 ending in- XXXX ] and [ Credit Card Number 2 ending in- XXXX ]. 

In early XX/XX/XXXX, I made substantial payments to both accountsone payment of {$5000.00} ( XXXX ) and another of {$3500.00} ( XXXX ) demonstrating my financial responsibility and commitment to maintaining a healthy credit standing. Despite these significant payments, I was shocked to discover that the spending limits on both cards were reduced without any prior notification, effectively absorbing the large payments I had made and leaving me with an over-limit balance. I am also expected this month to make a {$4300.00} monthly XXXX payment to account ending in XXXX for the over-limit balance. 

I have consistently demonstrated my reliability as a customer, having never been late with a payment for either card. It is my belief that this reduction in my credit limits may have been unjustly influenced by a dispute filed with XXXX XXXX XXXX, which should not have any bearing on my standing with Citi Bank. XXXX XXXX XXXX  submitted my personal financial information that violated consumer protection laws. 

Moreover, I have made several attempts to contact your customer service department to obtain clarity and information regarding this matter, but my requests have gone unanswered. This lack of communication is not only frustrating but also unprofessional, and it does not align with the level of service I expect from a reputable financial institution. 

I would like to bring to your attention that, according to the Consumer Financial Protection Bureau, credit card issuers are required to provide a 45-day notice before charging over-limit fees or applying penalty rates due to a decrease in the credit limit. Additionally, the Equal Credit Opportunity Act mandates that credit decisions should not be influenced by discriminatory factors. 

Given these points, I request an immediate and thorough investigation into the reduction of my credit limits and the subsequent over-limit balance. I also demand that my credit limits be reinstated to their previous amounts and that any over-limit fees incurred due to this reduction be waived. 

In addition, I will also be submitting my complaint to FDIC Response Unit, Consumer Financial Protection Bureau and Federal Trade Act ( Equal Credit Opportunity Act ). I trust that Citi Bank will address this issue promptly and fairly. 

I expect a prompt response to this letter, including a detailed explanation for the decrease in my credit limits, the steps taken to ensure compliance with federal regulations, and the actions you will take to rectify this situation. 

Thank you for your attention to this urgent matter. I trust that Citi Bank will take the necessary steps to resolve this issue in a fair and timely manner. 

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

The account of XXXX XXXX is not reflecting consistent or accurate information. I have advised the bureaus, cfpb and the XXXX  and this account is still reflecting inaccurately on my credit files. 
Dates, are wrong and or incorrect, reported dates inaccurate, late payments inaccurate. There are many inaccurate items. 
There is also a new inquiry from XXXX XXXX that is unauthorized. I have not granted any permission to run my credit for a student loan.
Product: Debt collection

In XX/XX/XXXX I received a letter from this company stating I owed XXXX to XXXX XXXX. However, I had been in communication with XXXX   upon me moving out as they were going to put my apartment on the market as soon as I moved to try to get a someone to rent it out before my actual leasing date was up. I moved out 30 days before my lease was up due to miscommunication on their end. However, I agreed to still move as I had already signed another lease with a different apartment so I agreed that I would pay up until someone leases out that apartment. The property manager encouraged myself and my roommate to pay the rent until up until the date we are moving and to not worry about late fees because they were sure the apartment would be leased out. The apartment was leased on. XX/XX/XXXX and our leasing contracting was supposed to be over XX/XX/XXXX. But they still charged me rent and the late fees up until XX/XX/XXXX. Which is charging double rent for an apartment. Therefore, Im not willing to pay this company {$2100.00} as this wasnt apart of the agreement. I discussed this concern with the debt collector ( hunter warfield ) upon receiving the first notice and they stated they would contact XXXX to get a new amount in contact me within 14 days. Well 14 days went last and I received another notice in the mail in late XX/XX/XXXX with the same amount ( {$2100.00} ) and never contacted me with a resolution. So I contacted them once again to resolve the issue and they reported they would contact XXXX  and contact me within 14 days with a resolution. Still no contact and no letters being sent until XX/XX/XXXX when I received notification of this company on my credit report. I called to resolve the issue again and they argued with me about the amount stating I have to pay that or I wont be able to lease an apartment anywhere else ever again. Im willing to pay the amount that up until the new tenant moved into the apartment on XX/XX/XXXX but I will not pay them double the amount of rent. The company would not settle as the are charging the wrong amount plus an ample amount of late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some item resolve, closed, charged off, paid off and clear on 2020. Still showing on my credit report. I contact credit card company and they can not help me, because they already received payment and account has been closed. Credit bureau is not removing it from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  and XXXX XXXX XXXX showing on my report as Red flag. Which is costing me lower credit score, unable to buy car and many other issues. Please help.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

Wakefield and associates is reporting a debt in VIOLATION OF HIPPA LAW. I did not authorize Wakefield and associates to disclose my medical debt to the credit companies, I have not receive anything from Wakefield because I do not have any contractual agreement with Wakefield. They need to remove such debt from all major credit reporting companies ASAP. I will file a case against them for the violation of hippa law.
Product: Credit reporting or other personal consumer reports

I am disputing several inaccuracies on my credit report as reported by Experian, XXXX, and XXXX, which reflect negligence and non-compliance under the Fair Credit Reporting Act ( FCRA ). Specifically : 1. There are collections accounts listed on my report that exceed both XXXX statute of limitations and the permissible seven-year reporting period under the FCRA. 
2. There are some hard inquiries on my report from companies for which I did not provide authorization or consent, in violation of the FCRA.

3. Some missed payments remain on my report despite my prior disputes. These disputes were not properly investigated, nor was corrective action taken as required under the FCRA.

These inaccuracies demonstrate a failure to ensure the accuracy and integrity of the information reported by Experian, XXXX, and XXXX. Your negligence in addressing my disputes violates your legal obligations to conduct due diligence and promptly remove inaccurate information. I request immediate attention to these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Violation of Fair Credit Reporting Act by Equifax Dear Sir/Madam, I am writing to formally express my concerns regarding Equifax 's apparent violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681B , which outlines the permissible purposes of consumer reports.

The law clearly states that any consumer reporting agency may furnish a consumer report only under specific circumstances. According to 15 USC 1681B ( 2 ), a consumer report may be provided in accordance with the written instructions of the consumer to whom it relates.

Moreover, the FCRA under 15 USC 1681a ( 2 ) ( A ) ( I ) specifies exclusions from a consumer credit report. This section indicates that a " consumer report '' does not include any report containing information solely related to transactions or experiences between the consumer and the person making the report, I am the consumer provided that it complies with section 1681s-3.I am the consumer making the payments, and the person making the report is the data furnisher. This means there can not be any late payments, because late payments are Transaction 's being reported on my credit report by the data furnisher about me. That is an exclusion to what can be contained in a credit report Given these regulations Equifax has not adhered to the legal requirements set forth in the FCRA. I request that the Consumer Financial Protection Bureau investigate this matter to ensure compliance and protect consumer rights and have XXXX XXXX XXXX  XXXX removed from my report. 

Thank you for your attention to this important issue. I look forward to your prompt response. 

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

THESE LISTED ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME, SOMEONE USED MY INFORMATION TO FRAUDULENTLY OPEN LISTED ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

National Credit Systems has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I reviewed again my credit reports and I can still see the inaccurate information that needs reporting and correction through your company. It's been affecting my life. Please I need this fix as soon as possible. Thank you