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

XXXX XX/XX/XXXX I returned an XXXX XXXX to XXXX. I have the receipts for Drop off and Proof of delivery. 

XXXX billed me {$1200.00} for the cell phone by using my autopay. I disputed the Payment with XXXX XXXX. I have a letter from XXXX XXXX stating that I did not owe that money. 

XXXX involved a debt collection agency. I became aware of this when I pulled my credit reports in XXXXXXXX XXXX XXXXXXXX. I have disputes in process with Experian, XXXX XXXX, and XXXX Credit Agencies. I have had no success with these disputes. It appears that because XXXX XXXX XXXX filed a verification of debt, I must wait for a dispute process that is currently based on wrong information. XXXX XXXX  XXXX  added their fee. The amount due is now listed as {$1400.00}. 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. I also filed a complaint with the FCC. I found online records of other customers with the same or similar complaints about XXXX. XXXX XXXX XXXX I requested only that XXXX stop pursuing me for money that I do not owe them and clear my credit bureau issues and write letter of apology to me. 

This long period of promises via telephone interaction has produced no results. I have a record of the calls that include dates/timesXXXX personal and XXXX XXXX  personnel. 

The latest written communication from XXXX is this email : I am sorry I missed you. I am typically available Monday through Friday between XXXX XXXX XXXX XXXX XXXX. 

Please note, this week, I will be out of the office early on XX/XX/XXXX and XXXX at XXXX XXXX. PST, and I will be unavailable all day on XX/XX/XXXX. On XX/XX/XXXX, I will have extended availability from XXXX XXXX XXXX XXXX XXXX PST before resuming my regular schedule next week I will be happy to return your message when I return. If you need immediate assistance, please email XXXX. Thank you and have a nice day! 

XXXX XXXX ( he, him his ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Direct XXXX XXXX I intend to call him on XX/XX/XXXX at XXXX Pacific time which is XXXX East Coast time. 

I want this situation resolved as soon as possible. I am a XXXX XXXX XXXX XXXX XXXX on a fixed income. My credit score will impact my ability to stay safe and healthy and to support myself as I age. Any assistance you can offer is very appreciated. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX. I am the consumer filing this complaint and I give my authorization to the company to provide mt credit file and whatever information is necessary to rectify these issues without me having to explore legal options. Over the past year or so I have repeatedly initiated multiple factual disputes on accounts reporting incorrectly on my credit report and requested immediate deletion of these accounts due to Experian reporting errors and FCRA violations after I notified them of these errors preciously. These inaccurate Accounts remained on my credit file after multiple disputes. I sent in 2 method of verification letters for an explanation on how these accounts were verified as accurate and whom they verified the information with. They have not provided this information for any of the accounts I've disputed. 

Experian had 15 days to respond to my 2 method of verification requests. My requests were ignored. I recieved dispute results dated XX/XX/2021 with the same errors and FCRA violations being reported previously. Clearly there is no human investigation going on and that this process is automated. As the consumer, per FCRA my credit file is supposed to be 100 % complete, verifiable, and accurate. I would like to demand that the following accounts being reported incorrectly be DELETED from my credit file IMMEDIATELY. XXXX. XXXX XXXX XXXX because method of verification was not received from the credit agency and notice of dispute status was not entered after 30 days of the dispute. 2. Dept. Of Veteran Affairs ( 3 accounts ) because method of verification was never recieved, notice of dispute never entered, accounts are not reporting the same date of last payment or account rating info across all 3 credit reporting agencies, and accounts show late payments when there was not contract ever signed for these debt amounts. Please delete immediately from credit file. 3. Dept. Of EdXXXXXXXX  ( 4 accounts ) because requested method of verification was never recieved, account is missing notice of dispute status, All 4 accounts are reporting 90 day late payments with no prior 30 or 60 day late payments immediately prior. This is a FCRA violation. Proof of missed payments never supplied by Experian. Please delete this account immediately! Per FCRA E OSCAR verification is not sufficient.
Product: Credit reporting or other personal consumer reports

I just checked again my XXXX, Experian and XXXX credit reports and I can see account reporting inaccurately. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and noticed a total of XXXX credit inquiries, i never authorized the hard inquiries and was told several time by both dealerships that there would not be a hard pull on my credit. this was on the XXXX of XXXX. i told them several times do not run my credit hard pull without my permission and they did it anyways. I also had a similar problem on the XXXX  of XXXX from XXXX XXXX XXXX where they ran my credit countless times without my permission.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Settled debt with XXXX XXXX XXXX XXXX. ( Discover ) for less than full amount on XXXX/XXXX/15. They took payment and told me that I would get a letter noting this after 21 business days had passed based on what some bank told them they need to do. I have called them @ XXXX a total of XXXX times requesting this letter and have been told that it was mailed but have not rec 'd it. After calling again today XXXX/XXXX/15 ( XXXX XXXX-ext XXXX ), I was told that XXXX of their attorneys has to approve the letter being sent but they would not allow me to speak with this attorney for clarification. I asked for a supervisor ( XXXX XXXX-ext XXXX ) but was told he was too busy to speak with me. I believe that I am getting the " run around '' and would like to file a complaint as this seems to be an unfair debt collection practice.
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX XXXX for erroneously reporting two bad debt accounts on my credit profile with ALL three credit bureaus. I contacted XXXX  XXXX on XX/XX/XXXX and spoke with a Rep by the name of XXXX. I was informed that the original creditor was Speedy Cash.com and the debt is from two online installment loans in the amount of {$1500.00} each. XXXX said a loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account # XXXX ) and a second loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account number XXXX ). XXXX said the loan taken on XX/XX/XXXX was paid in full by a debit card, but that transaction was subsequently reported as fraudulent. I informed XXXX that these debts do not belong to me because I have never taken an online loan with Speedy Cash. I asked her to provide me with documentation that the loans were taken by me. XXXX said she could not provide me with any documentation and suggested that I file a police report or complete a fraud affidavit with the FTC. I have never received any communication from Speedy Cash or XXXX  XXXX XXXX about these debts. This erroneously debt was brought to my attention when I was recently denied credit and I contacted the credit bureaus for a credit report. 

If this issue is not resolved within 30 days, I will file a civil law suit against XXXX XXXX as this negative reporting on my credit has created a serious financial impact.
Product: Student loan

Nelnet is my loan service provider. I am signed up for the SAVE repayment plan, and my monthly payment is supposed to be {$40.00} per month. My first month I paid {$40.00} on XX/XX/ and everything went fine. My second month I paid {$42.00} on XXXX but it did not prompt me with a minimum payment. My third month it told me my minimum payment was {$33.00}. So on XX/XX/ I paid {$34.00}. This payment went through but it said that my minimum payment was still {$33.00}. I assumed I was on the early side of the next payment cycle so on XX/XX/ I paid another {$33.00}. Now it is XXXX and they are saying that I am late on my payment and I now owe two payments of XXXX. One due immediately and the other one due on XX/XX/. I have screenshots of my payments in their system. I tried using the chat bot on their website but it just says to call them. I called them and and it said that I should just use their chat bot, and it hung up on me. Then I called back hit 0 a bunch until it said it was going to connect my but it needed my social security number. I put in my SSN and it said it was wrong, so I put it in again and then it said that I should just used the chat bot but that I can wait for a person if I wanted to, however, they are having unusual call volume so my recall time will be approximately 82 minutes. They then hung up with me after an hour and five minutes and thirty three seconds. I have the transcripts of the calls.
Product: Debt collection

Convergent reported inaccurate information to the credit bureau on XX/XX/XXXX and XX/XX/XXXX 14 days apart not a full 30 days apart, the balance dates were different and the amount owed was different as well. Please see highlights in file. This caused my credit score to drop drastically by 65 points right in the middle me closing on a home, which in turned raised interest rate to a point where I did not feel comfortable accepting. I was so alarmed that I called Convergent immediately to clear up any balances without them verifying the debt because I just wanted it paid and removed from my credit report. Once I contacted them I was told by one of the agents that it would be deleted from my report within the next 30 days. This did not happen, this account still remains on my report. Convergent is in violation of 15 U.S. Code 1692e at this point for false or misleading representation. I have called them several times and asked if they would remove it and their answer is always no. I am continuously being quoted higher interest rates because of this paid collection. I would like this collection account deleted from my credit file, so that I can obtain a fair and reasonable interest rate on the purchase of my home and other credit purchases. The debt has been pay why is is still showing in collections on my credit profile. Please delete
Product: Credit reporting or other personal consumer reports

I have an account which is reporting inaccurate payment history, I spoke with the creditor and they sent a letter to XXXX and Transunion for the late payment to be removed and it was not. This is a violation of 15 U.S. Code 1681 ( a ). Furthermore the creditor sent documentation to the credit reporting agency to remove the late payment.

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in the months that I was late 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.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

On XX/XX/2021 and XX/XX/2021 there were charges made on my account with suncoast credit union made by XXXX - XXXX XXXX for both transactions the total amount was {$9000.00}. I did not authorize these transactions I filed a dispute and Suncoast credit union sent me a letter on XX/XX/XXXX stating they were going to do a good faith collection of the charges from the merchant instead of following through with the dispute and getting me my money back. I waited about 25 days and called the bank and they said there was no communication with the merchant. Then when 30 days came around they said the documents that were sent to them were invalid. Now they gave them 5 days to respond which I am unsure when the merchant responded but it must have been after the 5 days were up because I called the bank and they said there was no communication. Now the bank has sent me the document that made them come to a decision and I can not open the document up. I did not authorize these charges and some one must have my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an item on my credit report incorrectly and inaccurate. Other bureaus removed this item, do the same thing Experian!
Product: Credit card

I paid off my M1 Finance Credit Card on the XXXX, and this was confirmed as " received '' via an email later that day. ( Also, I made the payment from my M1 savings account, so I had no reason to think they would have any difficulty in completing the transfer between two accounts both held by them. All my other intra-M1 transfers up until now have been conveniently instant. ) Today, the XXXX, I received an email saying that my credit card payment had " failed '' and that I had incurred a fee. 

I tried contacting support, but their phone lines simply say they are not available, and offer no information for when they are available. Their online support consists of a poorly-implemented AI chatbot that appears to have a 1st-grade grasp of the English language. 

Attached are screenshots of the payment confirmation and failures. 

I am also trying to close this credit card as I do not trust this company, but they only allow this through their phone support which I have no idea when will be available.
Product: Mortgage

Good Afternoon, My account has fallen deliquent because of covid 19 the pandemic and my servicer is Select Portfolio Servicing my account number is XXXX they would not work with me they tried to give me a payment plan of almost XXXX a month i can't afford that during a pandemic, how can they advertise " if you have been impacted by covid 19 we are here to help '' and then slap you with a years worth of interest and a payment plan double your normal payment, how is that helping?. I have asked them if they would waive the year long interest that accrued on the account due to the pandemic and I would refiance my property for XXXX that is all i can get to do so and that is all i would generally owe if I wasn't affected by covid, I tried to go to places that had mortgage relief funds from the cares act but they told me there was no more funds. How can Select Portfolio sit there and say they are willing to help their customers when they are not willing to waive the interest that accumlated on the pause of the payments, if the governor is going to allow the mortgage payments to be paused during a pandemic then they shouldn't charge the interest during that time either, Can the CFPB help with getting this resolved this should not be allowed, I want to pay my mortgage off with a refiance and pay exactly what I would owe them pre covid which is XXXX can you help
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  XXXX Charge off amount {$38000.00} Date opened XX/XX/XXXX XXXX XXXX  XXXX Charge off amount {$3100.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reported balance XXXX Date opened XX/XX/XXXXXXXX XXXX XXXXXXXX Reported balance XXXX Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The current standing of the Federal student loan at EdFinancial Services is listed as open with a balance of roughly {$12000.00} on my XXXX credit report. The loan was transferred from EdFinancial services to XXXX XXXX and was forgiven through the Federal student loan forgiveness program. The XXXX XXXX correctly indicates that the loan balance is {$0.00}. The EdFinancial Services account still shows the loans carrying a balance. 

I initiated disputes at XXXX with accompanying paperwork showing the loan balance at EdFinancial services in XXXX and XXXX of XXXX. No action was taken to clarify the Dispute. I also contacted XXXX services on XX/XX/XXXX with the following : " From : XXXX Sent : Thu XX/XX/XXXX XXXX XXXX ( Eastern Daylight Time ) To : XXXX Subject : Other XXXX XXXX  My loans were transferred and closed at Ed Financial Services to Federal Student Aid for forgiveness, but on my XXXX and XXXX credit report the Ed Financial loans are not marked as closed. The last update was XXXX of XXXX. 

Please report these loans as closed to All credit reporting agencies As soon as possible, to avoid future legal action. 

Best Regards, XXXX '' the response was as follows : " On Tue, XX/XX/XXXX at XXXXXXXX XXXX XXXX wrote : Hello XXXX, Thank you for contacting Edfinancial Services. We apologize for any inconvenience this may cause. The U.S. Department of Education has changed the process of credit reporting when your account is transferred between federal student loan servicers. We will no longer close the current tradeline for your federal student loans, instead, the credit reporting file is now transferred to your new federal student loan servicer. Your account was transferred to the Public Service Loan Forgiveness processor on XX/XX/XXXX, and they would have received your credit reporting file within 90 days of your transfer. Please contact XXXX directly for further assistance. 

Thank you, XXXX Edfinancial Services We value your opinion and want to know how we can improve your email experience. Please take a minute and provide us with your feedback by clicking on this short survey. 
https : //Edfinancial.com/emailsurvey '' I responded on XX/XX/XXXX : " From : XXXX Date : Tue, XX/XX/XXXX at XXXXXXXX XXXX Subject : Re : XXXX To : XXXX Hello XXXX, The loans were transferred, but there is no indication on my credit report that they were transferred from you to the other vendor. So it looks like the loans are still open at Ed Financial. There has to be another step to document the transfer of the loans and subsequent zero balance owed to Ed Financial. Otherwise it looks like I still owe Ed financial $ XXXX even though the loan is closed and forgiven at XXXX. This needs to be escalated to management for review. 

Thanks XXXX '' No response has been received from EdFinancial at this time, additionally the disputes at XXXX were not successful, thus the loans still show the {$12000.00} is owed to EdFinancial when there is a {$0.00} balance.