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

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to transition, XXXX, and XXXX and the investigation took well over 30 days.
Product: Credit reporting or other personal consumer reports

I would like the student loans on my credit report removed as they are a violation of FERPA 1974 per 20 U.S.C. 1232g ( b ) ... a violation of the family educational rights and privacy act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I tried to purchase car/semi truck insurance for my company ( XXXX XXXX XXXX XXXX XXXX from a company called XXXX insurance XXXX My company was ran under the authority of another company name XXXX XXXX. The guy  running this company is name XXXXXXXX XXXX Well he took my information and purchase the insurance for his trucks instead of mine. I explained this to the credit card company. When I called the insurance company for my refund, the states that they could not refund me because the purchase was made by XXXX XXXX under his company and that I would have to reach out to XXXX or XXXX  card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you because I noticed that my most recent credit report contains a late payment ( s ) reported for the above listed account. I want you to know that I understand, and have great respect for my financial obligations. Due to Covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for a mortgage and it has come to my attention that the missed payments on my credit reports could hurt my ability to qualify. In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payments from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! Thank you for your consideration.
Product: Debt collection

On XX/XX/2022, I received an alert from the credit reporting agencies stating that AWA has added an account to my credit reports. I never had any dealing with this company and never heard from them. 
Also, they never sent me a dunning letter and just added this alleged to my credit reports. I demand that they close this account in their office, deleted it from my credit reports, and cease and desist all collections activities including the reporting to the credit bureaus
Product: Bank account or service

My wife recently found out that an account was opened under her name at first Tennessee bank without permission. I felt concerned and went into my online banking to see if something similar happened with me. and i found out it actually did happen 2 years ago. 
I went to First Tennessee Bank to open a personal loan on XXXX 2013. Apparently a checking account was opened same day. closed 60 days later. no statements were sent to my house. no debit card was ordered and the account was hidden from my online banking. 
I found the statements alert on my email. online banking system is blocking me from viewing any additional account details because the account was closed. 
I have been giving the bank business for 6 years now. they 've made money from me. and it is not honest from the bank 's end to use my info and take the liberty to open and close accounts for any reason. 
at the moment i do n't even know the reason behind this action it could be anything from account opening bonus fraud to money laundering, whatever it is i feel like my info was jeopardized and i 'm entitled to know what the reason it was used for. 
I know a few more people who had the same occurrence and similar complaints will follow.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. AR XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Cease Desist Request Regarding Bankruptcy Reporting Dear TransUnion, I am writing to formally request that you cease and desist from reporting inaccurate information regarding my bankruptcy status on my credit report. My name is XXXX XXXX, and my Social Security number is XXXX. 
Upon reviewing my credit report, I noticed multiple listings of Chapter 13 bankruptcies that are both misleading disorganized : XXXX. XX/XX/XXXX, XXXX Chapter 13 bankruptcy dismissed/closed 2. XX/XX/XXXX, XXXX Chapter 13 bankruptcy dismissed/closed XXXX. XX/XX/XXXX, XXXX Chapter 13 bankruptcy dismissed/closed These entries do not accurately reflect my bankruptcy history, the courts did not supply this information in an orderly fashion. This lack of clarity may severely impact my creditworthmess. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. Furthermore, I have not supplied proof under the doctrine of estoppel by silence, as established in **Engelhardt v.

Gravens, 281 S.W.3d 500 ( Mo. Ct. App. 2009 ) **, which underscores the importance of accurate reporting. 
I formally request that you investigate these entries bankruptcy from my credit report. 
remove any erroneous or outdated information regarding my Please be advised that continued reporting of this inaccurate information may be considered a violation of my rights under the FCRA, I may pursue further action if necessary. 
I request a written response confirming that you have received this letter this issue. 
that you will take the necessary steps to resolve Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

In XXXX 2015 my Target REDcard store credit card was declined at a Target store. It turned out that I had missed my XXXX 2015 payment by accident because I never received my bill. Once I learned this I immediately paid my bill in full ( posted XXXX XXXX, 2015 ). When I went online to pay the bill, I saw a message that Target was " actively collecting a debt. '' ( Yes, after only missing XXXX payment. ) In XX/XX/XXXX ( after I had paid my debt in full ) I began receiving messages on my cell phone from " XXXX XXXX '' XXXX stating that they were " trying to collect a debt. '' I 've received four such messages since then, including today ( over two months since paying the debt in full ) and the messages sound like robocalls and are very generic ( not stating my name or the name of the merchant they are calling on behalf of ). I do not currently owe debt to Target or to anyone else. I pay my accounts in full and on time. " XXXX XXXX '' is therefore making continued attempts to collect debt I do not owe. I have not returned their calls because of this fact and I would like their calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, nor benefit from, or authorize any of the following accounts : XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$3000.00}
Product: Debt collection

Recently reviewed credit report stating that I owe a debt with XXXX XXXX that being collected by National Credit Adjusters. I have never been associated with the address they have listed/linked to report. I have never received notices about the debt.
Product: Checking or savings account

I Got A Fraud With A Guy That Call Me Use XXXX XXXX XXXX To Steal Me XXXX o XXXX Dollars XXXX  Years Ago I Called XXXX XXXX Number And A Representative Answer And They Told Me U Guys Couldnt Do Nothing About It. Thanks I Hope This Is Enough Information So U Guys Can Help Me Out get It Solve.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in those account 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. 


( CREDITOR NAME ) 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act this company has violated my rights.

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U. S. C 1681c ( a ) ( 5 ) States a consumer reporting agency may not make any consumer report containing any adverse items of information other than records of convictions of crimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to old student loans from XXXX through the gov FAFSA program. XXXX refuses to remove OLD negative credit reporting and late payments from my credit report, causing severely damaged credit score and also leading to bankruptcy. 

Because of this i can not get approved for a credit card or for my first home purchase. Legally XXXX is supposed to remove everything on my credit report that is more than seven ( 7 ) years old. The XXXX student loan dates i'm referring to are from XXXX, XXXX and XXXX. We are now in the end of XXXX, approaching XXXX. There are over 20 late payments still reflected on my credit report causing my score to be low. XXXX refuses to remove these old accounts. They are still reporting to ALL three major credit bureau 's ( XXXX, TransUnion, and XXXX )
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

A debt collections company placed an inquiry on my credit without legal documentation of proper contact or legal verification of debt. They also did not post the original creditor. This is a transferred debt purchased by another party whom did not properly disclose information correctly and illegally disclosed information to the credit bureau without properly verifying debt legally. They did not send me a letter of verification before they disclosed information on my credit report.
Product: Credit card or prepaid card

This is the second time this has happened. I called customer service the first time and asked this question. Why does it take 2-3 weeks for a payment to process. If I didn't mail a payment before I got a statement payments would never post on time. I was told it takes 14 Days from the time they receive the payment to post. That's way to long when is payment is made via ACH thru a bank bill pay. I asked for a supervisor non where available they took my information and never received a call back. The second time I made a payment without a statement again of {$100.00} on XX/XX/2022 thru my XXXX Bank Bill Pay Function on my Checking account. The Avant Mobile Application showed the payment received XX/XX/XXXX. The Payment Cleared my checking account on XX/XX/XXXX. The application stills shows Pending on the XXXX. I called Avant Customer Service again and was told 14 days from receipt. I got a supervisor named XXXX this time and she said 3 business days from receipt of the payment is the processing time not 14. I said it should have credited to my account then on Monday the XXXX. and asked that she makes sure the payment is credited now since it is the XXXX. She said it is pending. I will not override the processing and hung up on me. I have had this account for three months and have had this issue 2 out of 3. My payments are do on the XXXX of the month. Thank goodness I am making the 3 weeks before they are do and 10 Days before I receive a statement and the amount is significantly more than the minimum payment amount. It seems to me they are in business to wreck someone's credit and not help repair or improve like they advertise. 
They must survive on collecting late fee 's with a processing time of 14 days. I have 4 other credit cards and when I make a bill pay payment thru my XXXX bank account it is credited to my other cards within 2 days of the date sent. 

.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXXon my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian, XXXX. XXXX, Experian, XXXX has violated my consumer rights and violated federal law. This is multiple letters now that I have sent attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Bank account or service

On Friday XX/XX/XXXX I received a credit from Wells Fargo of {$200.00} on Account # that ended up being a temporary account and then I received a bill for another account # supposedly new account. I pulled my last bill and it had a different Account which was my original account number. 
I walked to the Wells Fargo downtown XXXX, NC on Monday XX/XX/XXXX and XXXX XXXX, Personal Banker called Wells Fargo Home Projects and spoke with XXXX around XXXX He advised that Wells Fargo had closed my original account because they wanted to remove the Visa portion of the credit card and opened a temporary account in error as my Home Project account. XXXX could see my credit and they advised it would be moved to my new account. 
Since my newest bill was for {$340.00}, I deducted {$200.00} credit and did not pay late fee of {$27.00} as I was not late and Wells Fargo put on temporary account. I should not be penalized, so I mailed a check for {$120.00} as that was the balance and put credit remittance, bill remittance, explanation of deducting {$27.00} late fee and copy of XXXX 's card. 
I then received a letter dated XX/XX/XXXX from Wells Fargo explaining a Temporary account was generated in error and it appeared everything was straightened out. However, I received a call at my work on XX/XX/XXXX at XXXX saying they want to know how I plan to clear up my past due balance. I was so upset as I had already spent an hour personal time from my work the first time straightening this out. I told them I would have to get all my documents from home and return call as the person was saying I missed a payment and I knew I had n't. 
I pulled all my history for a little over a year and I have paid every payment a few days to a week before the due date and have been paying extra and I usually pay at a Wells Fargo. My regular payment was {$160.00} and in XX/XX/XXXX I paid 2 months ( {$320.00} ) and then after that all except for 2 months I paid {$200.00} a month. 
I now have next months bill saying I am past due {$40.00} and there is a {$37.00} late fee. I would gladly pay if I was truly was late and truly past due however if you take {$120.00} + {$200.00} credit = {$320.00}. My newest bill even shows payments {$320.00} other credit {$27.00} late fee so this should have been settled. However when I look on the right side of my bill it say past due {$40.00} and {$37.00} Fees charged. 
I was told my case has been turned over to XXXX XXXX and it may take up to 10 days, in the mean time my account gets more and more complicated. 
I have been paying extra to resolve this account and now I feel they are also messing with my credit as they can report me as late but I am not.
Product: Credit card or prepaid card

My account was marked for late payments for XXXX XXXX, XXXX, when I in fact made payments.
Product: Payday loan, title loan, or personal loan

The original creditor, XXXX XXXX XXXX charged off the debt and sold it to XXXX XXXX XXXX. Who then hired a third party, Northwood Asset Management Group to collect the debt. Mr. XXXX of Northwood Asset Management Group threatened me with criminal fraud charges if I did not pay either the full amount today or make arrangements today. They did get my debit card # information with the arrangements. But then, I started questioning whether they can do that to get their money. Thats not legal, after speaking with a consumer protection attorney in my state. I feel this debt collector broke federal law and wish for them to be pursued for their actions. Also, when I told them I could only afford $ XXXX/month, they refused that amount and forced me to pay them $ XXXX/month to keep from being criminally prosecuted. Which is illegal, also.
Product: Credit card or prepaid card

On XX/XX/2023, a {$200.00} Vanilla Visa gift card was purchased at a XXXX in XXXX and gifted to us. The package was seemingly untampered with and completely sealed. 

Upon opening the card, the XXXX to XXXX digits of the 16 digit card number were scratched off as well as the security code on the back. The card was activated in store ( electronic card activation receipt attached ) but we have not been able to purchase anything with the card. I believe the cards have been tampered with and used before we have even opened it.
Product: Debt collection

I processed disputes online requesting copies of the contracts of the collection items that were sold to agencies on my credit report. On all disputes I got a response back in 48 hours confirming that the collections were mine and no evidence. They did not take the time to properly investigate and provide me with proof to contact agencies to dispute.
Product: Student loan

I have 5 Parents Plus loans serviced by EdFinancial. 
I am trying to arrange priority of payments according to interest rates, but the EdFinancial website does not provide that information. Additionally the EdFinancial website does not provide the formula and/or calculations for my monthly payments. Given the widespread reports of student loan servicing companies miscalculating monthly payments, I want to verify that their calculation is correct. 
EdFinancial does not respond to my email inquiries.

The EdFinancial chat feature does not work. 
The telephone number either cuts the call after an outgoing message saying there is too much volume or has hold times in excess of 2 hours. 
EdFinancial is refusing to provide necessary information regarding my loans. This predatory practice is unacceptable.