23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have two credit cards with the same company ( Genesis ). I have a Milestone Master card and an Indigo card. I am NEVER late on my payments! I used two separate bank accounts to pay both bills early. I have the evidence ( Bank Statements ) Milestone has sent me a letter saying I am late and has been charging me excessive fees. I contacted them on numerous occasions. After being transferred multiple times I was finally able to speak with a person that discovered the company has been applying both payments toward one card. They promised to fix my bill and card. For more than three weeks now I have been in contact with them and the agents transfer me around to multiple people and say its under investigation review and they are going to fix it. I received a call today from them, they attempted to state I was late and over limit. I requested a supervisor, explained the situation and they again said they are working on it. While speaking to the supposed supervisor I made sure she took down my phone number in the case the call drops. She said ok, 2 minutes later they went silent and hung up. They didnt call me back. This company is fraudulently reporting to me I am behind and attempting to charge me with late fees. I have always paid my cards early or on time. I have the bank account proof. They continuously put payments on only one card. I have provided both account numbers and card numbers each time I have paid. Every time I contact them, they transfer me to multiple people, havent resolved their billing errors and are trying to charge me and are going to ruin my credit. My Milestone card ends in XXXX my Indigo card ends in XXXX! 
They have identified their mistakes and admitted to it, yet they havent fixed the issue! I am fearful this Genesis Card company is fraudulently reporting me as late on my Milestone Card and have not brought my account as current and fixed their internal issues. They constantly transfer me to different supervisors admit to their faults, and then the calls disconnect and I receive no call back! I am demanding they bring me CURRENT and I have EXCEPTIONAL PAYMENT HISTORY WITH ALL OF MY CREDIT CARDS and I want to rid of this credit card company. I would like to follow with a lawsuits against them. Please advise me on this and call me at ( XXXX ) XXXX NOTE : I have also reported to them that I have made numerous attempts to access my online accounts with them and it always shows unable to access or no history of the information provided. I have been walked through processes with their agents and still no access. They promised me on numerous occasions that their IT would contact me and I never receive a call or email! This company is taking money from consumers and my fear is they will ruin my credit! Please contact me! 

I am providing two snapshots of my different bank accounts as proof of what they have done! They clearly show {$100.00} payment from XXXX Account and a {$40.00} payment from my XXXX Account! 

Thanks
Product: Credit reporting or other personal consumer reports

The fraud alert was placed on my credit file due to a past incident of XXXX XXXX, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Product: Student loan

I took out a loan in 2006 and have paid over {$18000.00} on a loan disbursement of {$10000.00}. They just notified me of another payment adjustment ( unknown why, none of the reasons fit my situation ), but on the notice they state total repayment is {$17000.00}, which I have exceeded. Their site shows total interest paid of almost {$13000.00}, but my balance is still higher than original distribution of {$10000.00}. They can not provide me a thorough accounting of payments and my payment history online indicates principal paid of {$5700.00} and loan term of 120 months. Have paid on this loan for 10 years this year. The accounting seems 100 % fraudulent. This demands a thorough investigation and consumer protection to provide how my most recent notice of payment change still shows I owe another 114 months.
Product: Credit reporting or other personal consumer reports

My accounts 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.

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

this account with XXXX XXXX XXXX account number XXXX Date Opened XXXX/XXXX/XXXX was never Past due 30 days six times or more late at any point please help e resolve this issue
Product: Credit reporting or other personal consumer reports

I have requested a copy of the consumer report with Equifax after being denied housing and employment. I came into the knowledge that the account information being reported by Equifax prevents me from gaining access to financial products and services. I recently learned about my right to be protected from debt bondage and severe forms of XXXX I submit my written and electronic requests to Equifax for immediate consumer protections in accordance with FCRA, Section 605C. Equifax, a consumer reporting agency and its employees denied each of my requests to block adverse items in four business days. The derogatory accounts have worsened and are still being reporting in my consumer report. Equifax exceeded five business days to notify me of the denial. I am without employment and was denied housing, insurance and credit because of the adverse items reported by Equifax. I did not know when I waived my right to opt out of consent to furnish this information. Equifax has failed to provide me with equity, compliance, the required record keeping and written procedures as requested. Equifax has failed to adhere to the expectations that were intended to protect survivors of XXXX as the CFPB concludes its purpose to help survivors restore their credit to meet both immediate and long-term needs.
Product: Credit card or prepaid card

I have a Bank of America credit card and I pay the balance in full each month. I also have the credit card linked to a Bank of America checking to direct pay it each month on time. The Bank of America checking never auto payed the Bank of America credit card. This is something I dont need to initiate, its generated a payment on its own. I called them to ask to reverse the {$25.00} late fee and it was declined. When I asked what caused auto payment to be delayed, they could not explain why?
Product: Debt collection

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 
COMPANY : Is in violation of 1681i 5B XXXX XXXX XXXX XXXX : XX/XX/XXXX Account Number : XXXX Amount : XXXX, XXXX Fraudulent inquiries : XXXX. XXXX XXXX ( BANK ) XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX ( BANK ) XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with Equifax regarding errors that appear on my consumer report. I have sent letters of dispute and the items have remained. Equifax has claimed that some of the information was verified but failed to disclose how that information was verified despite the fact that my letter specifically asks for that information. The way Equifax does business is unfair to me specifically and people like me generally. It has caused me great distress and financial harm. I have suffered so much with Equifax ( the  data breach, reporting inaccurate information etc ).
Product: Credit reporting or other personal consumer reports

I extend my gratitude for your efforts in addressing some of the fraudulent entries on my credit reports resulting from an alleged identity theft. I appreciate the time and attention you have dedicated to this matter. However, there remain unresolved items that require immediate attention and removal. I kindly request Equifax Credit Bureau to address the following outstanding items, previously unattended in my prior complaints. For your reference, I have listed the relevant details below. Additionally, I've included my FTC Report # XXXX for your comprehensive understanding : -- -- -- -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX , NV XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- EQUIFAX -- XXXX -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX -- XXXX XXXX XXXX -- -- -- -- -- -- -- -- XXXX -- -- -- XXXX -- -- -- -- -- -- -- -- XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$37000.00} XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. This formal complaint serves as notice that the failure to eliminate these specified items from my credit report may lead to legal action. I have informed my legal representative of my intentions, and they are prepared to address any willful noncompliance.
Product: Debt collection

Conserve collection agency is wrongfully reporting a collection on my credit report and it is affecting my credit score drastically.

I received NO written letters via mail or email about the pursuant of this debt and I do not believe this debt belongs to me at all. While I do recognize the original creditor I have no recollection of having received any loans from them.

ConServe collection agency has never contacted me to inform me of this debt, so I was not aware of it until it showed up on my credit report also, with no notification.

A debt validation letter was sent, requesting verification of the debt, including information about the original creditor, to which no response has been given.

ConServe has violated many laws of the Fair Credit Reporting Act including ; 15 USC 1692f Sec. 807 ( 11 ) - states that I have the right to be informed of an attempted debt collection.

15USC 1692H- Sec . 809 " Validation of Debt '' states that a collector must be able to validate the debt by providing information about the original creditor.

Sec. 809 also states that a collector must report that the account is in dispute upon receival of a debt validation letter. 

None of which has been done.
Product: Money transfer, virtual currency, or money service

Paypal closed my account without a clear reason. I have been trying to contact them but to no avail. I think they made a mistake but they are no longer trying to help me. I've been using Paypal for years now and it's affecting me because I can no longer access my account where I get my payments. 
I found out that I can file a complaint here and seek for your help. 
My email linked to Paypal is " XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was breached on Equifax. 

Why is Equifax charging me {$10.00} to place a credit freeze on my account? They should make it free and also compensate me for the charges for credit freeze fees I have to pay to XXXX and XXXX. 

If not, Equifax stands to make > 1 billion dollars on their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that you are illegally reporting in accurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE OF {$180.00XXXX XXXX XXXX ( COLLECTION ACCOUNT ) DATE ( XXXX XXXX ) XXXX XXXX BALANCE {$3300.00} DATE ( XXXX XXXX ) XXXX XXXX XXXX XXXX BALANCE {$7600.00} DATE ( XXXX XXXX ) This is violation of the FCRA and is also in violation of requisite METRO 2 Complaint Reporting Agency standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA METRO 2 COM : LAINCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliance and verifiable. I demand that these above-mentioned derogatory items BE REMOVED.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without
my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XXXX XXXX transfer {$250.00} from Wells Fargo to XXXX  XXXX XXXX XXXX Fraudulent end user did not provide product. Realized it was a scam and contacted Wells Fargo within the hour. No response from scammer regarding goods. Wells Fargo not backing fee even though we have been clients for 20 years with excellent credit.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested my Chex Systems consumer report because I keep being denied for bank cards at XXXX due to a past deliquent checking account in 2020. Chex states they report information from the past XXXX  years states No information found. I dont know how that is possible if I have multiple bank cards, credit cards, etc. I need them to provide me accurate/updated information. I called in and the agent also stated there is no info and no freeze. 

Consumer ID XXXX Agent name : XXXX, customer Phone call time XXXX EST
Product: Mortgage

This relates to CFPB Complaint XXXX and Specialized Loan Servicing falsely claiming that they are waiting on XXXX XXXX XXXX XXXX XXXX XXXX ) to remit the {$1500.00} payment that I am owed from the cancelled upfront PMI policy. I called XXXX today, XX/XX/2023 at XXXX XXXX XXXX and spoke with XXXX XXXX who told me that the refund payment was already issued and that SLS should have already received the payment. SLS stated as recently as XX/XX/2023 through a phone call from their executive office that they had not received the payment from XXXX and that SLS has no estimate whatsoever of when I should receive the payment. SLS has been deflecting blame onto XXXX, which XXXX has asserted is unwarranted. I think it is very plausible that SLS already has this payment but is too negligent to actually remit this to the borrower. 
In addition SLS charged me a {$100.00} fee for the XXXX, which I paid on XX/XX/2023, but their system keeps showing that payment as unallocated and past due. I have contacted SLS through their portal asking them to properly apply the payment to the amount due, and they have yet to do so. 
At this point I have had to file countless CFPB complaints to get SLS to do their job. They need to actually take ownership over issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ran my credit report early XXXX XXXX Note a negative collection action placed on my report as of XXXX XXXX - {$680.00} XXXX XXXX XXXX XXXX o Collection was dated as active in XXXX, for services in MD in XXXX o I left MD in XXXX to move out of state Agency acknowledged they had received my letter and would send me letter Reached out to original creditor - XXXX XXXX, informed of {$570.00} debt and that theyd sent itemized bill to agency o Never contacted by collection agency, nor notification that collection would be placed on my credit report Sent let of dispute to agency letter requesting verification of letter of original debt XXXX/XXXX/XXXX, per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Called agency to request letter on XXXX/XXXX/XXXX Received itemized bill from original debtor XXXX/XXXX/XXXX and attempting to close out debt Have yet to receive any communication from agency regarding debt
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dear reviewer, I am writing to dispute late payments on my credit report that I noticed upon the review of my Consumer Credit Reports which resulted from identity theft. These discrepancies in question is regarding the payment history section of my XXXX  Account ( Account Name : XXXX XXXX Account Number # XXXX ). XXXX Credit Bureau reported missed payments multiple dates which are showed on the attached supporting documentation. I had never been late on my XXXX credit card payments and the account which was registered in my parents address had XXXX balance. After further investigation, I discovered that these late payments were not made by me, but rather by an identity thief. I tried disputing this through XXXX, but they indicated that my account is close and could not assist or do anything for me. I was astonished by their response as they are responsible for helping current and past clients to resolve issues. My only option was to submit my claim through cfpb. 

I request that you please investigate and remove these inaccurate late payments from my credit report as soon as possible. I have attached relevant documentation, including a copy of the Credit Bureau Reporting that I am now paying $ 30 monthly to XXXX  in order to continue to protect myself from future identity theft. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate disputes and correct any inaccuracies promptly. I hope to get response within 30 days and hope that these charges can be removed from my credit report as I have NEVER ever been late on my XXXX payments. I sincerely hope that this request will result in favorable outcome to clear my name. Thank you, XXXX XXXX
Product: Debt collection

On or about XX/XX/18 diversified recovery bureau llc XXXX diversifieldrecoverybureaullc.com contacted my mother in law XXXX XXXX and attempted to get information about me. She informed me that the caller identified hersel as XXXX XXXX. I called them back and informed them that this practice is not acceptable and should not continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Trans Union and XXXX  on several occasions since 2015 regarding incorrect information not pertaining to me showing on my credit report. I contacted XXXX as well because the security questions don't pertain to me and I'm unable to access my credit report from them. It's extremely frustrating to be turned down for a job and to be denied an apartment due to incorrect information on my credit reports. I feel I am being discriminated due to being XXXX and not being an XXXX XXXX. My friend is XXXX and she contacted all 3 credit bureaus with concerns identical to mine and with in weeks all inaccurate info was removed from her reports. Please help me. My husband is XXXX recovering from a massive XXXX I'm trying to get my family ahead and unable to due to XXXX credit bureaus singling me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since IXXXX a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS which found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files listed below : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.