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

1692g. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ( 2 ) the name of the creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

list of company`s i have mailed letters to and they failed to show any proof of a receipt that i gave any permission to 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 NOTICE ; IF A CONSUMER NOTIFIES A DEBT COLLECTER THAT THE CONSUMER REFUSES TO PAY A DEBT THE DEBT COLLECTOR MUST CEASE ALL COMMUNICATION I HAVE WRITTEN ALL OF LIST PROVIDED NO RESPONSE WITH 48 DAYS THAT IS A FORM OF WRITTEN CONSUMMER REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle a fraudulent, incorrect, and unverifiable account that is keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Ive noticed items on my credit report that I dont recognize, suggesting potential identity theft since I didnt authorize these accounts. I've addressed this previously, and I'm now requesting the swift removal of these accounts. Their presence is causing me significant stress and misrepresents my true credit history. If we can't resolve this, Im prepared to take legal action to protect my rights. These inaccuracies are a major obstacle to achieving important financial goals, such as buying a house and supporting my family. I hope we can address this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information via a publicly announced hack of over 140 million records, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$310.00} from XXXX XXXX XXXX opened XX/XX/XXXX after it was removed last year they re submitted it to the credit bureau. Also on XX/XX/XXXX a car lot ran over XXXX hard inquiries on me that I did not authorize. And the same go for the following dates XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These items have caused me hardship and pain in my life. My score has went down over XXXX points in the past year causing me to go from good credit to poor for something I did not do. Iv called the companies that have these on my record and they stated they don't have any record of me and I will have to contact the credit bureau but they haven't done anything at all to resolve the situation causing more hardship on there end.
Product: Student loan

DEPARTMENT OF EDUCATION/NAVIENT XXXX XXXX XXXX, creditor, Education Loan is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. DEPARTMENT OF EDUCATION/NAVIENT XXXX XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of Signature for Cause. I have written several letters to XXXX XXXX to resolve this matter.
Product: Credit reporting or other personal consumer reports

Request to Block Fraudulent Information Due to Identity Theft Under the FCRA I am writing to formally inform you that I have fallen victim to identity theft, resulting in the presence of inaccurate or fraudulent information on my credit report. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I request that this information be blocked from my credit file immediately. 

The FCRA requires credit reporting agencies to block information identified as resulting from identity theft within four business days of receiving the following : 1. A valid identity theft report ; 2. Identification of the fraudulent information on the credit report ; 3. A statement from the consumer confirming that this information does not pertain to any transaction they authorized.

I trust you will act swiftly in accordance with FCRA Section 605B to block this information from my credit report. Please provide written confirmation once this action has been completed. 

Thank you for your immediate attention to this matter.
Product: Student loan

I paid {$2600.00} on XX/XX/year>24 to pay off the balance of a loan I took out for graduate school. It is now 3 months later, and there is no record of the payment on my loan despite it having been removed from my checking account. I have tried time and time again to get in contact with Mohela 's customer service, calling almost every day, but I am unable to get in touch with a real person to get some answers. At first, I thought it would maybe just take a few weeks to process but it's been almost 90 days ... this is too much money to have up-in-the-air and completely unaccounted for by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When covid 19 started I contacted Chrysler about payment assistance due to covid. I explained my increased expenses due to covid and Im a state employee on furlough for a year. They told me I was approved for the program and not to pay my bill. This is what I did and they reported me late. My dad is a co-signer on my car and reported late on his impeccable credit report. His credit score dropped 20 points. 

I called Chrysler several times between XXXX - present asking them to fix this. I have even written a letter to the address they told me to send it to. 

I also open a credit report inquiry with XXXX. It came back with no change. 

This is not fair at all. I know the Chrysler system shows my calls, approval for the program Ect. This needs to be corrected on my credit report and my dads. 

I will continue to pursue this to the highest levels until resolved. All agencies that dont assist in the resolution will he named. If needed Ill bring this to the news media. 

Stop taking advantage of people during covid! 

If you publish this remove my personal information or youll have a lawsuit on your hands.
Product: Debt collection

I received a text to contact Pro Collect. I was thinking this is a scam but called them anyways in fall, XXXX. When trying to find out why I needed to contact them, they refused to tell me anything and ended up hanging up on me. Months later I discovered they added a claim to my credit report. When trying to contact them again in XXXX, XXXX to find out why they added a claim, they demanded I give them my social security. Upon refusal, they ended the call again. I do not know how to resolve this when they refuse to tell me what it is about.
Product: Credit reporting

I am a XXXX year ( XXXX ) mother of XXXX and my husband has XXXX and XXXX ... I 'm the only person working in my household. These negative credit reporting practice system is affecting my ability to find affordable housing or my family and this may lead to us being homeless. Please, help me resolve this issue. I have disputed negative items on my credit report with Experian at least 5 times in 2016. I believe the Experian Credit Reporting agency is in violation of my civil rights and prejudice against minorities, because no matter how many times I provide evidence I paid my debts they are unwilling to remove the old data from my credit report. They continue to report athat least XXXX accounts as collection or late payments. I resolved and paid many all these creditors. Also, I believe this credit company has illegally used and shared my financial bank statements ( I used to prove accounts paid. ) and sent information to XXXX Collections to aid them in continuing to report inaccurate information. This data was used against me with out my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened and closed date is reported incorrectly. This account is a charge off account which I did not receive a 1099C Form to discharge this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

Bank appears to have deliberately delayed processing a payment so as to put the account into default so that they could charge late fees and interest. I've gone back through account statements ( & checkbook ) and I have discovered a disturbing pattern. Most payments are processed on either the 2nd or 3rd day after the payment check is written, however, every third month ( i.e. quarterly ) payments are not processed until either the 6th or 7th day after the check is written. 

I normally make my payments early enough that I haven't been dinged for a late payment or interest charges until the payment that was due XX/XX/XXXX, check was written and mailed on XX/XX/XXXX, considering how efficient and consistent the USPS is, payment was delivered to the bank on XX/XX/XXXX, or at the very latest on the XX/XX/XXXX, however, the bank did not process the payment until XX/XX/XXXX. 

I sent a letter of complaint to FNB Omaha regarding the delayed posting and their response has a number of factual errors. First the response claims that they received my complaint on XX/XX/XXXX, the USPS certified mail receipt indicates that it was delivered on the XX/XX/XXXX. Second the response claims the payment was due on XX/XX/XXXX, the statement clearly shows that the due date was XX/XX/XXXX. 

If they are trying to cheat me by delaying processing payments, they are doing it to hundreds if not thousands of others. If I hadn't noticed that they delayed this one payment, I wouldn't have gone back through my records and established a consistent pattern of delayed payments. They are engaged in criminal activity and I can help you prove it. Documentation to support my allegations will be supplied on request.
Product: Credit reporting or other personal consumer reports

I disputed items inaccurate on my credit report. These debts that I disputed are not mine. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc. I argued that you need proof that someone owes a debt before you ruin their credit and their life by placing fraudulent debts/ accounts on their credit report. Their verification per them was name address, dob and statement showing charges. This is not proof of a debt owed the company said that they verified my name and address etc, so its considered valid. They explained that I could not dispute again with in two years unless I could provide some sort of additional information than what I already provided. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency to report this as valid debt.
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed personal information that doe snot belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor XXXX 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Debt collection

There was a bill sent to collections from XXXX XXXX. When I paid the bill with XXXX XXXX, there was {$1.00} remaining which XXXX XXXX said is wiped out by their service charge ( {$1.00} ) which is credited back to the account, this wiping out the balance of {$1.00}. Much to my surprise when I checked my credit report, Bonneville Collections is charging me {$9.00} of interest on the bill that was supposedly paid in full. After speaking with multiple XXXX XXXX employees, they said this should be the job of Bonneville to remove this from my credit report as I owe nothing. Ive been attempting to contact them for weeks now. XXXX XXXX has been so incredibly unhelpful, telling me that he refuses to contact XXXXXXXX XXXX on my behalf even though Ive paid my account. I do not know what else to do as every time I attempt to call them Im told if I give them my credit card number everything will be super fast.
Product: Credit reporting, credit repair services, or other personal consumer reports

my auto loan was paid in full with XXXX XXXX XXXX at the end of XX/XX/2019 and all 3 credit bureaus are showing it as open and a balance owed still. Why at the end of XX/XX/XXXX is it not showing on the 3 credit bureaus a " XXXX '' balance. This has affected my credit score as well as trying to obtain further credit. I have contacted XXXX and XXXX   to fix, and i was told that this matter would be handled within 72 hours and it is 5 days later and despite the holiday, this should have been taken care of.
Product: Checking or savings account

I have been a customer and loyal user of Simple bank for many years. Simple was a " neobank '' which provided a unique, progressive approach to budgeting and bank account management, and has helped many customers, myself included, get out of debt. It was bought by BBVA USA several years ago, and XXXX transitioned to provide the FDIC-insured accounts for customers of Simple. 

A merger between XXXX and BBVA USA was announced last year, and news of this was communicated to customers of Simple. 

On XX/XX/XXXX, Simple communicated to its customers that, as part of this merger, the service was being shut down and that account-holders would transition to traditional XXXX accounts. On XX/XX/XXXX of this year, access to the Simple app, along with the various features that have helped many customers get out of debt, will be shut down. Account holders will be given traditional accounts with higher fees and an app with less features. 

Although I'm sure that these actions are not illegal, it feels like they should be. A ( virtual ) board room of bank executives should not be able to make a unilateral decision that affects hundreds of thousands if not millions of people and forces them to seek out other solutions which are not as technologically mature or functionally equivalent. The problem is not that we're being shut out of bank accounts. The problem is that we're being shut out of the technology that has helped us manage those accounts.
Product: Mortgage

While trying to extend my forbearance on my loan with Fifth Third Bank, which I have had a 12 month, and a 3 month extension for a total of 15 months, I was told that there were no extensions beyond the 15 months. I have researched the CARES Act, and the allowance of 2 extensions, or a total of 18 months. Are they not aware of the laws put in place to support those affected by the COVID-19 pandemic?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : SYNCB/LOWES XX/XX/2023 To Whom It May Concern, I am writing to inform you that I am deeply concerned about an unauthorized inquiry that you made on my consumer report. As a responsible consumer, I believe that it is essential for companies to respect the privacy and security of their customers ' personal information. However, it has come to my attention that you obtained my credit bureau report without my permission or a permissible purpose, which is in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b. 

I have not initiated any transactions with your company, nor do I have an account with you for review or collection purposes. Therefore, there is no valid reason for you to access my credit report. Your actions amount to a violation of the FCRA, which is punishable by law, and I am prepared to take legal action if necessary. 

According to the FCRA, any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined, imprisoned, or both. Your actions not only violate my privacy rights but also put me at risk of identity theft. 

I demand that you remove the unauthorized inquiry from my credit report immediately. Moreover, I am willing to settle your civil liability damages for the violation of my privacy rights for {$1000.00} pursuant to FCRA 15 U.S.C. 1681n. If you fail to comply with my request and refuse to settle the matter by making payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receiving this notice, I will seek actual damages, which are greater than {$1000.00}. 

Please send payment immediately via certified funds to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX. I hope we can resolve this matter amicably without the need for legal action. 

Sincerely, XXXX XXXX XXXX