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

I sent a written documentation on XX/XX/2022 and have called several times prior to this written documentation. I sent a follow up formal notice on XX/XX/2022 after no response or acknowledgement. No one has followed up and today I am being told by representative that it will take 90 days at least to resolve the dispute and it is frozen. I have advised them that their inaccuracies and billing error is causing significant delays in my ability to use my credit effectively and they are advising that there is nothing that they can do. 

No one has been able to provide suffice documentation or verbal assistance and I have waited over 60 days to get this resolved.
Product: Debt collection

In XXXX the first letter received from North American Credit Services stated the an amount of {$2400.00} was owed, I replied asking for validation of debt showing that I am the responsible party, and yet I've not received a response back. However they sent out another letter in XXXX stating the same thing, instead any type of response that I've requested. Both have account # XXXX Now as of XXXX there's another letter stating an amount of {$2200.00} is owed with account # XXXX. 
For each of the letters received I timely responded back via notarized/certified letter for each reply. Again from XXXX, XXXX, and now XXXX THERE'S been NO response back! 
I've never entered any type of contractual agreement, arrangement, or acknowledgement with or through North American Credit Services.
Product: Student loan

On XX/XX/year>, I applied for IDR SAVE plan to reduce my monthly loan from ~ {$1000.00} to ~ {$500.00}. Aidvantage accepted my application and placed my loans on forbearance during which my loans accrued interest. The application for IDR is still being processed and my loan is still accruing interest. I read on Federal Student Aid that, if the application for IDR takes longer than 60 days, then my loan can be placed into a general forbearance in which my loan does not accumulate interest. Ive spoken with aidvantage multiple times and they continue to tell me my application for IDR is still not processed.
Product: Debt collection

I originally had service with XXXX XXXX  for my business. When the alarm broke in XX/XX/XXXX, they sent a sales guy out who signed me up for XXXX XXXX. Apparently the two companies were merging. XXXX continued charging for services they were no longer providing from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX began billing for services in XX/XX/XXXX. 

Since XXXX was already set-up from before, it continued to auto-pay against my credit card. I immediately called both XXXX and XXXX  XXXX on XX/XX/XXXX to point out the overlap and request a credit from XXXX - which I would then use to pay XXXX XXXX. The credit that XXXX agreed to was {$270.00}. 

I have been waiting since XX/XX/XXXX for this alleged check that they have issued to arrive. Since then I have called XXXX  and XXXX XXXX again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to update them of the situation. 

The entire time that I have been doing that, XXXX XXXX has reassured me that they were fine with the delay in payment and understood the situation. 

I have been receiving repeated calls since XX/XX/XXXX from a collection agency named Virtuoso Sourcing Group, XXXX. I finally found out that they were actually calling on behalf of XXXX XXXX. I explained to the gentleman on XX/XX/XXXX after they called twice in a row what the situation was and to stop calling me. He agreed. I have since gotten two more calls from them, this time from an agent named XXXX. When I explained the situation to her and that I was upset they were not stopping, she asked for written evidence of the situation. I agreed to email it to her but she refused to give me her email address and ended up hanging up on me. When I called the number back to talk to a supervisor and sort this out, the recording said that I was calling during business hours. It is unfair and shady that they can call me but I can't call them back after they hang up on me, or that I was unable to send written evidence of the situation when she refused to provide her contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 2. The inquiry was not authorized XXXX, XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The following status is Incorrect and unverifiable XXXX Account Number : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 6XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 9. The followng information is incorect XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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: Debt collection

Allen & Associates based in XXXX XXXX XXXX XXXX, NY XXXX is a scamming fake debt collection company! They create Non existent debt and call to harass even though they have received a letter from me to stop their illegal sneaky tactics! They also will not take any letters you sent them and will refuse them back to the XXXX XXXX  so they can claim later that they never received anything from the alleged debtor! I sent them a tracked letter and a Fax and yet they still are trying to call me to harass me, even though they are not supposed to especially since I have told them not to and since this is the law! Also they are violating my right since I am on the DO NOT CALL LIST! This company is running an illegal debt collecting scam and must be stopped and prosecuted immediately!
Product: Mortgage

On XX/XX/XXXX I was sent a guaranteed Preapproval Letter from Amerisave In The Amount of {$100000.00}. On A Taped Call I Authorized XXXX XXXX the loan officer to Only charge my credit card a One time Credit report fee of {$18.00} One Day later Not Only Did My Preapproval drop to {$80000.00} XXXX XXXX had charged my credit card {$500.00} For NO known Reason. The only charge I authorized was {$18.00}. After filing with the XXXX XXXX XXXX I received a call from Amerisave sales manager XXXX XXXX. While On A Taped Line XXXX XXXX Could only confirm I was charged {$18.00} for my credit report. After going over my Preapproval docs the only charge that was stated before Closing was a Fee of {$29.00} for The very same credit report. XXXX XXXX Could NOT TELL ME WHY THEIR WAS A DISCRETION. I am in contact with my attorney as well as Legal for theft of service and fraud charges for the fee of {$500.00} as as damages
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided documentation to these company 's back in XX/XX/2023 advising that this information is in correct nor do I know how they were reported on my credit file. I ask the bureaus to remove them within a timely manner of 30 days. Nothing has taken place and we are over the 30 day time frame
Product: Credit reporting or other personal consumer reports

I checked my credit report and realized I had accounts that I did authorize. Please remove all fraudulent accounts immediately. According to the 15 U.S.C 1681 law there should not be any damages on my credit report. It is a defamation to my character.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 in 60 days 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. 


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

From XXXX XXXX to present, all 3 major credit bureaus reported an extended late payment history on my account ( s ) by the creditor/student loan provider, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The creditor also appears as " XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' on other reports. 

After receiving official documentation from XXXX XXXX stating that my account was inaccurately reported as late and that the account is now closed after being paid in full they still remain as active negative items on all three of my credit reports. 

Numerous letters, disputes, and phone calls have been made to the three major credit bureaus regarding this matter and yet none have helped remedy the issue.
Product: Debt collection

On XX/XX/2020 I received 2 letters from XXXX  XXXX  XXXX  asking me for money to pay a debt I do not own. They said that the creditor is XXXX XXXX XXXX. I'm very worry because they have my personal information. And all my debts are payed. They said that the balances are {$2.00}, XXXX and {$6.00}, XXXX. I tried to call them but never answered.
Product: Debt collection

After obtaining a credit report I notice a few debts that are not mines and needs to be removed off my credit files. 
Debt Agencies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Debt amount : {$1600.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Debt amount : {$230.00} {$210.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Mo XXXX Debt amount : {$230.00} I never received information in the mail on these debts reported.
Product: Checking or savings account

I submitted to them a claim a dispute the stating that my account had unauthorized use while I was incarcerated. I had possession of my card at all times never gave up the card information, no other authorized users and was not able to make any transactions as I was incarcerated I was asked for proof of incarceration I provided that and also a police reporter was provided they then said i would be contacted. I was told that i can't file a dispute until the account was reopened. I didn't get to spend my money that was in my account they will not resolve the issue. They will not reopen the account or allow me to access it and rectify the situation.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX  credit card that was opened I dealt with fraud activity on my name couple years ago and other companys removed it for me but its still showing on my Equifax account so I called them about it and they still wouldnt remove it when its not mine it was open on XX/XX/year> with a balance of {$800.00} due. Please have them remove, this is none of my knowledge and fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

A promotional credit card to finance a XXXX bicycle interest free was obtained by Comenity Bank after I paid the balance in full ( see attachments ). The card was transformed into Comenity MasterCard which I had no knowledge of due to the notice emails being classified as spam. Fraudulent purchases were made on the account for months without my knowledge. The account became delinquent from these fraudulent purchases. I attempted 5 phone calls and an email contact with Comenitys fraud department. Four of the calls were disconnected after a few rings and the fifth was disconnected after being on hold for 45 minutes when transferred from their collections department. I have explained the situation multiple times without resolution. My credit score has been negatively effected by this mistake and continued negligence on behalf of Comenity establishing an account I never consented to. Please help me resolve this issue, I have filed disputes with XXXX ( attached ) regarding my credit report and also filed a complaint with the XXXX XXXX XXXX. In the ten years my report covers, I have never had a late payment prior to this issue.
Product: Debt collection

Hello I have a collection debt on my credit report from  XXXX  internet and phone provider in the amount of  XXXX  different balances owing. First  XXXX  owing is reported in  XX/XX/XXXX  by Stellar Recovery in the amount of {$91.00}. Another reported by Stellar Recovery in  XX/XX/XXXX  in the amount of {$150.00}. I have contacted  XXXX   (  which I am currently receiving services from today ) about this balance owing and they cant seem to give me proper information on the debt owed, due to the computer filing system they have previously used for billing is no longer used.  XXXX  stated my account I owe is in an archived system and have not provide me with the dates or past payments on the account they claim I owe money to them. I had moved from  XXXX  different addresses, and they claim I owe money from an older address, they have created new billing accounts for them. I have asked for explanation and payment history and they can not provide to me and send me to archived accounts department who can not give me prof either just a paper bill with a balance from an old account. If the system is so outdated and archived this is an old account and keeps getting re-newed or updated to a newer debt on my credit report. I would like this to be resolved and removed from my credit.
Product: Consumer Loan

XXXX XXXX claimed he worked for BB & T said I was approve for the Obama Government loan of 2.25 % interest on my Home But had to send XXXX to be able to get this rate by XX/XX/XXXX and then he would send me all of the paper work also talked to a XXXX XXXX which he claim he was a Manger for BB & T to let me know I was Approved .So I sent the money now I find out that was not true so I am out XXXX the phone number is XXXX I have the recipient for it. I found out it was not true now I want my refund they said they would give me
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CREDIT ( CLOSED ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( CLOSED ) XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( CLOSED ) XXXX XXXX ( CLOSED ) XXXXXXXX XXXX  ( CLOSED ) XXXX XXXX XXXX XXXX CREDIT BUREAU OPERATION ( CLOSED XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX has violated my rights. 

I viewed my Innovis report on XX/XX/year> and noticed that some things are inaccurate and incomplete. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I had my son 's XXXX XXXX XXXX towed to XXXX in XXXX, CA to have the transmission replaced. It was no longer covered under Manufacturers warranty. XXXX asked if we wanted a used transmission or a brand new one that would come from the manufacturer & gave us a quote for each. We decided to pay the extra money for a new one that also came with a 5-year warranty. The new transmission cost us {$2900.00} + labor, etc. We also had the brakes fixed, oil change & tires and the total bill came to {$5400.00}. To cover the total amount, we paid {$1800.00} with a debit card, {$2200.00} in cash & {$1400.00} with my son 's XXXX Credit Card. 
XX/XX/XXXX my son was on a road trip and the transmission in the XXXX went out again when he was 26 miles from XXXX. The warranty would cover the replacement of the transmission this time, but my son had to take an XXXX to XXXX that cost {$89.00}, the XXXX had to be towed to XXXX, costing {$180.00} & I had to take a day off work, rent a car to go pick up my son, rental car cost {$240.00}. Total of {$510.00} that we paid. 
When we got back to XXXX, XXXX originally refused to provide us with a rental during the time our vehicle was in for repairs so my son did not have a vehicle to get to work. After a month + we got the vehicle back. 
We originally paid {$2900.00} for the new transmission ( + labor ) & a 5 year warranty. XXXX replaced it with a Pre-owned transmission cost of {$1400.00} & only a 1-year warranty. I had to request the paperwork several times before XXXX finally sent it to me. Keep in mind, this all started in the midst of the Pandemic along with other factors so the XXXX Credit Card we used to pay {$1400.00} for the original transmission went un-paid. The total amount delinquent on the XXXX account is {$1400.00} + {$430.00} in late and finance charges, totaling {$1800.00}. 
I am requesting this delinquent balance be brought to zero & reported as paid in full due to the fact that we did not receive the same quality of product that we purchased as a replacement and we also lost 4 years of warranty because of this. 
I have sent a letter asking them to forgive this amount but they refuse. I also have never been reimbursed for the amount of {$510.00} that I had to pay out of pocket.
Product: Credit card or prepaid card

This is for the American Express Platinum card. One of the benefits advertised is that you get a {$50.00} credit every 6 months for XXXX XXXX XXXX it has to be used by XX/XX/XXXX and the second by XX/XX/XXXX of the calendar year. I purchase something for {$64.00} on XX/XX/XXXX. On my statement it shows XX/XX/XXXX. On their app it shows as XX/XX/XXXX. I did not receive my credit. 

I chatted with customer service and they said that despite it showing XX/XX/XXXX on my end, on their end it shows as XX/XX/XXXX and therefor I dont get my credit. I said thats not what their advertising says. It says purchase made XXXX of the calendar year and it shows XX/XX/XXXX on my end. 

The rep said it didnt matter what I saw on my end. Their systems post differently and thats what it goes as. In some travel credit card forums, this has been coming up a lot. People who made year end purchases to get their credits/sign up bonuses/etc are being told they arent getting it because its posting in their systems are showing after the date they did the transaction and coincidentally on a date to which they lose out on some kind of reward, credit or bonus.
Product: Debt collection

I have an Hospital bill through XXXX that I have been paying {$20.00} per month since XX/XX/XXXX. Bull City Financial Solutions call my parents house harassing them for me to call them, when payments have been submitted to the collection agency each month. In addition, to that Bull City Financial solutions was placed unto my credit report, knowing it would harm my score. It s sad how collection agency are not reprimanded for its behavior. I respect only good customer service behavior.
Product: Credit reporting or other personal consumer reports

I opened this account in about XXXX of XXXX  the original credit limit was XXXX I closed the account in XX/XX/year> I never used this account. However its showing closed on my credit report with a limit of XXXX  . When the credit limit was XXXX $ I want this removed from my report it is inaccurate!