23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I just recently was switched from XXXX to FedLoan Servicing after qualifying for the Public Service Loan Forgiveness program. Since switching, I have had nothing but confusion, anger, and frustration with FedLoan. The customer service is poor to nonexistent. I have submitted tickets through email at least 4 times in the past week, and none of them have been answered. The links on their website are broken. After I paid a past-due amount ( late due to confusion on when my payment was due, how to pay, and questions of the like that were submitted WELL before my due date ), I am still in delinquency days after paying. This is affecting my credit score, my bank accounts, my life! I suggest that the Consumer Finance Bureau follow this link : XXXX a testament to the MANY of people who are continually being ignored and, quite frankly, XXXX by FedLoan. At this point, I feel like taking legal action because of how difficult this has been, and it has been under two months since I have been with them. I can not imagine another ten years of this! At this point, I wish I had n't ever applied for PSLF and had stuck with XXXX. Avoiding FedLoan Servicing may have been worth the extra thousands I may have saved if I had never qualified for PSLF, which is so unfortunate. Redo the website. Process payments faster. Get better and more customer service. Lay out clearly when payment are due, penalties, defaults, etc. so that people understand their loan repayment. PARTNER WITH XXXX, WHO MAKES THIS ALREADY XXXX PROCESS QUICK AND EASY! Down with this horrible, scheming, behind-on-the-times company!
Product: Credit reporting or other personal consumer reports

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

My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According with the FAIR CREDIT REPORTING ACT XXXX XXXX FORMERLY XXXX XXXX XXXX, has violated my rights 15 U.S.C 166b A Creditor May not treat a payment on a credit card acount under an open end consumer credit plan as late for any reason.!!!!!!!!
Product: Debt collection

There was a debt placed on my social security number for a money I dont owe. I moved to the United States on XX/XX/XXXX. The debt is from XXXX. The company never called me or provided explanation of why this amount of money was put on my social security number. The debt collector company goes under MBA law firm on Texas.
Product: Debt collection

Vance and Huffman llc I've requested information that I've done business with this company and have yet to received anything. I have never done business with Vance and Huffman llc and they should not be reported on my report
Product: Checking or savings account

I had two fraudulent charges go through my account. I received an alert and responded that I did not authorize the charges. After several calls to Fifth Third and being transferred numerous times to different representatives, I was told to wait until the charges went through to dispute them and that they may fall off. Instead of the charges being removed, I woke up today with XXXX in overdraft fees. I immediately put the funds to cover the fraudulent charges into the account, prior to the open of the business day, and filed a dispute for the charges ; yet after contacting Fifth Third again this morning and speaking to several account reps, the overdraft charge was not put back in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX/XXXX  XXXX Inaccurate XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Inaccurate XXXX  XXXX Inaccurate XXXX  XXXX  XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

ITS NOT MY ACCOUNT, NEVER APPLIED FOR IT. I NEVER SIGN ANY DOCUMENTS WITH THIS COMPANY.
Product: Prepaid card

I attempted to withdraw {$200.00} from atm at XXXX XXXX XXXX in XXXX on XX/XX/year>. No money was dispensed but account was debited {$200.00} total. 

I filed a dispute with Paypal Debit card on XX/XX/year> and it was abruptly closed on XX/XX/year> and they said that a credit was already provided which it never was. I still have not gotten my {$200.00}
Product: Student loan

I have {$30.00} of interest in my account that should not be on there. This is my third complaint and the company is not answering ny emails. I should not have any interest accrued on my account. I'm not talking about {$200.00} payment I just made. Before the courts blocked the XXXX Plan, I had $ 0 monthly payments due to my XXXX. Based on that I should not have any accumulated interest in my account. 

No where on my account does it show I have accumulates capitalized interest. And I should not have any. If you view the screenshot, I have attached. It says I have {$0.00} capitalized interest across the board.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of several violations of my rights under the Fair Credit Reporting Act ( FCRA ) and related statutes, and to request the immediate correction of these issues.

Violation of Privacy Rights ( 15 USC 1681 Section 602 ) : Under Section 602 of the FCRA, I am entitled to privacy and protection against unwarranted disclosures of my personal information. The reporting of erroneous information on my credit report constitutes a violation of my right to privacy.

Unauthorized Account Reporting ( 15 USC 1681 Section 604 ( a ) ( 2 ) ) : Section 604 ( a ) ( 2 ) of the FCRA specifies that a consumer reporting agency may not furnish a consumer report without the written instructions of the consumer. The inclusion of the following account on my credit report was done without my authorization : Creditors Name : [ Creditors Name ] Account Number : [ Account Number ] Prohibited Treatment of Payments ( 15 USC 1666B ) : Section 1666B of the Truth in Lending Act ( 15 USC 1601 et seq. ) stipulates that a creditor may not treat a payment on a credit account under an open-end plan as late if it was received within the creditors disclosed grace period. The reporting of a late payment on the following account is in violation of this provision : Carrington mortgage Given these violations, I request the following actions be taken immediately : 1. Remove the erroneous and unauthorized account information from my credit report.

2. Correct the reporting of any payments improperly marked as late.

3. Provide written confirmation that these corrections have been made.
Product: Debt collection

I hope this letter finds you well. I am writing to address an issue I have discovered on my credit report with your bureau. After reviewing my credit history, I noticed that there are late payments recorded on my account. I understand the importance of maintaining a positive credit history, and I am committed to rectifying any discrepancies that may exist. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I would like to highlight that I have been proactive in addressing the situation and have taken the necessary steps to ensure that my financial responsibilities are met promptly. In light of this, I kindly request your understanding and cooperation in removing the late payments from my credit report. 
Enclosed with this letter, please find supporting documentation that substantiates my efforts to rectify the situation. I believe that the removal of these late payments will significantly improve my credit score and contribute to a more accurate representation of my financial responsibility.

I understand that your bureau plays a crucial role in maintaining accurate credit information, and I appreciate your attention to this matter. I kindly request that you investigate this issue and, if possible, remove the late payments from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX and TransUnion credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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 XX/XX/XXXX ;
Product: Mortgage

I've tried over the course of the previous 3 months, at least 4 times to enroll in the budget drafting system at Amerihome Mortgage Company. I've easily enrolled in this program 3 times with other mortgage service providers. I believe, at this point, that they are intentionally making it difficult for us to enroll in a program that will help us reduce the term of payments for our loan. They continue to ask me for the same documentation over and over, which I provide. Then after they wait a period of time, they tell me the documentation I provided is now outdated.
Product: Credit card

I went to Walmart as I always do to get my weekly shopping done. I have a Walmart credit card through Synchrony Bank that I use all the time for this. I use this card and pay it off at the end of each month. The cashier informed me that the card does not work and is not good. This was very embarrassing, deplorable and shocking for me. Only then did I know that something was wrong and Synchrony had closed my account. After a lengthy conversation the Synchrony representative told me that a third party Debt Consolidation company had contact them and advised that I was in counseling with them and Synchrony had made an agreement with them to settle my debt. I was shocked! This is not right and Walmart/Synchrony explained they could do nothing more for me, that was also shocking. I have been an exemplary customer. I then explained that they clearly have the wrong person. They finally provided me the Debt company info that was on the other side of the United States called XXXX XXXX in California. XXXX XXXX stated they used their clients credit report to obtain the credit card number that they sent to Walmart/Synchrony Bank. I continued to be the middle person ( as the innocent person ) for the XXXX companies and they XXXX seemed to not know what to do. I since found out that the person has nothing in common with me XXXX other than the account number error ) and that this has been reported to my credit report as an adverse event. Negatively impacting my credit. SO to date, Walmart/Synchrony bank has been reporting my credit to this other persons credit report and my report, they closed my account on the word of a third party sharing information with that third party without contacting me and will not correct this serious mistake that has impacted me ( the innocent person XXXX negatively! Everyone admits that this was wrong and errors in security have taken place, but no one is willing to fix this or compensate me for this embarrassment. Now I live with this for 7 years? I need some assistance with this horrific error and violation of my credit security.
Product: Credit reporting

On XX/XX/XXXX, I received a letter from XXXX requesting removal from my tradeline. Equifax refuses to remove account from files. Letter enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent TransUnion a formal complaint about inaccurate and incomplete information on my credit report. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 6 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate accounts and under the FCRA, unverifiable accounts must be removed. Accounts to be verified or removed immediately. XXXX? XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Original CreditorXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX. On XX/XX/XXXX I sent a demand to comply letter letting them know their failure to respond in a timely manner. They have not complied with the law.
Product: Credit reporting or other personal consumer reports

HI I couldn't download / upload a copy of my credit report from TransUnion with the address on it for you to send my I didn't want to send something that was corrupt or that had too much information that wasn't relevant to My Open dispute but this is the address ... Should you wish to contact TransUnion, you may do so, Online : To report an inaccuracy, please visit : dispute.transunion.comopens in a new tab For answers to general questions, please visit : www.transunion.comopens in a new tab By Mail : TransUnion Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You may contact us Monday - Friday 8 AM - 11 PM Eastern Time and Saturday - Sunday 8 AM - 5 PM Eastern Time, except on major holidays. 

For all correspondence, please have your TransUnion file number available ( located at the top of this report ).
Product: Credit card or prepaid card

Hello- The issue is with my XXXX XXXX XXXX from Capital One. On XX/XX/XXXX they mailed me a request to verify my identity by faxing them my driver 's license and social security card. I made sure the request was valid and not fraudulent and I faxed them the requested information. I then called to verify that the fax was received on their end - even though I had the successful fax confirmation on my end. They assured me all was good. Then In XX/XX/XXXX I received the exact same letter - as a second notice - threatening that if I did not comply and send the requested information by XX/XX/XXXX that my account would be closed. I again called and confirmed that XXXX/Capital One did have the information from XX/XX/XXXX. At that time I requested email confirmation and I was refused. I again had to take their word for it that my account was in good standing. Then on XX/XX/XXXX I received my monthly statement in the mail. Though it made no reference to my account being closed - it showed no available credit when I knew I had available credit. I called and was kept on the phone for one hour and twenty minutes. I was told it would take up to seven days to send me a letter of resolution and reactivate my account. Yesterday, XX/XX/XXXX, was the 7th business day and my account still shows closed online and I have received NO correspondence by mail. Today, XX/XX/XXXX, I just called XXXX/Capital One again. The Case Manager I was told would be handling my account was not available, and apparently neither she nor her supervisor have voice mail. I was told I would receive a return call. I stressed that I do NOT want to speak with an Account Supervisor, as they tried several times to connect me with one. I said I needed to speak with Case Manager XXXX or her supervisor XXXX - as the Account Supervisor XXXX id # XXXX I spoke with on XX/XX/XXXX was rude, unhelpful, and obviously did not get completed what he said was going to be completed within seven days. I fear that XXXX/Capital One 's nearly THREE MONTHS of ineptitude has now damaged my credit score, by showing an account being involuntarily closed. I want a letter of apology from XXXX/Capital One sent to all major credit bureaus, explaining the error and the extreme length of time it has taken to correct the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion file . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to correct the problems with multiple disputes Concerning XXXX Bank in error reporting of {$8.00} refund made to me instead of me making it to them despite photocopies of refund check both sides made to me. This information should have never been reported to all three ( 3 ) major credit bureaus. Transunion allowed XXXX Bank to change {$110.00} refund made to me from XXXX Bank to a balance due of {$110.00} where I disputed to {$120.00} where It is currently being disputed as of XX/XX/2018. I did, as well, provide photocopies of {$110.00} both sides in multiple dispute. I have no reason anything would be much different from Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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: Debt collection

I have a complaint against Transworld Systems and XXXX. I am in receipt of a statement dated XX/XX/XXXX ( attached ) which indicates an account balance of {$5300.00}. I called the number for XXXX collections on the statement to make payment arrangements. There was no option in the automated call system to speak to a representative at XXXX. The system told me to call a different number which I did. At that point I was connected to Transworld systems. The representative told me they have had the account since XX/XX/XXXX. Further I was told the balance I owed was over {$6300.00} due to a 'collection fee '. 

-I received NO notification of transfer of my account from AAFES to a third party or of any punitive fees being assessed since XX/XX/XXXX -Payments have been made to AAFES through out XX/XX/XXXX -There is no disclosure or itemization of any fee on the statement ( see attached ) -This is a PREDATORY debt collection activity.
Product: Debt collection

Multiple calls it in one day, I 've told them to call me after XXXX because of work. XXXX will not work with me on making payments and have the debt removed from my credit report. XXXXsaid she only will have n't debt removed if I pay in full which I ca n't pay in full I would be more than happy to make payments only if they will remove my debt from my credit report once paid in full.