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

I have a credit card from barclay which I used to purchase my XXXX XXXX. It was interest free for a year and I made all of my monthly payments. When the interest hit the card it was over {$300.00} which pushed my card over the limit. I have been making all of my monthly payments. None of my payments missed. I called this morning to get a new card because I realized my card had expired. I was informed my card was cancelled because it had a high balance and because of other accounts I have opennwith other creditors. Along with that I was also informed the card company checked my credit periodically reviewing accounts that had nothing to do with Barclay. .As I stated to the manager I was in the process of paying my account down today since I will be going on travel and will need to use the card. The was told I have to re-apply. I do not wish to reapply because it creates a hard credit inquiry. I wished for them to re-open my account. I was then told they can do as they wish with any of the customers they choose, that a letter was sent to me stating they were cancelling my account once the card expires ( a letter I never received ). In my defense I stated it seems unfair to cancel someone card because it has a high balance, with no missed payments. Once I stated this practice seem to be deceptive and an unfair debt collection practice the manager no longer wished to speak with me. I asked for a number to corporate and was informed I could not be provide with that information. I could be given a mailing address to send a letter.
Product: Checking or savings account

I have called before and tried to talk to Chase that there was an issue with linking the accounts to avoid their monthly service fees. They state they have been unable to help and do not understand why one account is link and not the other. In the statements where I am the primary my monthly statement shows the other owners, which are my parents, their average balances. I am able to see the average balances they keep on accounts I am not on. I did mention it in a branch when I was in Indiana but there has been no solution. The bank creates options and wants people to use self-help, technology to avoid going to the branches and then the person on the phone just states they I need to go into a branch to get either fees reverse or an account closed down.
Product: Student loan

On or around XX/XX/2022 I requested all payments made during the COVID payment pause be refunded to me, through the online portal. It is currently XX/XX/2022. I called Aidvantage for an update on the status of my account, and the customer service representatives have horrible call quality and communication about my account was impossible.
Product: Credit reporting or other personal consumer reports

House property XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX ISSUES : XXXX. I am on the DEED, but my soon to be XXXX husband XXXX XXXX is the ONLY XXXX on the mortgage ( XXXX XXXX ). I have been paying the mortgage every month in full for XXXX year, but my payments just make my husband 's credit score better. XXXX XXXX needs to CONTACT XXXX, Transunion and XXXX and TELL THEM I AM PAYING THE MORTAGE SO MY XXXX XXXX GETS BETTER AND NOT HIS. THEY THEN NEED TO TELL XXXX, Transunion and XXXX that XXXX XXXX is NOT paying the mortgage so they can remove all kudos to him. XXXX BANK can produce to you the CHECKS from MY ONLY bank account ending in XXXX XXXX XXXX 

XXXX. XXXX XXXX  NEEDS TO TRANSFER THE MORTGAGE TO ME at the same percentage rate becuase I have been paying it anyway.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2014. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

My account with the following company 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 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.

This company 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

These loans were paid in full in 2019. I have emails from XXXX XXXX that show my balance as {$0.00} for each loan. When I disputed their reporting that my accounts were still open and that I still owed a balance, I provided the said emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted M & T Bank in XX/XX/XXXX regarding my credit reporting error. My mortgage loan started with M & T Bank in XX/XX/XXXX. In XX/XX/XXXXI filed bankruptcy. MTB bank has erased my payment history prior to the bankruptcy filing which is illegal. There response does not address the history they changed prior to my XX/XX/XXXXfillings. 

They are saying that my lawyers did not file a reinstatement. Please keep in mind my payments are current and they are no longer reporting this year. After consulting with my lawyer I filed a chapter XXXX and did not discharged, as i removed myself from chapter XXXX. Therefore M & T bank should 1. add my prior payment history back prior to XX/XX/XXXXbankruptcy 2. add my current payment history back
Product: Student loan

I have been trying to work with Naivent to help lower my payments. They have given me few no options as to which to lower my payment. When I submit for lowering my payments they take into account my gross pay, not my net pay and they also do not consider any other expenses a month. This in turn allows them to charge an extraordinary amount of money to repay my loans. I have been trying for several years with no resolution. I have been reported to my credit agencies as late but have not defaulted. I fear if there is no positive resolution I might default on my loans. I have no problem paying but it needs to be fair to me. If you have a car loan for 6 years for {$70000.00} you are still paying less than for a student loan for 30 years at the same cost. Makes no sense.
Product: Mortgage

I was having financial difficulty with my mortgage and fell behind with 4 monthly payment.and apply for a mortgage modification.and was successfully approve with a new loan.and with no avail did not receive no truth in lending paper .and did not know what they was charging me for. Iook at my statement and notice they differXXXX and took a good portion of my equity
Product: Student loan

I applied for a private student loan recommended by XXXX University in order to attend their cyber security program. Edaid asked me to upload a picture of myself and 2 social media accounts which I did. I met the income requirements because I am a XXXX  whom makes XXXX $ a year at the time of the application and was only required to pay XXXX $ a month. Next the lender used my lowest credit score and based it off of old accounts from over 3-5 years ago which have all been closed or paid off. Furthermore when I checked my vintage score with XXXX  it was a XXXX, when I did the application it was a XXXX. They based their decision off of my XXXX  score but then I received an email which says its based of my XXXX  score. So I am getting mixed messages and feel as if I was denied the loan because of the XXXX of my skin because I qualified for the loan for XXXX . This caused me to not enroll in the program with XXXX University though I received a 90 % on my entry exam. My email is XXXX and XXXX. My phone number is XXXX. 
I emailed you earlier and you began an investigation but i lost my old information ( XXXX )
Product: Checking or savings account

Received a new debit/ATM card from Citi for a checking account that I did not request. I contacted them and they closed the account, and started a fraud investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED TO OPEN FRAUDULENT CREDIT CARDS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the  law.
Product: Debt collection

DEBT : SEQUIUM ASSET SOLUTIONS, Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Validation of Debt Request & Accuracy I am writing this letter to formally request validation of the alleged debt associated with the above-mentioned account, as allowed by the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g . Pursuant to this law, I am exercising my rights to ensure the accuracy and legitimacy of the debt being pursued by your agency. 

I am requesting the following information to be provided to me : 1. The original creditor 's name and contact information.

2. Detailed information about the alleged debt, including the amount owed, the nature of the debt, and the date the debt was incurred.

3. Documentation providing evidence of your agency 's authorization to collect this debt.

4. Verification that the statute of limitations has not expired on this debt in accordance with applicable state laws.

5. Copies of any agreements or contracts related to the alleged debt.

6. Proof of your agency 's compliance with all relevant state and federal laws, including licensure to operate as a debt collection agency in my state. 
7. A statement confirming that negative reporting to credit bureaus will be ceased if the debt is found to be inaccurately reported.

Furthermore, I would like to remind you of your obligation under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i. If the debt in question is reported to any credit reporting agency, you are required to investigate and verify the accuracy of the debt upon my request. Inaccurate or unverified information must be promptly removed or corrected. 

Please provide the requested information and documentation within 30 days from the date of receipt of this letter. Failure to respond or provide the requested information within the specified timeframe will be considered a violation of the FDCPA and FCRA. 

Please note that all communications regarding this matter should be in writing and sent to the address listed above. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spend hours on the phone with equifax attempting to get my credit temporarily unfrozen. I have the information with PIN number, ss etc. They told me my file is incomplete, so I submitted every bit of information they asked for via fax. Yet they still report they are missing information, and when I call they can tell me nothing else. This is ridiculous, they have all the information needed. The other 3 credit bureaus took 2 minutes to lift a freeze, as directed.
Product: Student loan

I am by no means trying to get out of paying my loan, I borrowed money, I want to pay it. I have called multiple times within the past two years trying to set up a lower repayment plan. I was told that I was as low as I could go. They told me forbearance was the only way in which to proceed. I wanted to pay {$18.00} less a month and they said no. Is n't paying money better than not paying any money. Additionally, why do you not taking into cost of living when considering the repayment plan. I have gain a lot of interest when I would n't have if they were willing to work with me.
Product: Credit reporting or other personal consumer reports

At XXXX, XX/XX/year>. On a recorded line directed to ( XXXX ) XXXXXXXX XXXX XXXX XXXX I personally made a phone call after providing my name and the account numbers being shown on my credit report. asked for the purchase agreement and accuracy of this account due to not having any knowledge of this prior to the credit report. The representative claimed they have no purchase agreement
Product: Debt collection

I have received three calls from this company. I do not owe any past due debt to anyone. I will not return these calls. It is a scam and they must cease and desist. 

If anyone feels I owe them, it must be submitted in writing and sent to my mailing address. I have lived at the same address for the past 5 years. Any legitimate claims can be made by USPS First Class Mail. 

Company name : Bryant & Hodges Caller 's name : " XXXX '' Caller 's  phone number : ( XXXX ) XXXX Called : XX/XX/19 @ XXXX XX/XX/19 @ XXXX XX/XX/19 @ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit was pulled without my consent.
Product: Credit card

Today, XX/XX/year> I received a letter in the mail stating that the APR on my card would be increasing to 34.24 %. I have had this card for around 30 years and my credit rating is around XXXX. I have almost never made late payments, none is the past 5 years. I called to request a lower rate and I was told that everyone paid the same rate and it was not negotiable at this time. I feel this rate is grossly unfair and has no basis for an increase.
Product: Checking or savings account

Someone had my debit card information and used it to set up a XXXX XXXX  wallet. They pretended to be Chase Bank calling about fraud in my card. 

Scammer then used XXXX XXXX  to purchase about {$140.00} in gift cards at a XXXX in XXXX, VA. 

Chase refuses to refund the money that this scammer stole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed alleged account from NAVY FEDERAL CREDIT UNION multiple times with XXXX  and XXXX. They ( XXXX  and XXXX  ) claim the information is " verified '' but can not provide indisputable, undeniable proof. I have asked for prima facie evidence on more than one occasion via jurat affidavit to XXXX XXXX d/b/a Navy Federal Credit Union, Chief Financial Officer dated XX/XX/2019 bearing USPS Certified Mail # XXXX and have not received the response from the previous notices dating back to XX/XX/XXXX that were sent to Navy Federal Member Service Department as well ( evidence can be furnished upon request ). Furthermore, the alleged creditor has been sent a CERTIFICATION OF NON-RESPONSE/NON-PERFORMANCE ( jurat ) dated XX/XX/2019 bearing USPS Certified Mail # XXXX evidencing the alleged Creditor AND Credit Reporting Agency 's inability to properly " verify '' the accuracy and completeness of the information they are furnishing/reporting which is infringing upon my consumer and inalienable rights and hurting my ability to obtain credit. Under FCRA 15. U.S.C. Sec. 1681, unverified accounts must be promptly deleted. They have been given over 30 days to provide verifiable proof and have failed to do so. I have demanded the erroneous information to be removed from my credit report and will seek damages in a competent court of jurisdiction in addition to filing a complaint with the Attorney General, Better Business Bureau, and IRS Financial Crimes Task Force in the event this issue is not resolved immediately.
Product: Debt collection

Oliphant Financial is listed on my credit report as a debt that is owed. I just spoke with XXXX at XXXX. XXXX refused to send me a debt validation letter. XXXX stated that I had to call another company and that she did not have the information available and would not provide that information to me. 
This company is trying to state that I owe them money yet they can not prove that I owe this debt. 
This occurred at XXXXXXXX XXXX central time on XX/XX/XXXX They are listing this debt as a collections account for another company. This may or could be a duplicate account as when I did call on XX/XX/XXXX at XXXXXXXX XXXX and spoke with XXXX he stated that is was a XXXX XXXX account and was being handled by XXXX and XXXX which is who XXXX stated that I needed to call. At XXXX when I spoke with XXXX at XXXX and XXXX at XXXX XXXX on XX/XX/XXXX they sent me to call XXXX and XXXX at XXXX which has already taken me to civil court in XXXX for the debt and it was forced into mediation due to the abritation clause in the original agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had made several attempts to write to Experian, XXXX, XXXX  also XXXX  XXXX XXXX. I have attached my police report and FTC report along side with my identity information. The creditors is still reporting the Fraudulent information on my credit. This information been on my credit report for the pass 6 months now. 

XXXX  XXXX XXXX Account # XXXX Bal {$5300.00} XXXX XXXX BAL {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I caught a XXXX  for a ride. I lost my cc with XXXX so i called an reported that i lost it. 2 hours later i got a call informing me that i left my cc and DL inside of the XXXX. Unfortunately, I had already reported it lost. A new card was issued to me 10 days later XX/XX/XXXX. Balance transferred to new card and account number. After fighting to explain this to Experian and XXXX  for over 2 years now, it appears that my disputes went uninvestigated. Resulting in a decision of meets FCRA requirements. 
This account was Open XX/XX/XXXX ; 4 months later, it was closed due to the lost cc. A new card was issued with a new account number ending in XXXX. I have 7 missed payments on the account ending in XXXX which is correct. But the old/closed account is also reporting missed payments through XXXX but it was closed. I only have 1 acct with XXXX  and the bureaus should only be reporting on 1 account which is the open account ending in XXXX. This is causing duplicate missed payments on both account when i only missed payments on the new account ending in XXXX. This ongoing year problem has been causing a lot of financial stress when trying to obtain assistance during this pandemic. 

XXXX : Reporting the same account as opening in XX/XX/XXXX but have 8 missed payments on a closed account since XX/XX/XXXX and this account wasn't even open XX/XX/XXXX. This account was opened on XX/XX/XXXX. I am livid with this process and i am tired of disputing the same problem with these bureaus over and over and each one comes back meets FCRA requirements and i would like for you to explain to me how is this possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Equifax, XXXX and XXXX  in regards to incorrect items on my credit report. It has been well over the 30 days and I haven't received any investigation results. I have several items on my account the need to be removed due to inaccurate information. 
1. XXXX  - Late payment - never late 2. XXXX XXXX- Not my account 3. XXXX XXXX - Not my account 4. XXXX XXXX  account- Not my account 5. XXXX XXXX XXXX XXXX Never late 6. XXXX account - Not my account