23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Bridgecrest stated that I need to make my payment of XXXX by XX/XX/31, which I did, or they would report my account delinquent. They still reported me 30 days late despite me making the payment as specified. I have a screenshot of it. When I contacted them regarding it, they said that the payment most POST to my account by XX/XX/31, whatever that means, which is why they reported me late. I made the payment on XX/XX/31. They took the funds out of my account on XXXX. I have proof of it and the screenshot I took saying that my payment needed to be made by XX/XX/31.
Product: Debt collection

I purchased a Vehicle back in XX/XX/XXXX. I have made consistent payments up until XXXX when my car was totaled. it was payed off via insurance and gap insurance around XX/XX/XXXX. The company Still has me owing a debt of XXXX which i dont believe i owe. I have made several attempts to contact them but they keep sending me to a resolution team that is unresponsive to my calls. I am a vet that is trying to purchase a house and this debt has been part of an issue that is keeping from that situation. Can some please assist in helping me remove this from my credit report? 

Thank you in advance for your help
Product: Checking or savings account

This complaint is in regards to : Transaction ID : XXXX, XXXX We DEMAND TO SEE THE EVIDENCE THAT MAKES THESE CHARGES VALID IMMEDIATELY ***Since this is a matter that may involve discrimination this complaint is to bring to your awareness and also as a contemporaneous record because we are unable to oppose this decision in the resolution dispute center of PayPal or file another dispute to demand the evidence that this charge is valid. We had to provide evidence of a charge we were disputing why shouldn't they? In addition, what court room do you go into besides maybe the local media and judge things without any evidence whatsoever? Isn't this called pre- judging which is where the word prejudice comes from?
Product: Debt collection

Today, a collection agency named IC System just reported a {$550.00} collection account on my credit report. According to the Fair Debt Collection Practices Act, they are supposed to notify me of a possible debt, and give me 30 days to answer to it, before they report it on my credit report. I was not given that opportunity, otherwise I would have certainly contested it, because I have no outstanding debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Lowe 's and purchased some kitchen appliances on XX/XX/XXXX ... totaling {$3000.00}. 
I set up automatic monthly payments with my bank, after a few months I started getting insufficient funds notifications and found that XXXX XXXX was trying to take more than the agreed upon payment, so I closed the auto pay and started paying with cashier 's checks. 
Then they started charging late fees and stating I owed more than what we agreed on. XX/XX/XXXX they said I missed a payment, which was not true, so I ended up making two payments in XXXX XXXX.Every month the payment was different so I started paying {$100.00} every month, XXXX and XX/XX/XXXX, they put two missed payments on my credit reports which lowered my credit scores tremendously. I did not realize this until I decided to refinance my home, to my dismay I was unable to do so. 
This month..XXXX XXXX, I sent them {$390.00} some dollars so they would stop reporting missed payment on my credit reports. 
I made copies of my receipts and sent them to all three bureaus to no avail. 
I also had a Care Credit card with XXXX XXXX for {$4500.00}, only to find the lowered it to {$2800.00} credit limit which also lowered my credit scores ... I have never missed a payment, nor ever been late, have also paid this card off previously. 
I've taken the time of almost ten years to work on my credit, I will not let this bank do this to my credit, I'm going to make sure they don't get away this, will do whatever I need to take care of this problem. 
Meanwhile I went online to look at XXXX XXXX XXXX customer reviews and I was shocked to find they have done the same thing to so many other people, there are more than 5,000 reviews having the same problem I'm having..How can something like this happen and nothing is done about it. 
I will not let this go. 
I have called Synchrony and tried to straighten this problem to no avail, tired of talking to them, they keep coming up with different things of I should say lies. 
I am a XXXX year old XXXX veteran and I should not have to put up with this, I pay all of my bills on time, never late, never missed a payment..this is the only black mark on my credit and I'm not going to let this go. 

Thank you
Product: Student loan

I received a call from BCO consulting services on XX/XX/2021 claiming that they are working with the department of education. They told me that I'm eligible for a forgiveness plan called revised pay as you earn ( REPAYE ), but I need to make 4 payments of {$240.00} each month for a total of {$990.00}, and after that, I will have to pay XXXX if my income stays below XXXX a year. So the remaining of my loan {$98000.00} will be forgiven for the time I'm making less than XXXX a year. They asked me to provide 2 recent pay stubs, and I will have to submit that yearly to be eligible. The contact person was XXXX XXXX, phone # XXXX ext XXXX, fax is XXXX, email is XXXX. Website : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They claimed that they are affiliated with the department of education and federal loan. However, when I contacted federal aid they told me that they are not affiliated with any third part and this is probably a fraud. So that's why I'm reporting this to the department of education as well. 

I want to make sure that they will not use my SSN, driver 's license number, or other personal information to take a loan on my behalf or do any fraudulent activity using my information. Also, if you can place a notation or a pop-up on my account so if any contact or documentation comes from this company to be considered fraudulent and please do not work with them on my behalf. Thank you so much, and please let me know if I need to do anything to protect my federal loans I will attach the document that they made me sign to be eligible for loan consolidation and revised pay as you earn program. It has the department of education logo or name on multiple pages.
Product: Checking or savings account

MONEY IS BEING TAKEN OUT OF MY ACCOUNT AND BANK DOESNT KNOW WHERE ITS GOING
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX of 2021 I pulled my credit report to get an update on my current standing. On the report showed 2 accounts that were unverifiable by myself. I proceeded to write to the lending institutions to request " DEBT VALIDATION '' specifically and not debt verification. I did not receive said validation in their response to me. I then went ahead and filed a dispute letter with all 3 credit bureaus about these accounts and stated in the letter that whatever conclusion they come to i would like written proof of their investigations and findings. All 3 credit bureaus sent me a letter saying the debt had been verified along with a copy of my credit report, but no proof of how it was verified. I have written them several more times since then and they have repeatedly have given me the same response regardless of the fact that i have been demanding proof of validation of said debts. I believe that all 3 bureaus ( Transunion, XXXX  XXXX XXXX ) are all in violation of FCRA statutes.
Product: Debt collection

I WAS RENTING APARTMENT AND I PAID FIRST AND LAST MONTH RENT DURING MOVE IN PROCESS AND WAS NOT BEHIND AT THE TIME I MOVED OUT WHICH WAS IN MAY 2015. NOTICED NEW COLLECTION ON MY REPORT IN THE AMOUNT OF XXXX DOLLARS IN OCT 2015 WITHOUT ANY NOTICE.I AM NOT RESPONSIBLE FOR THIS AS I WAS NOT LATE AND ALSO PAID FOR LAST MONTH. THE APARTMENTS WERE XXXX XXXX LOCATED ON XXXX XXXX XXXX XXXX GA XXXX.RENT WAS XXXX.COLLECTION AGENCY IS ADVANCED BUREAU OF COLLECTIONS.I HAVE NO CONTRACT WITH AGENCY BUT THEY Wo n't CHANGE THE AMOUNT TO CORRECT AMOUNT.
Product: Debt collection

Ive disputed this bill since I got the first bill and asked them several times to rebill with XXXX XXXX XXXXXXXX XXXX and then XXXX XXXX XXXX XXXX. I have disputed it since I established my XXXX XXXX in XXXX. I no longer get mail from this company but Ive disputed on XXXX XXXX every 2 months since XXXX I last disputed this account in XX/XX/XXXX.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX. Also 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Credit reporting

Equifax is falsely reporting XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX as included in a Chapter XXXX bankruptcy. This is FALSE. Equifax has been repeatedly informed that this information is FALSE and it is now jeopardizing a home mortgage application. This is creating a huge liability for Equifax that I should think they would want to resolve immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, and for what seems to be no discernable reason, there was a 59 point drop in my credit score. I inquired the company, and they could not explain the justification. When working with their representative, he even noted that there was no discernable reason for such a drastic drop. While refreshing the credit report, it dropped another 4 points, again based on no significant change in the reported information. The use of arbitrary factors, in which consumers have no visibility on in which to relay a significant credit risk to creditors that the consumer can not reasonable discern is punitive in nature and violates the expected transparency of the financial and credit industries. Experian continues to downgrade my score with no discernable causation within my credit history. A complaint was filed with Experian, complaint number XXXX. There has been no action on the complaint.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$770.00} XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a need to ensure that a consumer reporting agency excises their grave responsibilities with fairness, impartiality, and a respect for the consumer rights to privacy Pursuant to the fair credit reporting act 15 usc 1681 ( a ) ( 4 ), I am a federally protected consumer and I have the right to privacy not granting me my right is in direct violation of 15 usc 1681 and it subsections furthermore. My identity has been stolen, and this serves as your official notice. This constitutes aggravated identity theft under 18 u.s.c 1028A by furnishing a consumer report without my written permission, as stipulated by 15 usc 1681b, you have facilitated this fraud. Congress mandates fairness, impartiality, and respect for consumer privacy in the fair credit reporting act ( 15 usc 1681 ). Additionally, 15 U.S. code 1681c-2 requires the blocking of information resulting from identity theft upon request Specific violations Failure to provide validation information ( 12 cfr 1006.34 ( b ) ( 5 ) ) : the collection agency has not provided me with the written validation notice required by law. This notice details the debt, it creditor, and my rights to dispute it Denial of dispute opportunity ( 12 cfr 1006.34 ( c ) ( 4 ) ( I ) without receiving the validation notice, I havent been given the chance to dispute the accuracy of the debt. False, misleading, and deceptive practices ( 15 usc 1681-s 2 ( 7 ) ( a ) by placing a collection account on my credit report without my proper validation and dispute opportunity, the agency is using deceptive means to collect the debt. Unauthorized furnishing of information ( 12 cfr 1006.34 ( d ) & 15 usc 1681-s 2 ( 7 ) ( a ) the collection agency has no right to furnish this debt to credit reporting agencies without following the required legal disclosures
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of account below have violated my Federal Protected Consumer Rights, to privacy and confidentiality under. 15 USC 1681. Which is under the Fair Credit Reporting Act. 

( XXXX  ) ACCOUNT # : XXXX. / ( XXXX XXXX XXXX XXXX XXXX ) ACCOUNT # : XXXX. / ( XXXX XXXX ) ACCOUNT # : XXXX / ( XXXX XXXX XXXX XXXX  ) ACCOUNT # : XXXX. Has violated my rights. 

U.S. Code 1681 Section 602- ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy U.S. Code 1681 Section 604- ( a ) ( 2 ) it also states a consumer reporting agency can not furnish account with out my written instruction U.S. Code 1681 Section 605- ( b ) ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18 U.S. Code 1681c - ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code 1681s -2 ( 1 ) ( a ) Reporting information with actual knowledge of errors 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 or other personal consumer reports

I recently reviewed a copy of my Credit report and noticed i have a fraudulent accounts on my report, please remove these accounts, they are hurting my ability to obtain credit
Product: Debt collection

Dear Sir/Madam, I am writing to formally request the removal of an outdated XXXX collection account from my credit report. The collection account in question, related to a XXXX [ Account Number ], is over XXXX years old, and I believe it should no longer be reflected on my credit report due to federal and state consumer protection laws. 

As a consumer, I am entitled to certain protections under both federal and California state laws. I would like to outline the legal basis for my request : Federal Law : 1. Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681c ( a ) ( 4 ), credit reporting agencies are prohibited from including accounts placed for collection that are more than XXXXXXXX years from the date of the first delinquency. As this XXXX collection account is more than XXXX years old, it is approaching the seven-year limit, and I am requesting its removal in anticipation of this deadline. 
XXXX. Accuracy of Consumer Reports : According to 15 U.S. Code 1681e ( b ), credit bureaus must ensure the accuracy and completeness of the information they report. I believe this account, which is now outdated and potentially inaccurate, should no longer be reported as it negatively impacts my credit. 

XXXX Consumer Laws : XXXX. XXXX  Civil Code 1785.13 ( a ) : This section of the California Consumer Credit Reporting Agencies Act ( CCRAA ) also limits the reporting of collection accounts to XXXX years from the date of the first delinquency. While this account is over XXXX years old, I am requesting its removal in advance of this limit. 
XXXX. XXXX Statute of Limitations on Debt : Under California Code of Civil Procedure XXXX, the statute of limitations for collecting on most written contracts, including telecommunications debts, is XXXX years. Since this XXXX debt is now over XXXX years old, it is beyond the legal period for debt collection in California, making this information outdated and potentially inaccurate. 
XXXX. California Consumer Privacy Act ( CCPA ) : The CCPA gives California residents the right to request the deletion of personal information that is no longer necessary for business purposes. Given that this debt is over XXXX years old and past the statute of limitations for collection, I am exercising my right to request its deletion from my credit report. 

Thanks again for your attention to this matter In light of these protections, I am requesting the immediate removal of this XXXX collection account from my credit report. Please investigate this matter thoroughly and remove the account. Once corrected, can you please send me confirmation that the account has been removed so I can ensure that the update is reflected across all credit bureaus. Thanks!! 

If this matter is not resolved within the XXXX period provided by the FCRA for disputes, I will consider filing a complaint with the Consumer Financial Protection Bureau XXXX CFPB ), the XXXX Department of Consumer Affairs , or pursue legal action based on both federal and state consumer protection laws. 

Thank you for your prompt attention to this matter. 

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

Someone is also using my information to open bank accounts credit cards ect and pre-qualified WILL NOT STOP I have opted out so many times I even had apartments looked at under my information and I'm not doing it I found numbers and addresses I didn't have or live at credit that was removed put back and nothing has stopped its still happening with reports and XXXX I'm getting mad and I can't even get replaced ss card cuz of this mess and when enter information for free reports it gets hung up on me after iv entered it and more false credit XXXX being reported still and blocking me from even getting snow tires this has to stop there is also 5 miss spelled forms of my name on it
Product: Student loan

On XX/XX/XXXX I submitted my form to FedLoan Servicing for Public Service Loan Forgiveness. I have made the required number of payments, and submitted the form correctly online. During a conversation with customer service, I was told that it can take months to process the paperwork, so I continued to wait. After still not seeing any movement on my account, I called back in XX/XX/XXXX, and was told that the entire program was on hold indefinitely during the pandemic, and that I should have received correspondence about this ( I did not, nor was I able to find any documentation online about this program " freeze '' ). I called back last week, and was told that although the program is up and running again, the paperwork I submitted was not processed correctly, and the form I had used was no longer in use, so I had to resubmit. Please note that the form was set to expire in XX/XX/XXXX, yet when I submitted in XX/XX/XXXX, the form the website said to use was the expired one. I asked to talk to a supervisor, who assured me that since it was an error on their part ( about the form being improperly processed, and just sitting there in the wrong " pile '' not being worked on ), they will allow me to use the same form. However, this week I received a letter stating that my application was being denied because more than 60 days has passed, and they need verification that I am still with an eligible employer. I am an XXXX XXXX single mom in the XXXX XXXX, we can't just up and quit our jobs. So now I am having to resubmit paperwork and wait even longer for resolution. None of this would have happened if they had properly processed my form the first time. I am extremely concerned, because after doing some research it seems like this company is doing everything in its power to make sure nobody can get their loans forgiven. It makes no sense for them to say that it takes months to process an application, and then turn around and say too much time has passed for them to make a decision, we have to resubmit the paperwork. When does it end?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX   XXXX {$6300.00} XXXX CARD XXXX {$670.00} XXXX XXXX XXXX {$870.00} XXXX  XXXX  XXXX {$3300.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX IN XXXX Balance : - XXXX  XXXX XXXX, XXXX. XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy discharged Date filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im filing a complaint because the original creditor XXXX XXXX verbally agreed with me that they made a mistake by inaccurately reporting that I owe them a debt and allowing RS CLARK & ASSOCIATES to report a paid in full balance on my credit report. I contacted RS CLARK & ASSOCIATES and asked them to remove the invalid debt with a {$0.00} balance off my credit report and from all credit bureaus/agencies after getting a confirmation from the original creditor that they will also remove the invalid debt but they have failed to do so.
Product: Credit reporting

In   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   I received an alert from the my credit monitoring service stating that an inquiry was placed on credit files. The inquiry is a fraudulently inquiry via  XXXX  Bank as I did not apply for credit with this company. I called all  XXXX  credit bureaus to notify them of the fraudulent activity.  XXXX  and  XXXX  immediately removed the inquiry, but Equifax did not. Equifax told me to call   XXXX   XXXX   to have the inquiries removed. I called   XXXX   XXXX  . They stated that the would submit a request to the Equifax to have the inquiry removed, and to date, both inquiries are still being reporting on my Equifax credit file. I have called Equifax several times in regards to this matter and each time they tell me to call  XXXX . I called  XXXX  and they keep telling me that they have submitted the request several times to Equifax, but Equifax is still stating that they have not received anything and the inquires are still showing on my credit report. Please help