23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In the XXXX, I was accepted into a XXXX at the University XXXX. On XXXX XXXX, XXXX, I received the email below from fedloan servicing. 

" UNIVERSITY XXXX notified us that you 're enrolled in school. We placed your loans on an In-School Deferment or updated your existing deferment dates. This means you are not required to make payments until your deferment ends. However, if you are able to make payments while on a deferment, it helps to reduce the total amount you have to pay back. 
In-School Deferment Dates Deferment Begin Date XXXX/XXXX/XXXX Deferment End Date XXXX/XXXX/XXXX '' So, since I was under the impression that my loans were in deferment, I did not make payments in XXXX or XXXX. That was fine. There were no issues in XXXX or XXXX XXXX. Then, on XXXX XXXX, I received the following email ... 

" Account Number : XXXX Your FedLoan Servicing account is due for a payment on XXXX/XXXX/XXXX. 

To make this payment, select " Make A Payment '' below and sign in. Or go to Account Access at MyFedLoan.org and select " Payments & Billing ''. You may also view your most recent billing statement at this same location and in your paperless inbox. '' Please note - the email was sent XXXX XXXX, and the bill was due XXXX XXXX. Really, I get one day notice when I was under the impression the loans were in deferment? When I called fedloan servicing this evening, the gal I spoke to could not find evidence of a bill and apologized because this delinquency was their fault. I was presented with two options - pay the amount in full, or file a one-month forbearance. A forbearance would have helped, but when you 're paying XXXX dollars a day in interest it 's not really worth it at that point. 

I graduated with about {$45000.00} in student loan debt. Not nearly as bad as it could have been, but I 've worked my XXXX off to repay my loans in full and on time. I 'm not on income-based repayments, and I 've NEVER missed a payment, but now, I 'm responsible for " fixing '' this problem that was not my fault. 

How can they change the status of your loans without notifying you? How do you know you need to make a payment when you do n't receive a statement? 

Note to all, login to your accounts and stay on top of things! If I would n't have caught this mistake when I did I would have risked it damaging my credit score, the score I 've worked hard to build, the score that controls your financial well-being.
Product: Mortgage

Since I filed a bankruptcy on my medical bills, Wells Fargo is not reporting on my credit report. I did not file anything that had to do with Wells Fargo in the bankruptcy. Plus, the bankruptcy was finalized in XX/XX/2012. Wells Fargo is stating that they will not report on me for the remainder of our loan, which is 28 years from now since we recently refinanced. I can not get approved for a loan because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I see inquiries that I did not make and I'm trying to dispute them
Product: Debt collection

I got a call regarding {$150.00} debt from XXXX for terminating the contract. They have incorrect address and incorrect contract dates. I had completed 2 years of the initial contract, after which it goes in to month-by-month contract. I terminated after nearly 2 years and 4 months. However Debt Collection Company claims there is a termination fee because it automatically renews the contract. I do not believe that is correct as per initial contract, I asked them to send me a copy of Contract that I signed so that I can verify. Neither Debt Collector or XXXX has this. I explained this once but I got another call to collect full amount ignoring previous discussion.
Product: Credit card

Back in XXXX XXXX 2009 conn credit corp was reported on my credit report. I never applied for credit with them at this time I asked them to send proof that this was my account and they never did. The account has been a charge off on my credit report for over seven years with a XXXX balance?
Product: Debt collection

Someone from the debt collection agency called my wife around XXXX. 

He claimed to not know it was not my number, but this agency has been calling me for months, and they had never called her before.
Product: Payday loan, title loan, or personal loan

ON XXXX XXXX I RECIEVED A ALERT FROM XXXX THAT A LOAN COMPANY CALLED XXXX XXXX XXXX XXXXXXXX DONE A HARD INQUIRY ON MY CREDIT REPORT WITHOUT MY PERMISSION .I HAVE NOT ASK FOR ANY NEW CREDIT OR MONEY FROM THIS COMPANY .THIS CAUSED MY XXXX SCORE TO GO DOWN JUST AS I WAS TRYING TO REFINANCE MY CAR LOAN AND OTHER CREDIT .ISSUES.I HAVE SENT TWO DIFFERENT CEASE AND DESIST CERTIFIED LETTERS TO THIS COMPANY BUT AS OF XX/XX/23 I AM STILL RECIEVIND HARRASSING CALLS FROM XXXX XXXX XXXX XXXX XXXX IS MY UNDERSTANDING THAT NO ONE CAN CHECK YOUR CREDIT UNLESS YOU GIVE THEM PERMISSION WHICH I DID NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history on XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, some are reporting late on some months 60, 90 days late! Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, TransUnion and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX and XXXX  XXXX XXXX are financial institutions by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that, " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX and XXXX  XXXX XXXX the financial institutions and the Consumer reporting agencies Equifax, TransUnion and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, TransUnion, Experian, XXXX XXXX, and XXXX  XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX and XXXX  XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, XXXX XXXX ( a ) ( XXXX ) states, " Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states, " 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. XXXX XXXX XXXX XXXX states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Equifax, TransUnion and Experian are not maintaining reasonable procedures.
Product: Checking or savings account

TD Bank recently completed a disastrous upgrade to their online banking. 

When I logged in to their updated website it showed incorrect contact information, specifically a XXXX area code phone number I previously requested be removed from my account over a year ago. 

I followed the process to update this phone number, but they sent a confirmation stating that my address has been changed. 

I spoke to a XXXX XXXX that told me this was just a generic message. However, I just got my most recent TD Bank statement dated XX/XX/2018 and the address has reverted to my old address. The XXXX phone number still appears from my account and they did not remove it as I had requested.
Product: Debt collection

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate, and it's causing me discomfort.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document 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 the months that I was late 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights, Account # XXXX XXXX XXXX  XXXX has violated my rights, Account # XXXX XXXX, has violated my rights, Account # XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX, has violated my rights, Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX  has violated my rights, Account # XXXX XXXX XXXXXXXX  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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax especially and experian want take off third party collections even though the veteran administration pays for all medical bills. I was injured jn combat but went into coma and had no idea I was taken to XXXX XXXX XXXX. Before I got out of coma the hospitals contractors put my at va would pay for everything but they keep h bills in collections. I called XXXX XXXX XXXX out of Virginia would yell and hang up phone. They said they want cash and nothing else. I also told these two credit agencies they transferred medical information to XXXX XXXX  which is against hippa laws. It also took months for decision. Equifax has 25 collections for less then XXXX dollars. The bill for accident was in millions and i think this is also fraud. But they definitely gave XXXX XXXX XXXX my medical history. Also they want bill for these small amounts and want send me fcra section 611 and 625 back to show i even agreed to this. The problem us the credit agencies aren't following federal laws and listening to me for a year. I want these small amounts that veteran admin would pay off but they only want cash. They also got my medical records and that is state and federal law that the hospital or some how they got my records. Equifax and XXXX want rake this off my report but XXXX did and XXXX did 14 off but not 2 of them. I just want what is legally for credit agencies to do. 


XXXX XXXX
Product: Credit card

I have got Lowe 's store credit card by synchrony bank. 

Here is the detailed events as it happened over the months, XXXX : I have used the card to install fencing around my house and that costed around {$7500.00}. It was applied to an promotional balance category. That means that I have about 24 months to pay it off. I immediately setup an automatic payment of {$400.00} towards it. so that it pays off on time. 
XXXX I have bought couple of more items in the store and used the same credit card. The total was around {$500.00}. 
I called and made a payment for that purchase. But in the next statement, It did not pay off those {$500.00}. Instead of applying towards this non-promotional balance and they applied it towards the promotion balance, Even though I specifically asked them to pay it towards non-promotional balance. Due to this issue, the statement shows extra fees, interest, etc. 
XXXX : I called to them to correct this issue and adjust the payment appropriately, so that I don't have to pay the fees. the customer service person told me that this will be corrected in the next statement, but the issue remained. 
I called many times over the months and explained them about the issue. but the issue is not getting resolved. I am still having the balance, interest & fees on the last statement. it is apparent that Lowes / Synchrony bank does not allow users to make the payment towards the non-promotional balance. so that they can charge fees as they like. 
Here is the history of all the phone calls ( I have gathered this after taking with customer service ). 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Customer Service - 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 )
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account, however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sequimm Asset Solutions also know as Focus Receivables Management is posting a paid collection on my credit profile with the major reporting bureau this is the 3rd attempt at having this paid collection deleted from my credit profile the company is falsely reporting this debt and is in violation of my rights granted to me under the Fair Debt Collections Practices Act, this account was turned over to this collection agency whom i am not under contract with nor have i ever been under contract with nor was i ever notified of the attempt to collect on this debt upon seeing the debt posting to my credit profile i contacted the company and settled the debt i was never notified that this debt was due prior to posting nor did i ever have a chance to validate and dispute this debt. which the FDCPA grants me the rights to do those things before they can post to the major reporting agencies .by continuing to post this Paid debt to my credit profile is illegal, deceptive, and abusive i was never notified of this attempt to collect this debt. The FDCPA states that within 5 days of attempting to collect this debt i should have received a validation letter, Section 809 Stats that legally i should have been notified of the debt and then had i chance to dispute this debt which i was never granted, the company listed are in violation and if the collection is not removed from my report farther legal action will be taken
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and compromised for the benefit of another individual unknown to me. And from this my credit file has unknown accounts on there inwhich I have no knowledge of. I'm demanding that these accounts be throughly investigated, corrected, and updated. Please provide me with physical documentation inwhich attached my name and social to these unknown and unauthorized accounts. And if you or your companies can not meet the above demand, I'm respectfully demanding that the following accounts be removed and block from my credit file. 

1 ) XXXX XXXX  {$780.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. The following Accounts : Original Creditor : XXXX XXXX  Debt holder : XXXX XXXX XXXX  Balance : {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX ) stayed at an apartment complex titled XXXX XXXX XXXX Apartments from XX/XX/XXXX - XX/XX/XXXX. I kept up with my payments and never missed a payment. I moved out XX/XX/XXXX, but was sent an invoice for a bill of {$93.00}. I paid this bill to XXXX XXXX XXXX Apartments on XX/XX/XXXX. I have a final account statement given to me by XXXX XXXX Apartments which proves that I paid the {$93.00} on XX/XX/XXXX. For some odd reason XXXX XXXX XXXX Apartments sent this debt to a collections agency titled ProCollect INC. The Debt is now in collections on my credit report and is currently hindering me from completing a cash-out refinance which I need to complete. I disputed this collections debt to the credit bureaus. XXXX immediately removed this collections debt from my credit report, but XXXX will not remove this debt from my credit report. I do not understand why XXXX will not remove this debt from my credit report when XXXX would. It shows in black and white on my Final account statement given to me from XXXX XXXX XXXX Apartments that I clearly paid the {$93.00} debt on XX/XX/XXXX. I spoke to procollect inc and explained to them that I had paid the debt to XXXX XXXX XXXX apartments and they were very rude and did not care and they made be pay the debt again promising it would be removed from my credit report if I paid again. I was so desperate that I ended up paying Procollect Inc. again in hopes that they would remove this debt from my credit report, but unfortunetly XXXX will still not remove this debt from my collections report. This debt on my collections report is hindering me from doing a cash-out refinance which is flat out wrong and against all my rights as a customer. Please have XXXX remove this debt from my credit report so that I may complete my cash-out refinance. Thank you very much. Please protect my rights as a consumer. This is very cruel.
Product: Mortgage

XXXX XXXX at amerisave mortage charged me XXXX XXXX dollors to start application for a refinance but change amount to be financed after that and i wasnt interesred so i canceled the appraisal appointment and told him im not interested and asked for my XXXX XXXX dollors back he told me it was non refundable is that legal and how do i get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was charged off in XX/XX/XXXX same account was later charged off again in XX/XX/XXXX with a {$1.00} decrease in balance owed. I did not make any payment. This is clearly any attempt to circumvent account aging off my credit report. This 2nd charge off posting has caused my score to drop significantly.
Product: Debt collection

I have tried to resolve this issue with the debt collector and informed them that I was a victim of identity theft and I didn't open or give anyone permission to open this account. I asked for access to the account to see what was purchased and see how much credit was used and got no response, but just to pay it. 
Witch I refuse to do. I have absolutely no access to the account, it was opened up with fraudulent phone number and email address. 
I have disputed this in the past and got no were. I also found out that the account is still OPEN when I asked them Several times to close it. Because I didn't give them permission to open it. 
I asked what type of identification was used to open up the account. 
I noticed that the debt collector keeps adding late fees on the account. 
I feel that Debt collector is not being fair about this situation at all. 
I need to resolve this issue ASAP. 
can someone please assist me with this issue.
Product: Debt collection

I am reaching out in regards to a debt that I do not have any knowledge of. As shown on my credit report it is stating that I owe {$4500.00} to XXXX XXXX and that the account was opened XX/XX/2022. I am requesting for more information of my full identity, signatures with my name and receipts of this debt to get a better understanding on how I owe this amount. I am also requesting a goodwill deleting of this trade line off of my credit report seeing that I do not have any knowledge of this collection.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payment for the account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX ). Please investigate and provide Proof with statement showing that this payment was late. Additionally, I demand that the incorrect information shown by other credit bureaus such as XXXX and XXXX be corrected ( they do not reflect any late payments ), which is why they are violating consumer laws. If proof cant be provided, I demand this payment be updated on time as it should be as I was Never Late. Thanks