23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Texas XXXX Equifax Information Services, XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX Consumer Financial Protection Bureau FTC XXXX Dispute Processing XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Michigan XXXX Social Security # XXXX XXXX : XX/XX/XXXX At this time, I ask that any fraud alert that exists on my credit bureau to be lifted at once. I never requested one, and it was placed by a third-party without my complete approval and authorization. Please remove at once. 

I am at this time requesting my free annual copy of my credit report as mandated by the Fair and Accurate Credit Reporting Act. 

Please send my free credit report to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Social Security # XXXX XXXX : XX/XX/XXXX Thank you for your cooperation and consideration in this matter. 

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

ALLY FINANCIAL is reporting my transactions and experiences specifically a late payment that they have posted on my consumer report. 

this company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

This debt collector could not provide proof of debt or original signed contract per my written request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, PHEAA is reporting numerous accounts in my name as collection/charge off. I have contacted PHEAA numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, XXXX, and XXXX  ), and they refuse to delete the item because PHEAA responds to the dispute by stating that the loans are verified and accurate.
Product: Credit card

i am being charged a very high interest and have got a 0 % interest on balance transfer and they will not allow me to make the payment with a credit card. so i was going to have the card company send them a check but in my account info i have no account number have never received a card and they refuse to tell me over the phone my account number. i do not think it is appropriate for them to keep all my info from me since i am the one being charged with high interest.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$25000.00} ; DEPT OF ED/XXXX XXXX XXXX : {$6500.00} ; DEPT OF ED/XXXX XXXX XXXX XXXX {$3400.00} ;
Product: Checking or savings account

During the time I had navy federal, dating back to XXXX to the current year XXXX, I have been wrongfully charged for overdraft fees
Product: Student loan

On XXXX/XXXX/2015 I filed a complaint with CFPB, Case # XXXX. Loan Science responded to this complaint and offered me a Loan Modification for my student loan. I accepted the Loan Modification and signed it and returned it to Loan Science on XXXX/XXXX/2015. In their response to my complaint, they stated that XXXX ( their Loan Servicer ) would have the Loan Modification processed within 10 business day. Well, it is now past 10 business days. XXXX processed only part of the Loan Modification. They reduced the interest rate to 0 %, they reduced my payments to {$410.00}, and set my payment plan up for 354 months ... BUT, they did not reduce my principal amount. Currently, on XXXX website it states that I owe $ XXXX still. I should only owe $ XXXX according to my loan modification. See attached documents. 
I called Loan Science to find out why this still is n't updated. They then did a conference call with XXXX to find out why it is n't updated. We had to talk to several different people and we were finally transferred to a Supervisor with XXXX who claimed that they did n't recieve the information from Loan Science to reduce the principal, only the information to set up the payment at {$410.00}, the reduced interest rate at 0 %, and the payment schedule of XXXX payments. And then XXXX mentioned something about taking the amount off after I paid for 30 years. I do n't think so, this needs to be updated now to reflect the information the loan modification states. 
Not only am I stuck paying for a predatory loan that I feel is n't fair but when they offer me some sort of relief, they still ca n't even get that updated properly. I am at my wits end. 
I spoke with XXXX very nice ladies today at Loan Science, XXXX named XXXX, and her supervisor XXXX XXXX who told me that she would have this resolved by Friday and that XXXX would have their website updated to reflect the reduced principal amount. Although she stated that this would be updated by Friday I still feel the need to file a complaint because I need to make sure I have record of this issue so that it 's not delayed any further. It seems I only have resolution when I complain on this website. I want to make sure the principal amount is reduced before I may my first {$410.00} payment due on XXXX XXXX, 2015 because I fear that if they do n't have the principal amount reduced, any payment that I make will get applied to the old principal amount and when XXXX finally gets around to updating to the reduced principal amount any payment I have made will get lost and then I will have an entirely new problem to deal with.
Product: Credit reporting or other personal consumer reports

Request for Deletion of Collection Account Pursuant to FCRA I am writing to bring to your attention a matter regarding a collection account that appears on my credit report. I have previously requested verification of this debt from the collection agency responsible, XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 1006.34 and 15 U.S.C. 1681s-2 ( b ) ( 1 ). Despite my request, XXXX has failed to provide any verification of this debt or respond to my inquiries within the required time frame and EXPERIAN Credit Bureau continues to validate this debt even while complaints with XXXX have gone unanswered and still pending! As a result, I am formally requesting the immediate deletion of the collection account associated with Account # XXXX from my credit report. Under the FCRA, a collection agency is obligated to verify the accuracy of a debt when a consumer disputes it. Failure to do so within 30 days constitutes a violation of the FCRA. XXXX and EXPERIAN Credit Bureau has not met this obligation, and as such, the collection account should be removed from my credit report. 
The details of the collection account in question are as follows : Collection Agency 's Name : XXXX Account XXXX Amount : {$3100.00} I am writing to express my serious concerns regarding the reporting of a debt on my credit report, which I believe has not been properly verified in accordance with the Fair Credit Reporting Act ( FCRA ) standards. This communication serves as my formal notice of intent to pursue legal action to address this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer report 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

Concerning credit card XXXX XXXX XXXX XXXX XXXX Fidelity aka Elan Financial Services aka US Bank. 

Elan Financial Services is not reporting my correct balance information to XXXX or XXXX. The information XXXX has is incorrect as well, but more current than the other two agencies who still have my balance as {$15000.00} ( which it was in XX/XX/XXXX ) as opposed to {$14000.00}, which it has been since my last payment on XXXX XXXXXXXX XXXX. XXXX is at least reporting my balance as {$14000.00}, which would have been true as of statement ending date XX/XX/XXXX. My grievance is their reporting to XXXX and XXXX. 

On XX/XX/XXXX I filed a dispute with XXXX that my balance was {$14000.00} and not {$15000.00} as they were reporting ( and are still reporting the same today ). On XXXX they responded to them on XX/XX/XXXX that XXXX confirmed my balance was indeed {$15000.00} and closed my dispute. 

On XX/XX/XXXX I filed a dispute with XXXX that my balance was {$14000.00} ( which it is now ) not {$15000.00} as they were reporting ( and are still reporting the same today ). On XX/XX/XXXX XXXX reported results their information was confirmed by Elan Financial Services on XX/XX/XXXX that my balance was indeed {$15000.00} and closed my dispute. XXXX told me if I disagreed with their findings contact " the entity that originated the information. '' On XX/XX/XXXX I called Elan Financial and lastly spoke with a supervisor named XXXX who tried to argue with me that they were reporting the correct information on a monthly basis, and I needed to submit my complaint in writing. So, I am submitting my complaint in writing here.
Product: Debt collection

I started getting calls from someone years ago in ref to a XXXX XXXX  and I told them that this account was opened up fraudulent, I told them that my father who is deceased now stole my information and did this, but what was so alarming that this company allowed someone to fraudulent get this information without proper identification
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act these creditors have violated my rights. 
Under 15 USC 1681 section 602 it states I have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX, EQUIFAX AND XXXX and multiple creditors have reported late payments and they are as follows : XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX These are accounts that I have not given XXXX, EQUIFAX AND XXXX my written instruction to report. 
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: Credit card

-Bill cycle XX/XX/XXXX - XX/XX/XXXX - {$0.00} balance at beginning of bill cycle -Purchase made XXXX : {$2300.00} XXXXNo other purchases made during bill cycle -Statement balance : {$2300.00} -Statement states that the " Standard Purchases '' " Balance Subject to Interest Rate '' was {$610.00} ( pg. 3 ) -Statement states that "... you can avoid paying interest on your Purchases ( excluding Easy Pay ) by paying {$2300.00} ( this amount includes any Minimum Payment Due required to avoid a late fee ). '' ( pg. 5 ) -At no point in the " Important Information '' section of the bill does it disclose that this is the average daily balance of the card.

Description of problem : I called Barclay regarding my Carnival credit card on XX/XX/XXXX as I was uncertain whether the purchase I made was subject to interest if not paid in full or if I had a deferred interest offer as it was a purchase made through a subsidiary of Carnival, but not directly through Carnival. The bill provided seemingly conflicting information as broken out in the bullet points above and I did not understand why only part of a single purchase was subject to interest. The original representative was unable to answer my question and provided conflicting information that I had a special promotion that made only part of the balance subject to interest but also telling me that I needed to pay in full to avoid interest ( approx. XXXX min ). After escalating to a supervisor, I was on the phone with them for XXXX min before they were finally able to provide the answer that this was the average daily balance during the prior bill cycle. In all, the call totaled XXXX minutes to find an answer that should have been disclosed in the statement. If it took their trained representatives that long to be able to figure out why the bill displayed this information, I'm not sure how I, as a consumer, am supposed to be able to understand my bill.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Payday loan, title loan, or personal loan

The AFFIRM INC with account number XXXX  appears to be a charge-off account with a specific balance of {$1100.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX XXXX. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT MANAGEMENT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT MANAGEMENT  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX  XXXX Balance : {$150.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive been trying to get my new credit report from Experian and unfortunately I keep getting an error message every time I try to update my report or score. Please check attachment for more details
Product: Checking or savings account

On XX/XX/XXXX I called wells fargo 's corporate office and put a stop payment on a check from a company that I was having problems with. I have attached a copy. On friday the XXXX of XXXX they paid the check and after charging me for the stop payment they pay the check because according to them it is not a guarantee. What a crock of XXXX. XXXX and other banks have no problems honoring stop payments. So now wells fargo refuses to give me the money back and tells me that I have to file a claim and there is over XXXX missing because of this transaction. Taking money for a stop payment and then not honoring it that is fraud. And what bank is the king of fraud. WELLS FARGO. Also I have a couple of other disputes with them that they refuse to send me proof and are allowing companies to sign my name to transaction and they do nothing. Please help me get my money back and personal charge some XXXX here with a criminal felony account. I have never heard of a bnak not being able to honor a stop payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

years ago i took out a va loan with Dovenmuehle mortgage. and they never closed it out. it has been killing my credit for years. i know it is on XXXX but i am unsure if it is on the other credit reporting agencies. i do no have the account numbers because this was 10 or more years ago. thanks in advance
Product: Debt collection

I get a phone call today from a number that I did not recognize. I forwarded it to voicemail. The message that was left said that this was a final notice of escalation. I returned the call, the woman, XXXX XXXX, said that I had committed a federal crime and that I could have jail time. I had to pay a debtor that I have not known about previously. When I attempted to talk to her, she would not tell me what company she worked for. She also accused me of being in love with my ex who opened multiple accounts in my name without my knowledge. I have been clearing this up for the past 3 years. She also called multiple people that I am related to, including my boyfriend, my cousin 's husband ( never lived with ), my grandmother ( never lived with ) to date. She called from XXXX. I attempted to call again. No one answered. I was put through to a " XXXX 's '' voicemail.
Product: Debt collection

I was not informed of a {$220.00} debt to XXXX at all until XX/XX/XXXX, when their agent Sunrise Credit Services reached out to me with an attempt to collect upon the debt. This poses a massive harm to my credit score and XXXX and Sunrise need to be reprimanded for not informing me of this and taking adverse action against me.
Product: Debt collection

A Salesperson at XXXX ( XXXX XXXX XXXX ) fraudulently fabricated an address and phone number to bill unauthorized internet and phone services to my name. I was informed by 3 different XXXX  employees that the issue was resolved, only to find that it was later sent to collections with AmSher ( ashmer.com ). It is evident that my dispute of AmSher 's collection was not reviewed by their organization or XXXX. It was only after I filed a Consumer Protection Complaint with XXXX XXXX ( XXXX ) that XXXX reached out to me to inform me the Sales Representative was fired for his actions and 'my ' debt collection with AmSher has been waived. 

However, this complaint is with AmSher specifically, as they have been equally negligent throughout the process and failed to discontinue debt collection at the creditor 's request. I never received a debt validation letter from AmSher. Initially this was because they sent it to XXXX 's fabricated home address that I had attempted to correct with XXXX 3 times. I corrected the address for AmSher and requested debt verification letter, which they failed to send. My debt collection had not impacted my credit at this time. The debt collection appears to have been reported to credit bureau weeks after I notified AmSher that the debt was nullified ( effectiveXX/XX/2021). After learning that the debt was waived, AmSher has gone 'dark ' on me and will not respond to multiple requests to confirm account is closed upon providing the creditors ( XXXX ) confirmation number. My experience indicates that ( 1 ) AmSher reported debt without first sending the requested debt validation letter and ( 2 ) knowingly proceeded after having been directly informed that the creditor has approved my dispute. I have no further recourse, as AmSher has stopped email communication, as this discontinued debt would otherwise not be profitable to them.