23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX Account # : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account # : XXXX Account name : XXXX XXXX XXXX  XXXX Account # : XXXX Account name : XXXX  Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX 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.

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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and the above accounts without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have not been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that these accounts be reinvestigated and deleted off of my credit report immediately. I do not owe theses debts and I am requesting a cease and desist immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment on my credit report for COMENITYCAPITAL/XXXX XXXXXXXX. I made the payment well before the due date, but it appears there was a delay in processing it on your end. As a result, my credit report inaccurately reflects a late payment. I request that you investigate this matter and update my credit report promptly.
Product: Student loan

The U.S. Department of Education recently announced that it will approve federal student loan forgiveness for borrowers who were deceived by XXXX job placement claims. By court order we suppose to get automatic student loan forgiveness how meet the criteria, it's been more than +4years of suffering waiting for the action by the department of education . I submitted an application for loan forgiveness based on my eligibility for the program, but I have not received a discharge despite waiting for over four years. the lack of loan discharge has impacted my life, such as the financial burden of continuing to make payments on a loan you believe should have been discharged. Also, I been denied for mortgage, loan even a credit card of {$500.00}.
Product: Debt collection

CBJ Credit Recovery has been paid in full several months ago but it still shows I owe them money on XXXX report
Product: Checking or savings account

Concern about interest rate for me capital one 360 savings rates are not what they promised. I open this account in XXXX
Product: Student loan

XXXX XXXX, XXXX To : Consumer Financial Protection Bureau Subject : Complaint against loan servicer Navient Solutions LLC XXXX XXXX XXXX, XXXX, PA XXXX Dear CFPB, I initially submitted this complaint, and the response was that the location was inaccurate. This was a correct assessment, as I provided the address for XXXX XXXX against the Navient name. This will be a resubmission of this complaint based on the service address listed in the subject line and as noted in the screenshot on page 5. I would like to formally resubmit this complaint against Navient regarding a student loan which I believe I should not be paying XXXX Signature Loan. I made a simple request to Navient to provide ALL documentation of this XXXX Signature Loan and I want all of it from the time of inception to now. They have repeatedly ignored my requests even after multiple times of contacting them through my secureonline account that I was requesting to have the documented email trail. I want Navient to provide proof that they have the paper trail for this loan and can support the numbers as to why it doubled from an originating value of {$15000.00}. If Navient can not provide definitive evidence of this loan, then discharge this note and remove it from my account. If Navient bought this note from XXXX XXXX, then Navient should have also inherited the history. Provide that history and tell me why it has inflated from $ XXXX to {$30.00} at 6.25 % and on top of that additional notes that equate to $ XXXX. My complaint is that I do not think I should be paying any further on this XXXX Signature Loan. At the time, my name was XXXX XXXX XXXX. Ive since remarried, and my new last name is XXXX. In the subsequent pages, I will detail why I believe I should no longer be paying on this note. Regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

This is a Lowes credit card, I am not able to make a payment online with another vredit or debit card, only by giving my bank account and routing no # 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX Acct # XXXX I have sent several letter to the bureaus disputing this information for it is not mines. 

XXXX Acct # XXXX I have sent several letter to the bureaus disputing this information for it is not mines
Product: Debt collection

I paid this debt in full XXXX of 2017 and I have already submitted a complaint due to their customer service rep providing false information. This company has stated NUMEROUS times I owe them {$0.00}, which is FACT. However, I get at least 4 phone calls per week from XXXX XXXX trying to collect a debt! I will sue this company if they do n't remove my phone number from their call lists as I owe them nothing. When I call them directly I am told that I owe them nothing. But they continually call me from different numbers that include : XXXX ( XXXX XXXX XXXX, XXXX, XXXX. IT IS NEVER ENDING. this company is disgusting and if they do n't stop calling me to collect a debt that is not owed I will sue them.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

I returned 9 bottle of recall products " XXXX XXXX XXXX they only refund me 7 of them on XXXX XXXX, 2022 in XXXX XXXX, XXXX XXXX. I got total XXXX amount back for only 7 products but two products was missing. They told me when they scan the product it does NOT show the receipt it was returned but it shows it was processed return in their system but they can not refund because I purchased online. They told me that 2 of them will be refund by Bloomingdales.com because it was purchased online. I spoke next day or in 2 days with Manager name XXXX. She told me don't worry Bloomingdales.com will refund me by credit card or send me by check by how I originally paid for. I spoke to several people on Bloomingdales.com I spoke to Lead Supervisor from Macys/Bloomingdales customer service named XXXX her Id # XXXX, she is located in Texas. She said she was going to follow up with Manager XXXX and follow up with me and work on my case. Last time she left me a voice message on XXXX XXXX saying she will follow up with me on XXXX XXXX and never heard back from her again. It is really frustrating that no one is giving me proper refund back for two missing item. It was considered stolen by Bloomingdales.com for keeping in their possession without refunding me. I would like to communicate through email.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit 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 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 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 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 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 reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX have deleted an account off of my credit report not once not twice but three times and have been deleting the account and then a month later re-adding the account back onto all 3 of the credit bureaus. The account is XXXX XXXX. This has been going on throughout XX/XX/2018. The account was just added back onto all three credit bureaus after being deleted for the second time last month in XXXX. This is ridiculous. It sinks my score the more they delete it and re-add it. Once an account has been deleted that should be final.
Product: Credit reporting or other personal consumer reports

I am a visctom of identity theft and I have asked and request for the credit agencies to ask the creditor to provide prrof of the claim they never did asked the creditor to provide proof of the claim they say they have my address and account information but they never say from who when I call them no one responded then i get another notification of harrasment saying I will be prosecuted how ever no court order this istuation is agravating I am running out of resources to hanle thos calmly I cant sue or prosecute them becuase the entity does not exist
Product: Credit reporting or other personal consumer reports

EXPERIAN Notice and Dispute Report Number : XXXX The accuracy and completeness of the following account is hereby disputed : 1. XXXX XXXX XXXX : Account XXXX. Pages 34 & 35 The RECENT PAYMENT, MONTHLY PAYMENT and HIGHEST BALANCE sections are completely missing all information. This is inaccurate and incomplete. Please fix these issues or delete the account from my consumer report. 

2. XXXX XXXX XXXX : Account XXXX. Pages 8 & 9 The DATE OPENED, TERMS and BALANCE is inaccurate. The RECENT PAYMENT, MONTHLY PAYMENT and HIGHEST BALANCE information is completely missing. The Payment History is missing information from XX/XX/year> through XX/XX/year>. If the account was opened in XX/XX/year> this information should be reported. This is inaccurate and incomplete. Please fix these issues or delete the account from my consumer report. 

Please provide an updated copy of my consumer report to the above referenced address upon completion of the investigation. Relevant credit report pages are attached. Im sending all necessary documents to prove my identity and address. Please dont send me letters saying that you dont know who I am. 

ATTACHMENTS : Drivers License W-2 Utility Bill Credit report pages 8, 9, 34 & 35
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions
Product: Debt collection

Med-1 Last Call was made on XXXX XX/XX/2018. I have notified them more than once I was on the XXXX  XXXX XXXX  XXXX ( in written form ). They have continued to call. 

They call from ( XXXX ) XXXX plus other phone numbers which I never answer,
Product: Payday loan, title loan, personal loan, or advance loan

Advertising as a " line of credit '' where the interest is charged on the front end. For Example : borrow {$100.00} get {$96.00} then you pay back {$100.00}, to get your full usable balance back. I've been making payments to them for months and essentially half my payments are just disappearing into thin air. The last 3 months I've paid about {$900.00} but my available credit limit is only {$470.00}. Total balance owed is about {$2500.00} max limit about {$3000.00}. The total interest fee 's owed should only be about {$130.00} total even when the " line of credit '' is maxed out, and isn't supposed to be recurring for holding a balance. When I talked to an agent they just gave me the run around and I asked to send the contract and they haven't yet. They were claiming there's " a separate thing '', and the additional contract " may have never been signed ''. It seems like they are charging an almost 50 % recurring interest rate, based on the math. Otherwise I'd have almost double the available credit limit.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I tried to transfer {$1100.00} using my debit card directly my wife 's bank account in the XXXX using XXXX XXXXXXXX XXXX. I think official company registered name is RIA, XXXX XXXX, CA or Continental Money Exchange Solutions, dba XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX At the end of the transaction a message flashed " your bank refused transaction '' and immediately kicked me off the site without proving any receipt or record of the transaction. I immediately went online and checked my bank account. The {$1100.00} debit was already there and processing from " XXXX XXXXXXXX XXXX CA ''. When I signed back in to my account on XXXX, it did not show this transaction. I called the company by number located on line and the representative could not locate it either. The company representative named " XXXX XXXX told to send a picture of the bank transaction and gave me an email address. I did, but the message was rejected as not a good address. 

I called the number included in the bank debit transaction with the same results. I found their " customer care '' site and submitted an inquiry stating all the actions. I received an email response with an Inquiry # XXXX. Indicated I would receive a response in 24 hours or less. NONE received to date. 

I have made multiple other calls and been told many different things, from bank refused my transaction, they do not accept debit cards for XXXX XXXX transfers, can not locate my transaction to they are processing a " reversal ''. The last call today indicated that they found my complaint but could not find any " reversal '' request. 

My bank, XXXX claims they can do nothing as the transaction is still " processing ''. 

In the meantime my wife was without money to go to a doctor and my money is in limbo so can not send by alternate means.
Product: Credit card or prepaid card

I contacted capital one to close a secured card I carried with them. They kept having issues when Id try to make payments in the app and I was told they charge a fee over the phone to take payments and ultimately this account made my credit score drop so often due to late payments the rewards they promised and the customer service were not what was promised. Since I had no benefit I chose to close the account in XX/XX/2022. I paid a deposit when I started this card and I was not notified it was returned back to the card balance after the account closed notice was sent to me. I chose to close the account but the credit card has reported to credit bureaus that it was closed for being 60 days late. I did not receive any paper bills which is what I had opted for even when the account was active. In the app it had shown closed but now it appears as open and theyve been adding on late fees. The notice of account being closed back in XXXX did not state that there would be interest and late fees charged after account closed but now they show two billing statements in the app which never were received by mail and both bills show interest charged. The bill that posted as late 2 days after the account closure notice showed a {$16.00} charge and didnt show the credit of my deposit. The first bill in XXXX shows only a {$25.00} late fee but the bill for XXXX shows a {$40.00} late fee and interest when no new purchases were made. The bill due XX/XX/XXXX shows no credit available I assume because I had closed the account but on the bill theres no mention or acknowledgment of the account being closed. Same for XXXX. I can not get an agent on the phone and hve had no luck with in app chat support. This issue affected my credit score and I was alerted today of a significant point drop due to the reporting they did. I never saw it show as closed on my reports but I gave it time because I was told it can take 60-90days to update but recently was made aware thats not the case.
Product: Credit card or prepaid card

Payments on my Capital One Credit Card are due on the XXXX of each month. I proceeded to make my payment through the mobile app on the XXXX of XXXX, only to incur a {$20.00} late fee on the following day. As a result, I called the Capital One customer service to explain the error on my account. The representative explained that payments must be made by XXXX on the mobile application and refused to reverse the fee assessed regardless of the same day payment. 

This practice appears to be deceptive as the card agreements refer to due dates, not specific times.
Product: Credit card

I've always made sure that payments on this account are on time, avoiding any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. According to XXXX5 USC 1666b - Billing Error, this should be rectified.
Product: Debt collection

they are charging me a debt that we should not we have a year of receiving calls from sunrrise credit sevices # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft ; Im writing to you to inform you that someone stole my information and opened a credit card under my name. Im requesting you to remove the account from my credit report ASAP. This is a fraudulent account in my credit report. Here are the details. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My last request for an investigation was denied by the company because somehow it seemed as though I did not write and submit my complaint. I don't understand why this collection is showing on my XXXX credit report because I don't have a contract with XXXX XXXX XXXX, Account # XXXX. I am not liable for this debt with XXXX XXXX XXXX. I also don't have a signed contract or application with this collection agency. This is a violation of my consumer rights according to the FCRA, under 15 U.S.C. 1692g : Validation of debts is a requirement by law and must be adhered to. 15 U.S.C. 1681 Section 602 A : States that I have the right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2 : also states that a Consumer Reporting Agency ( CRA ) can not furnish a account without my written instructions. I have never given XXXX written instructions either. I XXXX XXXX wrote this complaint alone and without help. I have attached my Drivers License, Home Lease, Social Security Card, and a Current Utility Bill. Once your investigation is complete, Please delete this inaccurate collection account and mail me a corrected copy of my credit report/ file.
Product: Mortgage

PHH Mortgage has been demanding payment for my home. When requesting verification of this assignment of mortgage, fraudulent documents were submitted which did not match the note supplied from my original mortgage company and did not include our information leading me to believe they have falsified data. They are sending statements stating that the home will be submitted to a default/foreclosure department due to nonpayment but we have yet to receive the information. 
In addition, there have been 2 assignments recorded with our parish where our mortgage company supposedly assigned the property over to them TWICE. once in XXXX and again in XXXX When requesting a verification of mortgage in XX/XX/XXXX when serviced by Ocwen, a letter showing {$0.00} balance was submitted to us. Mers System also shows something totally different. 
We are asking that there be clarification and verification of this said mortgage along with these assignments.