23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a notice that my credit rating was negatively impacted by a late payment to XXXX. I apparently did receive the bill electronically, but it never notified me that my payment was late. The credit representative said there was a " subtle reminder. '' Also, XXXX XXXX claims they tried to call me but had the wrong number. 

If you sign up for automatic notices, they should send you a specific reminder. But that is not the primary issue here. 

I have had a XXXX 's account since 2008 and had no issues. What bothered me here was when I called XXXX 's to discuss the situation, they said they could help me with the credit report if I paid the past due balance -- and once it posted they would give me the contact number. I did not have a problem with this, as missing this payment was an accident and I had full intention to pay. However, when I called this contact number if was clear that XXXX 's had no intention of fixing the problem on the credit report, and said that they could not do it. This was a bait and switch tactic.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . 

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are [ describe the remarks in detail, including any inaccuracies or misleading information ]. 

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within [ specify a reasonable timeframe, such as XXXX days ] from the date of this letter. 

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

account-XXXX XXXX XXXX Update status on dates followed to current status. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Product: Debt collection

I did not receive any communication about this collection. In my call with insurance and hospital regarding the claim, Insurance agreed that it is non hospitalization claim and agreed to pay. But did not pay. I was not aware of this and did not get any bills thereafter. The treatment happened in XX/XX/XXXX and I collection came into credit report in XX/XX/XXXX. It is only for {$180.00}. I paid once I came to know about the collection. I was informed that collection will be removed from my credit report.
Product: Debt collection

5 purchases were made from a company through paypal. Purchases were made on XX/XX/XXXX for {$30.00}, XX/XX/XXXX for {$32.00}, XX/XX/XXXX for {$26.00}, XX/XX/XXXX for {$29.00}, XX/XX/XXXX for {$30.00}, and XX/XX/XXXX for {$30.00}. The purchase on XX/XX/XXXX was switched for paypal to paypal credit by paypal. By the time I received the late payment notice by mail in XXXX the charge for the {$29.00} item had accrued to {$98.00} with the difference being interest and fees. 
I have contacted paypal credit and requested the XX/XX/XXXX transaction to be processed through paypal as were the other transactions. Paypal has billing information needed for payment. Paypal was  contacted or has contacted me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Each time I have requested the XX/XX/XXXX transaction to be completed through paypal as the other transactions were completed. I have told them I will not pay the interest and fees.Following the payment all accounts are to be closed out with paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, ELAN FINANCIAL SERVICE Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
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 TransUnion 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 Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Mortgage

I submitted a package for a loan modification but was told that I was not going to be reviewed for any options to avoid foreclosure. The lender stated they sent a letter explaining but I never received any letter and am unsure why they can not help me save my home.
Product: Checking or savings account

I received my XXXX loan thru chime a month later they suspended my account I sent them info then they closed my account and said Im not eligible for a refund. I tried to call and received a voicemail with no outlet to speak with anyone. Now Im stuck with my bills growing rent food and kids with no money. 
I had XXXX dollars in the spending and a lil in my savings it wasnt a lot maybe 40 something dollars XXXX XXXX 2020 my account was put on hold XXXX XXXX 2020 it was closed stating I wasnt eligible for a refund
Product: Money transfer, virtual currency, or money service

Capital One has experienced a Tech Issue by their Third party provider that has caused no direct deposits to actually deposit. This is a HUGE inconvenience as there are automated bills to be paid and now those will all bounce.

No clear ETA which is completely unacceptable!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed. 
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

I just recently checked my credit report and noticed that I did not authorize anyone employed by these companies to make an inquiry and view my credit report. In addition, I did NOT give EXPERIAN permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. Last but not least I have no contract with EXPERIAN this is a privity of contract.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally lodge a complaint against the XXXX major credit reporting agenciesTransUnion, XXXX, and Experianregarding the wrongful and harmful information they have reported on my credit reports. These inaccuracies have caused significant harm to my financial standing and were reported in direct violation of the Fair Credit Reporting Act ( FCRA ) guidelines. 

Despite my efforts to dispute the erroneous information with each bureau, they have failed to correct the inaccuracies, thereby neglecting their duty to maintain fair and accurate credit reporting. As a result, my creditworthiness has been unjustly impacted, leading to denial of credit, higher interest rates, and unnecessary stress. 

Attached to this letter, you will find detailed documentation outlining each violation committed by TransUnion, XXXX, and XXXX. These include instances of : Inaccurate reporting of accounts. 
Failure to remove disputed items in a timely manner. 
Reporting outdated and obsolete information. 
Ignoring my formal disputes and not conducting a reasonable investigation. 
According to the FCRA, each of these violations entitles me to compensation of {$1000.00}. As outlined in the attached documentation, the total number of violations amounts to XXXX ( XXXX ), bringing the total compensation owed to me to {$10000.00}. 

Attached, you will also find an invoice totaling {$10000.00} for these violations. I respectfully request that the CFPB intervene in this matter to ensure that TransUnion, XXXX, and XXXX rectify these errors promptly and compensate me for the damages incurred as a result of their non-compliance. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to ensure that these agencies are held accountable for their actions and that my rights as a consumer are protected. 

I look forward to your prompt response and resolution of this issue. 

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

I submitted request to XXXX, Experian, And XXXX  to dispute a late payment for the month of XX/XX/XXXX for my XXXX XXXX account. I submitted my dispute letters on XX/XX/XXXX and a follow-up letter on XX/XX/XXXX. I have yet to hear back from either of these companies with the result from my investigation.
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. ( XXXX XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

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

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

15 USC 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.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Citizens Bank on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Citizens Bank made me purchase insurance separately.
Product: Credit reporting 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. 

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 has violated my rights. Or list of inquiries 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.
Product: Student loan

Several times in the course of the last year, I have made large lump sum payments to my student loans ( Federal ) which are serviced by NelNet. On the subject line of these checks, I write my account number, and the instruction to " Apply to Loan Group with Highest APR!! '' Despite these clear instructions, NelNet repeatedly applies my payments to the loan group with the LOWEST rate, a fixed rate of under 4 %. I don't care to pay down this aggressively, I'm trying to knock out the 6 % APR debt that is growing too fast. 

NelNet errors in their own favor over and over again. Most recently with a lump sum of {$3000.00} sent in the month of XX/XX/2018. I have just emailed them to have it adjusted, and I'm sure they will comply ( as they have in the past ). But it's criminal that the onus is on me, the borrower, to make sure my payments are applied fairly. NELNET IS RIPPING OFF STUDENTS.
Product: Debt collection

I have been dealing with this collection agency, they have called my house five times a day. They have not properly validated the debt, and have not provided proof of debt.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the immediate removal of several inaccurate items from my credit report provided by XXXX. Upon reviewing my credit report, I have identified several discrepancies that require immediate attention and correction. I demand the prompt removal of the following inaccuracies : 1. Charge-off : [ Provide details of the charge-off, including the account number, date of charge-off, and amount ].

2. Late Payment : [ Specify the late payment instance ( s ), including dates and account details ]. 3. Settlement : [ Detail the settlement and any discrepancies related to it ].

4. Inquiries : [ List any unauthorized or incorrect inquiries ].

5. Repossession : [ Provide details of the repossession, including date and account information ]. 6. Credit Card Issues : [ Detail any issues related to credit card accounts ].

These inaccuracies not only misrepresent my creditworthiness but also violate the Fair Credit Reporting Act ( FCRA ) guidelines. As such, I demand their immediate removal to prevent further harm to my credit profile. 
I remind XXXX of its obligation under the FCRA to ensure the accuracy and integrity of credit reports. Failure to promptly remove these inaccuracies may result in legal action. 
I expect immediate action on this matter and request confirmation of the removal of the disputed items once the necessary corrections have been made.
Product: Credit card

I have a XXXX XXXX credit card which was administered through XXXX XXXX until XX/XX/2024. Effective XX/XX/XXXX, Synchrony Bank is the new creditor. 
I tried to check my previous monthly statements today because the current balance that I was given by Synchrony seemed high.

I registered as an account holder and logged into my account. I only could see my past activity, not my monthly statements. I called customer service, and I was told that the statements are not yet available because they have not been uploaded yet. The customer service rep said it is going to take a while because there are so many XXXX XXXX XXXX  holders. My only option available, according to the customer service rep, to see my previous monthly statements, was for hardcopies to be mailed to me, which would arrive in XXXX to XXXX business days. 

I can no longer log into my XXXX account because the account has been closed. 
With XXXX, I opted for electronic delivery of my statements, because I wanted to be environmentally conscientious. Now, I can not even look at past statements to determine whether my current XXXX XXXX XXXX balance is accurate. 

There seems to be something illegal about a consumer not having access to past monthly statements because the statements have not yet been uploaded by the new bank. And the customer rep could not tell me when the past monthly statements would become available for viewing through my online account. Would you please help me with this?
Product: Debt collection

This isn't a duplicate request, however on XXXX  I submitted a complaint to Experian regarding : XXXX XXXX XXXX ( XXXX ). Experian updated my credit report as updated. I want to know what due diligence Experian exercised to confirm when XXXX XXXX XXXX XXXX itself didn't and can not verify the debt. This is illegal practices. 

Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of XXXX my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company. Lastly Fact, please show good faith in the matter by expediting deleting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.
Product: Credit card

XXXX purchases were made by me on my credit card in XX/XX/2023. I enrolled in the deferred payment option for both purchases that the credit card was offering during the same billing period. 

When I saw my XXXX statement I noticed that the entries made by XXXX XXXX ( I believe that this is the name of the company the credit card company uses for their deferred payment plan ), the entries were incorrect and created an additional debit for each item on my account. I made numerous phone calls to customer care and no one would even look or tried to understand the difference between debits and credits or review my statement. They said that the statement was correct. After getting no where, I sent a letter with examples explaining why the entries were incorrect to Credit Card Billing Disputes, Card Services and Credit Card Payments departments. The package sent to Card Billing Disputes was certified and I received notification that it was received and signed for. During my phone conversations with them, I told them that since this seems to be an issue, I will go ahead and pay for these XXXX purchases on my XXXX statement, but they need to cancel the deferred payment plan. They said they could not cancel the deferred payment plan. Leaving me to pay for the items on my statement and then deferred payments for the next XXXX months. 

I have not heard back from them. I sent them a message a month ago asking for the status of my complaint, and they never responded. 

I deducted the XXXX original purchases from my XXXX statement. I always pay my monthly balance in full with the exception for this time. When I received my XXXX statement I noticed that they did not mark my statement paid in full as they always had in the past indicating that I still owed for my XXXX original purchases. As the months went by, I stopped using this card to bring my balance due to the original XXXX purchases. They are using the payments I have made toward recent purchases to apply to the XXXX XXXX plan. By the end of XXXX months, my account balance will end up being double the original purchase amounts. I am more than willing to pay for the XXXX original purchases as long as they delete the deferred payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections on my report that I DO NOT OWE and have no knowledge of that I would like removed off my credit report. Both XXXX  and XXXX have removed for some reason experian has not. It says i have 1 collection owed XXXX XXXX XXXX XXXX}. Which i do not owe this.
Product: Credit card or prepaid card

Vanilla one prepaid card XXXX XX/XX/XXXX XXXX Funds were used on XXXX website not by me the purchaser I want to receive my funds back immediately. 
When i purchased this i was covered by fdic insurance. 
I would like a replacement visa egift for the amount of XXXX dollars please and thank you
Product: Checking or savings account

Please refer to the attached document as supporting evidence of my claim. 
I opened a Checking account with Citizens bank back in XX/XX/ with a {$300.00} promition code. I followed all instructions and I received more than {$500.00} deposits in the first 60 days to qualify for the bonus but now the bank is not providing me the bonus and it says Each deposit needs to be {$500.00}. But as you can see in the evidence attached to this complaint that the banks promotion webpage does not say that clearly at all. The promotion says the account holder must receive " {$500.00} in the first 60 days '' and that is what I did. If the promotion page displayed this details I would have made {$500.00} deposit instead of 2 deposits of {$250.00} totaling {$500.00} every month. The bank should not mis-inform the customers just to make them create new accounts. When I tried to show the promotion details to customer support agent of the bank on call the agent surprisingly said that some third party is promoting this offer and not the Bank itself when the promotion is clearly shown on the Citizens bank website only ( please refer to attached evidence ). I should be given my account opening bonus of {$300.00} and for future customers Citizens bank must fix the details in their promotion on their website so that no other customer should be cheated like me by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 65 points due to the way XXXX XXXX reported the pause in student loan payments granted by the XXXX XXXX to the credit reporting agencies. Account was in good standing and there were no other adverse actions that would impact my credit only change was the pause in payments automatically granted by the govt. All parties contacted ( XXXX, XXXX, Transunion, XXXX  ) insist the error is not theirs and will not make any adjustments, meanwhile  I have been harmed financially and unable to make any improvements to my finances in the middle of a pandemic.