23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had accidentally made a double payment on my Lowes credit card and when I contacted customer service they only option for refunding my payment would be accepting a paper check to be mailed to me after the payment showed posted for 7 business days. My first issue is getting a paper check.. if a company is able to accept electronic payments they should be able to refund them to the same channel. They claim its more secure for a paper check but then the consumer is at risk for someone stealing mail, the post office losing the check etc.. also to some making a double payment and waiting may not be a big deal but for others it means not being able to get groceries or paying another bill that is due.. clearly on their end they see both payments posted and not returned for insufficient funds but yet I still have to wait? When I requested the paper check to be expedited then they wanted me to provide proof from my bank account that the payments both came out and also to FAX it.. again, with this day and age, nothing is done via fax and paper snail mail.. I am at a loss as to why a large credit card company can not accommodate a request to refund a double payment in a more timely effective manor in todays world. It is extremely inconvenient to the consumer when I have already held up my end of the deal by making my payment but they want to hold on to my money as long as possible. There has to be a federal regulation on how this works but was unable to locate one. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Chase on XX/XX/XXXX in regards to two accounts that are not mine were found on my credit report. These accounts are not mine and FTC report was mailed to Chase. However Chase is reporting these accounts on my credit report.
Product: Credit card

I have been calling and contacting Bank of America constantly for over 6 months now on this issue and there has been no fix. The answer given each time is different and I just passed around on phone tag until XXXX rep says the issue will be fixed in XXXX hours... but it never is. 
I am unable to set up XXXX on my credit card account which is required to set up auto pay for credit cards for Bank of America ( XXXX system and the only credit card company I know that does this and it is awful ). 
I have had my Bank of America credit card with this issue for about 10 years. I had auto pay set up the entire time and everything was going smoothly. I opened up a checking account at the beginning of this year and everything broke in the system. ALL of my auto pays and XXXX  were canceled and deleted. All of my payment history and payment accounts were deleted. I was unable to enroll in XXXX for MANY months. After months of calling non-stop I finally got to a rep who was able to fix XXXX of the card and said the second card would auto fix after that in XXXX hours... but it never did. I have continued to call constantly for now over 7 months and there is still not a fix. 
The rep that did fix XXXX issue said ( and confirmed many times ) that the problem is due to a old bill pay profile in the system. When I opened a checking account at BoA the system changed me from a " credit card only '' relationship to a " full banking relationship '', but the old profile was not deleted and not transferred. 

The bill pay system is impossible to work with and no one at BoA has the power to fix this and no one is willing to help. Phone reps just pass me around and say wait XXXX hours.. but no resolution. They also say someone will reach out but no one ever calls to fix this issue. 

I am unable to set up auto pay for 9 months and no end in sight. This is very limiting and very risky issue with a credit card. Not allowing a customer to set up auto pay is bad banking practice and should not be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report XXXX as Company Info : XXXX XXXX XXXX Account No - XXXX XXXX. Amount Owed {$200.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No XXXX performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

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

XX/XX/2020 I filed a partial bankruptcy on XX/XX/2020 it was dismissed. I have contacted XXXX and XXXX and XXXX. Requested that they validate where they are getting this information from and delete it off my credit. This was a public record which was dismissed and never given to them by the courts. I havent sent multiple letters asking for the item to be deleted from my credit only for them to continue to keep it on my credit. I can not move forward for my children sake with something on my credit that should not be..Please HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report back in XX/XX/XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls prior to pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency Helvey & Associates advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with Helvey & Associates - I am not liable for the collection of the debt from XXXX XXXX  as this debt is not mine. I have been disputing this inaccurate information since I first found out about this fraudulent information and they have not removed this information from my credit file, nor have they understood that this debt does not belong to me. This has hurt me severely in regards to obtaining credit. Helvey & Associates states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX XXXX XXXX  ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Helvey & Associates has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Balance Owed : {$46000.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX
Product: Money transfer, virtual currency, or money service

My PayPal account was allowed to withdraw funds on XX/XX/year>, I withdrew funds to a bank account with the XXXX last number, unfortunately the bank rejected the funds and returned them the same way, I tried to link to a new bank to withdraw the funds but have not been able to do so, I contacted PayPal customer service reps on XX/XX/year>, and the problem is still not solved according to the instructions, please help me. CFBP help me, thanks!
Product: Student loan

I contact Navient on XX/XX/2021 about the late payments. They asked me if I am going to make the payments. I told them that I can not make the payments because of my work wages are not cover that monthly payment. I am currently still in school as part-time. 

Unfortunely I was taking one class because I had mental issues. I could take two classes but my mental issues hit me the hardest. So Navient had remove me from school deferment and start to demand me to make the payments on time. I can not afford that amount. 

I have tried to explain to them my situation and still make the demand for the payments which I still can't.
Product: Debt collection

Assignment clause Notarized letter of debt purchase Signed contract from original I'm asking for them to prove 100 % verified or validation. This collection agency has not proved that with this account. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally The FCRAs Rules for Credit Reporting Agencies The FCRA grants you certain rights and protections from CRAs. Under the FCRA, CRAs are obligated to : Grant you free access to your credit report Limit other companies access to your credit report Control how long items can stay on your report Give you the right to dispute items listed on your credit report
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiry which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Hello, my name is XXXX XXXX I have repeatedly reported issues with my loan officer assigned to my home loan dating back years I recently submitted a completed loss mitigation application on XX/XX/year> and on XX/XX/year> : was denied any options of loss mitigation my mortgage carrier is XXXX. 

Mortgage. The loan officer name assigned to my home loan number XXXX name is XXXX XXXX. He has been allowed to handle my loan with non transparency. After I reported his unprofessional behavior, failure of responses to denying me the right to know consumer information about my mortgage loan, I had requested a audit of my loan almost 2 years ago due to the calculations of my account and I have received backlash. I requested a different loan officer to handle my home loan and I was forced to remain with this loan officer after I reported that he had consistently used methods to manipulate my loan to deny me loss mitigation after I reported his unprofessional handling of my request for transparency of calculations on my loan.
Product: Debt collection

I am being charged {$170.00} for a balance on a Credit card ( Destiny Mastercard ) that I never owned. When I contacted Concora Credit, they repeatedly insisted I give them my Social Security number.
Product: Credit reporting or other personal consumer reports

1 ) REMOVAL OF ALL FRAUDULENT HARD INQUIRES THAT ARE NOT MY INQUIRIES OR ACCOUNTS, ASSOCIATED WITH IDENTITY THEFT AND FRAUD Please remove all non-account holding inquiries 1A. Did not consent to unauthorized inquiry EXPERIAN XXXX CREDIT Date of Inquiry : XX/XX/year> Please Remove It From My Credit Report. 

1B. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Please Remove It from My Credit Report. 

1C. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Please Remove It from My Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Experian credit report and notice a lot of wrong information from my name to my addresses on XX/XX/23 I sent a dispute letter to Experian to update the information. They update some and left others such as ( wrong name and address ). On XX/XX/23, I sent a second round of dispute asking for my personal information ( addresses, name and employer ) Experian only update the employer and left the rest. On XX/XX/23 I sent a third letter to update my address and name. On XX/XX/23 Experian sent me an email with the results stating name was update. I pulled my credit report yet again and no name or address has been update. I can not keep sending them letters because now it is costing me too much and is a direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

My complaint is with Experian, Transunion, and Equifax. I disputed several closed and paid accounts on my credit report yet the reports are still showing as potentially negative after being paid and full. This is not fair to my credit rating or report after paying these account off. I also disputed addresses and my name correction and it is still showing wrong on my report as well the address there were supposed to be removed. Most of my closed accounts were due to National Disasters, and from the Pandemic. We have experienced hurricane every year. These disputes have been requested more than one time. This is not fair credit reporting, when a consumer has cleared the debt but it can still remain on the credit report as a negative impact.

On the Transunion report it is still showing a closed and paid and full account for from XXXX XXXX for a XXXX XXXX XXXX, and balance of {$740.00} that is incorrect that account is paid and full. I have uploaded the document showing where that account is paid and full.
Product: Credit card

It is a fact that I am aware that the term " identity theft, '' as defined in 15 U.S. Code 1681a ( q ) ( 3 ), and Regulation V 12 CFR 1022.3, refers to a fraud committed or attempted using the identifying information of another person without authorization. This unauthorized account with XXXX is a clear instance of identity theft as defined by the aforementioned laws. 
i have attatch police report XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX I, XXXX XXXX, solemnly declare under penalty of perjury, that the information provided in this letter is true and correct to the best of my knowledge and belief. I did not authorize or engage in any transactions with XXXXXXXX or the associated account number mentioned above. I have attached copies of supporting documents, including the police report, to support my claim. 

I respectfully request that you promptly investigate this matter and block remove the information related to this identity theft from my credit report, as permitted by 15 U.S. Code 1681c-2 ( a ). Furthermore, I request that you provide me with a copy of my credit report that reflects this blocked information. 

Please send any correspondence related to this matter to the address provided above or contact me at XXXX if you require any additional information or clarification. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 

Sincerely,
Product: Student loan

I have recently graduated and surpassed the six month-post-graduation deferment status. I intend on continuing my education, but until then I planned on paying on my student loans. When I had initially called Sallie Mae, and XXXX, and Sallie Mae, and XXXX again ( due to their incredibly confusing split of my loans after I had taken them out ) they had given me one specific payment of which was reasonable. When the bills actually arrived in the mail they were quadruple what I was told on the phone a few months prior. Without having been employed in my field yet, I was able to pay the original stated payment but can not afford what they are claiming I must pay monthly now. Every time I call I reach a different person who is insistent on handling my call rather than trying to transfer my call to whom I had spoken to the last time, this leads to ever changing advice and totals. Every time I call they give me a different amount, date, and information. I am so overwhelmed because I feel as though Sallie Mae and XXXX have successfully made this process way more confusing and difficult by splitting companies and loans without any prior notice.
Product: Credit reporting or other personal consumer reports

According to US 1681 privacy act my credit information has been released illegally in a Mass credit breach. I asked that all items on my credit report be removed immediately and not used as the mandate XXXX  day investigation. In which this does not apply my privacy, rights violated, and I asked at all items be removed from my credit immediately
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.

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

I HAVE A COLLECTION WITH ACCOUNT XXXX XXXX THAT IS SITTING ON MY CREDIT, I CONTACTED THE ORIGINAL CREDITOR AND PAID THE ACCOUNT OFF SEVERAL YEARS AGO, I HAD TO BECAUSE IT'S A UTILITY. BUT THIS COLLECTION COMPANY KEEPS IT ON MY CREDIT REPORT SHOWING I OWE A BALANCE ON THE ACCOUNT. I CONTACT THEM AND THEY WANT ME TO PAY THE BALANCE, EVEN THOUGH I HAVE TOLD THEM THAT I PAID WITH THE ORIGINAL CREDITOR. THEY DON'T SEEM TO CARE, THEY ALSO HAVE NEVER SENT ME ANY PAPERWORK REGARDING THIS ACCOUNT AND THEY KEEP RESPONDING TO THE DISPUTES THAT I PUT THROUGH THE CREDIT REPORTING COMPANIES, AS THE ACCOUNT IS ACCURATE AND NOT MINE. THIS IS CAUSING ME TO NOT BE ABLE TO REFINANCE. THEY ARE STOPPING THE LOAN PROCESS OF XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Management LP reported to my credit reports inaccurate information to all three credit bureaus. It was reported to XXXX that the account was open on XX/XX/XXXX, last reported on XX/XX/XXXX, and date last active on XX/XX/XXXX. It was reported to XXXX that the account was open on XX/XX/XXXX, last reported on XX/XX/XXXX, and date last active on XX/XX/XXXX. It was reported to XXXX that the account was open on XX/XX/XXXX, last reported on XX/XX/XXXX, and date last active on XX/XX/XXXX. According to the FCRA 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting : Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Per the law ALL information should be accurate that is reported to the credit bureaus. This information is not accurate across all credit bureaus which directly violates my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. I received a notification that there was a hard inquiry from XXXX XXXX on my credit report. I do not have an account or never attempted to open an account there. I have reported a similar issue with the Federal Trade Commission.
Product: Debt collection

I sent the ocmpany a debt valdiation letter to verfiy the debt that they claim I owed and requested they stop the collection process. I sent the request certified. Amonth later Im still seing this debt on my credit report as it seems they have not ceased collection attempts
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached to this company several times in reference to the many errors on my report. They never responded. I didn't receive any letters in regards to my concerns. I can't even get a job due to the inaccurate items reporting on my account that are affecting my credit score.
Product: Debt collection

In XXXX the original creditors, of these debt collection agencies were made aware that the accounts were fraudulent due to identity theft. They were open and used without my knowledge. Once I found out about them I made a police report, as well as an FTC report. The original creditors stopped trying to collect the debt after they were made aware of this through the credit bureaus as well as me, providing them with a police report and an FTC report. These Debt collection agencies seek to collect the debt that was originally discharged as identity theft. As of XX/XX/XXXX, these debt collection agencies have also been made aware of the identity theft, and have been provided with the supporting documents.
Product: Credit reporting or other personal consumer reports

Navy federal credit union is showing a late payment in XXXX and i made 2 payments in XXXX, this is not accurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing accounts reported by XXXX XXXX XXXX XXXX XXXX ; Account XXXX {$460.00} and Account XXXX. Certain transactions on both accounts were not authorized as well as duplicate charges for a hotel reservation. I contacted the original creditor XXXX XXXX XXXX about these transactions. XXXX failed to dispute those transactions and closed the account and sent these two accounts to XXXX XXXX XXXX XXXX , XXXX . I demand verification of debt. These two accounts were reported on my credit files on XX/XX/XXXX while these two accounts were still open and active. I received letter from XXXX  XXXX XXXX XXXX XXXX that was forwarded through the postal service XX/XX/XXXX. The letter was dated XX/XX/XXXX with the default date of XXXX XXXX. In the letter XXXX XXXX XXXX XXXX XXXX XXXX stated This account may be reported to a Credit Bureau but no sooner than 90 days. That statement was FALSE as they reported to the credit bureaus on XX/XX/XXXX. Their letter was dated XX/XX/XXXX. Accounts XXXX and XXXX were closed by XXXX XXXX XXXX the second week of XX/XX/XXXX.