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

I participated in the Student loan rehabilitation program due to my student loan ( s ) being in default. I made the necessary 9 payments successfully and was never late paying. I completed the program which brought my loans out of default and any late payments would be removed. The late payments are still showing on my credit report for all three bureaus. I have disputed multiple time without any success. They refuse to update my payment history and their response is they verified with the one who furnished my loan. I know that to not be correct because XXXX was the one handling my defaulted loan and I have the letter from them informing me that I successfully completed my rehabilitation. The credit bureaus did not investigate this information and they listed a generic statement XXXX and XXXX list the name as XXXX/XXXX and Equifax list the name as XXXX/XXXX. This is very frustrating because it is preventing me from obtaining the loan needed to purchase my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

My arrival plus XXXX XXXX XXXX MasterCard # : XXXX is lost/stolen and some of the charges on the account are fraudulent charges/transactions.
Product: Debt collection

There is a collection that reported this is unknown, no notices etc and I DO NOT OWE this company anything. Requesting removal of this ASAP XXXXXXXX XXXX XXXX for {$710.00} false information
Product: Debt collection

A lawsuit was filed against  XXXX   XXXX   XXXX   XXXX  now known as  XXXX   Bank File  number  XXXX  for deceptive and discriminatory credit card practices and now Midland Funding LLC is using deceptive tactics to collect debts. This is not a debt that I owe. Why is this still showing on my credit bureaus?     Collection Agenc y MIDLAND FUND Original Creditor   XXXX   XXXX   XXXX   XXXX   XXXX  Status Open Opened Date  XXXX   XXXX ,  XXXX  Closed Date --  Responsibility Individual Balance {$990.00} High Balance {$990.00} Last R eported  XXXX   XXXX ,  XXXX  Remarks Account information disputed by consumer, meets FCRA requirements Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it 's going to stay on your credit report, but info has been updated to reflect recent activity.     Dispute Reasons Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data.   The terms are incorrect.
Product: Student loan

I have submitted applications to be transferred to the PAYE payment plan and waited many months for this to occur. It still has not processed and I am not able to get credit for my PSLF. Can you please follow up with Mohela so I can begin paying off my loans?
Product: Debt collection

I HAVE BEEN GOING BACK FORTH WITH THIS EQUIFAX, XXXX, AND XXXX XXXX. THEY HAVE NOT GIVEN ANT VERIIFACTION. I SPOKE WITH THEM ON THE ON THE PHONE TODAY. THEY HAVE MADE AN ERROR AND WAS NOT GON NA CORRECT IT. IF I WOULD HAVE NOT SAID ANYTHING.
Product: Debt collection

I have been contacted regarding an account for a debt that is not mine by Convergent Outsourcing, representing XXXX XXXX for an account associated with XXXX. This account is not mine. When I informed the representatives that the debt was not valid and in the process of repeated attempts to get verification of the debt, Convergence Outsourcing/ XXXX XXXX XXXX the following violations of fair debt collection practices : 1. Representatives from XXXX XXXX, XXXX, or Convergent Outsourcing contacting my family members ( I am assuming you got this information from social media ) attempting to reach " XXXX regarding a business matter '' for a debt that is over 8 years old. - When I returned their call with my daughter, a lawyer, on line and she requested verification of the debt and an end to the calls, we were given a fake name for the person they were looking for regarding this account ( XXXX XXXX ). 

2. Calls to my cell phone regarding this account where, after I denied the account was valid, I was told that they would serve me papers at work, at home, " or wherever '' by the district court which was an implicit threat to sue me on a debt that is not only not mine, but well past the statute of limitations for debt collection lawsuits. 

3. Representatives from Convergent Outsourcing repeatedly refusing to provide account information to my authorized legal representative despite my giving verbal authorization for such communication and be being on the phone line during the conversation. - Convergent Outsourcing also repeatedly denied being in possession of the account to my authorized legal representative despite sending me requests for payments. - Requests for verification of this debt were repeatedly denied to my authorized legal representative with Convergent Outsourcing insisting they did not have the account despite having sent me a bill and attempting to call me regarding this account that same day! 

4. Reporting of a debt that is over 7 years old to the credit bureaus. - This needs to be removed immediately as this is not a valid debt. - This needs to be removed immediately as this debt is over 7 years old. 
These issues will be reported to the consumer finance protection bureau. Any further
Product: Credit card or prepaid card

A few years ago I had a credit card account with discover, this account was paid off in XXXX and was sitting dormant with a {$0.00} balance. Early XXXX I opened a new credit card account with discover. Then, I received an offer in the mail to upgrade my account to a discover miles account. I figured this was for my current discover card and activated the card. Turns out this was for the dormant account I havent used in years. The reissue was deceptive in nature as its only purpose was for me to use my old account. In no way did I request this reissue and in my opinion a violation of what reg z protects consumers from as this reissue was not necessary. I consider it a reissue since they sent the plastic. The confusion had a negative impact on me as I thought I was paying my credit card balance but I was only paying the ( 1 )  account I thought I had. Now I have a balance on a second account in which Im being charged interest even though I thought I was making payments. The old account did not show on my app and I was set for paperless statements. This account was so old that I created a new log in when I opened the new account, making it impossible to track purchases, balances, and non of my payments were applied to the right purchases so now I have late payments. XXXX used a reissue to a dormant account 24+ for marketing purposes which is both deceptive under UDAAP and a violation of reg z .
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I did not find a category that accurately matches my complaint. 
I discovered today that there is a collection on my credit report for XXXX dollars from LJ Ross associates, account number XXXX. 
I never received any letters, notices or phone calls about this matter until I saw it on the collection report. It turns out it is an electricity bill for a property I don't even own anymore. 
I paid this debt immediately, without even knowing if it is my debt or not ( as mentioned, I received no documents whatsoever ). 
I was told by the representative that they will put in a request for removal from my credit report, however I have not received so far any document confirming that. 
I was also informed that it may take up to 30 days for the information to come off my credit report. 
This significantly affects me since I am in the process of buying a home. 
I think this collection agency failed to do their job appropriately by not providing me with any notice whatsoever prior to reporting this debt to the credit bureau. Had they done that this matter would have been resolve a long time ago, I didn't even know this debt existed.
Product: Debt collection

They purchased his debt from an old apartment complex. I moved out of the apartment on XX/XX/XXXX and IThey purchased this debt from an old apartment complex. I moved out of the apartment on XX/XX/XXXX and I provided my 60 day notice on XX/XX/XXXX, however it seems like they could never locate the letter. I provided it in person to the office however, it was never submitted in the system now they are charging me for a month that I didnt live there and damages that I did not do this to reflect my credit disputing I do not owe this company nothing because my agreement was never with this company. It was with the apartment complex and which I lived stop stop harassing me sent multiple emails to the attorney general and they keep trying to collect for the past couple of years now it is hindering me from getting a new apartment and I feel like I do not owe this debt and I will not be paying it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a letter to Transunion disputing several inquiries appearing on my credit report. The letter was received by Transunion on XX/XX/2018. To date, I have not received a response from Transunion regarding the unauthorized inquiries appearing on my report. The have failed to comply with the FCRA and provide me with evidence of permissible purpose. Specifically, written authorization which shows that I applied for credit with the company reporting the inquiries. 

On XX/XX/2018 I sent a follow-up letter to Transunion advising that they failed to respond within the time allowable under the FCRA regarding the investigation of the inquiries appearing on my report and there has been no evidence of written authorization by me which would establish permissible purpose.
Product: Money transfer, virtual currency, or money service

This is a copy of the certified letter I sent to PNC. 

PNC Bank XX/XX/20 Corporate Headquarters XXXX XXXX XXXX. 
XXXX, Delaware XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Dear PNC Representative, I have been a PNC member for about 20 years when your bank grandfathered me in from National City Bank. I  have had a mortgage loan, home equity loan, checking and savings accounts. 
I mistakenly transferred {$2100.00} from my account at XXXX XXXXXXXX XXXX to a wrong PNC debit card number on XX/XX/20 at XXXX. The wrong number is XXXX XXXX XXXX XXXX. My correct debit card number is XXXX XXXX XXXX XXXX. My finger did not record the # 1 on the third set of four digits. 
When I realized the error, I contacted the XXXX Branch office and requested a dispute process. I understand this process can take up to 90 days. I receive a letter a week later indicating the dispute was resolved. I check my account and see that nothing was resolved. 
For the next several weeks in XXXX and XXXX I follow up this matter with dispute personnel. While the process of this matter is very stressful and frustrating, what is even more frustrating is the conflicting feedback that I am getting with the dispute personnel. 
The Ravenna branch manager indicated on two phone calls that he sees it and will forward it to the correct department to handle it. Another person said that nothing can be done because the account doesnt exist. Another person said that what I did was transfer real money and can not do anything and that people lose money all the time. I asked him to send me his answer in writing to me. He refused. This same person said, We dont have a system to get your money back. I tell him that his answer is not believable because the branch manager told me twice that he sees the error on his database. 
The one common message I am getting from your dispute people is that the process has to start/come from the bank you initiated the transaction. Twice I connect your people with the XXXX XXXXXXXX XXXX  ( XXXX  ) with phone number and name. They spoke. XXXX gave PNC the numbers that were entered and the amount entered indicating the first 6 digits are a PNC account. Again, I get the same message that the process has to begin with XXXX. Just yesterday I ask PNC dispute personnel to be specific about what is needed to process this matter. No specific answer is stated to me. Today, XXXX is writing a letter with this information and sending it to XXXX XXXX at XXXX. XXXX XXXX is the current PNC personnel addressing this matter. 
Having been a reliable customer for 20 years with multiple accounts, I am hopeful that this matter can be resolved in a positive way. 
If the account does exist, that PNC can contact that customer and request the funds to be returned. 
Your assistance in this matter would be greatly appreciated. 

Sincerely, XXXX XXXX
Product: Credit card

In Late XXXX, I learned via email that my Victoria 's Secret credit card was closed. I called to dispute the reason for closing and was advised by a Supervisor that the account closed appropriately and there was nothing I can do. The issue that brings this dispute followed later, I received a letter from Commenity Bank, the Bank for Victoria 's Secret credi accounts. The letter states " We are responding to your request for a credit line increase. We obtained and reviewed your credit report and unfortunately because of your credit performance we are unwilling to increase your limit at this time. '' Well here is the major issue, I DID NOT request a credit increase on this closed account and furthermore DID NOT give permission for anyone to do so. After speaking with that Supervisor in late XXXX, I was NOT given any inclination that an attempt to review or restore the account was going to take place. Federal law requires a creditor/merchant/lendor to obtain consent prior to obtaining a hard credit inquiry for determination on extending credit.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX. 
XXXX XXXX : XXXX
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX, with Third party Authorization to help a client who initiated a wire to our escrow account for a real estate transaction in which he was purchasing a new property. He initiated the wire with AXOS BANK on XX/XX/2022, the bank failed to send the wire. The Customer has called several times, over the last three days on three way calls with Myself, the title company and a bank representative, we have worked to try and figure out why they have not sent the funds that were requested via their wire request form that they provide for outgoing wire requests, each time we were given a different story but were promised each time that they would send the funds and that it would be initiated as soon as we got off the phone. It is now XX/XX/XXXX, I have spoken with a business banker today that gave me a case number and assured the money would be wired today, but it has not been wired. At this point my customer is in default on his contract to purchase property, the seller of the property is still waiting on his proceeds and the bank is completely in default. The wire amount is for just over a XXXX XXXX XXXXXXXX dollars and never in all of my years as a title agent have i ever seen a bank do this. I am not sure how AXOS BANK is still in business, as i have seen SEVERAL other complaints about them on the XXXX XXXX XXXX XXXX website. 
Can you help? It's not right.
Product: Credit reporting or other personal consumer reports

I have proof that I've been disputing a matter with this company. I have dispute letters requesting information and I never got it. All I got back from them from what it looks like is a stall letter telling me to send my identity. I sent all my identity to show proof its me.
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. 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. 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. XXXX, TransUnion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I demand the following accounts be verified or deleted immediately. 



1. The following personal information is incorrect Account Number : Employers : XXXXXXXX XXXX XXXX 2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please delete immediately. 

4. There was never late payment in XX/XX/year>. 
XXXX XXXX Account Number : XXXX If unable to provide proof of late payment XX/XX/year> then please update to paid as agreed never late. 

5. Please verify or delete. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please delete immediately. 

6. Please explain how you verified this account to remain on my report when it has already been sold and transferred to another lender. 
XXXX Account Number : XXXX If unable to explain then please delete immediately. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Delete immediately. 

8. Please verify or delete. 
XXXX XXXX Account Number : XXXX Please delete immediately. 

9. How are you reporting this account on my report when it is a MEDICAL collection and a HIPPA violation XXXX XXXX XXXX Account Number : XXXX Please delete immediately. 

10. How are you reporting this account on my report when it is a MEDICAL collection and a HIPPA violation XXXX XXXX XXXX XXXX  Account Number : XXXX Please delete immediately.
Product: Mortgage

I already have a pending complaint against Homepoint ; however, their response, though insufficient and unsatisfying, stated I have to obtain an appraisal through a Homepoint approved appraiser. For THREE WEEKS, I've called and emailed requesting information on who is on their list so that we can obtain the appraisal to eradicate the PMI. No one is responding. How are we supposed to get this done when Homepoint will not answer questions? It's almost as if they don't WANT to help us. We've spent at least $ 75K on remodeling since the home closed and we know it will appraise for enough to remove the PMI. I have copies of multiple emails and a diary of multiple people with whom I've spoken to no avail. I can not get an answer. Please HELP US.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/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.

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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

This is the continuous effort to resolve the dispute I have with American Express on the terms and conditions they are hiding from customers. 

I made the complaint in a previous case XXXX In XXXX 2017, I have signed up for a American Express XXXX cards with the promotion to award XXXX XXXX XXXX reward points after I reach the spending limit of {$3000.00} which I did. I have confirmed multiple times with American Express customer representatives regarding this welcome reward point during and after my application. All those American Express customer representatives have promised and confirmed with me on the recorded line that I should be awarded with those XXXX points after I reached the spending limits which I did. With such promise and conditions, I was convinced and applied for this card with {$95.00} annual fee. Unfortunately, most recently they told me that there was a fine print terms in the application contract that those reward points will not be given to me since I had the similar card before. First, I do n't remember I had similar card before. Second, I did not remember I saw such fine print terms in my application form ( I have included their advisement here for your information, please help me to find where did they ever disclose such condition in the application form?? ), Lastly, I never signed and agree such hidden terms in a written document. Actually I have been asking American Express to provide me the copy of application form which I signed and agreed such hidden terms, they never did sent me a copy. Therefore, I believe this is a very unethical and wrong business practice conducted by American Express. I am urging American Express honor that they have promised to customers and correct their wrong doing.