23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Good morning, Thank you for taking the time to look into this issue that I have with my private student loan company Sallie Mae.

Enclosed you will find a letter that sent to them regarding the drastic drop of 75 points in my credit report due to a derogatory remark. In addition to the letter I also provided my bank statement showing the Sallie Mae withdrawals that had to be made in order for me to continue with the 1 ) No derogatory remark on my credit report and 2 ) Money to be put down so I can get into the deferment plan due to my job loss from Covid 19. As you can see this letter was sent to them on XX/XX/2020, and still have no response from them. 

Please help me get this matter resolved so I can get gradually get back on track. 

XXXX
Product: Debt collection

On XX/XX/XXXX I received an alert of a new derogatory collection placed on my credit. The collection agency is I.C. System Inc. The original creditor is XXXX XXXX in the amount of {$1000.00}. In XXXX, I settled all my derogatory collections in order to repair my credit including XXXX/I.C. Systems. I paid it off completely. I was shocked and extremely frustrated when I received this alert. When I contacted I.C. Systems. They described the debt and it doesn't and never has applied to me. Please help!
Product: Credit card or prepaid card

I closed my Sam 's Club XXXX credit card account more than a year ago by phone. Sam 's Club or Synchrony, the issuing bank, automatically opened a new Sam 's club credit card under my name in XX/XX/XXXX. I never received this new card or activated it, but then received a statement through the mail that was sent to my old address. I had moved over 2 years ago, and I was only made aware of this new account when this letter was forwarded to me in XXXX. The statement included charges made on the card for a {$50.00} Sam 's club annual membership fee on XX/XX/XXXX. Today ( XX/XX/XXXX ) I called the number on the statement ( XXXX ) to cancel the card. The representative mentioned the canceled card was declared stolen which is how a new card was issued, but was able to cancel the new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The amount on my credit card is wrong. It should be in a XXXX balance. It should be updated to the Three Buraus XXXX, XXXX  and XXXX.
Product: Debt collection

I received a debt collection letter from IC System, but their phone number was disconnected. I looked them up on their website and called that phone number, which kept disconnecting me every time I called. I do not know what this debt is for and I can not get any information about it, since none of their phone numbers are valid. I suspect this is fraud, but since it refers to XXXX, I am concerned because someone recently hacked into my bank account and tried to run charges through XXXX. I have not charged anything through XXXX and do not have a XXXX account. Someone is using my identity without my permission and now I am getting collection letters. How do I stop this and make sure my credit is n't adversely affected?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX / XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

My bank confirmed that BANK OF AMERICA CREDIT CARD and my PAYMENT check XXXX FOR XXXX was SENT TO MY bank WITH THE WRONG ACCOUNT NUMBER so the CHECK WAS REJECTED. The routing number on the check was correct. 

BANK OF AMERICA IN ITS ARROGANCE each manger - three of them would not confirm their mistake even though XXXX XXXX support proved to them over the phone that XXXX XXXX was correct and that BANK OF AMERICA sent the wrong account number that did not match the account number of the check. 

I had this BANK OF AMERICA account for 19 years. They have to fix the issue not me I did not cause it so if they failed I OWE them nothing. I paid them and they would do NOTHING to fix the issue. I closed my account with them and will be open a civil lawsuit where they will have to pay all the fees. They threaten to hurt my credit because of their mistake. 

I have all the conversations recorded. 

I was on the phone with them for over an hour. 

Each manger level are useless, they were like XXXX XXXX  reading a script and I am not even sure what they are good for - they all should be fired. I will be writing to the CEO XXXX XXXX, XXXX XXXX XXXX and all the rest of the board of directors. This company I now pray daily will go bankrupt. 

XXXX - Floor manger ID :????? 

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

These furnishers continue reporting false, inaccurate information on my credit report. XXXX, XXXX and Equifax continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute the accuracy of information contained in my credit report. After a thorough review, I have identified fraudulent accounts that I believe have been reported inaccurately. I request that you investigate and remove the following fraudulent accounts from my credit report immediately. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise we will be seeking a legal remedy in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

with Equifax For the past week I 've been trying from XX/XX/XXXX - XXXX-XXXX 2017 to initiate online disputes for 4 medical collecations that have all been removed from XXXX and XXXX. They have such high volume calling I ca n't get through and you can not initiate the dispute f I 'm the app or web portal. I 'm a paying member of their site and ca n't get disputes started with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... AVANTE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXXXXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX write to you today with a growing sense of frustration and disappointment regarding the persistent inaccuracies in my credit report. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from my credit report. This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct 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  ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries 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 To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
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, XXXX XXXX XXXX : # XXXX has violated my rights. 
XXXXXXXX XXXX XXXX XXXX : 1959 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: Debt collection

I have received numerous phone calls, and a letter from Synergetic Communications , Inc for a bill they claim is owed for over XXXX dollars. The letter is vague and does not provide any information about the original creditor. SynerComm refused to give me information. I am assuming it is a medical bill ( because I had a bill similar to this amount which was paid in full ). I told SC this information but they did not listen. They asked for my address and DOB. I felt obligated to share because I called them based on the letter. I am a senior citizen and do not appreciate this tactic. If I knew who the original creditor was I could provide the proof. I do not trust this company and who they claim to be. I pray this is not a scam since I provided my DOB. Please help!
Product: Credit card or prepaid card

Discover has an outage in which payments are denied and the phone lines are down, but they havent admitted they have an outage. Its being going on for several hours. XXXX and the XXXX XXXX  are the only two info sources since the discover card folks responding on XXXX are pretending they dont know there is an outage. Their phone lines have a busy signal. This is affecting at least 5k customers based on people who have bothered to make a report at XXXX. But discover has made no official announcement or let folks know that their card isnt going to work if they try to use it. I was really hoping for groceries today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Furtherance to my complaint ( Complaint ID XXXX ) that I submitted on XX/XX/2022 against XXXX XXXX XXXX XXXX ( Caliber ), and the response from XXXX  dated XX/XX/2022, it was expected my Mortgage account and payments will be accurately updated with Credit Report Bureaus. Also, that XXXX XXXX XXXX will be more transparent. 
For the very first time, I noticed a new charge of XXXX ( {$15.00} ) called " XXXX XXXX '' on my Mortgage XXXX that was due on XX/XX/2022. As a result, I made frantic efforts to speak with a XXXX representative to explain the reason for the new charge. It is on record that the XXXX representative feign ignorance of the new charge and promised to get back to me when she is able to know the new reason for such a charge. Since XX/XX/2022 till date, no person from XXXX XXXX XXXX has ever called me on the phone or written to me on why such a charge of XXXX ( {$15.00} ) called " Corporate Advance ''. All subsequent Mortgage Statements since XX/XX/2022 include the " Corporate Advance '' charge of {$15.00}. However, I have made it a conscious decision since XX/XX/2022 not to include the " Corporate Advance '' {$15.00} charge in my monthly Mortgage payments, because the XXXX XXXX XXXX ' staff that I had to opportunity to once make an inquiry from could not provide a reason for such a charge. 
In XX/XX/2022, I noticed that All Three Credit Reporting Bureaus had entry for my Mortgage payments for the months of XXXX and XXXX, and when I spoke to XXXX of the Credit Reporting Bureaus, I was told that my Mortgage Company has reported " Nothing '' for the months of XXXX and XXXX in 2022. Even my most recent Credit Report from all three Credit Reporting Bureaus still shows no payments for the months of XXXX and XXXX in 2022. 
In addition, I have noticed on the last Mortgage Statement for the Year ending 2022 that the " Paid Year-To-Date '' Principal ( {$10000.00} ) ; Interest ( {$15000.00} ) ; and Escrow ( {$8400.00} ) as reported by Caliber are all less than the calculated amounts that I actually paid. 
I have attached to this complaint, the different Mortgage Statements received in year 2022, Bank Print-Out showing Payments received by Caliber Home Loans, relevant pages of my Credit Report from XXXX, TransUnion, and XXXX showing XXXX entry of payments as reported by XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported charge off on credit report. I was never late on the account I tried numerous times to pay account off with representatives on the phone but they kept refusing my payment on the phone kept getting runarounds.Did not know the account was on credit report.The company does not have working phone number district manager was was confused with the corporate office why they were refusing my payment.This needs to be removed from all 3 bureaus because account was never in collections I was actually  paid a ahead.Ref
Product: Credit card or prepaid card

My Discover Card statement ending XX/XX/XXXX has a credit balance of - {$220.00} as stated in the Account Summary. In addition, words at the bottom of the statement say " Your account has a credit balance. No payment is due '' On the statement ending XX/XX/XXXX in the Account Summary it shows the previous balance of - {$220.00}. However, they added that amount to debits owed instead of as a credit. The bill says I owe {$210.00} when in fact they owe me {$370.00} I called and talked to XXXX in billing and when I asked for a manager he lied and gave me another billing agent. Neither one could help me and the last agent XXXX said a billing manager is not available. They will not admit the Account Summary is  incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of updating the item in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXXBalance {$220.00}
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I noticed several inaccuracies. I have a late payment on XXXX separate accounts that I in fact paid on time. The consumer reporting agencies have a duty to report information with complete accuracy. This account has not been late on these payments. I have attached some screenshots indicating the errors on the following : Account name XXXX XXXX  XXXX XXXX Account number XXXX Late Payment, XX/XX/XXXX Account name XXXX XXXX  XXXX XXXX Account number XXXX Late Payment, XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Late Payment, XXXX, XXXX, XX/XX/XXXX According to 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

SOMETIME AROUND XXXX OF 2018 A CREDIT CARD WAS OPENED IN MY NAME WITHOUT MY CONSENT ... THE AMOUNT WAS {$750.00} DOLLARS. I WAS A VICTIM OF IDENTITY THEFT ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a leased XXXX XXXX through XXXX XXXX XXXX, acccount # XXXX, Starting XX/XX/XXXX to XX/XX/XXXX with all payments on time.I returned the vehicle before XX/XX/XXXX at the end of lease, and was told that a bill would be sent to me in 45 days or so. I never received a bill until I found out around XX/XX/XXXX that I had been reported delinquent, and my FICO score had dropped by over a 100 points! I started communicating with XXXX XXXX on the phone and was told that a final bill had not been sent, however a bill of {$900.00} was showing over 30 days due. I have no way to dispute this charge, It was supposed to include wear and tear and lease end fee. I am astounded that XXXX XXXX  makes such mistakes, and holds itself holier than though. 
As a customer I am at a loss of words as to how the Compliance and Audit departments at XXXX XXXX XXXX   accept this kind of business. 
As a consumer, I have a right to receive a bill, and be given sufficient time to pay this bill. Not having done that, they have used the fair credit reporting tool as a weapon against me, and ask me to pay a price for their blind misdeeds. I have asked for an immediate correction of their misreporting, and I expect a financial adjustment be made to correct the harm done to me.
Product: Mortgage

Seterus has kept providing more and more roadblocks to me being able to call in and do business with them. Now, they will not speak with me and will only transfer me to a XXXX. I do not have a call back phone number and XXXX has never answered her phone when I 've called or been transferred to her. 

In addition, a supervisor named XXXX said that she intends on locking down my account so that I ca n't call in and make payments anymore. She said it 's because I filed a CFPB complaint against their company, which I do n't believe retaliatory behavior is lawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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
Product: Credit reporting or other personal consumer reports

I AM VERY UNSATISFIED WITH TRANSUNION THEY SAY THAT THEY SEND OUT A STATEMENT DO THEY HAVE NOT SENT OUT ONE THEY LIED TO SAY THEY WAS DOING INVESTIGATION ON THE DISPUTES THEY HAVE NOT DONE ANYTHING NO SENSE ANY INFORMATION I HAVE REQUESTED THEY KEPT DENYING MY REQUESTS AND DISPUTES I AM ASKING DID THEY OPEN THIS CASE CONCERNING THE DISPUTES WITH TRANSUNION they said they sent out letter to me they have lied and continuously lying perjury on government document