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

On XX/XX/2020 I sent a letter along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX  XXXX XXXX XXXX {$3700.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00} ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the account ( s ) until I pulled my credit reports for review. I've asked this credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, the item is still reporting, affecting my credit. It would be of great pleasure if CFPB would assist me in resolve of this matter. Thanks.
Product: Credit reporting or other personal consumer reports

PREMIER Reported : XX/XX/XXXX Overview You're currently using 148 % of your account 's limit. 
Balance : {$730.00} Credit limit : {$500.00} Payment history No history is available. 
Monthly Payment Amount {$0.00} Current Payment Status Collection/C harge-off Amount Past Due {$730.00} @ 25 % 0 XXXX XXXX {$730.00} Closed Account details Account Number Account Status Open Date Last Activity Type Responsibility Remarks Times XX/XX/XXXX Days Late Months Reviewed Term Source Type High Balance High Credit XXXX XXX Charge Off XX/XX/XXXX XX/XX/XXXX Credit Card Individual Profit And Loss Writeoff XXXX {$730.00} {$500.00} Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$530.00} Closed Overview You're currently using 179 % of your account 's limit. 
Account details Account Number XXXX XXX Balance : {$530.00} Credit limit : {$300.00} Account Status Charge Off Open Date XX/XX/XXXX Payment history No history is available. 
Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Monthly Payment Amount {$0.00} 0 Remarks Profit And Loss Writeoff Current Payment Status Collection/C harge-off Times XX/XX/XXXX Days Late XXXX Amount Past Due {$530.00} Months Reviewed Term Source Type High Balance {$530.00} High Credit {$300.00} Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I received notifications from Experian, XXXX and XXXX regarding Collections, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  were added to my account that I have no knowledge of and never received any Debt Collection Notice or correspondence from said debt collector. I asked that the collections be removed since by law the Debt Collectors did not notify me of any debts and did not give me the opportunity to request a Debt Validation Letter to dispute the debts. 
The FDCPA requires collection agencies to give consumers specific information in its first communication, which is generally called a " debt validation notice, '' including : the amount of the debt, the name of the creditor to whom the debt is currently owed a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, a statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( 15 U.S.C. 1692g ( a ) ). 
If the initial communication doesn't contain this information, by law, the agency has five days from the initial contact to provide it to the consumer. ( 15 U.S.C. 1692g ( a ) ). ( The " initial communication '' is the first time a debt collector conveys info, directly or indirectly, about a debt to a consumer. But it doesn't include legal pleadings, including bankruptcy proof of claims, limited content messages, and certain legally required notices. ) I never received a Debit Validation Notice from any of this collection companies which is a violation of the FDCPA. 

Also, XXXX is no longer allowed to service federal student loans, yet the lender remains on my credit report and should be removed. 

XXXX is reporting XXXX Funding as a debt collector, I am in litigation with XXXX funding and have requested that this collection be removed since I have legal representation fighting for me and the validity of this debt. Every bureau has removed XXXX funding except XXXX.
Product: Student loan

I received a loan through navient in 2015 XXXX university chose this lender without giving me the option or any information about interest rates or payment plans, and then informed me i would receive XXXX through navient and the remaining costs would be tacked onto my parents loans. 6 months later navient said I only had XXXX in loans through them and I owed XXXX XXXX. They are currently both in class action law suits
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 tried to buy a car but every time the dealership checked my credit, they got a XXXX so when I called XXXX, they said my credit was XXXX. When checking my credit, I got XXXX, I even got a report from " https : //www.annualcreditreport.com/ XXXX' that my credit is XXXX. 

So, this morning I saw this on the news. Https : XXXX that " XXXX miscalculated the credit scores of thousands of consumers. Some people may have received a different credit decision due to the coding error. 

please i am an active member i am buying this car i can't qualify.
Product: Credit reporting or other personal consumer reports

I began the sale of my house in XXXX of 2022. We closed on XX/XX/2022. In XXXX, I looked at my credit report and it showed that I had a 30-day late mark on my credit report. XXXX reported my account 30 days late in XXXX of 2022. XXXX reported my account 30 days late in XXXX of 2022 and XXXX reported my account late in XXXX and XXXX of 2022. These late marks on my account are not correct. I called over five times in the last year and a half and each time the company promised to take these derogatory marks off my account and it has not been done. I currently want to buy and home and clean my credit and this company is not helping me at all. The report is showing a false narrative and I need help to make these derogatory marks come off.
Product: Credit card

I was 2 days TWO DAYS late paying a charge of aprox {$150.00} on my Target Red Card. 

The Target company sent me a NEW card with NEW numbers and the payment I sent ( on time ) was returned and did not get credited to the new card number. When I saw this I called Target, got new number and sent payment via my bank account to pay the balance due. Target told me they would happily waive the aprox {$35.00} late fee at that time. To this date they have NOT waived the fee. They are adding a late fee each month and now threatening me with Debt collection for late fees one a XXXX balance account. Target originally was supposed to waive the first late fee when the new card number payment mix up happened. 

I have spoken to Target MANY times about this and I am done trying to deal with them. They are now having people call me and harass me through collection agencies. I 'm pretty sure it 's illegal ( or it should be ) to keep adding late fees on XXXX balances and trying to collect them. 

If it was my fault that the payment was late I would have paid it- Please contact them and clear this up for me. They owe ME money for time and stress and harassment. You are welcome to check my credit information for ALL my accounts that you will see are paid on time. Thank you. XXXX XXXX
Product: Vehicle loan or lease

I went to  Wells Fargo t o refinance my car loan, and found out my interest rate was higher than when I purchased the car also I 'm randomly paying more. Originally I was paying  XXXX  dollars at  5.97 pe rcent. Now it 's  XXXX  at 10.59. And I 've made every monthly payment on time. So they tell me somehow back when I got the loan. The girl workingvat the time did n't p ut Wells Fargo  at the lean holder but myself in the cars title. So somehow that is my fault and I believe that 's illegal to do because they never informed me of what happened and just raised my rate and took more money out of my account. So I 'd like to know if  Wells Fargo is at  fault. Cause I was expecting to get a lower rate not  a higher one after one yea r.
Product: Checking or savings account

On XX/XX/2020 I withdrew a {$100.00} from Bank of America atm my balance in my BofA checking account which I receive my CA State XXXX payments was {$4300.00}. There were two online debits I made one for {$25.00} to XXXX XXXX XXXX and another for {$100.00} to XXXX  prior to my account being frozen. On XX/XX/2020 I went to Bank of America atm to withdraw funds and the machine kept rejecting my card I called customer service at XXXX on the back of my atm debit card to inquire why my atm card kept getting rejected I was advised by Bank of America customer service that EDD notofied them to close my EDD account due to fraud and the representative said I needed to contact EDD. Once I hung up the phone with BofA customer service I immediately contacted EDD it became a arduous task neither company was willing to work with me on why my account was closed due to fraud. On XX/XX/2020 my BofA debit card was unfrozen and I was missing {$2600.00}. I've made multiple calls, filed multiple claims neither agency was concerned about my dilema which involved my missing funds. I walked into the BofA branch office on XX/XX/2020 @ XXXX XXXX and spoke to the Assistant Vice President XXXX XXXX XXXX XXXX who stated their was nothing he could do. At this point from the closure of my BofA account on XX/XX/2020 to current I still haven't received my missing funds of {$2600.00} this has been a nightmare and hardship for me and my XXXX year old son while I'm XXXX. That's my only source of income to pay my rent. I pray I can get help regarding this matter it's already been prolonged enough and I feel like I shouldn't have to fight for my own money.
Product: Debt collection

In accordance with the Fair Credit Reporting Act ( FCRA ), a fundamental legislative framework established to protect the rights of American consumers with regard to credit reporting, I hereby initiate a formal dispute concerning the following account : Account Details : Account Name : CITICARDS CBNA Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have identified discrepancies and concerns related to the status of this account. Specifically, the reported " Not more than two payments past due '' status and associated late payments inaccurately represent my understanding of the account 's payment history. Furthermore, the reported balance and past due amount appear inconsistent with my knowledge of the account 's financial activity. 

I wish to emphasize the significance of the FCRA, particularly the following sections : 15 U.S.C 1681 Section 602 A : This section underscores my right to privacy and the importance of accurate credit reporting.

15 U.S.C 1681 Section 604 A Section 2 : This provision establishes that a consumer reporting agency can not furnish an account without obtaining my written instructions.

15 U.S.C 1692C : This clause emphasizes the requirement of my prior consent for any communication from a debt collector. 
In light of these legal mandates and the disparities noted in the account reporting, I formally request a thorough investigation into this matter. I expect XXXX to diligently address the discrepancies, rectify the inaccuracies, and ensure the reporting aligns with the principles stipulated in the FCRA. 

Furthermore, I assert my right to cease all communication tactics related to this account. I anticipate no further communication attempts from any parties involved, including debt collectors.

Your swift attention to and resolution of this dispute are greatly valued. I anticipate your dedicated efforts in addressing this matter and upholding accurate and equitable credit reporting. Thank you for your cooperation and commitment to the fundamental tenets of the FCRA.
Product: Credit card or prepaid card

Last year Citibank was required to provide a refund to customers due to overcharging on credit card interest. I waited for this refund to arrive in the mail. In XXXX I was notified that an attempt had been made to mail the refund check, in the amount of {$1100.00}, to my address, without success. This notification reached me by mail, but apparently a check to the same address did not reach me. I called the number in this notification. After being transferred between a number of people, I was finally told a check would be re-issued to me, to be patient and wait 40 days. When that check did not arrive, I called again. I was transferred around between at least eight people, spending more than an hour on the phone. In that call I was told the refund check had spoiled and the money reverted from the refund company back to Citibank - in XXXX, 2019. I was told the money had then been credited to my now closed ( and inaccessible ) credit card account ( who would want an account here? ). I requested that one or the other of the companies send the money to me right away. Finally, a customer service rep guaranteed me that she would take care of sending a check to me and guaranteed it would arrive no later than XX/XX/2019. It has not. Each person I have spoken to apparently has simply lied about sending out a check, probably saying so only to get me off the phone. I believe the 'refund ' idea is a scam. If it is real, then I would like the money owed me, plus interest sent immediately ( since it is more than a year overdue ). I have attached the Notice from Citibank which includes my phone call notes. Can you please help me to resolve this matter? Thank you.
Product: Debt collection

I signed up for an XXXX account and agreed to " free magazines '' for 3 months being told i would be sent a card to cancel if i wished so i would not need to pay after a 3 month trial. I did not receive the card. I paid the dues and ordered XXXX more item then once i paid for my item i realized i was being charged about XXXX-XXXX dollars every month. Since I have n't had to deal with that before i paid until i finally was able to get a friend to explain to me what and why it was happening. So I called and cancelled my XXXX account. Thinking that would take care of it i did not expect another bill the next month from XXXX. So i contacted them again and was told i had to contact the magazine department. I did that and was told I HAD to pay until I demanded to speak to a manager. At that time I was told my subscriptions where canceled and my account was credited and I OWED NOTHING MORE. I received magazines again this last month. This last month I received another bill for about {$50.00}. I just spoke with XXXX and they say it has to be paid because its a late fee. I have been receiving 3-5 calls a day from XXXX Comenity Bank who uses and unavailable number and feel harassed. Canceling all this has been a 5 month process. One company I will NEVER buy from again!
Product: Vehicle loan or lease

I called Ally Auto around XX/XX/XXXX and spoke with an agent about creating a deferment since I lost my income but have another job Im about to start. He told me that I would have a payment due XX/XX/30 of XXXX and then XX/XX/30 XXXX. He then told me to try to make a payment within ten days of XXXX. I told him I probably wouldnt be able to make the payment, but asked if it would affect my agreement if I couldnt. He said no thats fine. I then received a letter in the mail stating my agreement was canceled because they didnt receive the XXXX. So I called and told the agent that I had spoken to someone and they said it was fine if I didnt make the XXXX payment. The new agent told me that was incorrect and the first payment wouldve been required. 
I asked them to listen to the call because an agreement was made on the recorded line and they said they would call me back within 24-48 hours. Instead, I receive ghost calls where they hang up as soon as I answer. Ive sat on hold for hours but only get agents that seem to not be able to hear me or just hang up. Ive tried numerous times to handle this matter with the company directly.
Product: Checking or savings account

I recently filled out an application for a Wells Fargo bank account and was prompted I needed to go into a branch and that they were unable to open my account at the moment. 

I received a notification about a week later on my credit report that a bank account was opened by Wells Fargo under my SSN. 

These violations constitutes as unauthorized use as well as discrimination.
Product: Debt collection

SOUTHWEST CREDIT SYSTEM LOCATED AT : XXXX XXXX XXXX, XXXX, TX XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$500.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS DUPLICATING THE FOLLOWING ACCOUNTS XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are listed multiple times thus keeping my fico/score from increasing. XXXX is not removing all the duplicates which indicates a deliberate hold to keep a person of XXXX like myself from getting a financial break from a lender. This is discriminatory and I have ask for CFBS to help. THIS PRACTICE MUST STOP. XXXX IS GETTNG PAID TO KEEP THE DUPLICATES ON THE NEGATIVE SCARE.
Product: Student loan

This is my second complaint about ECMC. I just received an arrogant and not factual letter from ECMC stating that they did not have my updated information which was their reasoning for me not receiving communication from them, which in turn provoked them to garnish my wages. I just located my XXXX tax document from them which clearly had my current address. There was no reason to send any document to XXXX which is what was stated. It is very upsetting that these companies like XXXX as well are allow to get away with this type of action. How can companies treat people trying to better their lives this way. I did not receive one bill, communication, or information about what was owed, yet they are allowed to make damaging reports on a credit report and garnish wages. It is just not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint CFPB! I replied to lvnv/resurgent via email regarding an account they said I owed. In my email response I asked the company to send me verification of the said debt and I never received anything from them. I had a cfpb case regarding this issue in which the company responded stating the account had been sent back to the original creditor. I called lvnv/resurgent on the same day that I received their response to my cfpb report and a rep stated that the account would be deleted from my consumer reports however that has not happened to this day. Obviously the company was not able to verify the said debt so why has it not been deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting that my payment for a HELOC account with my local Credit Union is 60-89 days late. There is a {$0.00} balance on this account, meaning that I owe no money, and I have never missed or been late for even one payment. This is reflected in correctly Transunion 's own " Payment History '' of the account, yet they have it flagged as 60-89 days late for a payment that is not due because the balance is entirely paid off. I opened a case with them, that they then closed and did not correct the error. 

NOTE : none of the other bureaus are having trouble reporting correctly on this account.
Product: Credit reporting or other personal consumer reports

I hope this message reaches you in excellent condition I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlines I 15 U.S CODE 1666 ( B ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligator or a credit issued to the obligor on a statement.

( 5 ) A compilation error or similar accounting error made by the creditor on a statement It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to be render any ramifications of late payments regarding the linked accounts. Am in pursuit of concrete evidence from the creditors bank records that will support the assertion I failed to make a payment, resulting in an erroneous designation as late- a sign of an invoicing error- therefore. 
I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follow : paid as agreed.

Also as you can see in the picture below there are multiple errors which is a violations all 3 creditors has to report the same thing therefore my credit need to be updated