23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was working in a temporary job and did n't have the funds to pay my student loans. So I ended up defaulting. Almost 3 years ago My XXXX XXXX private students were submitted to XXXX XXXX . I entered into a payment plan with them including paying an upfront fee of {$1000.00} to enter a reduced interest program. I was allowed to pay approx {$180.00} a month and was told after 3 months I would be reduced down to a .01 % interest rate. As I was noticing this never got fixed I began to ask questions. I finally got them to agree that it had been fixed with this month ( XXXX ) my payment was not removed and I received a default notice from Navient. They stated they did not like the terms of my agreement and the removed it from their hands and revoked my payment plan. Now they are demanding money down to start me on a new plan and tell me that I will have to pay more than the amount originally paying. I can not imagine that this is a legal move on their part. I had agreements and paid continuously and on time for 2.5 years. They are once again trying to XXXX those working to try and pay off their debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was promised by XXXX XXXX that the account would be deleted from my credit report. When I called experian they told me that it would be removed then I was later told that it would remain for up to 5 years. I have provide a copy of the letter XXXX  promising to delete the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 an open end consumer credit plan as late for a purpose. 
XXXX XXXX
Product: Credit card

On XX/XX/2017 I visited XXXX XXXX at XXXX XXXX XXXX, XXXX, CA XXXX. Before treatment began, they offered to run my credit to see how much I would be eligible for if I needed credit to cover any costs. They told me I was eligible for a {$5000.00} line of credit to be used towards any work needed. I received some minor work from them that I paid out of pocket for ( {$390.00} ). I told them I was not interested in using their line of credit and had no need for it. Approximately one week after this visit, I received a CareCredit card in the mail with a line of credit of {$5000.00} that can be used at XXXX XXXX and other affiliates. The card is unsolicited, but appears on my credit report. I called the issuing bank ( XXXX, Florida ) and they said they would conduct a fraud investigation.
Product: Mortgage

Chase Home Mortgage My mortgage was sold to Chase in XXXX of of 2018. It was set up with an escrow account and I am on time with my payments. I received a tax bill on my home in XXXX, 2018 and paid the tax bill on XX/XX/18. The check posted on XX/XX/18. I realized that I should not have paid the tax bill directly, that the payment would be made through the escrow account, and I called the tax office and asked the check to be returned. They received the duplicate payment from the escrow account but they returned my personal funds to Chase. Chase held back {$3000.00} and refuses to return my funds, saying they have a policy to keep a reserve of {$3000.00} in the escrow account. 

These funds were my personal funds that were duplicated by mistake to the county tax office, should not have been returned to Chase, and should not have been received by them, much less kept by them and not released to me. If they have a policy of holding additional reserves for escrow they should follow that policy and communicate with their clients not confiscate funds that were mistakenly sent to them. They refuse to release the funds back to me that were duplicated to the tax office and mistakenly returned to them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Complaint : Incorrect Reporting of Business Credit Card on Personal Credit Report Dear XXXX XXXX Department, I hope this message finds you well. I am writing to formally express my deep disappointment and urgent need for immediate resolution concerning an issue with the reporting of my XXXX XXXX Credit Card. 

I have held this business credit card for more than XXXX years, maintaining good standing throughout this period. Until recently, this account was solely associated with my business credit, as per the original terms and conditions. However, I was shocked to discover that this business credit card has inexplicably appeared on my personal credit report, jeopardizing my current attempt to purchase a home for my family. 

This incident has caused significant stress, contributing to a state of deep XXXX, as I was in escrow for the acquisition of a house when this error occurred. My mortgage lender flagged this unexpected presence of my business credit card on my personal report, bringing the home-buying process to a sudden halt. 

Upon discovering this misleading report, I contacted your credit reporting department and spoke with a supervisor who identified it as a " glitch in the system. '' While I appreciated the acknowledgment of an error, this explanation does not rectify the urgent situation I face. 

Under the Fair Credit Reporting Act ( FCRA ), and specifically pursuant to 15 U.S. Code 1681 ( a ), I understand that information furnished and reported must be accurate and reflect the proper account associations. Given this regulation, I insist that this business credit card be removed immediately from my personal credit report. 

This incorrect reporting must be corrected as swiftly as possible to allow me to continue the process of purchasing my home. The repercussions of this error are significantnot only financially but emotionally and personally for my family and I. 

I kindly request an immediate investigation and to be informed in writing about how you plan to address this issue and prevent future occurrences. If necessary, please treat this as a formal dispute of the information reported to credit bureaus. 

Thank you for your immediate attention to this urgent matter. I trust that XXXX will address this promptly to restore both my personal credit report 's accuracy and my trust in your institution. 

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

went to buy a new car and the dealer sent to different banks for loans we didnt know about and affected our credit report didnt give them permission or they never told us going to do this
Product: Credit card

I originally opened a CareCredit account in XX/XX/XXXX. After a period of inactivity, I reapplied for credit through a medical provider in XX/XX/XXXX to finance a procedure. At the time, I was offered a XXXX no-interest promotional plan, which I accepted. Automatic payments were set up to ensure the balance was paid in full within the promotional period. 

In XX/XX/XXXX, I discovered that payments were still being withdrawn from my bank account, despite my understanding that the procedure should have been fully paid off over a year ago. Upon review, I found that I had been paying for a Card Security service rather than the procedure balance. I did not authorize or enroll in this service, and it was never disclosed to me by the medical provider or Synchrony Card Services at the time of the application.

I contacted Synchrony Card Services to address this matter and explained that these charges constitute deceptive and predatory practices. Specifically : 1. Unauthorized Enrollment : I did not authorize the addition of the Card Security service, nor was I informed of its inclusion at any point. Billing for a service without explicit consent violates the Truth in Lending Act ( TILA ) and other federal consumer protection laws. 
XXXX. Deceptive Billing : The lack of transparency and failure to disclose these charges constitutes an unfair and deceptive act under federal regulations. 
XXXX. Failure to Provide Documentation : Despite my request, Synchrony has failed to provide documentation showing that I agreed to these charges or authorized enrollment in the Card Security service. 

Synchrony has attempted to justify the charges by citing a 90-day policy. This policy is irrelevant in my case, as the account was reactivated through a new application with the medical provider nearly two years after it was initially opened. Applying this policy to justify unauthorized charges is both unreasonable and unjust. 

I declined the courtesy adjustment offered by Synchrony because this issue is not about a goodwill gesture but about addressing unethical and potentially unlawful practices.
Product: Debt collection

Csr told me they couldn't find my account in system they then transferred me over to someone, she Mrs XXXX took my card number and didn't give me any confirmation number for payment she told me she had to Wright down my credit card numbers for payment for the book keeper to process she never told me she was weighting down my number before doing so, I told her she shouldn't be weighting down card numbers she said process time is 8 to 4 I didn't appreciate her weighting down my card numbers on paper to process later
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, transunion, XXXX letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. XXXX, transunion, XXXX failed to remove or verify the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, transunion, XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that XXXX, transunion, XXXX have on file for the account listed below.. It has been more than 30 days and XXXX, transunion, XXXX have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX, transunion, XXXX must remove the accounts and billing errors listed listed below. 

1. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX  XXXX XXXX Account number XXXX 2. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX Account number XXXX 3. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX Account number : XXXX 4. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX  XXXX 5. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX XXXX 6. The following account is reporting late and ive never been late, this inaccurate billing error has not been verified and you also havent responded in 30 days please remove late payments XXXX XXXX / XXXX XXXX Account number XXXX 7. The following account is reporting late and ive never been late, this inaccurate billing error has not been verified and you also havent responded in 30 days please remove late payments XXXX XXXX XXXX Account number XXXXXXXX XXXXThe following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX XXXX Account number XXXX
Product: Debt collection

The company keeps reaging the account on my credit report. 
Please remove convergent isnt bonded to collect in Texas
Product: Credit card or prepaid card

I received a letter regarding an application for an XXXX XXXX XXXX XXXX ( letter attached ). My former address is on the letter. I did not submit an application of any credit card from Bank of America. I did contact Bank of America in writing ( USPS ) to advise that this is a fraudulent application.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Bank account or service

I communicated with my credit card company on numerous occasions to resolve a claim and implement the recovery for {$2500.00}. I provided them with answers to every question they had, they simply refuse to help me, and I am at my wits end here. I have told them the assets were taken under false pretense and misleading sales tactics and marketing, I have advised them that this charge is fraudulent in it 's original intents, yet still nothing. I have constantly advised them that XXXX XXXX did not provide the services that were anticipated, which is why I 'm eligible for my refund. I can not afford to give away any more of my money. Please speak to them on my behalf. They have not considered the matter at all.
Product: Debt collection

I am an XXXX service member who recently applied for a home loan. When I received my credit report from my loan officer, I noticed there was a collection account listed from a company called NCEP , LLC. Reporting date was XXXX saying the original creditor was a company called XXXX with an account open date of XXXX have never done any business with a company called XXXX or NCEP , LLC so this debt needs to be verified ASAP. I sent XXXX letters, via XXXX to the address listed for NV. XXXX letter was return to sender, and the other, I was never contacted back. 30 days go by, I still have no information on this debt, however I realized that on my credit report the account number XXXX was the same listed for a XXXX XXXX XXXX account that was listed as charged off w/ a balance of XXXX XXXX acct XXXX is an account of mine, HOWEVER this account IS being paid on and should NOT be listed as charged off. I have been paying on this account through a XXXX party agency called XXXX XXXX. I contacted XXXX XXXX XXXX to get more information, they were not able to provide me with any information or any type of documentation of my debt/account, its status and what they 've done with my account/ and or payments. I was never contacted about a charge off/ and or a hand-off to another company. I made contact with NCEP , LLC who was very stern with me when I was just trying to get information and to come up with a solution. The clerk on the phone would not provide me with any information about the hand off from XXXX XXXX XXXX to shoppers to now NCEP. I told him that the information being reported was incorrect and that I am currently paying on the account through XXXX XXXX, and have documentation to prove such. He said that even with that documentation it would n't suffice in updating my balance, saying that they have had the account for some time now and it shows no activity. I got off the phone with this clerk because he was rude and overwhelming. I submitted this same statement throught XXXX and received a response of " Please be advised that NCEP , LLC ( " NCEP '' ) is the owner of the subject XXXX XXXX XXXX XXXX XXXX XXXX credit card ( account number ending in XXXX ). Since acquiring the account in XX/XX/XXXX NCEP has received XXXX ( XXXX ) {$68.00} payments for a total of {$470.00}, with the last payment being made on or about XX/XX/XXXX. Since that time, no payments have been received by NCEP. NCEP respects our military members and, as a courtesy to the consumer, will agree to permanently close the account and cease all collection efforts. " However I am not satisfied with this response because {$1500.00} is still un accounted for. what they are reporting is not accurate and I have proof of XXXX cleared payments of XXXX {$.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These lenders have accessed your credit file : XXXX  XXXX/XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX These lenders have accessed your credit file : EXPERIAN EXPERIAN BUSINESS CRED Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN BUSINESS CRED Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously use XXXX XXXX XXXX in NJ. On XXXX, 2022 my lease expires and I move to MA XXXX I previously call XXXX to close my account on XXXX but they didn't close my account until XXXX and charged me for the entire month. I have called XXXX to close that account but they still keep charging me {$59.00} which equals the amount of the entire month. Regardless, According to XXXX XXXX. Code XXXX, they must pro-rate the last month of the bill if it enters another billing period. I have called XXXX XXXX to settle down the account for {$30.00} but never get at least a {$30.00} refund back. 

Recently I realize XXXX put a record on my credit report that says I have {$59.00} past due. This is not correct and I shouldn't pay for that. This record impacts my credit by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported a late payment for my mortgage back in XXXX 2015. This account has never been late and they have refused to correct the error. I 've been very patient with this matter but i 'm tired of them ignoring to fix the problem and it has affected my credit score in a negative way.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 reporting, credit repair services, or other personal consumer reports

I have asked XXXX, XXXX, and Equifax for proof that this debt belongs to me. I received an XXXX credit report that lists XXXX XXXX XXXX GA XXXX with a zip code of XXXX. I have contacted the XXXX XXXX XXXX and asked them to provide me with verification of this debt belonging to me, they were unable to provide me with any information. I then visited the website and attempted to pull up the case # on my credit report and could not locate anything. I have uploaded the address to the XXXX XXXX XXXX, which has a different zip code than what is listed on my credit report. Please HELP ME!!! My son has XXXX and I am trying to get him into a facility that he can reside in, and this XXXX is hindering me from getting approved. PLEASE ask for verification of this debt belonging to me or remove it from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, XXXX XXXX XXXX, and BLOOM/DSNB. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX   XXXX, and BLOOM/DSNB with no successful resolution. There was definitely an error on their part.