23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I would like to file a complaint against Pen Fed Credit Union routing number XXXX. 

Pen Fed erroneously reported three thirty-day late credit card payments on my credit report for XXXX, XXXX and XX/XX/2017. I have made over 30 phones calls, multiple online disputes and in person meetings to resolve this situation. 

Because the payments were automatically sent via XXXX auto pay XXXX submitted proof of electronic payment directly to Pen Fed. XXXX even had a least two conference calls with Pen Fed to resolve this matter. 

The systems at XXXX are very automated and they were able to provide proof of payment and transaction IDs. XXXX also confirmed the payments were received by Pen Fed and not rejected. 

Pen Feds research appeared to be very manual. The response from Pen Fed has always been we dont see the payments or we must have sent the payments back. On several occasions I requested electronic documentation from Pen Fed showing that the transaction IDs were rejected, but Pen Fed could never produce documentation. 

It took so long for the issue to come to light because Pen Fed kept accepting the electronic payments. The electronic payments were removed from my account every month. Once Pen Fed received the payments it is their responsibility for misappropriating the payments. 

These were not payments that were mailed and lost in the mail. They were electronic payments that could be tracked by the sending institution XXXX XXXX XXXX. 

I included proof of electronic payment for every payment Pen Fed said they didnt receive. I continued to pay my monthly payments while this situation was being researched by XXXX and Pen Fed. Instead of being a good business partner, Pen Fed kept adding late fees on top of late fees during the investigation. 
Pen Fed never located my payments. I eventually had to file a fraud report with XXXX due to the misappropriation of my payments. 

Even though I repaid the payments ( I had already made ) and the payments were up to date Pen Fed cancelled my credit card while I was still reaching out trying to get my information updated. 

Not only do they have erroneous late payments on my credit report they also have Cancelled by grantor listed for the credit card. This only compounds the negative impact on my credit.
Product: Credit card or prepaid card

On or around XX/XX/XXXX I called them to discuss some late charges- there had been a system outage when I tried to pay my bill and u couldn't access the website portal to pay. They have excessive late fees, that are as much as the outstanding balance. I hadn't used my card in months but had a {$80.00} balance due to multiple late fees ( at least {$57.00} of that was late fees ). During the call they agreed to remove one late fee and I paid the remaining balance ( {$50.00} ). I was told this brought my balance to zero and even called back to confirm because the call got disconnected during the original transaction ( this dropped call issue has happened multiple times as well ). 

Today ( XX/XX/XXXX ) I got an email from them about my current statement, and when I checked it my balance was back up to {$45.00}. I didn't see how that was possible because I haven't used my card since XXXX and again I paid my balance in full on XXXX. Looking at my statement it shows there was still a XXXX balance after I made that payment on XXXX ( there should not have been because I paid the full amount they told me- {$50.00} ). I believe this means they never removed the late fee in addition to the {$50.00}, even though they said they did, which left me with an unpaid balance that then accrued more late fees, unbeknownst to me. I believe they are predatory in the way they charge late fees and make it confusing to simply pay your bill in order to avoid these late fees.
Product: Checking or savings account

Firstly, Ive sent 3 letters to Truist explaining the situation in detail, none of which have been answered. Ive sent teh Consumer Financial Protection Bureau copies as well over a month ago. 
Truist acquired Suntrust where I had an account. I dont use the account often, nor do I reconcile the account monthly, but instead every 4-6 months. I had a no fee, interest bearing checking account. A few months after the Truist acquisition, I noticed they had begun charging a $ XXXX fee. I immediately contacted the bank, was on hold for 30+ mins to speak to someone, who eventually informed me those were the new fees. They said if I didnt agree ( which I was never informed before ) I had to go into the bank to close the account. I went to my local branch and it was closed. There wasnt a branch reasonably close, so I sent them a letter asking them to close. They chose not to close my account despite the letter. Later I started getting dunning notices that the account was overdrawn due to teh $ XXXX fee. Ive written two additional letters to Truist and no reply, for which I have copies. This weekend I was turned down for a credit card, and as I inquired the reason, they said a bank had cancelled a checking account ( Truist )
Product: Credit reporting or other personal consumer reports

So I sent a letter off on XXXX XXXX t remove personal information that I don't not want on my credit report. According to the fair credit reporting act 15 usc 1681. I have the right to privacy also according to 15 usc 6802. No finacial institution is not suppose to share my information to third party people.

THESE ARE CLEAR VIOLATIONS IF MY FEDERALLY PROTECTED RIGHTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, On XX/XX/2021 I submitted a claim with Equifax to advise them they had the incorrect SSN on the website ( Confirmation : XXXX ) on XX/XX/2021 the Claim was " Completed ''. When checking the website it still had the incorrect SSN, so I contacted their offices directly to let them know the issue was not fixed. I was mimicked, laughed at and told I couldn't speak to Manager, the Rep refused to give me his name and he was disrespectful, put me on hold then sent me to a survey line. I then filed another complaint XX/XX/2021 ( Confirmation:XXXX ), it was completed the same day and the SSN was not corrected. I then submitted another claim on XX/XX/2021 ( Confirmation:XXXX ) and contacted the Equifax Offices , again I was mimicked I was laughed at for the issue I was having, was called racial names and hung up on. I have been having the issue since the beginning of September have received multiple letters saying the issue was fixed and it has not. Equifax says they have no records of any of the claims but I have multiple letters they are not assisting. I have filed a complaint with XXXX they have not assisted either. I'm at my wits end, this has been such a challenge. And for the company to be so disrespectful, unwilling to assist, and then to make fun and use racial slurs is very disheartening.
Product: Credit reporting

i been dealing with this company not blocking fraudulent accounts and public records from my file for the past almost 3 years as i been going through identity theft. i have sent them countless numbers of official police reports and i also have attached a copy of my FTC fraud identity affidavit which includes every company that i know of that someone used to steal my identity i cant even move forward in my mortgage process for my family because they are also reporting XXXX public records that was filed in error under my name. It 's XXXX bankruptcies XXXX from XXXX and XXXX from XXXX those need to be removed permanently immediately. i have only filed bankruptcy XXXX time which is in XXXX of XXXX. All these errors on my credit report is stressful and depressing and me and my lawyer is thinking of filing a lawsuit for emotional distress due to all this untrue information on my file. it 's hard to even live or get a job with all this identity theft. I demand that all accounts and public records be blocked immediately or i will proceed with the lawsuit against this company in the amount of XXXX XXXX dollars. i have disputed all these items several times and nothing has been done. I have never had a phone account with XXXX never filed bankruptcy in XXXX or XXXX those are filed in error under my name. i have attached a copy of all the information that this company asked for and told me that all this information including the public records would be blocked. I do n't see how they are investigating these items when the companies that im disputing are sending me letters saying they are removing these items but this company still wo n't update my report and let me live a regular life it 's very frustrating and they are breaking federal laws in the process while hurting me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to vehemently dispute the charged-off account and inaccurate reporting associated with the above-referenced account number XXXX, as reported by JPMCB CARD. Upon reviewing my credit report, I discovered that the account was reported as charged off, which needs to be corrected. 


It should be noted that the account in question was included in a XXXX  XXXX bankruptcy filing ; however, the focus of this dispute is not related to the bankruptcy itself. 


I vehemently dispute the accuracy of the charged-off account and assert that the reporting is fundamentally flawed. 

By taking a write-off for the previous debt, JPMCB CAR Defectively exploits public tax dollars to assist with the write-off. This action constitutes a form of public assistance. Moreover, my requirement to file the discharged debt as income on my tax return falls under the income statute, which should exempt this debt from being reported on my credit report. 


In addition, I have yet to receive Form 1099-C ( Cancellation of Debt ) from JPMCB CARD, which contravenes the Internal Revenue Service ( IRS ) regulations under section 6050P of the Internal Revenue Code. Regardless, I have dutifully filed the discharged debt as income on my tax return, as mandated by the IRS. JPMCB CARD 's failure to provide the 1099-C constitutes a breach of the IRS tax code, and it has come to my attention that you have taken a write-off for the debt in question. 


It is crucial to emphasize that income is not required to be reported on a consumer report under the Fair Credit Reporting Act ( FCRA ). Section 605 ( a ) ( 4 ) of the FCRA explicitly states that consumer reporting agencies may not include any information in a consumer report that pertains to " receipt of public assistance benefits. '' I assert that the income reported on my tax return, which encompasses the discharged debt, qualifies as public assistance benefits and is therefore exempt from reporting on my consumer report. 

I demand that you provide documentation supporting the validity and accuracy of the reported information, including any signed agreements that establish the debt and any other pertinent information. 

I insist that you investigate this matter and verify the following : 1. The accurate reporting of the charged-off account on my credit report, considering that I have filed the discharged debt as income on my tax return despite not receiving a 1099-C from JPMCB CARD 2. The validity of the reporting of the charged-off account. 

Should the investigation reveal inaccuracies in reporting the charged-off account, I expect you to remove the account promptly. 

I request that you provide me with the 1099-C you neglected to issue, as required by the IRS regulations XXXX 

I demand that you respond to this dispute within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). Failure to comply may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

I await your prompt attention to this matter.
Product: Debt collection

I sent a certified letter asking this company to remove this unverified debt and they have not responded it has been over 30 days.
Product: Debt collection

I receive notification from my identity theft protection account that a new account was open under my name. I researched what the account was there was no account number so I contact the company, XXXX XXXX  XXXX, by written form via the United States Postal Service seeking information. Not only did the Collection agency disregard my second letter but blatantly refused to stop all efforts and remove this an accurate information from my credit report. I have now stated to them twice via writing that the information that they have is false or in accurate. I did not know, I did not give permission for somebody to use my own personal information to open an account. I was not aware of this account existed. I follow the process set up by the United States government yet this entity feels they are above the law. 

I hereby come to you today to hold this company accountable and audit their record management keeping and their processes and hold him legally responsible if they have violated additional laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX I XXXX Balance : {$300.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

i am disputing the accuracy of an entry of my credit report from bridgecrest. While my car loan was financed through XXXX, the loan service XXXX  has been reporting to the credit bureaus however XXXX  is not authorized, as per loan agreement with XXXX, to report this information to the credit bureaus. 
Details 1. XXXX is reporting my loan payments to the credit bureaus but they are not listed in my contract with XXXX  as the authorized servicer. 
2. I have contacted the credit bureaus previously but there has been no clear resolution regarding their reporting practices. 
3. I believe XXXX  is reporting Inaccurately or without the appropriate legal authority.
Product: Debt collection

XXXX is the total amount of debt claimed to be owed to Midland credit for XXXX  XXXX. legal account collections number is XXXX on their website. On XXXX XXXX I entered a payment plan via their website after learning that they were suing me by searching my name on the county court website. I was told that they would dismiss lawsuit after I entered payment plan for old debt ( not verified ), and they still have not dismissed it although I have made payments on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXX XXXX XXXX  ( the company i paid ) and they said that the original creditor ( XXXX XXXX is reporting the account incorrectly ) and that i need to contact them. the response i received from comenity bank is that i need to contact XXXX XXXX  in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I'm including it again. 
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

XX/XX/XXXX, XXXX date I requested my reports from each bureau. 

I requested my credit report from XXXX, Experian, and XXXX and I noticed that there were several misspellings of my name, non-mailable addresses, non-working phone numbers, and variations of my employer and position, as well as hire date. I called each bureau on XX/XX/2023 and asked for this information to be removed. None of the mentioned bureaus have removed any of the incorrect information as of XX/XX/2023. 
I have been denied credit due to the lender not being able to identify me due to the incorrect information in my credit file.
Product: Debt collection

3rd party debt collector " Diversified Consultants '' contacted me at work on Wednesday, XXXX XXXX, at XXXX XXXX. I spoke briefly with them and told them they were welcome to contact me, but NOT between the hours of XXXX XXXX to XXXX XXXX M-F because I am at work. 

Diversified Consultants ignored this request and called me again at work on Friday, XXXX XXXX at XXXX XXXX. 

They were attempting to collect a debt on behalf of XXXX XXXX XXXX that I have already paid.
Product: Debt collection

On XX/XX/2024 I contacted Ability Recovery Services and XXXX XXXX XXXX XXXX. 
I requested that this account be deleted or updated to correct the information. I have not received no response from neither of the two.
Product: Credit card or prepaid card

I got a care credit loan thru Synchrony bank at my dentists office. I was told I wouldnt have interest for 18 months as long as I made the minimum payments. I actually called them I day I got approved to sent up auto payment to pay off the amount by the end of the 18 months. I then was met with an email 18 month later saying I had {$1500.00} sent in interest. I then found out that they sent my auto pay to the minimum instead of the amount I asked for. I know o should have been checking but I was 3 month postpartum and set it up so I didnt have to worry about it. On top of that I found out they we charging me $ XXXX {$70.00} a month of a card security fee that I didnt sign up for and I was not informed about. They claim it was a voluntary charge but I didnt volunteer for it. They only refund some of the charges amounting in {$610.00} refunding to me but they are still trying to over charge me {$350.00} to pay off before they permanently add the {$1500.00} to my account. I have talked to them numerous times even doing the basic math over the phone with them but they are refusing to listen to there own statement balances. On top of that I cant even get a copy of the last 18 months of statements that only show the last 12 statements so I dont even now if my refund of {$610.00} is correct cause by the collections of just the last 12 month they would owe me {$550.00} so add another 6 months and it should be around {$900.00} not {$610.00} but I can even verify because I cant see my statements. I have tried to be civil but they refuse to even try to listen to the fact that they messed up and are trying to charge me an addition {$350.00} minimum.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Ive been disputing this Department of Education balance for months. The issue stems from my XXXX XXXX and XXXX XXXX disbursements through XXXX XXXX and XXXX XXXX, and its been a mess. 

For the XXXX XXXX XXXX term, I was awarded a XXXX XXXX of {$5800.00}. However, the school only paid me {$3400.00} via XXXX XXXX depositsleaving me short {$2300.00}. 

Despite this, XXXX reported to the Department of Education that they paid me the full {$5900.00}, which is both inaccurate and {$100.00} more than my actual award. This discrepancy is the root of the problem : theyre claiming I was overpaid by {$100.00}, when in reality, they still owe me {$2300.00} from the XXXX XXXX XXXX 

The Department of Education has since reported this alleged {$100.00} overpayment to credit agencies, sending it to collections during XXXX relief and damaging my credit for years. But the facts dont add up. Statements from XXXX XXXX will show exactly what I received : {$3400.00} in deposits, not the {$5900.00} theyve reported. This false reporting continues to haunt me. 

On top of that, XXXX XXXX still owes me {$1000.00} from a disbursement dated XX/XX/year>. They never sent me a check or a new card because XXXX told them I was no longer a XXXX So, between the {$2300.00} unpaid from my XXXX XXXX and the {$1000.00} unpaid or reimbursed from XXXX XXXX, XXXX owed a total of {$3300.00}. 

Now, lets look at my XXXX XXXX with XXXX, which totals $ XXXX amount is correct. If you subtract the {$3300.00} XXXX owed from the XXXX XXXX and XXXX issues, that leaves a difference of {$130.00} ( {$3400.00} - {$3300.00} = {$130.00} ). Ive already paid {$550.00} toward the XXXX XXXX, so if you subtract the {$130.00} from my payments, they actually owe me {$410.00} ( {$550.00} - {$130.00} = {$410.00} ) in overpayments on the loan. 

To sum it up : not only do they owe me money, but theyve trashed my credit over a supposed {$100.00} XXXX XXXX overpayment that never happened. The XXXX XXXX should be paid off in full. Their reporting is inaccurate, and Im stuck dealing with the fallout. I have proof of the deposits and statements to back this upthey need to fix this and make it right and remove it from my credit reports immediately. 

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

I have contacted this company for so many times, I sent letters so many times as well, requesting to have my credit report corrected and verified but until now no further actions were taken. There are so many accounts where are reporting incorrectly and no proof.
Product: Debt collection

Company is reporting a debt that does not belong to me that was open on XX/XX/XXXX on all 3 of my credit reports XXXX, XXXX and XXXX. I called the company 2 times about the account and got no help. I called this company XX/XX/XXXX and again XX/XX/XXXX. I called and requested the original contract bearing my signature verifying that this is my account and as of today I have not received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XX/XX/XXXX Account # : XXXX accordance with the Fair Credit Reporting act 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: Credit reporting, credit repair services, or other personal consumer reports

Every month in XXXX, even after a federal lawsuit on XX/XX/XXXX, XXXX is willfully reporting wrong student loan balance to ( 1 ) TransUnion ( 2 ) XXXX ( 3 ) XXXX