23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I must thank you for what you are doing. The thing is that I was asked to take a XXXX ( XXXX XXXX  ) to start with my activities in my school. I went to the XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. I showed them the XXXX ID of the insurances ( XXXX, XXXX and XXXX XXXX ) and the " nurse '' told me I didnt need to pay for anything. Then, they asked me to come back on XX/XX/2019 to check my arm. I showed the insurance ID cards once more and the person who saw my arm said I didnt need to pay for anything either. Now, I received a letter saying I need to pay XXXX {$44.00} for them. Im NOT going to pay for anything because after explaining lots of times what happened to the company which brought me as XXXX ( international teacher ) te situation, they told me to contact one of my insurance company whose name is XXXX. The person from XXXX said to me that I needed to ask XXXX XXXX to submit the claim to XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX ). I sent an email to XXXX XXXX on XX/XX/XXXX letting them know how they can submit the claim to XXXX but I keep having this debt. In fact, I have been receiving letters from XXXX XXXX XXXX XXXX telling me about consequences if I dont pay the debt. I feel intimidated and harassed by both XXXX of South Carolina and XXXX XXXX XXXX. When trying to call the XXXX XXXX of South Carolina, you can use more than XXXX minutes of the phone without any answer. They do not take calls. Abusive people!
Product: Debt collection

There account reporting in my credit from LVNV FUNDING ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) this account is fraud, is not mine. Please help me remove it, is affecting my credit records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account number XXXX XXXX  that is on my credit report it's inaccurate last day active for TransUnion it shows XX/XX/2022, for XXXX it's XX/XX/2022, and for XXXX it's XXXX 
therefore this is totally inaccurate and does not need to be on my credit report please delete this immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called multiple times to Synchrony, emailed, etc. During a hard time where our country has been hit with a pandemic, I was advised by a customer service rep at this agent that under the customer assistance plan I was placed on, my credit would not be affected. However, this was not the case and even after writing to the CEO and speaking to customer relations, they are refusing to fix the incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I filed a complaint # XXXX against Experian they have a collection account on my credit report with her been fighting since XXXX of XXXX they had stated to you that it was not on my credit report they sent me a letter with the collection agency not being on the report for the damaging payment history up-to-date like I still have the credit card I ran my credit yesterday they put the account back on my score even worse with payment history like I still have a credit card so they lied they went against the laws of the Fair Acts laws and something needs to be done. They continuously lie and ruin people 's credit is against the law to take something off put something back on need verification notarized and certified sitting at this is officially off my credit report within 10 days because they are liars and criminals
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach, which has led to unauthorized credit inquiries being reported on my credit file. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent inquiry from my credit report. 
Fraudulent Inquiry to Be Deleted : Creditor Name : XXXX XXXX  Date of Inquiry : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX or XXXX of this year 2020, I submitted a dispute letter to XXXX, XXXX, and Equifax about inaccuracies being reported on my credit report. I included identification documents and a utility bill. I also included screenshots of the accounts and highlighted the inaccuracies being reported. I also requested copies of documents for each of the accounts including the Original Contract, Pay Off Disclosure, Interest Rate Disclosure, Balance History, Payment History, and Credit Insurance. On XX/XX/2020 i submitted a 30 Day Demand To Comply Letter. I am asking for the accounts to be deleted from my credit report completely immediately. I have not gotten a response from the company and it is past 30 days. Please help.
Product: Credit card

Recieved a call from a number that later when I tried to call was not in service. Once the number was determined to be not in service I deleted it before I thought to make note of it. Person on the phone told me that someone had used my social security number to try to open a credit card with " Navy Federal Credit '' in the amount of {$7500.00}. When I denied that I had opened a new line of credit with Navy Federal Credit. They said that they would deny the charges and said they were transferring me to your orgazization. Consumer Financial Protection Bureau. The lady I spoke to that was supposedly verified my existing credit cards and said that everything should be find. They gave me a CFPB claim number of XXXX. Being suspicious that it was a scam I call your organization directly after I got off the phone to verify the claim and when it said enter the 14 digit claim number I became concerned and came here to start a new claim just to document what happened in case something comes from this. Concerned I have been the victim of some sort of scam. So far nothing has shown up on my credit report out of the ordinary. Just trying to be proactice and contacting your organization since it was used in the call if it was a scam.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I purchased this vehicle in XXXX. I have made payments for XXXX yrs and due to the interest rate of over XXXX %, my balance owed as of today is over XXXX. My loan amount financed XXXX yrs ago was for XXXX. I pay {$590.00} a month with an additional fee added for online payments to total {$600.00}. have good credit and income now and still CAN NOT get the car refinanced or traded in due to the amount still showing as owed. The car is not worth half of what the financing amount was originally and currently owed. American Credit Acceptance does not refinance and I do not want to extend any payments again because I realize that their practice is not to help me pay off the car but to keep me stuck with paying for this car well after it has XXXX value. It is a XXXX. I just need some assistance on how I can get someone to look into this loan. I feel like they have purposefully set it up for failure and financial struggle.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

on XX/XX/24 I was alerted that a collection was added to my file by an collection agency named XXXX XXXX  XXXX company the original creditor was progressive. I then contacted progressive letting them know that this account is not mine and was opened fraudulently. I was then advised over the phone call to send in a statement with my ID front and back and police report. I sent over everything require and this information is still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$2300.00} You are reporting a deleted information compared to other Credit Bureaus. This account was already deleted from other Credit Bureaus and you have no rights to continue reporting this account. Under the Fair Credit reporting Act, Credit Reporting must be accurate, I need you to report this accounts correctly and accurately. 

XXXX XXXX XXXX XXXX : {$3500.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX XXXX : {$21000.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.
Product: Student loan

In XXXX XXXXXXXX, as student loan payments were to resume, I created an account with EdFinancial - my newly designated student loan servicer. I enrolled in AutoPay through the EdFinancial login providing my checking account information. In my checking account, I see withdrawals for the designated amount in XXXX, XXXX, and XXXX of XXXX. However, logging into my EdFinancial account I do not see these payments being attributed to my loan account. On XX/XX/XXXX I contacted EdFinancial customer support via chat to hopefully resolve this issue. After confirming my identifying information and identifying the issue, the agent 's response was to submit a request to have this issue researched. The agent also requested I submit proof of the transactions in the " Inbox '' of my EdFinancial account. The agent was unable to provide a reference or ID number for this request. The agent was unable to provide a copy of the chat transcript or reference/ID number. The agent was unable to provide identifying name or title for an escalation point. The agent did confirm that delinquency would be reported to the major credit bureaus when the account became 90 days delinquent, and that the account was 16 days from the 90 day point. 

In questioning how my XX/XX/XXXX loan payment should be handled, the agent suggested I enroll in XXXX for a XXXX rate reduction ( I am already enrolled ). This makes me question if the rate being charged to my loan reflects the rate of being enrolled. 

I am beyond frustrated. If I wasn't paying, they would be bothering me to no end to get their money. They have my money and it is all fine and dandy to just not credit the account, not apply the correct interest rate, and not accurately report to the credit bureaus. This should NOT be acceptable and there should be recourse.
Product: Credit card or prepaid card

I have reached out several times and even included the XXXX and they never could get the to respond including XXXX XXXX XXXX. No one has ever been able to reach anyone or get a response. I have been trying to let the company know that I am unable to work due to medical issues and have been placed on XXXX XXXX XXXX by my work due to my XXXX orders. I was informed by Citizens Bank ( which can not do anything bc the Citizens Pay dept is a separate company they explained ) said they do have some kind of program for people who have this exact issues and can even charge of remaining balance with benefit protection.
Product: Credit reporting or other personal consumer reports

The company listed below appeared on my credit history due fraudulent credit card application being submitted using my name. 3. Company : SYNCBJC PENNEY PLCC My Actions : I've called the number, ( XXXX XXXX ), associated with this company on my XXXX credit report and have also reached out XXXX XXXX as well. I asked the lender to close the application/card to be closed and to have the inquiry removed. I also asked XXXX to also remove the inquiry. They told me report fraud through the FTC and I have done so for the second time. 

Outcome : I will need documentation from Synchrony Bank stating this inquiry doesn't belong to me so I can move forward with XXXX because the inquiry remains on my credit report. The last time I submitted a CFPB complaint, I was sent a PDF document relating to another person and I have attached that as well.
Product: Debt collection

After reviewing my credit profile in XX/XX/XXXX, I identified a discrepancy with the account listed under XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again in XX/XX/XXXX and the account continues to reflect on my credit report. nor has my credit report been updated to reflect that the account is disputed/deleted. I find that the creditor does not have the authorization to access the account nor authorization to attempt to collect on the account and the account continues to NEGATIVELY affect me. Several laws/ codes have been broken as I have all right to protect my personal information. Please REMOVE / DELETE this account effective immediately from all credit bureaus ( XXXX, XXXX, XXXX ) In accordance with the fair credit reporting act XXXX  Account # 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 an 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 purpose. 15 USC 1681B : 15 USC 1681S2 : Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681i ( 7 ) : 15 USC 1681e ( b ) and Cares Act has resulted in an FCRA violation
Product: Credit card or prepaid card

I had a secured credit card with discover. I got switch over to a regular credit card and was due back the money i put down on the secured card. I Have tried several times to get this resolved and nothing has happened. this has been going on since XX/XX/2021. I have perfect credit and never missed a payment. I need Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to manage my credit information that Equifax is holding hostage ever since the breach in 2017. The process is unreasonable and unnecessary. Today, I again attempted to login to Equifax to verify the status of my credit report freeze/lock. Note that I am not able to access my free annual credit report either. I placed a freeze on my account in XX/XX/2017. However, I have not been able to access my account online, and when I attempt to retrieve my password I run into an issue that requires me to phone them directly, despite my providing the verification number they sent to my phone. I have the PIN they provided me at the time I placed the freeze, but without first logging in to my account, I am not prompted to provide it. 

So, I contacted them by phone, and spoke with " XXXX ''. I ran into the same sorts of problems trying to get this resolved over the phone as I did online. At one point XXXX asked me for my full social security number. I chose not to reveal that. They want me to mail them photocopies of my driver 's license or social security card along with other confidential information. I am not comfortable with mailing confidential information of that nature. 

The process is unreasonably burdensome, and I resent having to pay them for their so-called " services '' when the information they are using is MINE, not theirs. They should be paying ME, not the other way around.
Product: Credit reporting or other personal consumer reports

UPON REVIEWING CREDIT REPORT l NOTICED FRADULENT ON CREDIT PROFILE CAN YOU PLEASE REMOVE. THIS IS AFFECTING ME OBTAINING CREDIT AND ETC
Product: Vehicle loan or lease

On XXXX and XX/XX/2019 I had two late payment in my auto loan with toyota credit PR. Before that and until now I have always pay on time and I have been responsible. During that time I had a life changing situation that cost me a lot of money. Before and after that I have always pay on time. This two late payment is affecting my credit score big time. Can you please consider removing both late payment on my auto loan? I Have always been a great customer and I will never pay late ever again. I am working on getting another toyota for my son senior graduation and removing both late payments on my loan will help me get approve. Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for ( XX/XX/2022 & XX/XX/2022 ). Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXXXXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Checking or savings account

I have multiple accounts with Wells Fargo and I have discovered that they have been removing the interest from my account 's. They have been doing this for a few years but I never noticed because it was a very small amount ( 1 or 2 cents ) but now that I have more money with wells fargo these interest payments are upwards of XXXX dollars a month. I have tried contacting them several times and I get the round around. They tell me that the " executive office '' has to resolve this and no one that I can get a hold of can help me. I did receive one call from the " executive office '' and they told me that I signed a paper authorizing wells fargo to remove the interest from my account back in 2011. 
This does not make sense to me and I'm afraid this is an illegal activity and they are using a phony excuse that I singed some paper way back when. I have asked them to stop taking the interest out of my account but to no avail
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 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX XXXX 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Equifax received my certified mail ( XXXX ) asking to investigate and resolve errors in my credit report. 

XXXX reporting a past due balancr of XXXX in a collection which is a Violation to the Law. The answer from Equifax was " validation '' and " updated '' infotmation. 

XXXX XXXX reporting a past due balance in a collection account and again same result as " validate '' or " uodated '' information. 

XXXX XXXX XXXX reporting " 1 month term '' and " open account ''. The answer from Equifax was " updated '' and keep reporting same error. 

Attached in this complaint are screenshots as proof from Equifax showing the " past due balance '' in collection accounts which again is a violation of the federal law and must be removed from my credit report. 

By default a collection account is past due so XXXX is allowing to report accounts to hurt my credit and providing the same violation in writing after their investigation. 

Equifax just ignored my request and sent me back the same information without taking the time to fix the problem.