23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I discover a collection from a agency named XXXX on my credit report.I decided to call and they informed me they have bill from 2017 for a medical service but they weren't sure what is it for and what is the date of service, I told them I would like to pay but I never had the opportunity to dispute it or pay before it show 's on my credit, the representative infomred me they mailed a letter to the XXXX XXXX XXXX XXXX XXXX and I correct her because my apartment number is different and there is the reason why I never got a collection notice and had the chance to dispute it or pay it. 
I offered to the representative to pay the bill as long they accept to delete the collection account from my credit, but she refused it. 

When I asked again for the date of service they couldn't even provide it, and they accepted they don't have a copy of the bill they are collecting
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom i t may concern, I have sent correspondence to all three credit bureaus regarding public records ( Tax liens and Bankruptcies ) on my credit report and asked them to permanently remove the information off of my reports because they have it listed as the courts and the record of deeds as th e parties who placed the information in my report and that is inaccurate information, i have correspondence from each stating that they do not report to credit bureaus and it is a violation of the Fair Credit Reporting Act to report false information.
Product: Student loan

My name is XXXX XXXX, my complaint is in regards to the way my loan payments are applied. Navient is the service provider. I currently have 5 student loans with them, all set up on Auto draft payments. In addition to the monthly autodraft I make over payments. I specify which loan each over payment should be applied to. The problem is, every time I make an over payment it automatically advances my due date on that specific loan so that the next ( or several ) regular payments are not made ( other than the interest ). I have called, and Navient apparently has a setting where any over payment will NOT advance the due date. However, 100 % of my overpayments have advanced my due date. I have to call, speak to a representative, and I get the same story 100 % of the time. They see that it shouldnt have, they apologize, tell me they will send in a request to a back office to get the issue resolved. The issue has never been resolved. This has been going on for over a year. My account is setup to not have my due date advanced but it still advances. 

The next complaint I have is in regards to over payment applications that I did NOT specify where the payment should apply. Again, my account setting is to have ANY additional payment applied to the loan with the lowest balance. Again, not a single time has this ever happened. However, the unspecified overpayment gets applied across all loans unless I call to have it reapplied. 


The resolution to the problem will be to have my loan payments apply the correct way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship replied with a full investigation ( letter ) of the auto account but they left out significant and pertinent information to the account but their letter shows they were not timely or truthful about the various other verifications were all lies.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was notified by an experian alert that there was a new account placed on my report that I have not opened I do not have this account I also called the company XXXX on XX/XX/XXXX and directly disputed I was told by the rep that I need to send the dispute to the compliance email to XXXX I filed a dispute with experian on XX/XX/XXXX and I know they have not investigated any of my disputes properly or updated information also continues to display old information and incorrect addresses on my report I have had them removed once and experian placed them back my credit is being harmed and Im suffering from there errors
Product: Credit reporting, credit repair services, or other personal consumer reports

After a recent inquiry about my credit report I noticed that the information on my account was inaccurate, invalidated, and that the agencies were not reporting with 100 % accuracy. This has caused me to have XXXX  XXXX and is affecting my mental well being. 

XXXX XXXX : # XXXX has violated my rights. The Listed account above has flawed information under between XXXX different credit reporting agencies in XXXX, Equifax, and XXXX. First Flaw is the date account opened which differs from the Equifax and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Second Flaw is the number of terms reported on the account which differs from the XXXX and XXXX ( XXXX ) from the Equifax report ( XXXX ). Third Flaw is the payment status report which differs from XXXX and Equifax ( Late 120 Days ) from XXXX ( Late 150 Days ). Fourth Flaw reported was the date of last payment reported which differs from the XXXX and XXXX ( XX/XX/XXXX ) from the Equifax report ( XX/XX/XXXX ). The fifth flaw is the date last active which differs from all three credit agencies XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). The last and final flaw is the date of last payment which differs from XXXX and XXXX ( XX/XX/XXXX ) from Equifax ( XX/XX/XXXX ). 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have tried to communicate to the companies involved through the XXXX  otherwise known as the XXXX XXXX XXXX and I have not received an accurate resolution in regards to my issue and the companies involved are taking extremely long for a resolution as it pertains and negatively affects my mental health, sanity, and well being.

I demand this account be removed off my credit report due to the laws stated above for the inaccuracies, misrepresentation, and questionable items on this credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have told this company multiple times the balances are not mine. I have also asked for documents that show the services or agreement of services, but nothing more than a balanced document comes in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REQUESTED FROM ALL " CRA '' ON ABOUT XX/XX/2021 FOR UPDATE XXXX XXXX XXXX AND ITS BEEN OVER 45 DAYS HAVE NOT RECEIVED ... NOTE : SENT DISPUTE LETTER OF ID FRAUD ACCOUNTS AND UNDERAGE DURING TIME ACCOUNT OPENING ... '' NOT MY ACCOUNTS '' : " XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX ARE VERIFYING A VOID, VOIDABLE, INVALID LOAN. 
THE CALIFORNIA SUPREME COURT ADDRESSED MY LOAN IN ITS CLASS SPECIFICALLY THAT DUE TO THE INTEREST RATE THE LOAN IS ILLEGAL. 
THE CREDITOR IN MY CASE SPECIFICALLY VIOLATED A PERMANENT INJUNCTION AS THEY DID NOT EXPLAIN AND XXXX HOUR PHONE CALL REGARDING THIS @ 100 PER CENT APR LOAN. 
THE CREDIT BUREAUS KEEP VERIFYING A LOAN THAT IS WITHOUT A DOUBT ILLEGAL TO ISSUE BASED ON THE CALIFORNIA SUPREME COURT IN XXXXTHE COURT CALLS THE LOAN UNCONSCIONABLE, SO ONE-SIDED AS TO SHOCK THE CONSCIENCE. 
THE ILLEGAL DOING CREDITOR FOR XXXX ACCOUNT NUMBER XXXXKEEPS BEING ALLOWED OVER AND OVER TO VERIFY THIS LOAN BY XXXX AND EQUIFAX.
Product: Credit reporting

According to the Fair Credit Reporting Act ( FCRA ) the public record ( Dismissed Chapter XXXX Bankruptcy ) was to have been removed from credit file XX/XX/XXXX. EQUIFAX is the only credit bureau who has not complied. Their action continues to have a negative impact on credit scores. 
I continue to dispute EQUIFAX Hard Inquiries. EQUIFAX continue to comment that these hard inquiries are factual records of file access and if I believed these records were unauthorized for me to contact the creditors. I have done this on several occasions. 
Credit files : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/13 I called XXXX  in regards to a reduction of my credit limit from {$1000.00} to {$500.00} after I made a payment of {$700.00}. The company stated that they reduced my limit based on false information provided from creditors. 

XX/XX/13 A payment was made of {$700.00} to lower credit utilization. Immediately after that the credit limit was reduced to {$500.00}. This is impacting me significantly and I need this resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of the Equifax data breech victims ( XXXX XXXX XXXX ). I would like Equifax to be held responsible if my credit or financial state is negatively affected by this case. Please place an initial 90 day fraud alert on my credit file.
Product: Credit card

I had identity theft and I reached out to this company and explained the situation and they asked me to send in documents I sent in everything that was requested plus more to show them this really is not my account. They responded by saying it is my account and XXXX responsible for paying in. I then requested their legal department info and they said they can not give it to me. These types of companies think they can do say whatever they want to us and its ok. Even though there violating my FCRA rights.
Product: Bank account or service

I submitted a complaint to the consumer finance protection bureau on XXXX/XXXX/16 ( complaint number XXXX ). The complaint was regarding airline miles for a checking account sign up bonus through Citi. Citi responded to the complaint on XXXX/XXXX/16. In response to the complaint, Citi agreed to honor the XXXX XXXX XXXX miles that I had been told by their representative I was entitled to. In their response, they indicated I would receive the miles within 60 days. 

It has now been over 60 days, and I still have not received the miles. This was the third time Citi agreed to provide these miles ( initial sign up, as indicated by a representative, and indicated through their complaint response ). It has been over half a year since I was originally supposed to receive the miles. 

Citi did not hold up their agreed upon response to my original complain, so I am opening yet another complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX, opened in XXXX of XXXX. I closed that account in XXXX of XXXX by paying the loan off. Since the loan was paid off, XXXX XXXX or Equifax continued to show the account as open and that payments were being made. Some of the payments listed after the account was closed in XXXX of XXXX showed as late payments. Payments continued to show being made to the account up until XXXX of XXXX. The account was paid in full and closed in XXXX of XXXX. Late payments for this closed account showed for XXXX of XXXX, six months after the account was paid in full, another late payment showed in XXXX of XXXX, two more late payments were reported in XXXX and XXXX of XXXX. I have filed five disputes with Equifax, each dispute was closed and the information remained on the credit report and continued to be inaccurate. I called XXXX XXXX five times, they stated that the account was closed in XXXX of XXXX, they showed the account closed and they stated that they would send a letter to Equifax. All disputes have been closed with both companies and the information remains incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to the XXXX, XXXX, and Transunion Credit Bureaus last XX/XX/XXXX requesting a verification and deletion of information on my credit file which I found to be fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.
Product: Credit reporting or other personal consumer reports

Ive receive several letters stating I have a Synovus checking account and I owe Synovus bank {$170.00}, but Ive never opened a Synovus account. The letters Im receiving are registered under my name and address, but Synovus should not have a copy of any of my information. These letters also threaten to send this account to collections.
Product: Credit card or prepaid card

My cash app card information was stolen by a gas station that had credit card skimmers on their atm I disputed a fraudulent withdrawal of {$200.00} with cash app and they denied it doing no type of investigation
Product: Credit reporting or other personal consumer reports

I see that Experian is reporting US DEPARTMENT OF EDUCATION multiple times on my consumer report and showing my experience with the company. Under the Privacy Act of XXXX it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. Experian is a consumer reporting agency, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Under 15 USC 6802 - Obligations with respect to disclosures of personal information and 12 CFR 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION, I opt out of the US DEPARTMENT OF EDUCATION being reported on my consumer report.
Product: Credit reporting or other personal consumer reports

it has been over 30 days and creditors has not updated the information nor has provided proof of late payment. they have not supplied this information and they must delete it off alleged my credit report under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible.
Product: Mortgage

Shellpoint XXXX Newrez is a successor servicer of my mortgage. They XXXX ( XXXX XXXX ) tried to place insurance on my home despite my having a policy in place at all times. I provided evidence of the same. They then attempted to increase my escrow to cover next year 's insurance on my home without permission or authorization. they are only authorized to escrow for RE taxes. I continued to pay the proper amount due on the XXXX of each month, but they did not apply those payments properly to my account, started charging late fees, falsely accused me of XXXX  for the amounts they did not apply ( but cashed ) and began a series of threatening letters which have required untold hours of my time to attempt to resolve. Most recently they denied my request for a refund of improper late fees and a reduction of the escrow charge to the appropriate amount on the basis that I have been charged late fess in the past XXXX  month. circular logic!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Debt collection

Allied Financial contacted me in an attempt to collect a debt from a neighbor. On XXXX/XXXX/2015 a representative called my home and cell phone. The rep asked for me by name and advised me that I lived in close proximity to someone named XXXX. He then asked if I had seen or spoke to XXXX lately. I advised the rep that I did not know a XXXX and asked how he had obtained my information. He stated that it was public information and that he was well within his right to contact me about my neighbors debt. I advised him to not call my home or cell phone again in an attempt to collect a debt that I did n't owe and from a neighbor that I did not know.
Product: Student loan

Every single time I attempt to sign into pay my student loans or manage my account I am forced to change my password because the old one is no longer valid. I can quite literally enter a password that no longer works for five minutes. I believe this is intentional force borrowers into making late payments and paying additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reporting a fraudulent inquiry found in my credit report XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

I received a {$200.00} Vanilla Gift Card as a gift on XXXX XXXX. I had saved it and kept it in my dresser drawer until XX/XX/XXXX. On that day, I had planned to do some grocery shopping and called the XXXX number on the back of the card to make sure I didn't have to activate the card prior to use. 

To my surprise, the card had only {$6.00} and change remaining. A purchase for approximately {$190.00} had been processed on XXXX Knowing that I had not made the transaction, I immediately called Vanilla and reported that the card had been stolen. I filed a dispute for the transaction on that day, XX/XX/XXXX. I was told that in order to investigate my claim, I would have to fill out paperwork. However, knowing that federal Regulation E requires that the investigation commence upon my verbal notification that an error ( fraud ) had occurred, I was looking forward to a speedy resolution. The card was closed immediately leaving me with no access to even the {$6.00} that had not been stolen. I did, however, complete the required paperwork and returned it per Vanilla 's email instruction on XX/XX/XXXX. 

I heard nothing from them and, on XX/XX/XXXX, resubmitted the completed paperwork. Still no response, no communication whatsoever was received. Today, XX/XX/XXXX, I called to follow-up again and was told that since " they didn't receive my paperwork '' ( which I had submitted twice ), there was nothing that they could do and that they would get to it " when they can. '' I remain out the {$200.00} today and am having to jump through hoops to get back money that was stolen from me.