23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Call XXXX to ask about why my payment was not being pulled out after I called they told me that I have to finish my recovery repayment plan, I was told that now I have to start a new payment plan with their company call Navient and based on my income I have to pay exactly what they say even though me and my wife both have to pay back student loans to do two different companies I explain to them that my budget is pretty maxed and I needed to go a different route to get away lower payment when I was paying the recovery payment plan I was able to pay five dollars for now Navient raise my payment to be around XXXX after calling multiple times and asking for more assistance on flexibility to least give me down to {$50.00} a month something I can actually afford they basically told me to kick rocks saying that I was going to become delinquent if I can not set up a payment plan that they basically choose for me with no options at all if you can help me sort these things out he seems a little abusive just because he look at my income they decide on how much I can pay that and knowing how much I actually need to survive month to month The only reason Im complaining because they have not given me the option for flexibility to basically acting like a dictatorship
Product: Mortgage

was in foreclosure and a entered into loan modification XXXX XXXX due to XXXX violations and we were getting ready to sue then covid hit and they tried to foreclose after no paying a when year because they had no authority and filed a fraudulent assignment after a company closed XXXX so, since then they were forced to do a loan modification where they didn't want to .... now ... my local bank where this occurred, has bounced every check made to our mortgage company. So, we started sending XXXX payments again. Then they did not apply XXXX payments XXXX or XXXX we have to keep calling and keep getting 's same responses that have to check into it. they are trying to put us back into a foreclosure when we clearly had the money to pay. Today they finally applied a payment made in XX/XX/year> to XX/XX/year>. XXXX was paid and cleared. XXXX we made XX/XX/year> payment, but they did not apply it again. getting tired of this as this is predatory lending practices. I am a XXXX XXXX XXXX XXXX  with a XXXX out of Texas. they did all this and reported wasn't paying to lower my score so I could not refinance the equity we have with my bank ; we have had the property for over XXXX  years now.
Product: Student loan

Wells fargo educational services is servicing my account and I just realized that it is a variable rate loan. Wells fargo has charged me late fees and reported to the credit agencies as delinquent. My problem is that there has been no communication sent to me in regards to the change in rate and they just send out statements with new amounts. I have been lazy to look into this but It would be surprising to me to know that they are not required to sent out notices of rate changes? If so, they are charging late fees and reporting me as late even though I have on time payments for years. 

I am frustrated to learn that Wells Fargo due to no notifications that they may be making a large sum of money from late fees over a simple letter that would notify the consumer of this change. Is a notification required? If so, I would consider my contract null and void with them. We will never get out of these loans if they continue to pry on the consumer and take advantage of us day in and day out. I have paid into the loan since 2011 and on a {$21000.00} loan I still owe Wells {$19000.00}. Wells However, has made {$16000.00} on my loan, that is criminal, I should be close to paid off at this point. 

Please help!!
Product: Debt collection

The verified information is from a third party. This company is verifying a signed application with another company. This should be removed from my credit because I do n't owe your company anything. I did not sign a contract with millennium financial if you can provide me a signed contract that I signed with your company I will not continue with these dispute efforts. I have not elected to hold a contract with your company, and have no obligation of payment with your office. I am responding to your contact about collecting a debt. I would like for your company to provide me with competent evidence that I have a legal obligation to pay you. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec. 809 ( B ) that your claim is disputed and validation is requested. this is not a request for verification, or proof of a mailing address, but a request for validation in pursuant to the above named title and section.
Product: Debt collection

Preferred property tried to charge me {$4000.00} for a broken window and I argued the cost down to {$400.00}, paid it and left the unit. I am now hearing that I am being charged over {$4600.00} by a company that claims to have bought the debt, I asked for proof and they immediately sued me without providing proof. I did not receive notice that I was being sued and was defaulted against. 

The company suing me and is named Credits , Incorporated - based in XXXX, Oregon.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX || Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked inaccurate. XXXX XXXX, XXXX XXXX, XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report from XXXX XXXX and experian credit bureau I notice three credit card companies on my report that I did not authorize nor do I have knowledge of inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer repo prepares a consumer report, it shall follow reasonable procedures to assure the possible accuracy of the information concerning the individual about whom the relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In after any reinvestigation under paragraph ( 1 ) of any information disputed by a c an item of the information is found to be inaccurate or incomplete or can not be verify the consumer reporting agency shall- ( i ) promptly delete that item of information file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX accounts immediately
Product: Credit card or prepaid card

Care Credit is a type of medical credit card, I believe Syncrony bank backs it ( their site says they are in FL ). I have had the card sin ce 2014. Part o f what Care Credit offers is deferred interest for a period of time, i.e. deferred interest on your medical procedure cost for 6 months, or a year, etc. As long as you pay off the balance prior to the promotion 's exp. date you pay no interest.  Since 2014 I h ave always paid off the balance before the exp date. I just realized though that they have been charging me interest each month for over 2 years. I called and they said its because back i n 2014 I h ad a late fee. And despite my account being on auto draft ( i.e. THEY are taking my payment each month themselves and applyi ng it ) th ey have not applied a dime to the late fee or to any interest ( so that they could continue gouging me of course ). So they 've been charging me interest on the late fee from 2 years ago. Which I did n't  know one cou ld do that, but anyway I said OK I 'll just pay the late fee - however they now claim that the interest kept going, and that they will continue to charge me interest each month, ON THE INTEREST that had previously accumulated on that ( now paid ) late fee in the past! My attorney suggested that I start by reporting this to the FTC / A.G. 's office - I have submitted this to the FL Attorney General 's office as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}.
Product: Credit reporting or other personal consumer reports

I have disputed these Inquiries on my credit report because I have not authorized any company to view my credit report and they should not be on my credit report. The credit bureaus always send me an updated credit report stating that the accounts have been verified and updated. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> Under 15 U.S.C. 1681i, I request an investigation of these inquiries, and in accordance with 15 U.S.C. 1681b, I expect these unauthorized entries to be removed if they are found to lack a permissible purpose. 
Please provide written confirmation of the removal of these inquiries and send me an updated copy of my credit report reflecting these changes. If you are unable to remove these inquiries, please provide me with the evidence of my authorization and the permissible purpose under 15 U.S.C. 1681b for these inquiries.
Product: Debt collection

I had an account with Victoria secret and I was delinquent due to being unemployed. They sent my account to collections with XXXX XXXX. I paid XXXX XXXX  and they said that comenity bank would update my credit report. It still shows my account is delinquent while everything else that I paid off its updated as current.
Product: Debt collection

XXXX put a hold on my orders in XX/XX/2021 for an outstanding balance of aprx. {$80.00}. On XX/XX/XXXX I contacted the XXXX party collector and resolved the balance. When I place orders with XXXX, they are canceled. XXXX states, that the XXXX party collector has not provided them with the information to prove my account is resolved. I called the XXXX party collection company and they informed me that they are not obligated to report to XXXX. This is the exact opposite of what XXXX 's cancelation latter states. I asked the XXXX collection agency how ill XXXX known my account is clear and they informed me that the company that processes the payment will inform XXXX. After explaining this to a customer service representative from XXXX, I called the XXXX party collection agency with the XXXX rep on the line so they could listen as I was able to confirm that my account with them was clear. 
I have a gift card on file with XXXX and I am unable to recover my funds. This is unfair since I am unable to use my account for orders. I have made several calls to all agencies involved to reactivate my account. 
I need help resolving this matter because each agency keeps pushing me off to another agency and no of them are trying to help resolve the issue.
Product: Checking or savings account

I had a checking account with Wells Fargo bank. There were times when overdraft fees were taken out. They also closed my account due without notifying me first.
Product: Credit reporting

I terminated a lease XX/XX/XXXX and the judge accepted my termination letter ; the termination was on grounds that the plaintiff was trying to charge erroneous fees and had no proof that these fees were valid, the plaintiff would not allow me to pay my rent because of these fees so they then tried to file an eviction, however they were unable to evict me because I provided the judge with my request for termination along with proof that these additional fees were not valid. The judge accepted my termination request, and issued the order containing how much was to be paid through XX/XX/XXXX. 

Once I left, the plaintiff waited months before furnishing anything to creditors and when they furnished it they inflated the total by over {$4500.00} what the judge ordered with my termination request. 

After numerous written request, Experian has refused to remove the erroneous information as well as the plaintiff who reported the erroneous amounts refuses to correct the data after numerous requests in writing, they constantly contact myself and family members harassing us demanding that we pay the false amount or they will keep harassing me and because their office is technically not in Georgia they state that they do n't have to abide by the order unless I send them the order, but they were the plaintiffs so they had the order. Additionally, they have since been purchased by another company and now this company is furnishing erroneous information and refuses to remove it because when they purchased the other company " they said that 's what I owed ''. It is a nightmare because I have a court order and judgement and they are trying to extort me because they know Experian will not remove it and it has costed me so much to try to remove this faulty information and it has prevented me from getting a new residence because it is on my credit.
Product: Credit reporting or other personal consumer reports

Kindly update my account this causing me a lot of XXXX and XXXX.
Product: Debt collection

The collection agency could/would not provide any documentation that I owed the debt nor could they verify that they had tried to contact me via mail or otherwise. The agency has filed a judgment on me in the amount of {$1200.00}. The name of the collection agency is : Fein Such Kahn & Shepherd P.C. 
XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the late payment information reported on my credit profile for my account with [ Bridgecrest ], account number [ XXXX ]. I am requesting the removal of these late payments under the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). 

*Under 15 U.S. Code 1666b - Timing of payments : ( 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. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge *15 U.S. Code 1681b - Permissible purposes of consumer reports It has come to my attention that my credit report incorrectly reflects late payments for this open account. As per the FCRA, Section 605, a creditor is prohibited from reporting inaccurate information. Reporting late payments when they do not accurately represent my payment history is not only misleading but also illegal. 

I believe that the late payments reported do not accurately reflect my payment history due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time of which I did call and make several arrangements. Under the UCC, it is crucial that any reporting of account status is both accurate and truthful. Failing to adhere to these regulations can result in legal consequences for the reporting entity. 

I kindly request that you investigate this matter and remove the inaccurate late payment entries from my credit report. I am committed to maintaining this account in good standing and would like it to be updated to reflect a current status. 

Please find attached any supporting documentation that may assist in your investigation. I appreciate your prompt attention to this matter and look forward to your response confirming the removal of the late payments from my credit profile. 

Thank you for your cooperation. 

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

I have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

TN CHILD SUPPORT XXXX {$59.00} XXXX  XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX {$120.00}
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to formally request the permanent closure of a credit card item that does not impact my credit score. I previously discussed this matter with JPMCB and XXXX representatives via phone on XX/XX/year> and by mail was informed the this is identity theft. 

Below are the details of the item in question : Date of Entry : XX/XX/year> XXXX Name : JPMCB Card Services Industry Type : Bank Address : XXXX XXXX XXXX, XXXX, DE, XXXX I would appreciate written confirmation once the item has been permanently closed. 

Additionally, I kindly request that this matter be resolved within the legally required. 
Please feel free to contact me if any additional information is required. 

Thank you for your prompt attention to this matter. 

Thanks, XXXX
Product: Credit card or prepaid card

From XX/XX/21 XXXX i was charged with purchases I never made. My card was stolen and I informed Bank of America. I realized that since a lot of people were working remotely that individuals were at home taking personal information down I had one rep ask me for my cross street and sliding someone changed my security question I have informed them of a emerger situation they ended up shutting off my card and Im going to be without electricity. And I need my funds so me and my child dont sit in the dark
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my paypal account. I'm using my paypal account on my online business XXXX XXXX  by XXXX, selling e-books and online services related in baking since 2020. My Paypal account XXXX has stucked funds and some actions that i needed to do for some of my clients. I'm hoping that i will get back my account to widraw my funds and help my clients. 
Thank you and Godbless!
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : SENSBLAUTO XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.