23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I filed a complaint with CFPB ( # XXXX ) against XXXX XXXX concerning XX/XX/XXXX day late payment error on my credit report, on XX/XX/XXXX XXXX XXXX Responded to the complaint saying on XX/XX/XXXX they submitted a request to the Credit Bureaus to have this XX/XX/XXXX day late payment error corrected to ( Paid in Full & Paid as Agreed ) on my credit report. Also XXXX XXXX  emailed me a confirmation letter stating that they advised the credit bureaus to remove the XX/XX/XXXX day late payment error from my report. So it would Reflect PAID IN FULL / PAID AS AGREED & PAID ON TIME, the Credit Bureaus refused to make these Corrections to my credit reports. So on XX/XX/XXXX I mailed copies and faxed proof of my ID to the Credit Bureaus and attached the response letter to CFPB from XXXX XXXX & the letter that was email to me by XXXX XXXX  stating that they have reached out to the credit bureaus to remove & correct the XX/XX/XXXX day late errors and to update my account. Equifax & XXXX, XXXX refuses to make corrections after XXXX XXXX have requested for the XX/XX/XXXX day late to be remove. I have been disputing this Error to the credit bureaus personally since XX/XX/XXXX concerning this Particular Account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft in which all my personal belongings were stolen. Someone opened this account fraudulently in my name. I tried to dispute this collection several times with no luck. The collection agency, NCA and the original creditor, XXXX XXXX failed to do proper research and validate that this account actually belongs to me. I have not received any written documentation or proof regarding this matter. I tried contacting easy money to try to get this resolved and this company is no longer in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is reporting an inaccurate charge off account on my credit reports that I have been disputing for some time. I have contacted both Capital One and each credit bureau concerning this account and have not received any valid sufficient proof that supports this debt from either Capital One or the credit bureaus. XXXX did delete the account from my report because they could not verify this account as accurate but XXXX and XXXX refuses to do so. Not only have they not provided any documentation but they are reporting multiple inconsistencies on my reports. XXXX is reporting the account as paid, the last report date is XX/XX/XXXX, the last active date is XX/XX/XXXX and the last payment date as XX/XX/XXXX. XXXX is reporting that this account is derogatory, the last payment date as XX/XX/XXXX, the last active date as XX/XX/XXXX and the last reported date as XX/XX/XXXX. If the credit bureaus get all of their information from the same place how is it that they are reporting drastically different things. It is illegal to report inaccuracies on a consumers reports and not only is Capital One in violation of the consumer credit laws but so are the credit bureaus for verifying this inaccurate account.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noticed unauthorized hard inquiries on my credit report. I have no knowledge nor did I request any new credit. I believe these inquiries are identity theft and would like this removed as soon as possible I also reported this to the FTC
Product: Debt collection

In the amount of {$570.00} they say is owed from an outstanding balance regarding XXXX XXXX. It is fraud and has been negatively been impacting my credit for over 3 years.
Product: Debt collection

Transworld Systems Inc account # XXXX states I owe XXXX to XXXX XXXX XXXX 
Opened XX/XX/XXXX I don't have a contract with XXXX XXXX. My lease ended XXXX XXXX XXXX  I was out of the apartment XXXX XXXX XXXX 
Gave notice 90 days in advance. 
See notice attached.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I received a letter from Equifax dated XX/XX/2024 stating that they were going to investigate my dispute about the hard inquiries with those companies and send me the documents that they were going to obtain from those companies within 30 days and since I had not received any follow up letters or documents as of XX/XX/2024 I called them to check the status of the investigation to find out that is was closed on XX/XX/2024 the same day the letter was dated whick I received claiming they were doing an investigation. I found that to be odd that the letter was dated the same day the investigation was closed ( XX/XX/2024 ) and it was closed after they told CFPB they were still working on the investigation according to the updated status email I received from CFPB on XX/XX/2024. I asked the supervisor I was speaking with to give me the name of the companies they got their information from and he stated it came from the CFPB report via U.S. mail along with FTC report. So they never did an investigation with the companies as I was told in writing they were going to do and within 30 days and then send me the information obtained. He also stated that my dispute was closed with them Equifax because it was denied by the FTC. I asked how could an investigation be closed on XX/XX/2024 if the reports were mailed to them by XXXX mail. So, I would like to know if you the CFPB mailed them these reports express mail? Because my complaint was closed within a few days with Equifax of my complaint being opened with the CFPB? I told this supervisor after he told me to open another dispute with FTC that I will not open another dispute that will take additional time when they did not properly investigate my complaint according to federal law and no response was given to me in writing according to Federal law either that my claim had been closed. To clarify this complaint here are my concerns of being consumer rights being violated and ignored by Equifax : 1. Who is the individual on the back end team as stated by the supervisor that investigated my complaint and what are the names of hard inquiry companies this investigator obtained information from? When was I to receive those documents in writing?

2. Why I never received a written response informing me the investigation had been closed as of XX/XX/2024 clearly past 30 days as of XX/XX/2024 when I called them and why there is no record of any letter in their system.
Product: Credit card or prepaid card

Credit Card : XXXX XXXX Issuer : JP Morgan Chase Bank XXXX : Annual Fee ( Misleading Marketing ) At the end of XXXX, 2023 I was approved for the XXXX XXXX credit card with an annual fee of {$520.00}. On XX/XX/2023 I was charged the annual fee. I contacted Chase and they stated that because the " Pricing & Terms '' does not state annual fee waived, the consumer must assume that the annual fee is due immediately after opening the account. 

Complaint : this is deceptive and misleading marketing practice. The bank should not leave it up to the consumer to interpret their generic and vague language in the terms of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Background : I applied a chase credit card on XX/XX/XXXX and i was approved for it with XXXX credit line. Had a large purchased on middle of XXXX for my husband for his birthday gift, no other action on my new credit card. 

I had total XXXX credit cards after approval with chase and i've been banking with chase since XXXX, I also have checking account with chase ( with enough money to cover my credit line ). Never had any miss payment or any kind of violation since XXXX, but they closed all of my account on XX/XX/XXXX with no reason. Called them ask reason and if its possible to restored and told answer is NO. i'm very very upset because i do love using their credit cards product, in the meantime why they would treat a loyal good customer like this, why they would approved my new credit card and closed everything after only a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Sallie Mae is completely out of control and show zero respect to consumers rights. I am the parent and I have XXXX student/ parent loan in which I have been paying interest payments on while my daughter is still in school for the past 4 years. Occasionally I am several days late making one of the loans interest payments. After one day late they start their barrage of threatening phone calls from XXXX until late in the evening. While I am at work and when I answer they are extremely aggressive and threatening. They are predators both in lending and in collections and it has to stop. My wife and I work extremely hard, I work two jobs trying to help my daughter get her education. Sallie Mae needs to be investigated, first the portray themselves as being part of the government loan program to trick students and parents into believing they are a federal loan program, then they aggressively lure students and parents into easy to obtain high interest loans so they can increase their bottom line while entrapping consumers into a nightmare scenario. Please have congress investigate this predatory lender with threatening phone calls which clerical violate federal collections law. Kind regards XXXX, XXXX, XXXX XXXX
Product: Checking or savings account

Please see Complaints : XXXX and XXXX As you will see, both complaints have been discharged and closed due to PNC responding to my complaint by phone and by mail. Just because they responded ( I received a call from XXXX XXXX ) does not mean that they satisfied my complaint nor that they resolved the situation. The issue is that PNC rejected a check payable to me due to an " irregular signature. '' Not only had they processed a previous check from this person to me ( signed by same person on the account ), but it seems they failed to follow their own procedures to verify with the account owner that this was a valid check signed and issued by one of the account holders ( as told directly to me by the account holder ). Because I was forced to process their second and final payment by credit card, I not only incurred a {$5.00} service fee from my bank, but an additional {$39.00} in credit card fees ( per my credit card statement ) that I would not have incurred but for PNC. PNC is using the fact that I am not an account holder and therefore they do not have to discuss this issue with me. PNC 's failure to follow its own procedures resulted in a {$44.00} charge that I would not have incurred had they processed the check and verified the account holder 's signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company provided the following information on my credit report and want it removed. 

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

Your company was supposed to do a full investigation before applying anything to my consumer report. Your company never did an initial investigation. Which is a violation. I had an eviction on my consumer report for an address that I never even lived at. Due to that false eviction being in my consumer report I was denied housing from XX/XX/XXXX until XX/XX/XXXX. My family have suffered dramatically due to your companys false information on my consumer report and lack of an investigation. I disputed the address and it was removed so that furthermore shows that your company was at fault.
Product: Debt collection

This debt does not belong to me. I never opened this account and have disputed this on my credit report and I have requested proof of this account being opened.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I received an email from XXXX that my order was shipped. I contacted them immediately that I had not ordered anything. XXXX has documentation of my call. I also call Bank of America right after that and informed them that my card was used fraudulently. I was issued a new credit card. Someone attempted to order XXXX XXXX XXXX and XXXX cancelled one order & refused to change the shipping address on one order. 3 orders were accepted ; 2 orders were shipped to an address in XXXX & one to my home address. I was told by a fraud supervisor with Bank of America that the address in XXXX belongs to a company. I returned the item shipped to my address to XXXX, using a XXXX label that they provided.. 
XXXX has been unable to credit my card for the returned item because of the dispute so the charge for the XXXX I returned still appears on my credit card along with the charges for the 2 XXXX that were shipped to XXXX. On the XXXX site it says the item was returned. Despite numerous calls to both XXXX and Bank of America , Bank of America has denied the fraud dispute and I am not only being charged for XXXX XXXX that I didn't order but accruing interest charges. I have appealed the decision to bank of america numerous times & most recently was rejected because : '' while you personally didn't make the charges we confirmed that it was made by an authorized user on the account or someone who has permission to use the card. '' I am a single person, live alone, do not have anyone else on my account, nor have I authorized anyone to use my card. I am a victim of fraud & of Bank of America 's refusal to accept that these are indeed fraudulent charges. It is now affecting my credit score. I have been with Bank of America since the XXXX XXXX & never even had a late charge.I am getting charged interest now even though a bank of america fraud supervisor named XXXX in XXXX told me not to pay the charges for the XXXX. I am including the orders listed on XXXX with addresses, documenting the one item returned, and some of bank of america 's responses. My credit rating has gone down as a consequence.
Product: Credit reporting or other personal consumer reports

I discovered many unauthorized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX, XXXX, XXXX, 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. I submitted and complaint about this and few days latter the informed me that the re-investigation was complete. They did not do any investigation or produced any document with my signature at all.
Product: Debt collection

Hello. Been XXXX times calling to Collection Bureau of America., XXXX XXXXXXXX XXXX XXXXXXXX, to remove collection from me. .Have been billing from collection agency for amount of {$640.00}, I used to have Identity theft, some body been using my information provably, never been late on credit cards payments and loans. Please investigate and remove collection from my credit.
Product: Credit reporting or other personal consumer reports

it is Equifaxs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting 1 inaccurate late payment for the XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/year>. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in Equifax violating my federally protected consumer rights. To add to this, I did NOT give Equifax written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination
Product: Credit card or prepaid card

I've been in contact with PLS check cashing bank since XX/XX/ the first month I received a refund on my month of XXXX statement called in to ask questions on exactly how what steps I need to take to receive my refund in a timely manner. Upon being told that it would take seven days to appear on my balance I continued to decide to use the prepaid card not thinking I would be told I was going to be receiving my refund to being told I wouldnt be receiving my refund. I kept in contact for more then a year and it's been hard to let go I've been patient I've been persistent and managed to do all the work with the proof and rebuttals dispute for longer then two years now. I'm now being told I didn't fill out paperwork correctly and it's past the amount of time I had to dispute for my refund. Leaving me drained of my money I'm still willing to recover with your help. I'm XXXX and I have never been treated with so much agressiveness and bitter customer service from any company in my life. Just to spend more time giving all my documents in a properly manner and be rejected has took em it's toll on me. I have recordings emails mailed letters in my records. The total amount has even been changed and I still would've taken it instead of getting nothing in return. It's very upsetting that I used the card even after this issue had occured and they kept me on phone for hours hanging up on me after three hours of waiting.
Product: Student loan

We have a XXXX loan and a XXXX XXXX loan with XXXX different companies. My son has been paying on these loans since XXXX. The last XXXX years the interest was taken off, however, on all of our loans, We owe more now than when we started. What the heck is going on? We started out with Navient and XXXX. This year we were transferred to Aidvantage and XXXX. We never got a statement from anyone until this year. My son never stopped paying the entire time regardless of XXXX. How can we owe more now than when we started?