23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Basically i came to the end of my car loan, made the last payment and got a confirmation number. A week later the funds were still not taken out of the account, i called Mid Atlantic Finance back to find out what 's going on - they said the method of payment - check over the phone - can not be done for the last payment. I payed using this method for 15 consecutive months. When i payed off the car the first time the final payment was about {$330.00} + {$6.00} ( the XXXX is the fee just to make a payment ). When i payed it yesterday the new final balance was {$350.00} and the {$6.00} was waived. So basically i payed interest on an account that should have been closed, this constitutes fraud and after doing some research found all sorts of people with similar stories dealing with mid atlantic finance.
Product: Checking or savings account

My account has been blocked for two weeks. It has been no fraudulent transactions.
Product: Debt collection

013. GLA Collection CO Inc. GLA has refuse to show thier account numbers in which they are attempting to collecting for. Refussing to contact XXXX XXXX XXXX to whom they state i have no outstanding balance to due insyrance has paid in full.
Product: Mortgage

Initially paid off loan to Citizen Bank on XX/XX/2023 for the amount of XXXX. The posted fees and accrued interest that I was not made aware of. The account went delinquent for 120 days. When I realized it, I immediately paid it off. When applying for a new mortgage the issue came up and now I can not obtain a secured mortgage thus make the interest rate out of control. My credit score also dropped from close to 800 to the mid 600s. I have never missed a payment on any loan I have secured including to Citizens Bank. This is potentially preventing a move to a new school district in order to obtain better services for a child that needs them. Citizens Bank has refused to work with me and told me that no info will be provided with 30 days from the dispute which was placed on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent over several letters to Experian disputing inaccurate information that I discovered to be on my credit report costing me {$90.00}. These inaccuracies are not a joke as this issue has prevented my family from being able to build our home amongst other devastating issues that has come up. I sent a letter to credit company asking them to review the data that they have on file for me to ensure that it is accurate and complies with FCRA and Metro 2 reporting requirements.

I also ask that they send their written response to my home 's mailing address. As of today XX/XX/2023, I have not received any written responses in regard to my disputes that I sent in. According to USC 1681i ( a ) ( 1 ) ( a ) " if the completeness or accuracy any item of information contained in a consumer 's file at a consumer reporting agency directly or indirectly of such dispute, the agency shall conduct a investigation to determine whether the disputed info is inaccurate and record the current status of the dispute information and/or delete the item from the file before the end of the 30 day period. '' Experian failed to follow this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the payments on time and the company holds the payments until they decide they are going to process three payments at once. This has for late payments on my credit report. I have sent this information to them and this has not been corrected. They now have collected 1000s in additional fees and charges. This is my third complaint and I still do not have this corrected and have the paperwork on the certified checks from XXXX XXXX XXXX to show that these check went out each month. Then they show me late.
Product: Student loan

So again Forster and garbus provided the wrong information in the last closed ticket thats the old agreement it isnt the new court approved agreement hence why I said they need to update their system. How can you take me to court in XX/XX/year> and not know the amount you placed on a paper
Product: Student loan

I had originally had XXXX Federal student loans. XXXX was handled by Navient and the other was handled by XXXX. I received a flyer in the mail stating that I can consolidate my Federal student loans with a lower interest rate. I carefully read the flyer to make sure there were n't any secret information included in the small print. Once I determined that I could definitely consolidate my student loans, I moved forward with applying. I then found, after I was approved, that the new loan was being handled by Navient and it had changed from a Federal student loan to a Non-Federal Private student loan. I felt like I had been misguided and trapped into a new private loan. I did not have a job to start paying on my loans and had to pay {$50.00} to defer my payment. I was also informed that I would only be able to defer my payment 3 times for the lifetime of the loans, paying a {$50.00} fee each time I deferred. I asked if there were options for me to lower my payments, and was told I had exceeded all of my options and was no longer eligible for any type of repayment plan. 

I really felt as though I was being set up for failure. As my interest rate had doubled my loan amount, I am still unable to repay my loan. I feel that I was lied to and tricked into changing my loan type from Federal to Private without any indication that this would be happening.
Product: Checking or savings account

I mistakenly initiated a payment for {$2000.00} instead of the intended {$200.00}, and I promptly requested a reversal. Interestingly, the reversal was processed twice on the same payment which means the bank charged me {$4000.00} and claiming they game me free {$2000.00}.
Product: Student loan

For over a year, I 've been getting a call every 2 months from Navient saying that my loans are past due. the first time I called with concern because my loans have always been auto payed to them. how can I be past due when they keep taking my money every month?! after being transfered to mulitple departments they finally " find the issue '' we set up a new payment schedule and I think we are all set, but they call the next month or so with the same song and dance. I 've tried to resolve this issue many times. I 've been patient with them but my patients are running thin. they are now calling my retired parents saying that I am not paying my loans and that they are going to send me to collections. I 'm getting multiple calls a day, sometimes every hour. they are harassing me. my loans are getting hit with additional fees and interest and when I call them to explain my issue they treat me like I 'm wrong and trying to avoid paying them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The following companies have been furnishing unauthorized and unlawful information in accordance with Federal law 15 USC 1666b... ALL LATE PAYMENTS MUST BE REMOVED from my account immediately. 
Here are the following accounts that are also not XXXX XXXX compliant... 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX Bank In addition, I have supplied a Federal fraud report for all the above accounts. The accounts need to be removed. I am also requesting the written permission from your company that gives you my permission to report information via my permission, and for you to request the same from your affiliates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Debt collection

I received two messages from XXXX, whom called from a local number XXXX on XXXX and XXXX in her message she Indicating I needed to call her immediately before she proceeds with legal action against my name and social security number, she did not leave the name of her company however asked to call XXXX ext XXXX. 

I did call the number and a gentleman explained that they are collecting a debt on behalf of their client in the amount of XXXX. He would not provide the company name or any other information. He did agree to send a debt validation letter. What is concerning is the address for the letter is to a XXXX and the current creditor is from a company I have had no contact with either by phone or mail. I XXXX the phone number and found numerous complaints on XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

since XXXX i have been trying to get the bureaus to remove these fraud accounts. Please.I explained that my ex husband used my name to open up accounts under my name without my knowledege, but they refuse to remove the fraud accounts I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A States that I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

FCRA 605B, as I understand it, requires the removal of inaccurate accounts from my credit report. Could you please examine the documents? Some accounts have incorrect reporting, amounts, and dates.
Product: Debt collection

I and my husband are divorcing. I left the family home and the XXXX bill was in my name. Over {$760.00} of utilities was accrued under my name. My ex claims that he paid the debt in full. I have not received a bill since XXXX of last year and then suddenly I get this collection notice in the mail.
Product: Debt collection

XX/XX/2018 XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, MI XXXX ( XXXX ) Attention : XXXX XXXX XXXX XXXX XXXX XXXX Chief Compliance Officer Reference to : CFPB Complaints # XXXX # XXXX # XXXX plus This complaint! 
plus Attached 4 documents to this Complaint. 

As of XX/XX/2018 I have yet to receive the refund check that XXXX XXXX XXXX has several times now has stated that the refund check " has been placed in the mail '' as agreed, but has failed to actually comply with! 

XXXX of XX/XX/2018 states a refund has been issued on XX/XX/2018! As I have informed you that I have not received this refund and the address listed on this letter is almost 2 years old and the home has been foreclosed and vacant for the past year! 

Letter of XX/XX/2018 then states that a refund was issued on XX/XX/2018! Again I informed XXXX XXXX XXXX via email on XX/XX/2018 that I have not received the refund and also due to a change of address error with the USPS that all mail is being forwarded to my son 's home! Since every piece of mail received  from XXXX XXXX XXXX has been with the USPS service of " Return Receipt Requested '' this mailing would have been returned to the sender! 

Also, an email sent to XXXX XXXX XXXX general email along with an email to XXXX XXXX, the Chief Compliance Officer, both on XX/XX/2018. To which there has not been any response from either XXXX XXXX XXXX or the Chief Compliance Officer, even though I requested them to email me a response.

I also subscribe to the USPS Informed Delivery Service that emails me a photo of all first class and traceable items each day, in either case no such mailing has been recorded from XXXX XXXX XXXX. 
It's now been 46 days and 4 Consumer Financial Protection Bureau ( CFPB ) complaints and still do not have XXXX XXXX XXXX 's refund as stated they would provide in CFPB complaint # XXXX response XX/XX/2018 and their letter if XX/XX/2018! Also CFPB complaint # XXXX response XX/XX/2018 and their corresponding letter. 

It's apparent that XXXX XXXX XXXX has not actually mailed a refund check for this issue since ALL other correspondence has not had any problems being mailed and delivered in a couple of days. Yet after 7 weeks their refund check has seemed to consistently get " lost '' in the 40 miles or so journey to my mailing address! Why? 

RESOLUTION EXPECTED That a certified check in the agreed amount of {$520.00} USD be IMMEDIATELY mailed by certified mail with tracking or hand delivered to me! Sufficient notice and all tracking information be given prior to mailing for certified mail or sufficient notice for hand delivery. To ONLY this address! 

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Also a photo copy of certified check and all delivery information be attached to XXXX XXXX XXXX 's and Capital One 's response to this CFPB complaint.
Product: Credit reporting or other personal consumer reports

Please add and EXTENDED FRAUD ALERT to my Equifax credit report. I have already sent in documents to add it but has not been done yet.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

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

I had an account with Castle credit for a XXXX  vacuum. I was transferring jobs and advised this company that I needed help paying the bill. The 1st representative agreed to help me, then I began getting collection calls at different hours and nonstop. I began to get aggravated so I borrowed money from a family member and asked for a payoff. I was advised that if I paid a little more than half the amount, they would mark the account as paid and full on my credit report. I made the payment, and received a letter saying paid in full, but my account now shows I owe the rest of the balance and the account is still listed as negative on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our bank account was compromised and our scheduled payment didnt go through. The bank XXXX didnt notify us our payment didnt go through until XX/XX/XXXX. Payment was made immediately after and we got penalized. Our credit dropped XXXX points over this which is ridiculous considering we have made every other payment on time and paid more than the amount due immediately
Product: Credit card or prepaid card

I need help to solve this problem that affects me with citi bank itself I have a negative account fraudulently opened based on identity theft, this credit card account opened with Macys credit card ( citibank ) I never applied or requested said account I contacted the bank and they They say that this account is mine without proof I went to the police department I made my identity theft report and the accounts opened under my information, since they are affecting me in my credit report please help me and eliminate this account. # XXXX I am receiving calls every day at all hours to collect a debt that is not mine, please I need help.
Product: Debt collection

I sent dispute letters for the inaccurate account s to be removed from my credit report on XX/XX/2019, XX/XX/2019, and XX/XX/2019. However they never sent me documents to show me how they verified the accounts per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and the have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 a alleged amount {$4100.00}, XXXX XXXX XXXX XXXX DID NOT contact me as the LAW REQUIRES. 15 U.S code 1692g Validation of debt. A furnisher MUST mail a letter to the consumer and allow the consumer time to write a validation of the debt. Equifax, WHAT ADDRESS DID XXXX XXXX mail a letter to me so I can ask for validation of the debt? I asked XXXX XXXX using a CFPB complaint. XXXX XXXX has a address XXXX, NC. I don't have a PREVOIUS or PRESENT ADDRESS IN XXXX, NC. Please check my credit report for my addresses. I have attached the document XXXX XXXX sent me in a responds complaint # XXXX. Please look at the address on the letter and compare it to my previous and present address. No MATCH. XXXX XXXX has and is violating the fair debt collection practices act by putting a account on my credit report without notifing the correct ADDRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get an error fixed 3 times and XXXX  has failed to address the issue in all responses. Comenity express is showing late payments. I did not have a single late payment with this account. There was en error in processing from the bank that had nothing to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX Balance : {$0.00}XXXX XXXX  XXXX Balance : {$740.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with the following credit reporting agencies XXXX, XXXX and Transunion about the fraud I have found on my credit report. These following accounts are unauthorized and I would like them removed from my credit report. XXXX XXXX date XXXX, balance- $ XXXX XXXX XXXX  date XXXX, balance- {$1100.00}. XXXX XXXX XXXX XXXX, date XXXX, balance- {$0.00}. XXXX XXXX, date XXXX, balance- {$970.00}.
Product: Credit reporting or other personal consumer reports

I spoke to numeral acct associates. most I could Not understand. 
I finally spoke to a XXXX in the XXXX and she stated she would check phone conversations. 
After checking and verifying that I was told a courtesy correction would be asked for, she said it was not. 
I have spoken to many customer service agents with Ally throughout this horrible experience, and although my Ex spouse made many unpaid payments, I was Never told that {$28.00} estimates of late payments were due. I paid what the Customer service people asked of me on the {$470.00} payment. If the system is behind or inaccurate from that day, I should not be responsible. Again. I was told the system caught up that same day I made the payment. I was NEVER told that day or after that day there was a balance due!! Again. XXXX XXXX was in this acct and this was Her car, it doesnt show in her report as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for.

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 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. Thank you.