23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX I was notified by mail that AE Outfitters credit card was enforcing paperless statements. If I did not accept the paperless form a {$1.00} fee would be applied to the paper statement. I complied to their request and signed up for the paperless form. The bank that handles AE is Synchrony Bank. I have XXXX other credit cards in addition to PayPal credit that Synchrony supports. All of them send me a XXXX XXXX XXXX  day notification that my statement due date is approaching ( XXXX 's Club, XXXX XXXX XXXX XXXX XXXX  ). AE never sent me a notification in XXXX therefore I incurred a late fee of {$30.00} and an interest charge of {$7.00}. I called and explained that I did not receive an email notification. They said they would waive the late fee but not the finance charge. The XXXX past due statement total was {$260.00}. My purchases for that statement period were {$220.00}. Since they waived the late fee I paid XXXX - XXXX = {$230.00}. I have not used the credit card for purchases until XXXX of this month. On XX/XX/XXXX I received an email from Synchrony stating I have a past due balance of {$4.00} which are $ XXXX monthly minimum finance charges. I was charged a {$2.00} finance charge in XXXX which I never received a statement notification for and now again in XXXX. I feel I am being taken advantage of and at their mercy of email notifications. I just paid the {$4.00} finance charge in addition to the {$28.00} purchase made on XXXX which is not due until the XX/XX/XXXX statement date. The representative said I may receive more finance charges and he can not credit them. I always pay my balance due in full and never carry a balance. I have had this credit card for over XXXX years and have never missed a payment in full.This all started in XXXX when AE Outfitters implemented the paperless statement policy. I am reaching out to you for yor help to stop this unfair practice. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The Bank does not have a note and is foreclosing without paperworks. 
I asked the bank to give me the paperwork ... they refused ( in their letter ) ... because they do n't have it.
Product: Payday loan, title loan, or personal loan

Bank of America had an error in its PPP Loan Forgiveness Application for my business ; it had pre-filled the amount to be forgiven with an incorrect number ( {$3300.00} ) but I didnt catch that mistake until after I submitted the application. The full amount was {$10000.00} and indeed my business spent that amount per the terms of the Cares Act. I tried, unsuccessfully, with Bank of America to have them rectify the error but they informed me the forgiveness application could not be changed as it had already been sent to the SBA. I emailed the SBA and spoke with their XXXX office ; they told me to deal with the lender, Bank of America. I have spoken repeatedly with the bank they tell me to deal with the SBA. The bank refuses to defer my ( erroneous ) loan payments while we try and sort it out. 

The SBA may indeed need to be involved to rectify the situation, but Bank of America should exert leniency related to the loan payback in the meantime, especially since it is the entity that made the mistake!
Product: Credit card or prepaid card

Back in XX/XX/XXXX/XX/XX/XXXX, XXXX invited me to open up a credit card with them for a {$40.00} gift promotion. Never mentioning the name of the bank or their background/reputation. So I did a credit card account with them. 3 months after opening my credit card, I noticed that my bill was not going down when I was paying double the minimum monthly payment. I contacted XXXX and they told me that I had to contact XXXX XXXX who was hiding behind XXXX. I tried to close my credit card account immediately, and finally 2 months later on XX/XX/XXXX, I received a letter stating that they have closed my account. So, I requested that they transfer all of my payments over to my debit card, the way I have been paying XXXX with their XXXX payment option for over 6 years. My last payment to XXXX was in XX/XX/XXXX and now my account with XXXX is paid in full. Now, XXXX is stating that I owe them, and they are trying to ruin my credit. They managed to put the credit card balance through my XXXX account and I had to close my bank account so they don't rob me. I have proof showing that I have paid XXXX in full. The bank is currently claiming that I owe them {$500.00}! They are a bunch of thieves. Look at their reviews to prove it. I have contacted the XXXX as well XXXX. They have advised me to contact you as well. I would appreciate it if you could provide me with any assistance/advice. Attached you will find the XXXX cancellation letter I received, the emails I sent them requesting to cancel my credit card account and transfer my remaining payments to my debit card, my last check payment I made to XXXX, and my XXXX XXXX XXXX statement showing that my account is paid in full. 
Thank you
Product: Debt collection

I have been making payments on a medical bill from XXXX Hospital XXXX. The original balance was XXXX. I have XXXX left to pay. 
The last payment I made cleared my account on XX/XX/18. I had one more payment to make. The collection letter for the last payment is dated XX/XX/18. 
I understand that XXXX Hospital is exempt from the Fair Debt Collection Act. This is very wrong. If a person is attempting to make payments in good faith, they should not be permitted to sell my account. It is clear that the individual person thst worked my account was able to make the decision not to send my account to collections but nastily chose to do so. Now I am in jeopardy of receiving a bad debt on my credit report when I have been paying the bill. How is that fair to me?
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of specific information in my ( Company Name ) report, which I believe to be erroneous. Under the Fair Credit Reporting Act, I have the right to request that you investigate and correct any inaccurate or incomplete information.

The details of the inaccurate information in my report are as follows : ( Inaccuracy # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX06/13/2019 and a balance of {$340.00} This is account is incorrectly reporting that I have 4 late payments on XXXX XXXX  reports 5 late payments and XXXX reports 2 late payments. 
( Inaccuracy # 2 ) : XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$800.00} This is account is incorrectly reporting that I have 5 late payments on XXXX, Equifax reports 5 late payments and XXXX reports 1 late payments. 

Please rectify or delete the aforementioned inaccuracies from my report without delay. The FCRA mandates that you investigate and respond to me within 30 days of receiving this letter. 
Upon making the necessary changes to my report, furnish me with written confirmation. Your immediate attention to this issue is mandatory. This letter is sent on my behalf, and I have included a copy of my identification for verification purposes.
Product: Debt collection

They bought a credit and never sent anything to me. I never owed the company they bought the debt from. XXXX of the same ones but different amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates is reporting on my credit report as a factoring company and is not a factoring company, they are a debt buyer. This is a violation of FCRA .Also on the account the terms are listed as one month. I never made agreement with PRA on terms for this account which is inaccurate and violation of FCRA.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of any erroneous accounts from my credit report. Could you verify the documents? Some of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

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 XXXX XXXX XXXX XXXX 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

Experian continues to report accounts that are the result of identity theft, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX These accounts were previously reporting on XXXX as well as XXXX however after providing both XXXX and XXXX documentation supporting the fact that these were opened due to Identity Theft these items have been removed and blocked from my credit report. I have informed Experian of this as well as the creditors, but all parties remain negligently non compliant. This is my 3rd time submitted a complaint with the cfpb to get experian to resolve this issue, however they continue to tell me the items will not be removed or blocked due to the items not meeting the criteria even though they are the result of identity theft. I have tried multiple times to explain this to them and they continue to force me to suffer through their automated dispute process and send generic responses or allow the creditors reporting this information to continue doing as well allowing them to update the account with snarky comments stating " Completed investigation of FCRA dispute - consumer disagrees '' when in fact they are not even investigating this and the only proof Ive been supplied by either company is a signature that does not look even remotely close to mine. Thier processes are automated and do not do their due diligence in investigating these matters. 

XXXX provided me this confirmation number for the removal and blocking of these accounts and I believe Experian should check with them to ensure they're following the same process*** The confirmation number for the removal of these accounts was XXXX
Product: Credit card or prepaid card

Hi, This is XXXX XXXX XXXX. I want let you know that My wallet was theft by someone. I need you check on someone use online for applied to credit card. Thank you.
Product: Consumer Loan

A car dealership took my XXXX on trade and sold me a XXXX at XXXX {$31000.00} I did not qualify for the loan because I did n't have the income. The car salesman falsified income documentation and put down that I had military retirement income of {$1500.00}. per month, when in fact, I was never in the military. 
and my only income is {$920.00}. / month XXXX income. I bought the car in XXXX XXXX, but I live across the river in XXXX, so they did not tag & title the car. 
I ca n't afford the {$650.00}. to register the vehicle. I never should have been put this car. 
It bothered me that I bought it ... .I 'm typing this complaint on my neighbors computer because he insisted I contact you about this, because he feels they most definatly committed a fraud and do n't care about sticking me with this vehicle, only thatI keep it long enough where they would not have to buy it back from the lender, which is exactly what should happen because I 'm XXXX.
Product: Student loan

I co-signed for XXXX loans way back in the year of XX/XX/XXXX. 
My son defaulted on the loans and naturally the company ( XXXX now known as NAVIENT ) came after me the co-signer. I told them I am sorry but I have financial hardship due to my XXXX and medical bills and can not make any payments. It has been 14 years and the statue of limitations has applied. Further more these loans were included in my Chapter XXXX bankruptcy discharged on XX/XX/XXXX. It is in my contract that I can include in a bankruptcy if there is a financial hardship. 
Please have NAVIENT to stop selling the loan accounts to credit collectors. Please have the credit collection company to stop reporting non-payments to the credit bureaus. 
NAVIENT has turned
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

This loan was paid for by XXXX XXXX. The loan was a profit & loss write off and purchased by another company.
Product: Student loan

XXXX University XXXX had sign the Master Promissory Notes on XX/XX/XXXX and XX/XX/XXXX when I was not enrolled in their school at that time frame and took out eight loans without my knowledge four loans on XX/XX/XXXX XXXX and {$2900.00} that was split into XXXX XXXX that had continued on with four more loans on XX/XX/XXXX {$17000.00} and {$2900.00}. The school kept the money.
Product: Credit reporting or other personal consumer reports

Creditor/Collection Agency : XXXX XXXX XXXX XXXX Account Number : [ Account Number ] Balance Reported : [ {$420.00} ] Reasons for Dispute & Legal Grounds for Deletion : Verification Failure : Under FCRA XXXX ( 15 U.S.C. XXXXi ), you are required to verify the accuracy of any reported item. I demand written proof, including the original contract bearing my signature. If this can not be provided within XXXX days, the account must be removed. 

Violation of Fair Debt Collection Practices Act ( FDCPA ) : If the collection agency has engaged in harassment, misrepresentation, or improper reporting, this violates 15 U.S.C. XXXX. Any inaccurate, incomplete, or unverifiable information must be removed. 

Incorrect or Outdated Information : The FCRA limits negative reporting to XXXX years ( 15 U.S.C. XXXXc ( a ) ). If this account exceeds that timeframe or has incorrect details, it must be deleted. 

Consumer Financial Protection Bureau ( CFPB ) Protections : The CFPB requires fair and transparent reporting. If this debt was sold or transferred without proper validation, it can not be reported legally.
Product: Credit card or prepaid card

I had an account with Citi AAdvantage for over 18 years. I recently contacted them to let them know I i was making a name change to my business and needed the card to reflect that change. when I called I was advised that I will get a form in the mail with several questions to mail back. I was also told by a representative that my account number and everything else would stay the same. To my surprise, my account was closed with no notification from Citi AAdvantage, and I am outraged. I use this card daily, have a high available balance. pay my bills on time. I contacted customer service immediately when my card was declined when trying to order food. I was told I closed the account, which was incorrect. I was also told that a supervisor would contact me. no one bothered to contact or send any letter about closing this account. I contacted customer service and was transferred to the executive response unit that promised this should be an easy fix got back to me after 5 days and said that this account can not be opened and that I can apply for a new card. I am outraged and need to know what I should do next. the account was closed in err of CitiAadavtage and they should take the responsibility of fixing this issue.
Product: Checking or savings account

I have had an account with Bank of America ( henceforth, BoA ) for over 15 years, and on Friday, XX/XX/XXXX, They removed over XXXX XXXX dollars from my account and completely drained it to XXXX, with the charge code " Legal Order - LTS ''. I immediately reached out to BoA to rectify the issue, as I have had no legal cases or judgements against me at any point in my life. 

Upon reaching BoA 's Customer Service, the person assisting us informed me that there was a legal order requesting a bank levy against a person with my name - However, this person is not me and the SSN associated with the request is not my SSN. When I asked for more clarity, they informed me that the charge was in fact made in error, and that it should be removed within " 3-5 business days ''. In addition, the bank also charged me a fee for processing this erroneous legal order, when it was their mistake. 

I find this unacceptable, as not only have I had several recurring charges that go to this account get declined or bounce back, I have been unable to pay for my daily necessities, such as food, travel to my place of work, and this issue would preclude me from paying rent, thus launching me into financial precarity through no fault of my own. 

On Monday,XX/XX/XXXX, I called the customer service line for BoA, and they informed me that I needed to contact the original creditor to prove it was not me. When I contacted the creditor, they informed me that they could give me no information, because I do not have an account/case with them, because it is not my debt. I then reached out to BoA and was told to contact a lawyer and then repeatedly hung up on. I work a XXXX, so I am not able to spend hours on the phone with the Bank to resolve an error that they caused and have shown absolutely no interest in resolving. 

If necessary, I can attach letters proving that the judgment is not for me, as well as attesting that the SSN on my account does not match the SSN for the judgement and that the Judgement 's SSN has never been associated with my account.
Product: Credit card or prepaid card

In XXXX I bought a living room set at Wayfair, merchandise was returned same day as delivery day before it entered my house. Wayfair did a refund to their credit card that I never used but pay short. After couple months of several phone calls they refunded the full amount but the credit card company wanted to charge me late fees and interests for that. After submitting several complaints the credit cards promised they will reverse fees and interest not to worry about it. About a month later I still receive the bills and amount was put on my credit reports as 4 months past due.
Product: Student loan

I enrolled at XXXX XXXX XXXX XXXX in 2012. At the time I had {$XXXX} income and only very small amount of child support for XXXX children. I filled out all necessary paperwork at the school for financial aid. Upon graduating, I started to receive payment statements for my loan of almost {$14000.00} due to the federal gov't. There is no way that with {$XXXX} income I would be able to make $ XXXX monthly payments. I contacted Navient and was told on many occasions that this is what I owe. How is this even possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit card

Hi, I was enrolled in the Wells Fargo Go Far Rewards program to earn bonus points on purchases. On my billing day, without any notification or explanation, they closed the account and forfeited all my points earned totaling {$930.00} in XXXX 2016. I filed a complain online, after waiting for some time, they requested a phone call. After I called and spoke to two different people on XXXX/XXXX/2016, they had no idea either regarding the closure of my credit card account or the forfeiture of my points. They said to wait for correspondence from their corporate office.
Product: Debt collection

Collection agency continues to send me threatening letters if I do n't pay. I sent them a certified return receipt letter which they signed for asking them to show me proof that I owe this debt. I submitted to them emails, statement and letter indicating I do not owe this money. One XX/XX/2017 they received my explanation letter and since than I have received two more letters stating this is the final attempt with out an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$7500.00}