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

It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX  takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Bank account or service

I had open an bank account with chase, I thought it was really neat to take a picture with your phone to deposit you check its was convent for me. That way I do n't have to wait in line to deposit the check, anyways check went though and I received my money no problem 2 week later I had got XXXX a notification on my phone say that I owe the money and that I needed to pay it back I call and complaint about it and they said that its my fault that some other back had cash the check in there account which i do not have an other account with anyone. So as of right now, my back is over draft and I 'm not paying it for something I did n't do. so now Im using a pre paid debt card that I have to pay to put money to pay my bills ....
Product: Debt collection

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Nationwide Credit Corporation refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Product: Consumer Loan

I have an auto loan with United Auto Credit, and I am currently going through a divorce so I called and asked if I could set up a promise to pay for XXXX XXXX of my payment in full ( car payment was due XXXX ) and was told I could not, and if the payment was not made by the XXXX they would come take the vehicle from me. I asked to speak to another supervisor who proceeded to accuse me of trying to argue, also stated if it was n't paid by the XXXX it would be immediately taken. When I spoke to my mother who has worked in XXXX for 20+ years she asked to speak to this company so I added her to the account and they said the same things. She told me that it was illegal for a company to threaten, harrass, or intimidate a consumer especially when a payment process is trying to be set up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to unlawfully report account. I inquired and elected not to move forward with account given type of account and requested that they not only cancel application but furthermore delete my info entirely from their database as verified by documented disputes from over 5 months ago preceding any such reporting to XXXX I do not have a phone, email or ach attached to any such account. I have attempted to reach them via phone, email and usps as well as oversight They allege they deposited a minute amount of {$90.00} I combed through and see no such deposit and there is not ach associated per last contact I even stated in writing over 5 1/2 months ago i would be happy to pay instant via certified funds debit as long as they refund me whenever they received this deposit back as I see no mention of any deposit anywhere I have significant documentation that shows lengthy dispute process and I have been contacting them for 5 + months and that I offered to pay 5 plus months ago even while under documented dispute Additionally they continue to report in error they have now not only cost me considerable time lost towards rectifying XXXX XXXX further impugned my character cost me thousands in credit a clearance and mortgage approval in which I intend upon seeking damages for if they do not remove this immediately from XXXX and delete my info as requested in writing and acknowledged by then 5+ months ago
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 in XXXX  REPORTING LATE 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 XXXX  days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 card or prepaid card

From XXXX to XXXX Capital One and other credit cards that I had were sending money to a fake XXXX card account> I paid of All the cards and canceled them all,,,, Capital one keeps send me and you wife junk mail for their pre-approved officers! I have filed a complaint with you and the said they would stop sending me their fake pre-approved officers! I want them to stop sending me their fake pre-approved officers!
Product: Credit reporting, credit repair services, or other personal consumer reports

Trident Asset Management is reporting an erroneous collection on my credit file. I recently checked my credit and noticed this debt reporting on my credit. I was completely unaware about any debt on my credit so I called and paid this off immediately. I never received any notices, calls or letters about this debt and that violates my 30 day right to dispute. This account must be removed from my credit file, it is paid and settled. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Product: Credit card

My name is XXXX XXXX XXXX and I am in the XXXX XXXX. I have been XXXX for XXXX  years and prior to that based in XXXX XXXX for the last XXXX  years. Your company XXXX XXXX XXXX  has allowed someone to open an account under my information at an address that I have not lived at in over XXXX  years to open and account fraudulently without my knowledge or permission and the representatives are refusing to remove this information from my credit reports. I have filed multiple complaints about this and exhausted myself before my last resort which is contacting an attorney as this is a violation of my rights at this point. The IDENTITY THEFT reports and documentation were all sent to your company XXXX XXXX and clearly showing I do not even live in the XXXX where this account was opened or anything and they have refused to remove it. Even collection agencies have verified that it was fraudulently and your company XXXX XXXX XXXX refuses to comply. I had multiple accounts opened fraudulently and each bank tooo care of it swiftly EXCEPT YOURS who seems determined to cause me financial harm and distress and violate the FCRA as well as mt rights. I ask XXXX last time before I have to contact an attorney to deal with this situation. Please remove me from your system and remove this account off my credit report. I would kindly appreciate your company doing the right thing instead of ignoring the obvious and continuing to hurt my family financially due to identity theft and fraud.
Product: Student loan

Called Sallie Mae XX/XX/2016 : XXXX asked for help with deferment payments the woman on the phone said " The credit collectors would get ahold of us '' and there is nothing we can do for you at this time. XXXX Asked " is there anyone you can transfer me to that can help me with more information? " .... " not at this time '' XX/XX/2016 - I called Sallie Mae again and was informed by XXXX that they do not have a rates and reduction program, and that they are unable to renegotiate my payments or put me on a payment plan. I asked to be transferred to collections ( ca n't remember her name ). I was informed by XXXX ( spelling? ) that my account must be delinquent in order for collections to help me. I asked to be transferred back to customer service and was connected with XXXX ( Florida ). Wrong department. XXXX ( servicing general ) XXXX informed me that I was transferred to the wrong department. I informed him that both collections and customer service had told me that they were unable to help me out. He then called over to customer service for me to see if there was anything to be done. Transfered once again, to XXXX in Escalations. She informed me that my account must be in delinquency in order to apply to rates and reduction program. 

In a subsequent call we were told that we were put on a rates and payments program, where our rates would be reduced as would our payments which would be capped at XXXX, but the payback period would be 30 years. 

XX/XX/2016 : Sallie Mae call I called Sallie Mae to talk about why my account read ( approx. ) negative XXXX dollars. I was put on with someone who told me that our Sallie Mae loan account was signed up for a {$120.00} auto draft from our checking account, and that this would be for three months : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that after XX/XX/XXXX our account would be updated to reflect the fact that we were on the new program. 

to date our loans are still not adjusted as " Rate and Reductions '' rates that were were supposed to be paying, but instead we are supposed to still be paying the nearly {$500.00} a month for all our loans instead of {$120.00}. We can not stop getting the run around and we are struggling financially mostly due to the issues and over payment to XXXX/ Salei Mae '.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Student Assistance purchased this debt from XXXX and decided to temper with the original dates. I contacted XXXX to inquire about the date of delinquency in this account which was the first day after I missed a payment XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above and admitting to the last payment date ... American Student Assistance provided fraudulent information to the credit agencies to default the loan at a later date so the status of limitations can be changed giving them a longer time to try to collect. Negative account information should not be reported after 7 years from the delinquency date which was XXXX XXXX 2009. Yet till this day American Student Assistance is posting negative information and their customer service is unaware of federal regulations and ignore my submitted documents that I provided. American Student Assistance should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.
Product: Credit reporting or other personal consumer reports

Received a warning that XXXX different unauthorized credit inquiries occurred with XXXX. XXXX with XXXX and XXXX with XXXX ( both from CapitalOne ). These occurred on XXXX XXXX XXXX 

I have not applied for any new accounts or credit.
Product: Debt collection

I had become XXXX XXXX  and sick with XXXX. I XXXX and couldn't tell what was real and what was fake. I soon lost my job and went XXXX and lived in the XXXX   and I use all my credit cards to survive. I was XXXX  and XXXX  for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick and have XXXX along with a handwritten letter from my XXXX.

this debt is from when I was sick.

please remove for I can start fresh
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a charge-off account on my report. They replied to my previous complaint stating that my address and phone number were verified from public information and refused to delete inaccurate reporting. I request validation and they stated that it was an online application. I have the FTC Theft report attached and now filing the complaint for violation of my FCRA and FDCP Rights. Experian is also refusing to allow me to dispute this on the XXXX portal. Experian Report # XXXX. XXXX XXXX # Re : Account ending in XXXXXXXX XXXX XXXXXXXX Case : XXXX CFPB Case : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Request for Investigation and Correction of Inaccuracies Due to Identity Theft and Data Breach To Whom It May Concern, I am writing to formally report instances of identity theft and associated inaccuracies on my credit report, which were discovered following a recent data breach. I have reason to believe that these accounts are the result of identity theft, as I did not open or authorize these accounts. Under the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, I am entitled to protection against the reporting of inaccurate and unauthorized information. Therefore, I respectfully request your immediate assistance in addressing these issues and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Additionally, I am requesting that these accounts be thoroughly investigated and permanently removed from my credit report. 
Accounts in Dispute Due to Identity Theft : 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  These accounts were fraudulently opened in my name without my authorization as well as unauthorized fraudulent charges on my credit card on XXXX accounts. XXXX and XXXX I have taken measures to secure my identity and have attached supporting documentation, including a copy of my government-issued ID, my social security card, and a police report, to substantiate my claim of identity theft. 
Violation of the FCRA : The reporting of these inaccurate accounts violates Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA, which mandates furnishers of information to provide only accurate and verifiable information to consumer reporting agencies. The continued presence of these accounts on my credit report is causing significant harm to my financial standing and credibility. 
Request for XXXX : XXXX. I kindly request that you investigate and ensure the immediate deletion of the above-mentioned fraudulent accounts from my credit report. 
XXXX. Notify XXXX and other relevant credit bureaus to correct the inaccuracies and ensure the removal of all disputed accounts from my credit file. 
My Information : Social Security Number : XXXX Date of Birth : XX/XX/XXXX Enclosed are copies of the following documents for your reference : XXXX. My government-issued photo ID. 
XXXX. My Social Security card. 
XXXX. FTC Report. 
XXXX. Recent credit report highlighting the disputed accounts. 
Please let me know if you require any additional information or documentation to facilitate your investigation. I look forward to your confirmation of receipt of this letter and a timeline for resolution. 
Thank you for your prompt attention to this matter. Please contact me directly at XXXX or XXXX if further information is needed. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copies of supporting documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reported account that need to be taking off my credit because it was not working an it was taking my money not reporting my credit am not updating my amount after paying just taking the money an saying I didnt pay, Ive asked for these account to be taking off my account but all it was is close and taking down my credit from a XXXX to an XXXX score that is not ok an my money is wasted my credit needs to be back or my money need to be replaced
Product: Credit reporting or other personal consumer reports

On XXXX PREF LEASE placed an account ( XXXX ) on my credit profile without my written consent. this is a violation of the Fair Credit Reporting Act title 15 U.S.C. 1681a.
Product: Credit card or prepaid card

I have paperless billing and have always logged in online and paid my monthly balance due. On XX/XX/2020 I signed into my online account and paid my balance in full, {$3100.00}. Today, XX/XX/XXXX, I receive an email notifying me I have a payment due and a balance of {$850.00}. After my payment it appears that they charged the following : they back dated the following : XX/XX/2020 {$730.00} Finance Charge ; XX/XX/2020 {$730.00} Promo Finance Charge Adj ; XX/XX/2020 {$1200.00} Promotional to Revolving. I have always paid my payments by the online paperless billing. Unaware that I was going to be charged the thousands of dollars interest for a promotional plan I opted for 18 months ago. Since I chose paperless billing I never received any type of notification that the promotion was going to expire or when. I did not look at my statements online, I just paid my monthly payment. I have borrowed money to pay all my credit card debt and when I logged into my account on XX/XX/2020 I paid the balance in full, now, 4 days later I owe {$850.00}, how is that possible? I have been charged almost as much interest as what I owed on the account, I dont understand this at all and when I called the company they just patronized me explaining this is a banking, binding contract. I was never notified by any electronic means that the promotion was expiring on XX/XX/2020 and most importantly they did not charge me until after I paid my balance in full. This is not right that they did this without any notification. If they allow customers to accept paperless billing then they should send out notifications of like kind that promotional billing is going to expire. I had another credit card that would flag me when I made my payment that I had a promotion that was going to expire, so I knew I had to do something. In addition, they gave me 30 days from the date the promotion was going to expire to pay the promotional balance, and they did. I am very frustrated and believe this is wrong, I should have been sent notifications and I was not ; when I paid the balance in full the charge should have been on the account, not after the balance was paid. I paid 100 % what was owed on the account on XX/XX/2020, I should not owe anything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of the bureau had removed due to creditor made the agreement to remove from my file but been submitting XXXX and XXXX due to factual error from their ends but they keep updating without any procedures. These XXXX accounts made settlements for removal after XXXX XXXX  verbally but never kept their words. Every XXXX I sent a valid dispute but without proper documentation its updating/remains from their end.