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

Company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XXXX 2024 15. U.S.C. 1681 -2 Prohibits the provisio of inaccurate information about a consumer to a CRA. 
15 U.S.C. 1681b. Defines the permissible purposes for which a CRA may furnish a consumer report.

15 U.S.C. 604 ( f ) prohibits the use or obtaining of a consumer report, unless it is for the purpose authorized by the FCRA. 


I would like it removed from my credit report. The full account
Product: Credit card or prepaid card

On XX/XX/23 I charged {$2100.00} to XXXX for a hospital bill. I advised I was using my care credit card. When my statement arrived on XX/XX/23 there was no promotional period with deferred interest. I called Care Credit and was told the merchant must have entered the transaction incorrectly. 

On XX/XX/23 I charged {$470.00} at Lenscrafters for eyeglasses. I handed them my care credit card. When my statement arrived on XX/XX/23 there was no promotional period with deferred interest. I called Care Credit and was told the merchant must have entered the transaction incorrectly. 

I believe this is a pattern of deception in an effort to collect 26.99 % interest from me rather than permitting the typical XXXX months interest deferred promotion. 

I have cancelled my card due to their deceptive practices and want to file a formal complaint. I will take a personal loan so as not to pay the predatory interest rate that was forced upon me. I have been a loyal customer of Care Credit for more than XXXX years and did not expect this treatment.
Product: Credit card

Synchrony sent me a communication stating that a {$1.00} fee will be applied if I choose to receive paper statements. For some paper statements are important to keep track of account statis, versus e-mails that can be easily missed.
Product: Bank account or service

I have XXXX separate accounts with the Santander bank so as not to co-mingle funds for a XXXX property that I own. I recently deposited a check into my personal account. That check was returned for insufficient funds however it was charged to an unrelated account. 
I 've contacted the bank and explained that I did not want funds comingled however, the bank representative stated that this was " not best practice '' but legally acceptable. 
By doing this this bank has reduced the balance in this account to a very low level and has put me at risk for insufficient funds in this account only. If they would only correct their mistake and use the proper account there would be no issue.
Product: Student loan

In working through a very long process of payment options with Navient for my account, since XXXX of XXXX, I was approached with a settlement offer this XX/XX/XXXX, that was not feasible. In reviewing my account during this process, it was discovered that the actual amount of money that was disbursed to XXXX XXXX XXXX  By Navient was less than the original value of the loan, that I had been paying exorbitant interest rates on since XXXX. I brought this to their attention, and stated that this changed the amount owed, and would change the settlement offer. In their response, they stated that accounting errors did not matter, nor would it change the settlement amount, that the info missing on percentage rates and the difference in loan value and disbursement no longer mattered since I was in default. ( due to bankruptcy ) As I disagreed with that statement, paying interest on a higher amount than actually was given to the college, was illegal, and would also change the amount of the settlement, because the settlement currently on the table was 37 % of what I still owed. I have paid XXXX dollars so far, the amount disbursed to my account starting XXXX was XXXX which they are stating was XXXX. ( all disbursement amounts are viewable on my portal, and they refused to look at the data, they stated that they, Navient doesnt make accounting errors, and I had to be wrong ) Though the data was coming from my Navient portal. They have refused to address that issue. Correspondence with this particular department of Navient, has been going on since XX/XX/XXXX, document requests and rectification of the accounting error was on XX/XX/XXXX via email, as well via phone conversations XX/XX/XXXX and XXXX. Navient was offered to accept a different amount of settlement, and disagreed every time, stating the errors in disbursed amount did not matter, and did not address it. As well as on XX/XX/XXXX, they quoted an interest rate they were charging me, that was actually lower than the charged amount on the XXXX documents,, ( the only accessible bills are XXXX ) They were very combative, unwilling to work with another amount, unwilling to look at the data, they degraded me, and blamed me for their errors. And said that none of this mattered. ( through out the life of loan, I continued to seek assistance to pay my loan with a better rate, the only program Navient would ever off me, was one, where they knew my loan would never be paid down, but they would continue to receive money from me monthly. ) Navient is stating I still owe XXXX, XXXX, though per data accessible to me I owe {$30000.00}, even with the XXXX dollars they have seen since repayment began.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.
Product: Credit card or prepaid card

I have a TD Bank " home inspiration '' credit card that I make flat monthly payments on for a furniture purchase - the account was opened in approximately XX/XX/XXXX. My monthly payment is {$94.00}, and I have paid it every month without fail. However, I was assessed a late fee in XX/XX/XXXX and then, when I didn't pay that, another one.I found this out when received a letter from a collection department at TD Bank in approximately XX/XX/XXXX. I had been locked out of my online account and was simply paying the {$94.00} monthly installment. After I received the letter, I found out when I contacted customer service on XX/XX/XXXX that this was allegedly because I made my XX/XX/XXXX payment " too early '' so it was credited to XX/XX/XXXX. When I pressed, the agent, she was unable to clearly answer what date was " too early, '' but told me they would waive the original late fee. I asked for the subsequent one to be waived as well and, after speaking with a supervisor, she said she could do that. She advised me to pay the {$94.00} that was still showing as outstanding ( since the installment payment I had made went to principal ), and I agreed to do that right away, and made a payment on my TD account website that night. When I checked my account again a couple of days later, it still showed that I owed {$62.00}. I sent a message on XX/XX/XXXX through the TD account website, and received a message back saying that a {$38.00} late fee was being reversed for me as a one-time courtesy and that I should allow one billing cycle for it to show. I was concerned that I was going to be assessed yet another late fee so, on XX/XX/XXXX, I made a payment of {$62.00} to try to XXXX out whatever was going on with the account. I then also made my usual {$94.00} installment payment on XX/XX/XXXX. However, when I looked at my account today, I have been assessed two more late fees - one on XX/XX/XXXX, and one on XX/XX/XXXX, both for {$38.00}. At this point, I have made not only an extra {$94.00} payment, but have also paid {$62.00} in late fees that should NEVER have been assessed, since the only thing I ever did " wrong '' was make a payment too soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any  information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Dates : XX/XX/2018 - XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

According to the FCRA Laws 15 USC 1692c : clearly states that if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease ALL COMMUNICATIONS. This is a violation and statutory damages can occur.

Please remove/delete these two account below from my credit report. 

1. I C System 2. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 & XX/XX/2018, I XXXX XXXX sent Equifax, XXXX, & XXXX detailed dispute letter ( s ) referencing the inaccuracies listed on my credit report. 

The report detailed inaccuracies in items reporting negatively that should not be, Collections that are not related to me, Late Payments, and unknown inquires.
Product: Student loan

In XXXX, I received a bill for {$740.00} from Navient. On XX/XX/2019, I called and expressed my concerns for repaying the student loans. I shared that the monthly payment is way too high for me and I just finished taking graduate classes in XXXX. I expressed that I could only pay {$100.00} a month. Im not making enough money to pay them that much and other expenses. They denied my request for forbearance and they attempted to lower my payment. The lowered payment was around {$500.00}. I shared that I still can not afford that payment. When the bill was due, I paid {$50.00}. The customer service rep told me that wouldnt help and I expressed again that I cant afford the monthly payment. XX/XX/XXXX and XX/XX/XXXX I paid {$50.00}. On XX/XX/XXXX, The company is threatening to report the status of my loans to the consumer reporting agencies on XX/XX/XXXX. I have been paying what I could afford and theyre still asking for the full amount of {$740.00}. Ive talked to multiple representatives and none of them are understanding about my financial situation. I even tried to refinance the loans with the company and I was denied.
Product: Money transfer, virtual currency, or money service

They say pnc won't allow them to link to my account. I don't understand why? They have before and I log in right and everything is working fine besides pnc not allowing them to link to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Student loan

Loan was transferred to MOHELA and payments did not continue for 7 months. They only started again when we called. This contradicts the communication from XXXX XXXX which stated our payments would continue and NO ACTION WAS REQUIRED ON OUR PART! 

Just missed out on {$8000.00} worth of payments interest free! 

This feels like an intentional act. What happened to the TRUTH IN LENDING requirements? 

MOHELA stated we will have a new account number. The representative gave us the SAME ACCOUNT NUMBER. 

What has happened with this transfer of data??
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. 

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Debt collection

This number called and did n't say anything. So I called back and asked for social security number. I asked what it was for and she told me company name is XXXX. I let her know I did n't know them and what was this about. She then transfers to Virginia. Got voice mail.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXXXXXX 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 or other personal consumer reports

This situation is instant investigation along with not allowing me to view my credit report.
Product: Student loan

In XXXX of XXXX, I reviewed the new waiver for the XXXX XXXX XXXX XXXX program. Part of this new waiver stated the following : " If you have XXXX XXXX XXXX XXXX ( XXXX ) Program loans, Federal XXXX Loans, or other types of federal student loans that are not Direct Loans ( e.g., those from older loan programs, such as Federally Insured Student Loans [ FISL ] or National Defense Student Loans [ NDSL ] ), you must consolidate those loans into the Direct Loan program by XXXX XXXX, XXXX. '' ( XXXX XXXX XXXX ) In XXXX of XXXX, of my XXXX loans, XXXX of which were consolidated years previous when I switched loan servicers, were forgiven as a result of the waiver. 

However, I have since learned that had I consolidated all of my loans together, the highest payment count would have been applied and my entire debt would have been forgiven. 

As of today, XX/XX/XXXX, XXXX now has addressed this specific situation in the " Question and Answer '' section of their site. This information was not available in the fall and has been continually updated as the DOE and XXXX servicers continue to work through this process. The initial reference to their Q/A portion of the DOE website was first announced on XX/XX/XXXX ( reference attached ). 

Regardless, I and countless others were misled into thinking Direct loans did not need to be consolidated. This lack of clarity is on the DOE and student loan borrowers such as myself should not be a victim of it. 

*Attached are all of my records of emails and complaints filed with the DOE and FedLoan as well as their responses.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card by XXXX XXXX XXXX ( PARTIAL ACCOUNT NO : XXXX .... ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.
Product: Debt collection

The company continues to call me, saying I owe although I 've made a payment in full.
Product: Debt collection

Calls several ( more than 2-3 ) times a day during work hours. Does not leave message. Calls from several different numbers. I have never received written correspondence.
Product: Debt collection

I have fallen past due on my credit card a couple of months. I have been paying but not the full amount. I am only behind 1 month now and only for {$240.00}. Not a substantial amount but still behind. I have been receiving calls and voicemails daily, literally daily and that includes weekends. Have made payments to prevent myself from falling multiple months behind but I still get calls every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had an issue with all 3 major credit agencies. XXXX, Experian and XXXX. I've called each agency personally about alot of debt collection.I explained to them that I did not do any of this and I would like for them too remove all the debt collection on my reports. Ive sent in affidavit letters and police reports letting them know it was fraud.They all refused too assist me with this matter telling me too call all of the companies. I told the agencies this is why I'm trying too dispute with you. XXXX screwed up my account so now I don't have access too my credit file. I was on the phone with them for over 2 hours trying too see why I have duplicate credit files. They claim it was some kind of glitch in there system. Spoke with XXXX and they also said they have had issues with glitches as well. I'm so frustrated at this point I don't know what else to do but file this complaint with you guys.
Product: Mortgage

In XXXX. XXXX, I only paid {$450.00} of the {$990.00} payment. Work has been slow, and I could only pay the {$450.00}. The website for Fay Servicing says if you are having difficulties due to the COVID 19,  please let them know, so we did. We immediately received papers in the mail about Foreclosure over {$540.00}. I have been doing odd jobs, and my husband has been trying to work as much as possible to keep up with the demands of not having as much work as normal. On Friday XX/XX/XXXX, I tried to make a full payment of {$990.00} for the month of XXXX, and I can not process a payment online. The account has been fixed so that when I log in, I am not offered a place to make the payment. So, I waited thinking the website for payments was down. I tried again on XX/XX/XXXX, same scenario. I even tried today, Sunday XX/XX/XXXX, and I still can not make an online payment. I called the pay by phone number, and I gave permission for them to debit my account with my bank account, how much I was paying, our account number, etc. The computer said I had to say YES so it would accept the payment, so I did, and it came back saying it could not process my payment, and hung up. 
I will admit that I never pay my payment on the first day of the month when it is due, because I don't have a real job where I get a paycheck every week, my husband and I XXXX  a very XXXX XXXX. We get paid when someone else pays their invoices. But when I do have money, I'm not understanding why I can not make a mortgage payment late or not. 
The house I live in needs all kinds of work to be considered livable without a lot of expenses, it was built in XXXX, and everything about it is expensive, but we do not have the credit, nor savings to do anything about it. Everything I make or am given as a birthday present, goes into making this mortgage payment, and its very upsetting when the Mortgager will not allowed it to be paid, unless we call and talk to a person who will then charge me another {$9.00} to process it.
Product: Mortgage

We're the seller of a house that the Lender ( Renasant Bank ) in question is funding for the buyer. The lender did not disclose that they were helping the buyer use a Program called Georgia Dreams, which gives some kind of assistance to a first time home buyer. This particular assistance program involves a lengthy process that can last up to an average of sixty days, according to information on the program website. 

The lender only let everyone know about this exception on the date of the closing that it wasn't going to happen, which is not acceptable. 
Because the lender gave no warning to any of the parties involved, the closing date has passed with no end in sight. We can no longer fund the purchase of our new home and the seller of that house will likely bail out and look to sell to someone else. 

If the lender had disclosed that the closing would not be on time and in fact would likely take weeks longer than normal, we would not have made a house offer that we couldn't complete without the funds from this sale. 

Their actions have caused a cascading effect which is not only frustrating but economically devastating to several parties.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report.
Product: Checking or savings account

My husbands 's salary is set to direct deposit ( {$3400.00} ) to my personal Revolut XXXX  checking account has been " pending. '' They are hassling me about the source and purpose of this money. I supplied the last 3 earnings statements and they are still withholding this deposit. 
Money was to be deposited XX/XX/2020. They do not appear to be in any rush to solve my problem ( not solved as of the writing of this complaint ). The money has not been unfrozen - and they do not want the direct depositing of his salary to my account ( Revolut does not offer joint accounts - that is why he is not listed on the account ).
Product: Credit reporting or other personal consumer reports

I understand how important it is to make timely payments. However, I missed my payment because XXXX. But Im confident this wont happen again. As you can see from my account history, I have a long record of on-time payments before and since the late payment. 
As a courtesy, I respectfully request that you make a goodwill adjustment to remove the late payment on [ XX/XX/year> ]. Please consider my track record as proof that I take my financial obligations seriously.