23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

attempted to make a payment through the app and was locked out due to ridiculous security measures. Attempted to pay online and was also locked out of account. Had to call several times to be able to make my payment and now they have reported a late payment on my account. I have had the account in good standing for over five years with never missing a payment and when contacting company, was told they could not help me. I have never received a credit increase offer from this institution and their lack of understanding in the middle of this covid crisis is abysmal. I am irate with the business and ask that they remove the only missed payment from my credit report over over 300 on time payments. I have since payed off my balance on this account and am strongly encouraged by these actions to close the account and never use this institution again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine and i want them to be removed from my credit report in the 3 credit reporting agencies. See bellow which are the accounts : 1. Identity Theft JPMCB CARD XXXX This is not mine 2. Identity Theft XXXX XXXX  XXXX XXXX This is not mine 3. Identity Theft XXXX XXXX XXXX This is not mine 4. Identity Theft XXXX XXXX XXXX This is not mine
Product: Debt collection

Called Receivables Performance Management LLC because a new collection popped-up in my credit report. I spoke with an initial representative and told her I wanted to pay the bill but I had some questions about the credit reporting, since they never contact me either mail or phone, I never had the opportunity to pay it or dispute it so I was asking for the deletion of the trade line on my credit report. 

I ended speaking to a " manager '' a lady who pushed me very hard to try to collect the debt, I explained that I want to pay the bill but is unfair for me to keep a collection account that I never knew about it and I was asking for the deletion on my credit report. This lady just wanted to get my credit card number, at some point I thought this was scam but I got the phone number from my credit report. 

The " manager '' threat me with destroying my credit since " I am refusing to pay the bill '' I clarify her statement since that wasn't true, I was asking for time to think about keeping a paid collection in my credit report, I told her I never received a letter form them and she said they mailed to my address, but then she changed the name of the street ( more suspicions to think it was scam ) In a recording call she changed the name of my street address and claimed they sent notifications. She ended the call telling me SHE WILL NOTE IN THE ACCOUNT THAT I AM REFUSING TO PAY AND IT WILL DESTROY MY CREDIT.
Product: Student loan

I was told by Navient that I could lower my interest rate by .25 % for signing up for automatic withdrawals/payments. I did so the day before my bill was due. Previously, I could make a payment before my payment due date and it would not turn into forebearance because the date of payment was before the due date, even if money was not transferred until after the due date. However, Navient pushed my account into forebearance for the 3 business days it took for automatic payment to start. This resulted in several XXXX dollars of default interest accrual. I called and requested assistance, as I had never before had this issue and certainly had never defaulted on my loans. Nevertheless, Navient essentially told me that it was my fault for not realizing that he date of payment would not matter for automatic withdrawal, only for standard payment. Several XXXX dollars for ( an extra XXXX $ / month for the next 6 years ) because they did n't take the money out of my account fast enough seems really unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may Concern Company involvement names XXXX XXXX XXXX. The problem is have with them i Asked for them to provide a Signed agreement with them and My Name. The company Named above have been unable to provide Such agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter demanding the procedures used in determining my debt, and validating my debt, and dismissing my claim because they said it was computer generated and it wasn't really me making the claim when it was. I am exhausted from these immature tactics, and I demand that they stop making false claims in order to avoid doing what I asked which was to validate their claims about this debt being real. I feel like they're using stall tactics becausee they are out of compliance. 

I've sent in letters addressing this and I have not received a response yet, I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. Please have these accounts UPDATED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I got the car in XXXX of 2023 from a used car lot in Arkansas. Three months go by and it completely stop working out of nowhere. I called the company and tell them its a problem with my vehicle. They call me back and told me use my insurance to have a diagnostic test done and then they can go from there. I stated to them I'm not using my insurance for a problem that fell under their warranty. So they tell me have my insurance tow the car to their facility. Once again using my insurance to so something that they are suppose to do was not what I was told to do before I left the lot. They finally came and got the car and I am asking them when will they fix my car. They told me that I would have to come all the way to Arkansas and sign a paper so they can see what i have to come out of pocket to get fixed. So i stated to them that nothing should be coming out of my pocket and I need my vehicle fixed. They had my vehicle a month almost and still wanted a payment. I told them I would make a payment when they fix my car that was sitting on their lot int heir possession. They refused to fix it and told me that would be considered a repossession even though it was not a repossession.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I identified an unauthorized account from XXXX XXXX XXXX, originating from XXXX XXXX listed on my TransUnion credit report. I have never established any account, submitted an application, or engaged in any business dealings with either entity that would provide them a permissible purpose to access or report on my credit file. This account was opened without my knowledge or consent, and I believe it to be a result of identity theft.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the following protections : 15 U.S.C. 1681b : This section limits access to my credit report to only those with a permissible purpose, such as my explicit authorization or an existing business relationshipneither of which applies here.

15 U.S.C. 1681c-2 : This mandates that credit reporting agencies block information resulting from identity theft upon proper notification, which I am providing through this report and my filing with IdentityTheft.gov.

15 U.S.C. 1681i : This requires TransUnion to promptly investigate disputed information and remove any data that can not be verified as accurate or authorized.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX Subject : Request for Deletion of Paid and Closed Account Due to Negative Impact on Credit Score Dear XXXX XXXX XXXX  XXXX XXXX I am writing to dispute the information reported regarding my account with your bank. This account, opened on XX/XX/XXXX, has been paid off and closed, with a XXXX balance. However, despite the account 's closure and balance resolution, it continues to be reported as affecting my credit score, which is an unfair and incorrect representation of my credit history. 

Reported Balance : {$0.00} Account Status : Paid and Closed Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Amount Past Due Reported : XX/XX/XXXX This account is continuing to negatively impact my credit score, even though there is no remaining balance and the account is closed. According to the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be completely removed from my credit reports due to the fact that it is inaccurately reflecting a past-due status and harming my credit. 
I kindly request that you promptly delete this account from all credit reporting agencies. Please provide proof of its removal within 30 days, as the current status is severely affecting my credit score and hindering my financial progress. 
I look forward to receiving confirmation of this removal in writing within the stipulated time frame. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

Hope this email finds you well. I am writing in regard to issues I have with my account, and I am in search of transparency, assistance and resolution. My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX XXXX my loan was actually deferred for various periods but this is the time period I have an issue with ). However when reviewing my credit file I noticed that my student loan payments were marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports - all three bureaus ). Aside from allowing students to defer a student loan payment for a specific period, a deferment should also protect borrowers ' credit rating while they are facing financial hardship or are in school. 

I have contacted XXXX several times regarding this matter and I keep getting the runaround. I was told by one of your reps to file a dispute with the credit bureaus, and when I filed the dispute, XXXX told the credit bureaus that the late payments were correct, even though my loans were in deferment - this is where the questionable business practices begin. I then contacted the office and asked for a letter that outlined my deferments, and received a letter that did not include all of my deferments - they ironically left off the years I was inquiring about. Then, I contacted the office and asked for a manager and was referred to XXXX XXXX who sent proprietary internal information ( screenshots from your database ) so that I could decipher my deferments on my own using a reference key that she provided ( see below email thread ). 

I am not sure what your best practices are but this is extremely frustrating to borrowers. It seems as if borrowers are penalized for deferring payments - this entire experience has discouraged me from taking advantage of something that is supposed to assist me in hardship because of the negative impact it is having on my credit worthiness. In many ways, these practices seem to be in violation of the Truth in Lending Act. During this pandemic, the last thing consumers need is to be penalized because they are facing hardship. 

I ask that XXXX correct the erroneous late payments ( 12 total ) for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These months should appear as paid on time per my approved deferment from XX/XX/XXXX to XX/XX/XXXX. Please be honest, and provide the credit bureaus with accurate information when they contact you, and remove the 11 incorrect late payments from my credit file. Attached to this letter I have included : -The attached screenshots from XXXX  -The letter from XXXX  -And the dispute letters from the three credit bureaus Please let me know if you need any additional information from me to assist in remedying this situation. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent and my identity was used. I even have proof from the creditors and Equifax keeps believing them. Of course they are going to say it matches me, someone took my identity. 

- Medical collections account - XXXX XXXX XXXX - Both XXXX XXXX XXXX accounts listed
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. 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 719XXXX has me at a score around 590. 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 n 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 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 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 XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

No contract Company Refused to COMPLETELY validate the debt per federal guidelines Insufficient response
Product: Credit card

I have been working with Macys XXXX XXXX since I received a statement in XXXX with a {$490.00} fraudulent charge. Ive talked to at least 4, maybe 5 representatives, all with deep foreign accents, I live in Ohio and speak and understand XXXX. Each time I have to repeat my story as if the person before, whom I spoke to for over an hour didnt take notes. My case was recently closed on XX/XX/XXXX with a letter stating I have the merchandise and didnt return it. I have no merchandise, never did, so there is nothing to return. I mailed in quite a bit of information to Macys XXXX XXXX, so supposedly they are opening my case back up. Macys customer service told me back the first of XXXX to not pay the fraudulent charge and that there would be no interest fees attached. Now I just received a statement with interest fees attached. They did say yesterday they would wave the fees. They can not seem to be able to reach this fraudulent company either. I cant with the number that Macys XXXX XXXX provided to me. The name of the company is XXXX. It used to be a legitimate company charging around {$39.00} for a year of computer back up service. Once I no longer had a computer in XXXX of XXXX I sent them an email stating I no longer had a computer so please cancel my service. They did not have a phone number that I could find. They tell you to email them to cancel, which I did. I was never charged a ridiculously high charge of {$490.00} ever. Since Ive found out it is no longer the company I thought, that it is a fraudulent company that takes money and offers no legit service for and cant be cancelled. I expect my credit card to help me when I call them immediately for help, not drag me out for months!
Product: Payday loan, title loan, or personal loan

BMG MONEY REFUSE TO UPDATE MY CREDIT REPORT I BEEN MAKING PAYMENT ON TIME AND THEY WILL NOT UPDATE. I STARTED WITH THIS COMPANY ON XXXX XXXX NOW 4 MONTH LATER I M STILL OLD THEM XXXX. SO THEY ARE TAKING MY ALLOTMENT XXXX BUT NOT APPLY TO CREDIT REPORTING AGENCY. I PULL THESE DUCUMENT FROM THERE WEBSITE WHERE THE PAYMENT ARE APPLY ON THERE WEBSITE BUT NOT TO THE CREDIT REPORT AGENCY. MY BALANCE WENT UP XXXX DOLLARS LIKE I M NOT MAKING PAYMENT.
Product: Debt collection

The charge commonwealth financial has been calling me incessantly everyday at all hours of the day and have sent a letter trying to collect a nonexistent debt. They have sent a report to the credit bureau. The charge first came into the credit bureau by them XX/XX/XXXX. No time before has this ever been on my credit record. They are claiming a hospital stay in XX/XX/XXXX was not paid and that the hospital has not been able to collect. The hospital has not ever sent me a bill in that quantity. I was insured at that time by united health care and they covered my bill at that time. This is the first time I see this charge. They claim to have bought this " debt '' from a company called XXXX ...
Product: Checking or savings account

I started a Savings and Checking account with Chase in XX/XX/2016. When I started the account I was never told there will be a monthly fee for the savings account. I primarily managed the checking account on a regular basis and didn't really manage or monitor the savings account as I didn't really have a need for it. I recently found out the bank was deducting $ XXXX/month from my savings account as 'Fees ' which I wasn't aware of. I complained to the bank that the fee was never disclosed to me and the branch manager credited {$60.00} to my account and stopped taking the monthly fee from my account. He said he could reimburse only up to 3 months of service fee and if I needed more I would have to escalate. I escalated the issue as they suggested and after a lot of discussions going back and forth they reimbursed another {$60.00}. They had deducted a fee of $ XXXX/month for 15 months ( {$300.00} ) and they reimbursed me {$120.00} when I complained. I believe Chase should reimburse the entire amount they charged me as the fee was never disclosed to me when I opened the account. I am hoping the agency will investigate this and hold Chase accountable for over charging their customers without their permission.
Product: Credit reporting or other personal consumer reports

Midland Credit Management , Inc. bought an old credit card account from XXXX XXXX Bank ( XXXX ), XXXX. and filed a balance in excess of {$11000.00} on all XXXX credit bureaus back in XXXX. XXXX Account XXXX XXXX. It is over 7 years and they still refuse to remove it. They continue to send me collection letters. Last one received in XX/XX/XXXX. I filed complaints with cfpb XX/XX/XXXX on this XXXX XXXX # XXXX, # XXXX and # XXXX all in XXXX. It is now 11 years later and still reporting on my XXXX credit bureaus and sending collection letters to me. 

I would like this information removed from all credit bureaus. Midland Credit Management has duplicated the original account from XXXX and modified the dates on the credit bureaus.
Product: Consumer Loan

We went through Home Depot 's project loan, representative XXXX XXXX, to have our roof replaced this summer. They hired contractors ( XXXX XXXX XXXX ) that not only caused {$15000.00} dollars worth of siding damage while taking 2 extra days to complete the job, they were also drinking alcohol while doing our roof. We received an offer from that contractors insurance company for {$7500.00} half of what it will cost to have it replaced. Home Depot called us this morning and said these exact words " We stand behind the contractors insurance '' which means Home Depot is not going to do ANYTHING to fix or make this situation right. We still owe and need to pay the {$14000.00} for the replacement of the roof AND now come up with the {$7700.00} to fix the siding. We 've been in touch with XXXX XXXX and XXXX XXXX from Home Depot in regards to the price of the roof and nothing there has been handled or changed price wise. Not only has this been stressful but has been a financial hardship for us.
Product: Vehicle loan or lease

I have a car loan with Exeter Finance. They told me that they only recently allowed people to start making payments towards the principal of the loan which is shady customer service. 
I made an extra XXXX $ payment but because I did it on the website they said they wouldnt put it towards the principal because I did not call it in. Which they never told me I had to call it in. Then on XX/XX/2019 I called in an extra payment towards the principal of my loan for {$100.00} even. And I especially told them I wanted it to go only towards my principal and all they did was apply it to my account and change the date of my next payment. I called them and told them to fix it but it's taken multiple calls, and days to fix a simple issue. I do not trust them and will not be doing business with them in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from collections and was informed that I needed to make a payment for XXXX XXXX XXXX XXXX. I have never lived there in my life and was confused with what was happening. I then decided to pull my credit and saw many fraudulent accounts under my name. These accounts do not belong to me. Please remove them from my credit report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX, XXXX. 
XXXX {$120.00} XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX {$300.00}