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

I have been sending correspondence to XXXX since XX/XX/XXXX to have them validate and verify some of the accounts on my credit report. I sent them 3 different letters, each one month apart giving them the chance to resolve the issues. It is my understanding that in order for them to report accounts on my credit reports, they must be able to verify and validate those accounts. They never sent me anything on how the account was validated or verified even after I asked them on several occasions to do so. It has been over four months and there are items that are still on my credit report that I asked for verification on my first letter on XX/XX/XXXX. I would like all of those items off of my credit report since they have been unable to verify that those accounts actually belong to me. I am aware that they have 30 days, plus an additional 15 days to do so and they have failed that time frame. The accounts are on the letters I will attach. They sent me reports over and over saying the accounts were verified and remain on my account but never gave me proof of verification, like I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Cavalry portfolio services ) This company pulled my credit report with out me giving them my consent. 
I called them and they keep saying they did n't but it 's clear they did because its on my report.
Product: Student loan

Nelnet loan company was taking {$50.00} a month out of my account for XXXX years. I got a letter in the mail last year that they sold my loan to XXXX XXXX XXXX  but Nelnet continue to take the {$50.00} out of my account. Even though they no longer owned my loan. I had to call my bank to block them from taking funds out of my account since they no longer owned my loan. My bank did an investigation and returned all the money to my account.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a complaint against Synchrony Bank for a promotion they offered, spend {$500.00} between XX/XX/XXXX and XX/XX/XXXX on non Gap brands and receive a {$50.00} gift certificate for XXXXGap. I called the bank/credit card company numerous times and could not get this {$50.00} credit. On XX/XX/XXXX I filed complaint # XXXX. A representative of the bank called me a short time after this and said they would look into this offer and get back to me. That was 5 weeks ago and I have not heard anything further. Looking at your CFPB site, I now see they have closed my complaint. 
THIS IS NOT CORRECT. I have not received my {$50.00} credit or heard back and they have no right to close this complaint. 
I can not spend more time on this and receive another patronizing phone call. Five weeks was plenty of time to investigate my complaint. I need to receive my {$50.00} credit now. 
XXXX XXXX
Product: Vehicle loan or lease

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 ( MONTHS 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 21 days before the payment due date. 


( XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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: Student loan

I have both private and federal student loans with Navient. There are two issues that need to be addressed. My credit score recently dropped XXXX points because Navient mistakenly reported I owe a {$520.00} payment! My payments to Navient are auto debited on time each month, twice a month.I immediately called Navient to inquire about the supposed missed payment of {$520.00}. They checked my account history and showed that I was current on my accounts and they had no idea where {$520.00} was coming from. I check my credit regularly with XXXX XXXX and am attaching documentation. I also called XXXX to verify that my score had dropped and they confirmed it had recently changed and they were showing that Navient was reporting a payment due of {$520.00}! I would like Navient to report to Equifax and any other credit bureaus that I do not owe a payment of {$520.00} and they mistakenly reported that payment due and tell the credit bureaus that I am and have been current and on time with my payments to them. 
The second issue concerns making payments to Navient where the majority has been applied by Navient to interest and a minimal amount toward the principal. I am attaching documentation of my recent payment history with Navient. I 'm specifically speaking of payments made on XXXX a payment of {$200.00} was made and only {$62.00} went to principal. Two payments made on XXXX one for {$150.00} where only {$1.00} went toward principal. The other payment ( on same day ) for {$60.00} where only {$0.00} cents went to the principal! These payments were made less than 10 days after the loan payment was due and paid. So the majority of those payments minus 7 days of interest should have gone to principal. And again, another payment for {$200.00} on XXXX/XXXX/2016 where only {$53.00} was applied to principal! This is not an ethical business practice. They are ripping me off and making it impossible for me to pay my debt down. I 'm at a 4 % interest rate on my private loans and a 6.5 % on my federal loans. I would have to be upside down with an outrageous interest rate for my payments to be applied the way they are applying them. I want Navient to scrutinize my payment history, especially the payments I have specifically pointed out here in this complaint, and fix this by going back and applying the money from my payments to the principal as it should have been done when the payment was made. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

While monitoring my credit reports I found several fraudulent inquiries on XXXX XXXX, Equifax, and XXXX. Even though I paid to have all three credit agencies to lock or freeze on my reports, to my dismay, someone was still allowed to solicit credit in my name and was granted a XXXX cable/internet account in my name in XXXX CA. This is despite the fact at the time I had a valid XXXX account in my home in Washington, which had been active for years. Needless to say I no longer use XXXX.

I called each company and informed them of the fraud. I also asked them why they did not contact me in accordance with the credit locks that were in place. I asked all of the companies to remove their inquiry from my credit report. I also contacted XXXX XXXX, Equifax, and XXXX  to inform them of the fraud and requested the inquiries be removed. I also disputed the inquires via one of these agencies online form to no avail. XXXX XXXX and one other creditor honored my request and removed the fraudulent inquiry.

The majority of the fraudulent accounts were initiated with a XXXX  CA address. I contacted XXXX PD and reported the fraud to their Financial Crimes division. They opened a case.

Months later XXXX   discontinued my service and claimed I owed them over {$900.00} for service in XXXX  CA. I explained to them that I contacted their office in XX/XX/XXXX about the fraudulent inquiry. Yet it turns out they gave the perp an account in my name despite my informing them. After trying for more than a week to have XXXX correct this issue, I filed a complaint with the PA Attorney General. XXXX eventually apologized and removed the collection from my reports.

Currently I still have several fraudulent inquires on all three credit reporting agencies even though I have asked the companies and the agencies to remove them. I would like to have every fraudulent inquiry removed. XXXX XXXX fraudulent inquires : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  fraudulent inquiries : XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX  XX/XX/XXXX XXXX   fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Please note, I currently have an active XXXX XXXX  Card and an active XXXX XXXX Card. The fraudulent inquiries cited above are NOT associated with my current active accounts. One of which is more than 14 years old.

Thank you.
Product: Payday loan, title loan, or personal loan

I needed a small loan to keep my mortgage up to date as I was dangerously close to foreclosure, so I reached out to One Main Financial Group and got approved for a loan based on my income and assets at the time. The process was fine for a while until my XXXX Payments were discontinued and then my ex lost his job and stopped making payments of child support and alimony, that put me at quite a disadvantage financially ( - {$3000.00} ) as now I was still behind in other payments as well as the loan making less than half of what I was making before. At first I communicated my issues and tried to make up the difference but I just couldn't afford it. I was barely putting food on the table. Eventually I was served a Summons to appear in court, I attempted to file an Answer several times with the state of Illinois but they kept sending the paperwork back with no instruction of how to do it properly, I even called the Circuit Clerk and she said the E-filing system was just a tool that they offered and how to navigate it was a mystery to them. I filed at least 7 times and was rejected every time ie : one such rejection was because the file was uploaded upside down. I spent alot of money and time trying to Answer the Summons but to no avail. I mistakenly assumed that my attempts would at least be noted but in dealing with that I missed the court date and of course now in default. Now One Main is threatening to garnish my checks for an astronomical amount that exceeds the original loan. What can I do?
Product: Credit card or prepaid card

I have a Delta Platinum credit card through American Express that awards me with a companion certificate every year in return for a higher annual fee. 
I have tried twice now to use the awarded companion certificate, but due to the excessive red tape around this product I have been unable to use the certificate. It is now set to expire in two weeks and I do not have any travel plans within that time. 
The first time I tried to use the certificate was the end of XX/XX/2019. I had a business trip to XXXX, TX and decided to bring my wife along and spend the weekend exploring. I had a flight credit to pay for my ticket from a previously cancelled flight ( also paid for with the Delta Amex card ), but I was told I could not use the companion certificate for my wife 's ticket because I was using the Delta credit for most of my ticket. I was told I have to purchase the full ticket with my Amex card in order to use the companion certificate. I did purchase the original flight using my Amex card, but unfortunately it was cancelled and I was left with the Delta flight credit vs a credit back to my Amex card. 
The second time I tried to use the companion certificate was on XX/XX/XXXX for a quick weekend trip with my wife to XXXX California. This was a last minute decision and we were wanting to leave that same weekend. I was told I could not use the companion certificate because the flights I was trying to book were too soon. Apparently there is a rule within the excessive red tape that Amex sets up that says companion certificates must be booked two weeks prior to the flight. I can understand why this rule would be in place, however, seats were still available on the flight when I was trying to book even though it was just days before the flight. Why shouldn't I be allowed to use the certificate that has been awarded when there are still seats available? 
My general complaint is that the marketing done by Amex and Delta around the companion certificate award is clearly unfair and deceptive. I pay a higher annual fee every year for this card because of the companion certificate benefit. Amex then creates so many restrictions and red tape around this certificate that it makes it almost impossible to use. I would not be surprised if there are many other customers in my same situation that have paid a higher annual fee and have had annual certificates go to waste because they were not used within the unrealistic rules set by Amex.

Additionally, I filed this same complaint over the phone with Amex and was told that th
is will be escalated as need and I will likely receive a response in 6 to 8 weeks. Let me repeat that, 6 to 8 weeks!!! How is that adequate customer service???
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$100.00} XXXX  XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

Pnc acquired our accounts in merger & buyout -- our banking with bbva has been great. Pnc has repeatedly locked me out of online banking, terrible wait times for tech to help me get in -- 1 time i was told she couldn't find my personal accounts -- after i provided the numbers! They sent no debit cards, but that # or pin is needed to unlock access. Our joint accounts require my husband to give the rep his permission for them to help me! Ive done online banking since 2001 -- never had any problems like this. Ive read numerous complaints from others online. We are changing bank as soon as we can. Did our bills get paid for XX/XX/XXXX as usual? Nooo because I was locked out & website takes me in circles, with no resolution.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX The inquires are not a factual report of access to my credit report, it was placed on my credit report my mistake. I have contacted the companies and they do n't know who I am. 

These are mistakes look at how may inquires there are IT IS INSANE TO THINK THAT SOME ONE WITH MY GOOD CREDIT WOULD DESTROY IT LIKE THIS ... .THINK ABOUT IT????? 
REMOVE THE INQUIRES DO NOT USE THE e-OSCAR system give this call to a supervisor TO REMOVE THE INQUIRES PER THE FCRA SHOW HOW THE INVESTIGATION WAS DONE DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE!!!!!!!! 
DELETE XXXX DELETE XXXX DELETE XXXX XXXX DELETE XXXX THEY DOD NOT KNOW WHO I AM AND HAVE NOTHING TO SHOW I APPLIED FOR CREDIT. I DID N OT APPLY FOR CREDIT!!!! 
EQUIFAX GAVE THEM ACCES TO MY CREDIT NOT ME!!!!!!
Product: Credit card

Capital One continue to deny me to be approved for credit card for a account that was open over XXXX years ago. Even now when my consumer report is not poor.
Product: Credit reporting or other personal consumer reports

i have told XXXX XXXX to stop reporting inaccurate information they keep reporting. I need there insurance information to file a claim with there in insurance company with there error omissions insurance. They keep reporting XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. These company agreed to cease and desist .also i filed a CFPB complaint against these companies. This is my secondfiling on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX
Product: Debt collection

Disputed collection multiple times and experian keeps verifying it accurate after showing multiple reasons why it is not valid including but not limited to court documents sealing the eviction.
Product: Credit reporting or other personal consumer reports

I have been disputing this account as fraudulent for 3 years now. I have never done business or opened a XXXX Account nor authorized XXXX to access my personal information or report to credit bureaus on my behalf. This account is fraud and has not been accurately verified whatsoever. It is affecting my creditworthiness and ability to purchase a home. This is NOT my account and I have no knowledge of who opened this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Called in to customer svc to make XX/XX/XXXX payment as I was out of country and had limited access to internet and gave payment information to associate. I did not think anything of it and thought they everything was good. I am just now seeing that the company has posted a 30 day late payment on my credit record. I called to discuss with company but they indicated I need a record. How would I have a record if I called in. They are indicating that they have no record of me calling in to make the payment, but I know I called in. I have never been late on this account and account balance is currently {$0.00} on the card.
Product: Credit card or prepaid card

My current balance is XXXX. The amount past due is XXXX. The overlimit amount is XXXX. I have contacted them numerous times about paying them back and how I would need a payment plan or a removal of the overlimit amount. I have not received any of the requests met. I can not pay back an amount they keep tacking on monies too. I called to get a temporary card to make payments to the account directly and they sent me a card that does not even work. It does n't let me add money to the card. Then i called to ask if there was a quicker way to make payment without going into the bank every two weeks. They said no. So how am I supposed to irk with them when they wo n't work with me?
Product: Debt collection

Portfolio Recovery Associates, XXXX for amount of {$630.00}. I have sent Portfolio Recovery Associates, XXXX  debt validation in which they did not respond. They also reported this item to my credit reports with XXXX, XXXX and XXXX. The item was removed from my credit reports then placed back on. Portfolio Recovery Associates, XXXX has not complied with my request at all.
Product: Credit card or prepaid card

I received the letter Citi Reference Number : XXXX. They did not answer my questions, and have presented more questions. 
First, this is not about my account XXXX. This is about my now closed account XXXX. 
Second, Citi did not answer my question - Please tell me which of these refunds are accurate : ( 1 ) {$1.00} Recon ID # XXXX ( 2 ) {$38.00} Recon ID # XXXX ( 3 ) {$39.00} Recon ID # XXXX ( 4 ) {$39.00} Recon ID # XXXX ( 5 ) {$39.00} Recon ID # XXXX ( 6 ) {$39.00} Recon ID # XXXX Third, I have no idea what Citi is talking about when they say " A letter was sent dated XX/XX/XXXX, which requested that you provide a copy of a credit slip or written confirmation of credit from the merchant. Because this requested documentation has not been received, the conditional credit was reversed. '' I never received any letter. And why would Citi need a confirmation of credit from XXXX - if I'd received a credit I wouldn't be disputing the charge. Fourth, Citi please explain what you mean by " Citi would like to remind you that federal regulations may require us to report your
account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement. '' My Citi credit card is automatically paid in full
every month from my XXXX XXXX account, and I have not refused to pay any amounts. Has Citi not received my payment?

Fifth, I don't know what Citi means by " Because you disagree with the resolution of your disputes, we will request the reporting agencies add a note to your credit profile stating that the information is disputed by the consumer. This will remain in place until your
outstanding account balance is paid in full. '' I do NOT give Citi permission to place any such note on my account.
Sixth, Citi still hasn't sent me a pdf of my final XXXX bill. It is pathetically ridiculous that Citi attached all my credit card statements from XXXX - XXXX! - but did not provide the final credit card bill for XXXX.
Product: Debt collection

They only sent me the information showing what I owed and where they purchased this debt from nothing further
Product: Debt collection

I am writing to address a debt that has been reported on my credit report by Midland Funding. The company has stated that they purchased a debt that the original credit was a XXXX XXXX XXXX  account that was charged off in XXXX. However, I would like to clarify that I did not have a XXXX XXXX XXXX  account prior to XXXX. The name on the account in question is XXXX XXXX, which is similar to my name but it is not mine. I believe that someone may have used my identity to open the account without my knowledge or consent.

I have already informed Midland Funding that the account was not mine. However, I am disappointed to learn that they are still trying to collect from the account as if it belongs to me. This has resulted in the account being reported as a collection on my credit report, which is negatively impacting my creditworthiness and preventing me from obtaining credit. 

Therefore, I kindly request that Midland Funding deletes this collection from my credit report as soon as possible. As I never had this account, it is unjustified and unfair for it to be reflected under my report. I would appreciate your prompt attention to this matter, and I thank you for your understanding.