23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A request was made to provide me with a HIPPA Certificate for debt i do not owe, rather the company provided me with a document containing my forged signature. 
Company has violated my HIPPA rights, and will be responsible for issuing a false document. Hippa violations are serious violations and will result in major fines.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX RESURGENT/LVNV FUNDING Account XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RESURGENT/LVNV FUNDING Account XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT Transunion took more than 30 days to investigate this fraudulent collection account. I have submitted proof from the original creditor that the account was paid in full in XX/XX/2020. How can a debt collector, XXXX XXXX XXXX, then try to collect on account that is paid in full? This account was settled over two years ago and Transunion continues to report it on my credit report. 

Transunion is the only credit reporting agency who has failed to properly investigate and remove this account. I am asking for full disclosure of their investigative process. Who did you speak with at the original creditor 's office? What was their response? How did you confirm the balance owed? Did you receive a copy of the original contract? Use of third party software is not permitted in the case of this verification request. 

I have attached an original email from the creditor stating that I have a XXXX balance owed. Transunion is currently in violation of 15 U.S.C 1681 for failure to adequately investigate erroneous items on my credit report. 

I would like the CFPB to step in at this point. Please see the attached letter from the creditor stating no balance is owed. This collection account needs to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX was never late! I have had exceptional payment history 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 to be updated. 


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. 


EQUIFAX 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 XXXX  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! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

I was rendered incompetent care by a law firm named XXXX XXXX XXXX  XXXX. The firm also fired me as a client without cause. I filed a bar complaint. I contested the charges with AmEx and AmEx refused to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I am not an attorney or a third party rep. I have a legal right to dispute the following accounts : -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: Vehicle loan or lease

On XX/XX/2018 a XXXX  XXXX XXXX XXXX was purchased by me at XXXX  XXXX in XXXX MA. 
On XX/XX/2018 I read the entire purchase contract & realized that there was an item on the contract that I was not made aware of, or agreed to purchase. The item is XXXX XXXX & the amount is {$1100.00}. The whole amount is taxable. I expected that I could correct this oversite with the dealer so I attempted to do so on XX/XX/2018. I went to XXXX XXXX in XXXX MA to discuss this item with the sales manager who then transferred me to the finance consultant. After stating my position of " nondisclosure '' of the XXXX XXXX charge to my contract, the financial consultant admitted that he had " packaged '' the XXXX XXXX item along with an Extended Service Warranty in order to provide me a discount on the Extended Warranty. However, on XX/XX/18 he told me that the discount for the extended warranty was because I had an XXXX membership & he said nothing about " adding on '' the purchase of XXXX XXXX in order to discount the extended warranty. His parting words to me were, " you signed the contract ''. The company has made no attempt to correct this unscrupulous sales practice.
Product: Vehicle loan or lease

I opened a PenFed account on XX/XX/XXXX and applied for a car loan. The loan was completed XX/XX/XXXX and the representative mentioned there would not be an additional credit pull, they would use the first original one from XX/XX/XXXX and that it's good for up to 90 days from application for opening any accounts. 

I received an alert today on my XXXX  that they had pulled my credit today without my consent or authorization based off my conversation with the representative on XX/XX/XXXX. I should only have 1 credit pull based off my authorization and conversations. 

I have reached out to PenFed again XX/XX/XXXX and they mentioned that they should have told me that they might still need to pull credit. That was not disclosed at all. 

I a greatly upset with the service from PenFed that I will consider not even doing business with them now. 

Please remove this unauthorized credit pull
Product: Credit reporting

This is another complaint with equifax and has to do with my other complaint Case number : XXXX why are they reinvestigating that account with the furnisher? are there any humans working there? the dispute is with EQ not the furnisher. EQ allowed previously deleted collections account with XXXX to be reinstated without notifying me and breaking the law. Are there any humans working at the CFPB? it seems EQ and CFPB JUST USE AUTOMATED SYSTEMS TO ANSWER EACH OTHER. THEIR RESPONSE IS REINVESTIGATE. WHICH IN 30 DAYS WILL COME BACK AS VERIFIED. WHEN THAT IS NOT MY COMPLAINT. MY COMPLAINT IS WITH EQ NOT XXXX. BUT YOU LET THEM GET AWAY WITH IT. NOT ADDRESSING THE COMPLAINT FILED. IM A XXXX VET AND IM GETTING TIRED OF THE RUN AROUND. MAYBE ILL WRIGHT A LETTER TO PRESIDENT OBAMA BEFORE HE LEAVES OFFICE. HE CARES FOR VETS. THIS IS WHAT THE FCRA SAYS ABOUT DELETED ACCOUNTS. TELL EQ IF THEY DONT REMOVE THAT ACCOUNT IN 1 WEEK IM GOING TO SUE THEM FOR BREAKING THE FCRA LAWS. 

( ( B ) Requirements relating to reinsertion of previously deleted material. 

( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX
Product: Credit card or prepaid card

XX/XX/2023 Dear The purpose of this letter is to inform you about a credit that I have with Synchrony Bank XXXX. 

I opened a credit card with Synchrony Bank in order to take advantage of the promotional offers they have available and to establish an excellent credit rating. I have been using the card responsibly and paying off my minimum balance each month in full. 

Due to the fact that I was out of work for a few months, my finances were affected, which caused me to seek assistance from the state in order to cover my monthly costs. 

To ensure that I could remain financially stable, I applied for and was granted public assistance to help pay for my living expenses. As a result, the bank was alerted to this situation, According to the calculations, the maximum credit limit for this account is XXXX dollars i was paying exceptional well a minimum of XXXX per month. Banks use credit limits to ensure that customers do not take on too much debt. With the bank being aware of my public assistance status, I was able to remain financially stable and not take on more debt than I could handle. The fact that I was paying a minimum of {$35.00} a month further reassured the bank that I was doing my best to stay financially responsible. My late fee has increased to XXXX, which is equal to {$75.00} per month, when I can only afford the minimum of XXXX. 

Although I was doing my best to keep up with my payments, I was still charged a {$40.00} late fee by the bank. 

After calling the customer service number to speak with management, despite my efforts, the bank still imposed an unreasonable penalty, so I took the extra step of phoning the customer service line to try and reach a higher-up, yet the wait time was unmanageable. 

I am charged {$75.00} per month if I am late with my payments, and if I fail to pay by the due date, the bank will report me to the credit bureau. 

Whenever I reach a certain amount to clear the late fee, I would have to repay the amount on the late fee on another payment date in the future, which would lead to me being charged a late fee the next month. 

This creates a situation in which I am paying more for being late and the cost is increasing each time I miss the deadline. 

The credit card continues to accrue debt each time I have to pay the minimum late lee There needs to be some type of negotiation plan because i could possibly have a XXXX balance by the end of this year, but these late fees are creating a great deal of stress and I am fully committed to paying them back. 



I regret taking out this credit card the day it was issued because it adversely affected my credit score. 

This late payment of XXXX dollars is too much for a minimum monthly payment of XXXX dollars. 

The issuer of this credit card has reported the late payment to the credit bureaus, which could have negatively affected your credit report. Additionally, the issuer may have applied a penalty rate or late fees, which could have made it difficult to pay the minimum monthly payment. 

XXXX XXXX
Product: Student loan

I have XXXX loans, each is a consolidated loan. XXXX is subsidized and XXXX is unsubsidized. I have been on an income-driven repayment plan since the end of my grace period, which was approximately XX/XX/XXXX. I have consistently paid more than the minimum payment in order to cover the minimum payment plus all of the interest that accrued for that month 's payment. However, I was not told until XX/XX/XXXX by someone named XXXX at Navient customer service that those overpayments I had been making were not allocated in the most cost-efficient manner for me. At the time she told me this, I had no idea that was even a potential problem. I just assumed Navient would allocate the payments in my best interest because no one ever asked me how I wanted them allocated. Furthermore, I have never been told how each payment was allocated and I can not find any place on its website where it shows me exactly how each payment was allocated to my XXXX loans. Therefore, I do n't know how much extra interest has accrued because of Navient 's secretive allocation of my money. As a second, separate complaint, I was also told by a Navient customer service representative that my total unpaid balance on both consolidated loans that I see on my log-in page does not reflect each payment I make, rather those unpaid balances are adjusted to reflect all payments only XXXX times per year. Therefore, unless I keep track of every payment I make and check my unpaid balances quarterly, I really do n't know if/how my money is being allocated to my loans. ( It should not be difficult to change the website to account for each payment Navient receives so that I can have peace of mind that the payment is n't getting lost or misapplied immediately after it 's paid ... banks can keep track of constantly changing bank balances without a problem, so why ca n't Navient? )
Product: Debt collection

On XX/XX/XXXX I checked my credit report because I was alerted that a collection had been placed on my XXXX credit report. The report stated that an alleged debt of {$82.00} was placed in collections on XX/XX/XXXX by XXXX XXXX. The alleged debt was reported ti my credit on XX/XX/XXXX. Prior to the debt being placed on my credit I was never informed about the collection in question nor were any efforts made to contact me to resolve said debt. Upon finding out about the alert on my credit I also reached out to the debt collector via email asking for them to provide me with verification that the debt in question was truly mine. Since I am a victim of identity theft I felt like this was my right under the Consumer Protection Act and Fair Trade Commission. 

809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

None of which have been provided or done by the Collection agency. Also upon doing more research. I found that, Not only was I not contacted by the creditor or the third party agency for the alleged debt but they are in direct violation of the Texas Finance Code 392.101 which prohibits a third-party debt collector or credit bureau from engaging in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filled a copy of the bond with the Secretary of State. Collections Unlimited directly violated this law.

Due to the negligence of this business my credibility, reputation and credit score has been scorned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking that the 30 day late negative placed on my credit report by XXXX XXXX XXXX be removed. When I received my first bill ( TFS Account : XXXX ), I paid my bill online and setup autopay to ensure that a timely payment was delivered. For whatever reason, XXXX website did not process my payment. Upon learning that my payment did not go through, I tried to pay my bill online through XXXX website 2 more times before I gave up and started paying though my XXXX Bank bill pay. I have since setup automatic payments through XXXX and have had no issues thus far. Attached are files showing my attempted payments as well as my banking statements showing ending daily balances. There is no reason the payment should not have been processed. 

I take great pride in my credit history and ability to repay my obligations. As you can see from my attached credit report, I have no other occurrences of bills not being pay on time. Further, in this example I made multiple attempts to use the XXXX provided service to pay my bill only to be rejected. Given this is my first time purchasing a XXXX and using XXXX financial services, I am extremely disappointed to be writing this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address as well as name is reporting inaccurate. As well as there are fraudulent accounts reporting on my consumer report.
Product: Credit card or prepaid card

Hello, I have been trying to register my previous Eppicard account on the new goprogram.com website as instructed by XXXX and keep getting the following error : Account information is invalid. Unable to locate a customer record that matches the information entered. 

I have tried numerous times making sure all information is correctly entered. I have tried calling the Way2GO customer service number provided by XX/XX/XXXXXXXX and XXXX and I am not able to get someone to assist me. I have been calling since Monday XX/XX/2021. There is no option to select to speak with anyone. If you just dont make any menu selections there is just a message that says sorry you are having trouble, goodbye and just hangs up on you. 

This is getting very frustrating, hopefully someone here can help.
Product: Checking or savings account

I was robbed {$1500.00} from someone online, two XXXX XXXX transactions were made and never got my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to this company and asked that that the information they keep in my credit file be 100 percent accurate and that if its not then they need to correct it. They have not done so. The continued reporting of inaccurate information is a violation of the law under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello please update my address on my credit report, to no longer reflect XXXX XXXX XXXX   XXXX XXXX or any version of this address.
Product: Credit card

Synchrony financial closed my XXXX XXXX  with a balance of XXXX today XX/XX/year> without any notice or warning. I've paid on time payments every time, sometimes more than once per month. Last payment was XXXX submitted I believe XX/XX/XXXX ( was posted ), and then another XXXX XX/XX/XXXX, I can't access my account because its saying technical difficulties so they must have booted me because my friend went to the website and saw the login info just fine. I've never missed a payment, always been on time. I still had roughly XXXX XXXX  in credit available to me. They gave no warning, nothing, and just closed my account with an open balance. When I called to ask why, they just say " you are high risk '' with no further explanation. WHAT? I've paid everything on time and usually over the minimum payment, sometimes multiple times per billing cycle. Nothing has changed with my credit lately except that I recently bought a car. I don't think it's fair to do this to someone who's paid everything on time out of no where. I have the cash to pay the balance down if need be but I'm using cash to fund my small business and now this is going to wreck my personal credit. My balance was not over the amount or anything so I'm so confused as to why they would do this randomly with no warning.