23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loan account has been over credited with a double payment since XX/XX/year>. My online account shows a total payment of XXXX on XX/XX/year> but my bank account was only debited for half that, XXXX. This has now incorrectly reduced my monthly payment amount. I think this has happened again on XX/XX/year>. There was a payment reversal but they never actually asked me for a payment again. So it looks like there are now XXXX incorrect payments that have either been incorrectly credited to my account or never collected. I've tried calling multiple times to get this sorted out but I've either been told they would fix it ( they didn't ) or that I'd have to speak to a different customer service agent ( I haven't been able to ). This is absurd, I've called them XXXX times now to get this sorted out and nothing ever happens. This is the worst company I've ever had to deal with. They have also had multiple issues with account transitions and auto payment. This feels like purposeful negligence in order to XXXX customers over. They've 'responded ' to previous complaints and closed them saying that they would investigate but they never have.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX XXXX Bank of America is showing a 30x late on my CC. I not only had automatic payment set up at this time but it shows refunds of any and all late payments and interest charges. I was told by Bank of America its inaccurate and to dispute with all XXXX credit bureau agencies and they would put notes in the system and it would be resolved. Unfortunately it wasnt resolved. Now Im fighting with Bank of America directly to resolve and it is still showing on my report. Its affecting my credit, its inaccurate and I want it resolved ASAP. 

In the last year the service has been awful and I have been with them for 20 years!! Spending hundreds and thousands of dollars with them and always paying my balances in full every single month. They accidentally took duplicate CC payments from me and it took them 2 months to give the money back. They take hours to answer calls now and after 20 years- this is so disappointing.
Product: Debt collection

A collection appeared on my account from XXXX hospital in XX/XX/XXXX, at that time I provided accurate insurance information and the debt was paid in full. 2 years later, inXX/XX/XXXX the same debt appeared as Grant & Weber, I disputed the charge with proof from XXXX that the debt was paid by insurance and paid in full and the collection was removed. This year,XX/XX/XXXX, the same collection has re-appeared. I was not notified in writing or any form that this collection would be reappearing on my credit report. I have since disputed again however the only proof I had after 4 years of moving 4 times was that the same collection was removed in XX/XX/XXXX. I am afraid of this continually reappearing on my credit report. I have tried to contact XXXX hospital directly but they are nolonger in business. The collector ( Grant & Weber ) says they can not remove unless XXXX  contacts them to remove. It's a never ending circle. You are my last hope to permanently remove this from my credit report.
Product: Credit reporting

I was involved in a small fender bender while driving a rented car from enterprise leasing while I was back in between XXXX in XXXX. It was just a small fender bender and no one was hurt and only small scratches to the bumper as confirmed by the police report. I had purchased the rental insurance at the time of renting the auto and I had my own personal insurance through XXXX as well. The accident happened XX/XX/XXXX. I went back oversees on tour and while away I was sent a collection letter from a company named XXXX claiming I owed {$28000.00} dated XX/XX/XXXX. I did not see the letter till I returned and was shocked. I called and explained that I didnt owe them anything I had insurance and they didnt care. I called XXXX and they said they couldnt find any record of anything and then I contacted XXXX. XXXX looked into it and they were sent the claim. They refused to pay the claim becasue they said it was too high and frivolous. They claimed that if I was served or sued they would pay the claim but thats it. I consulted an attorney and they were unable to do anything. I went back for another tour and just figured I would have to wait and see if they served me. When I got back nothing had happened. So I went to get approved to buy a home and when they pulled my credit I was shocked to find that the collection was showing from XXXX on my transunion credit report. It wasnt on any of the others but none the less it was keeping me from getting a mortgage and buying a home. I disputed the account through transunion twice sending the proof that I didnt owe anyone because I had insurance. They just verified the information both times and I still cant get approved on the mortgage. I had to end up renting again and paying more than I was going to pay for buying a home. Please help me get this off my credit report it is not fair and shouldnt be on there. It has nothing to do with me not paying a loan and its clear that I dont owe it because insurance should have already paid it. Lastly they did all of this to me while I was XXXX. Please help.
Product: Credit reporting or other personal consumer reports

The Account, : XXXX XXXX Is not mine, i have never lived at the address that is associated with this account, which is, XXXX XXXX XXXX XXXX, PA XXXX. Someone open this account in my name, unauthorized and without my knowledge, please remove this fraud account Attached is proof
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX PERSONAL LOAN ACCOUNT # XXXX OPEN DATE XX/XX/2019 REPORTING ON MY CREDIT REPOR IS FRAUDULENT AND NOT MINE. THIS IS NOT MY ACCOUNT, THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THIS ACCOUNT, THE PAYMENTS ON THIS ACCOUNT ARE FRAUDULENT AND NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I remember losing my wallet a few years back. I recently was looking to get a house with my husband. The lender told me that I had some accounts on my credit profile that needed attention. They listed a few of them and I do not recognize them at all. On XX/XX/XXXX, I pull my credit to see what they were talking about and come to find that those accounts were not authorized by myself. I contacted the credit bureaus to inform them of the incident and they told me to reach out to the FTC and get a report drafted from them. I have attached the FTC report along with my Driver 's License.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX 
Lastly, these accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need them remove at once.
Product: Credit reporting

I continue to receive auto-letters from Experian stating that they wo n't even investigate this and that they stay on my file for 7-10 years. I would have NO problem with that if they were reporting this correctly, but they are n't! I 've asked to see the actual petition that they are using to verify this information and they have refused to send it. Congress states that the only legal form of verification is firsthand knowledge and the FCRA states that the bureaus must have these docs in their hands PRIOR to even reporting them! So why should it be so difficult to get this information from them if they actually have it? It 's because they do n't! They do n't do that unless they feel that they are about to be sued! Well, I have now have an attorney on this and have gotten the attorney general of CA involved because they refuse to correct my credit report and continue to send me garbage auto-letters each month. 

Here is my dispute with them and you 'll also find the public records page attached along with the letter in full and my identification : US BKPT CT CA XXXX XXXX The date " XX/XX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct - please send me the physical petition You do not have the court listed correct : US BKPT CT is abbreviated and this is not accurate - this must be listed accurately, without abbreviations, and completely You have no plaintiff listed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent trans union all the proper documents that i was to told to send to show that these accounts are fraud.
Product: Debt collection

This debt collector has been harassing me and my family for years. My credit report shows that this company does not own any outstanding debt on my credit report however they are making soft inquiries into my credit without my legal permission and in turn lowering my credit score. The dates of these inquiries are as follows : 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. They are located at XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. Phone number listed for the company is XXXX. Please do something about this as they are also harassing people in my address/building.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX
Product: Student loan

I have been trying to make payments on my student loans since I graduated school in XXXX. Every time I try to make a payment, my processor Aidvantage reverses the payment claiming that it is my bank that has an issue. This is not the case as my bank is saying they are not even seeing an attempt to process payment. I tried to set up autopayment which has also been canceled multiple times for absolutely no reason. I am accumulating unnecessary interest now on my loans because they are unable to actually process a payment. The only payment that has gone through was a {$1600.00} manual pay, but since then I have been unable to get a payment to go through whether manually or through autopay. I am getting fed up and they don't even answer then phone.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd 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 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. 

XXXXXXXX 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: Credit reporting or other personal consumer reports

A third party company is reporting on my credit that I owe them the sum of XXXX. They are calling, harassing and sending letters demanding payment. I do not nor at any time had a contract with this third party company. I do not owe any money to them and they have no right to report it on my credit reports. I requested a wet signature, document with the reported amount owed, the company that the original contract is with and documents of amount claimed to be due, third party contract and any or all document with my signature on them. They refused to provide proof of this debt and any signed contract. I have no knowledge of the sums they claim are due nor an explanation of the reported sum. 
Third parties must provide original contracts, when requested by the consumer with signature to ensure they are reporting accurate information. And must be held responsible for reporting inaccurate, unverified information without documentation when requested by the consumer and when reporting to any agencies. 

I request that the XXXX major credit reporting bureaus listed removed the inaccurate information from my profile. Including all other consumer reporting agency listed below. 
XXXX XXXX, Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached, ( if attachment is Error or failed to download document ) Read, The Identified Transactions are Not information related to Any transaction by me as the consumer. They are violating my rights as the consumer and I request them to remove these fraudulent reports from my report, and to Block and Delete.

These accounts are using my Social Security Number ( SSN # ), without my written permission or instructions to do so. Also, I have no Binding Contract with them, I have no account with them. No transactions have ever been made as the consumer with these companies, and they are using my Social Security Number for Gain and Profit.

Identity Theft Report FTC Report Number XXXX These accounts are fraudulently opened. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I don't owe any of these accounts or companies and I did not give my Social Security Number to any of these companies to share. Thats a violation of multiple accounts and I should be compensated for Damaging my credit and Data Breach. Nothing on my consumer reports on the XXXX Bureaus, XXXX, XXXX, Experian. Nothing match on XXXX XXXX and XXXX, the balance does not match, and the name on XXXX accounts are in the name of someone's else or similar, ( Department of Education ). And I would like that to be removed and deleted for incorrectly reporting, I do not own that account, but it keeps reporting, closing the account, open the account and then transferring the account. I don't know what's going to happen next. but everything needs to be removed that are not reporting accurately. 

I ask via certified mail to remove all incorrect information and send me an updated copy of my consumer report, I yet have seen it in my mailbox. that's been 3 months ago. 

the last recent certified mail was XX/XX/XXXX to XXXX, XXXX, and Experian. I have not received an updated copy of my consumer report to gauge.
Product: Debt collection

I had already made payments on this bill. I had requested financial aid and payment arrangements with multi care and I was told I didnt qualify. I asked them to add it to my current payment plan and I dont know why it wasnt added. I was under the impression it was added. Never knew it wouldve gone to collections. I never received any bills or letters through the mail. I just saw the mark on my credit report as a collection. 
I have worked very hard for my credit score now this is on there it dropped me XXXX points almost yet I wasnt qualified for assistance?
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. THE CREDIT BUREAU DISMISSED MY COMPLAINT AND INSTRUCTED ME TO CONTACT THE COMPANIES. I CONTACTED THE COMPANIES AND ASKED THEM TO REMOVE THEM. I WAS TOLD THAT THE CREDIT BUREAU NEEDED TO REMOVE THEM. 1. XXXX 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sold my mortgage account to another company called XXXX and I am on time with all of my payments. XXXX XXXX XXXX is no longer my account holder and I would like to get this off of my credit report but two credit bureaus are refusing to remove the information.
Product: Vehicle loan or lease

I want to start out with my loan was sold to this company without my knowledge and I only found out through a letter in the mail. Payments were behind and I sent my first complaint when I was being harassed constantly by them and struggling to make payments. They agreed to defer the account and make payments current for the month of XXXX. Payments come due at the beginning of the month, but my previous company did not care when I paid as long as I got it paid. With them I have received calls all month long saying I need to make a payment. Yesterday, XXXX I made half a payment of {$190.00}. They called again today XXXX saying it was in my best interest to call them back, so I did. I was told they would not be holding my account any longer and they were asking for when I could make the next payments, etc and was informed of surprise late fees. They said theyve always been there, but this is not true. I have never been informed of a late fee nor was there one in the contract I signed. XXXX XXXX never gave me any. I am highly dissatisfied with this experience as they are extremely pushy and cause a lot of emotional distress. I dont even know why my loan was sold off to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX about reporting late payment after account was paid in the amount {$420.00} in XXXX. XXXX XXXX XXXX XXXX still reporting late payment as recent as XXXX. This card was closed and paid off years ago. However XXXX XXXX has been reporting late payments as an closed account. I do not have any late payment because I closed this account out years ago. I dispute this action back in XXXX and in XXXX. No action was taken and they continue to report late payments.