23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They are trying to collect for an account that was closed and service discontinued. The collector is COMPLETE CREDIT SOLUTION. 

After BeforeClose COMPLETE CREDIT SOLUTION Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$410.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$410.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$410.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 XXXX. 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/updated. They are not in compliance with the following law. XXXX USC XXXX 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! XXXX USC XXXX ( 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. 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!
Product: Student loan

Dear CFPB, I am writing to urgently address a concerning matter regarding the application of my recent payment towards my student loan. Despite making all my payments in advance and on time, I have noticed that my most recent payment, made on XX/XX/XXXX for the amount of {$170.00} has not been applied correctly and accurately. 

I have taken proactive steps to resolve this issue by contacting your customer service department on multiple occasions and sending emails outlining my situation. I've called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have followed all protocols and waiting time. Unfortunately, despite my efforts, I have not received any resolution or assistance. I was even escalated to a supervisor who was unable to provide a satisfactory solution.

Moreover, I have experienced considerable frustration as each time I have called, I have been placed on hold for over an hour. In total, I have made five calls regarding this matter, and the due date of my next payment, which is XX/XX/XXXX, is fast approaching. The correct application of this payment is crucial as it will affect my due date. 

I kindly request your immediate attention and assistance in rectifying this issue. I believe that open communication and prompt resolution are essential in maintaining a positive customer-provider relationship. I trust that you will take the necessary steps to ensure that my payment is applied correctly, and I receive the necessary confirmation. 

Please reach out to me at your earliest convenience to provide an update on the status of this matter and to discuss the steps required to resolve it. I appreciate your prompt attention to this urgent issue. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Trans Union 3 different times after spending 30 to 45 min on phone and asking to explain to me why they are reporting 30 60 30 day late payments. After going over the accounts I was put hold on while they looked into it and was hang up on each time. In XXXX I tried to dispute the accounts and they came back verified. I paid and closed Both accounts the same day XXXX XXXX Account XXXX also Account XXXX. XXXX also Transunion are reporting inaccurate information. 
As of XX/XX/XXXX is being reported Account XXXX *Updated : XX/XX/XXXX ( Inaccurate ) *Last Payment of {$0.00} ( how can they report {$0.00} payment ) ( Wrong info ) * *Date XXXX ( waited two months to report the account closed ) *Last Payment XXXX ( The date of last payment made ) Account XXXX Updated XX/XX/XXXX Payment received : {$120.00} ( I haven't made a payment to this account since I closed Accouts. ) Last payment made : XX/XX/XXXX Date Closed:XXXX also reporting history XX/XX/XXXX This is completely against FCRA and has caused hardship to me and my family by these credit Bruals doing frivolous acts to consumers knowingly and I want this to be off my report. Next I will be contacting a consumer law attorney if this is not taken care of in a timely manner
Product: Debt collection

BOTH COLLECTION AGENCIES FAILED TO VALIDATE DEBT, IN VIPLATION OF SOL, FCRA, FDCPA, TCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX HABITAT XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00}, U S DEPT OF EDXXXX XXXX Balance {$3100.00} , U S DEPT OF EDXXXX XXXX Balance {$5100.00} XXXX XXXX XXXX XXXX Balance {$0.00}, XXXX & XXXX XXXX Balance {$200.00}, XXXX & XXXX XXXX Balance {$610.00}.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person. Equifax continues to violate and disrespect my rights to privacy and several other rights as listed below. If they do not remove the accounts, I'll continue to escalate this higher and higher if the accounts do not get removed from my credit report. 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

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 XXXX
Product: Credit card or prepaid card

I thought I was disputing the fee for the target red card and sent them a letter to provide documentation that is legally required based on the Fair Credit Reporting Act and they still did not nullifying the debt. They kept charging me late fees and reported the amounts to the credit bureaus without a letter of dispute - another violation of Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I received a email stating that my account would be closed on XXXX XXXX. With no explanation, and I was told that I wasnt eligible for a refund. I couldnt even pay my rent for XXXX and now I owe for XXXX and XXXX and it has caused a lot of stress and anguish.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im contacting you guys regarding regarding my credit reports and scores. I have not had any access to my credit reports or scores with XXXX and Equifax since XX/XX/2023. I have contact both companies and have done all the protocols they have ask of me and nothing has been updated with my scores. XXXX I have talk to them numerous times just call them again today actually they told me my credit score is XXXX but Im not able to see the score so I ask them to mailed or emailed it to me. They wasnt able to do that due to something being wrong with the membership I need this to be fix immediately its very frustrating to not be able to see my credit report and scores So this is why Im file a compliant and hopefully you guys can fix this issue immediately.
Product: Debt collection

I would like to file a complaint against Midland credit management. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX I offered a settlement and the agent refused my offer on the spot. I repeatedly asked for her to submit it to her manager and she denied me that. After several minutes of my requests for her to do so, She then said that she was in fact the manager. She said her name was XXXX XXXX she didn't give me her employee ID just her extension. XXXX XXXX XXXX ext XXXX I believe that her statements are fraudulent and would like to request a investigation. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # 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 an account without my written instructions
Product: Vehicle loan or lease

Vehicle was returned 2 months early and odometer was XXXX miles. XXXX charged me for excess miles based on an erroneous odometer record of XXXX miles. The XXXX  dealership where I turned the car in resubmitted the paper work, but this collection company told me that they submitted the correct odometer reading to XXXX, but I kept getting bill for the wrong amount. Every time I called the collection firm said that they are waiting for XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I discovered someone had withdrew {$3500.00} from my Wells Fargo savings account. There were 7 withdrawals of {$500.00} each day from XX/XX/XXXX thru XXXX. The trail was from Wells Fargo to XXXX to individuals who I do not know.I had not heard of XXXX before this fraud occured. I contacted Wells Fargo Claims Assistance and reported this, I was questioned for a few minutes and was told I would be told the results of the investigation at a later date. A few days later I recieved a letter stating that " we have determined that the transactions were made by you ''. We have had that saving account for several years and the only transactions we made were deposits. The Wells Fargo rep was not in the least willing to give me any information as to where the transaction started, what XXXX was and how the transaction took my money without my knowledge or requesting any action regarding my account. I requested Wells Fargo senf me documents used by Wells Fargo to determine that I was the one who made this transaction I am waiting to get these documents. Theysaid it could be 30 days. After doing some digging I found out that one must be enrolled in the XXXX  program in order to use their services. I am not enrolled. The Wells Fargo people were rude and uninterested it even trying to hear my complaint
Product: Checking or savings account

Started receiving mail from BB & T? Saying I might have money in accounts I live never had? Dont know who BB & T is, never heard of them? Ive gotten 4 letters so far, first saying I might have money in accounts then letters saying Im going to be charged money for them? It looks like they are checking and money market accounts?
Product: Credit card or prepaid card

In XXXX I received a notification from my credit report that my score had an alert. the alert was from Bank of America for a late payment. I had received no alerts, no notifications, no emails or bank statements and I told them as much. I was experiencing COVID hardship, which I also told them, and pointed out that they had not provided any information on how to request a COVID hardship forbearance. Several employees I spoke to also were unaware of where information about getting a COVID hardship forbearance even was. I contacted Bank of America multiple times to attempt to resolved but they were unwilling to do so.
Product: Student loan

I went to XXXX in XX/XX/XXXX-XX/XX/XXXX i graduated with my XXXX degree. when i first signed up for the school the recruiter told me that they where a accredited school i later found out after spending a over a year enrolled with them that was not the case. i was aslo pushed into taking high intrested loans to pay for my time with the school im now over XXXX in debt and un able to pay my student loads facing wage garnishments and struggling to pay for my living expences. navient holds my personal student loans that have an 10 % and a 12 % intrest rate on them. double the fedral rate i hope that some one reads this and i hope that some one can prevent this from happening to some one else. if there are any programs that can help me please let me know and also any pending lawsuits against XXXX i would like to join them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple addresses reporting to my consumer report, that do not belong to me. I believe this is attributing to the negative items on my report, that are troubling my experience while trying to purchase a home. They need to be removed immediately. 


XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiries made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiries. I respectfully request a copy of any documents authorizing credit inquiries, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter is appreciated. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank, XXXX, and XXXX continue to report Victoria Secret Acct # XXXX XXXX XXXX account # - XXXX XXXX XXXXAcct # XXXX as DEROGATORY AND In COLLECTION/CHARGEOFF status when these accounts have been settled AND PAID. The account status and payment status should reflect PAID AS AGREED AND PAID AND CLOSED. I have disputed this issue with the CFPB and still have not received any help. Comenity Bank continues to violate the law and violate my consumer right to have the accounts reported correctly. I have attached yet again a current copy of the credit report directly from XXXX and XXXX which shows they are incorrectly reporting these two accounts as derogatory when they should reflect current and paid. I am now forced to hire a consumer attorney and sue the credit bureaus to fix this matter. Comenity Bank has FRAUDENTLY marked my account as being late in XXXX XXXX XXXX when the accounts have been paid off over 2 years ago. Comenity Bank, XXXX and XXXX have ruined my credit by inserting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Around early XXXX I contacted the Experian fraud department to update some inaccuracies on my credit report. There seems to have been a mix-up on the agent 's end as he deleted my current residence in error as there were multiple addresses similar to my current address. This was made in error my current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX AL XXXX Since then, I have not been able to access my current credit reports and scores. I have provided the documents that were requested by Experian to verify my identity. I am in the process of purchasing a home, this is affecting my purchasing. 

There are also fraudulent items that do not belong to me, and I have included my FTC in my previous complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted all proper documents stating that I was the victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX on my Credit report when I had medical insurance from my job and they charged me every visit
Product: Credit card or prepaid card

XXXX credit card companies have refused to take a payment telling me they would call me back in XXXX to XXXX business days. I asked them why they could not take a payment she said, '' she was not authorized to take any money ''. I believe they are letting it go further so they can sell the debt to an Attorney or write it off. I never in my life have had any one tell me I could not pay a debt! One credit card company is total XXXX the other one is XXXX XXXX XXXX. They post payments late are they do not accurately keep tabs on your payments so you are going to accrue late fees and over limit fees I don't know how this can be legal and why they are not policed better. Please check into this and stick up for the hard-working blue-collar people who try to make their payments on time and get screwed over by credit companies that aren't regulated well. Thank you very much, XXXX
Product: Credit reporting or other personal consumer reports

NAVY FEDERAL CREDIT UNION IS WELL AWARE OF THE FRAUD THAT IS REPORTING ON MY ACCOUNT. THEY HAVE RECIEVED POLICE REPORTS FTC REPORTS AND THEY HAVE DONE THEIR OWN INVESTIGATION. DURING THAT TIME THEY FOUND VIDEO EVIDENCE OF THE PERSON COMMITTING THE FRAUD. BUT YET AND STILL THEY CONTINUE TO REPORT THIS FRAUD TO XXXX, DAMAGING AND HARMING ME. MY CONSUMER RIGHTS ARE BEING VIOLATED IN MULTIPLE WAYS, AGGRAVATED IDENITY THEFT [ 18 USC 1028 A ] AND WILLFUL NON COMPLIANCE. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] THE LAW SAYS IDENTITY THEFT MUST BE BLOCKED WITHIN 4 DAYS [ 15 USC 1681 C-2 ] NAVY FEDERAL ACCT # XXXX .I will also be seeking XXXX per VIOLATION IF NOT DELETED ASAP 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1682g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civilliability for willful noncompliance [ 15 U.S.C.168in ]
Product: Student loan

I am a recent graduate who just obtained her first job. I got hit with a bill for {$1200.00} student loan payment per month from Navient. The interest rates on the private loans I have with them range from 8-9 %, and they have limited options for help. I called crying multiple times, I CAN NOT pay this much in student loans. Is it necessary to have interest rates at 8-9 %? I have NO quality of life because of my student loans, and I also have federal student loans. I am on an income based repayment program for my federal loans which is doable, but does n't take into account the absurd amount of money I have to pay out to Navient each month. It should be illegal to corrupt recent grads like this! They told me " well, we have to make money too ''. 8-9 % interest?! that 's more than a mortgage! Thats corruption if you ask me. Oh, and its a 5 year payment plan. Five years?! I do n't understand how this is okay, and I cry every day over it. I do n't know what to do, who to turn to. Everyone tells me my only option is refinancing, and my parents have tried to refinance their home but got denied from XXXX banks. The only thing Navient told me they can do is get me down to 3 % interest for a year and increase to maximum 15 years but then after a year the interest rate will just climb back up to 8-9 % interest over time. I need help, and this is just corrupt and unjust.