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

Trans Union and XXXX they report each month how much I charge on my credit cards and that makes my score down but I always pay my parlance every month they have to wait a month to report what I still awes I made aispute many times I called trans union and XXXX many time and they never fix the problems.
Product: Debt collection

Diversified Consultants, whom I 've never done business with, put a false negative account on my credit report. I called and spoke to a representative of DC who could n't provide any pertinent details to warrant their actions but still insisted that I owe them $ and threatened to ruin my credit if I did n't pay them immediately. I asked for a copy of any contract that they had on file with my signature and details of their claim. They said that they did n't need to provide any of that. I proceeded with the guidelines of the FCRA and forced the credit bureaus to remove this account when DC could n't produce the legal documents required. 
One month later, DC reapplied this account to my credit report, still without the required documents. 
The dispute process has started all over again, meanwhile this derogatory account remains on my credit report.
Product: Credit reporting or other personal consumer reports

My account with 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 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 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

On Wednesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that began XX/XX/XXXX. I went ahead and asked them to do that but was flabbergasted when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid {$1700.00} in payments. 
It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 
They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well.
Product: Debt collection

they sued me, the XXXX XXXX XXXX XXXX  XXXX XXXX.the debit was handed over to XXXX XXXX XXXX XXXX also listing XXXX XXXX XXXX. The original invoice with the charges was from Best Egg co. an electronics store {$2000.00} on XXXX XXXX  saying i made one payment of {$77.00}. none of this was from me I have no recollection. 
They sued me i recieved papers in the mail about it and looking it over I was saying this is not me. I did not have enough to hire a lawyer, I did not apear in court the comany XXXX XXXX XXXX with its lawyers XXXX XXXX XXXX from XXXX Utah won judgement over me. 
Now they are trying to garnish my wages, sending papers to my previous work place. I am a XXXX  man of XXXX on limited income, my old company marked that i no longer worked there. This is where I am at right now. 

* I have also recearched XXXX XXXX XXXX, they have done the same to others in my state, there was a news report from a lady going through the exact same thing as me and for about the same amount.
Product: Credit reporting or other personal consumer reports

For months, XXXX  has yet update balance and utilization info for months on both credit reports for myself and my wife XXXX XXXX XXXX, ( birthdate XX/XX/ social XXXX ) who is listed as my authorized user.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time in the beginning XXXX I sent all XXXX bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day XXXX have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX has too many department of Nelnet that appears on my credit report too many times which I only have 8 that are all discharge with XXXX balance. I contacted the credit bearua about this matter it still wasn't resolve. So I am asking could you please resolved this matter I greatly appreciated it.
Product: Debt collection

i lost my home to a house fire so the address that they served to was a complte loss this bill should be covered under soonercare contacted the attorney about a subpena dated XX/XX/XXXX that i recieved in XXXX of XX/XX/XXXX called the hospital saw the error they told me it would be fixed and saturday XXXX XXXX i recieved a statement saying they rendered a judgement but i was never iven the oppertunity of a court date further more the hospital saw the error and said it would be fixed but this XXXX said dhe cared nothering about the home burning that all she cares is that i was served in XXXX XX/XX/XXXX and they were going to garnish wages and sue me for a bill that should be covered instead of garnish the wages i should have been allowed to show proof of covereage then she threatened i will pay attorney fees as well as not be compensated for funds fradulently withdrawn from my payroll sooner care will pay the bill so i dont understand why i have to be sued or at east not given oppertunity to go for soonercare myself
Product: Student loan

I was sent emails stating that they would assist me with an income-driven repayment plan. Not only was I deceived in their intent to assist me but after numerous delays in processing by Navient to start the deductions, they notified the credit reporting agencies that I was late in my payments and now I have lost XXXX points on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Trans Union many times in attempts for them to fix the in accuracy on my account and they refuse to do that. They are still reporting that its an open account on a closed account from 2018! Ive sent many dispute letters To have them fix the problem and remove it and they refused stating that its allys financial Doing and sending me in circles! THE LAW IS THE LAW! Let me educate ... For one by law Under 15 US code 1681B-permissible purposes of consumer reports. 
( a ) In general Subject to subsection XXXX c XXXX any consumer reporting agency May furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

I NEVER Gave TransUnion any written consent to report anything on my consumer report. No consent is identity theft. I demanded a deletion of this account. And secondly they need to be fine for reporting lies on my consumer report.
Product: Credit card or prepaid card

RE : CEASE & DESIST and dispute of chase card services acct  ending in XXXX This letter is in response to the phone calls and letters I have been receiving from you.

According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or at any other location.

Further, this Chase account is not my responsibility, allow me to say that again, you are attempting to collect from me a debt I do not have any legal obligation to pay.

Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 ( b ) 2. 
Regards, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Mi XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 Per the Fair Credit Reporting Act, a consumer may request a description of the procedure used to determine the accuracy and completeness of disputed information. It also states that the credit bureau shall provide a description of such investigations within 15 days of the consumers request.
Product: Credit reporting or other personal consumer reports

A year or two ago Americollect inc began leaving messages on our answering machine requesting payment of an old bill.. I could not recall anything. The calls went unanswered. I had not ever talked to them. Because I continued to get messages, which included threats from a robocall and frequent dings to my credit rating I made inquiries to the original creditor as given from XXXX or other agency. A copy of the report listed an unpaid balance of about XXXX dollars from the year XXXX  from XXXX XXXX. As I am 100 percent sure that no bill was generated by me in XXXX. I continued to press for relevant information. At first only from XXXX XXXX in XXXX. The first call they could find nothing. After waiting about a week I called back and they were able to provide me with a generation date of XX/XX/XXXX for the amount that Americollect is claiming. But the date Americollect is giving to the reporting agencies is XX/XX/XXXXXXXX   with no specific day. This was from XXXX As I continued to get dings on my credit rating Taking it from well over XXXX to below XXXX I then started to make attempts to get firm and honest dates. On my first call to XXXX XXXX they could not find any information. On the second attempt for information I was given the XX/XX/XXXXXXXX  date as the generating date. They told me they would provide me copies of the original bill. That was over a month ago but nothing has shown up thus far. Because I am now facing a separation with my wife and she took the car owned by both of us I called XXXX XXXX to inquire about a smaller personal loan for a car. My request for preapproval was denied. By the information they gave me the denial was caused by that reported default.. A couple of weeks ago I made a validation request to them by mail to Americollect in XXXX, WI My request thus far has remained answered. I called Americollect today and XXXX XXXX  a bill generation date in XXXX. That information is false and I believe Americollect knows this as well and adjusted that date to provide a reason to harrass me and harm my credit rating illegally. Or what should be illegal misrepresentation of facts.. There should be other supporting documentation coming shortly as well showing the creating entity of the bill and the correct date I will supply them on request.
Product: Checking or savings account

I called into the wells fargo branch in XXXX, new jersey and asked about the {$300.00} business checking promo they have going on. His name is XXXX XXXX. We set up a time XXXX XX/XX/21 XXXX XXXX to set up my account in person. He created the account but never added the bonus. They're refusing to honor it. Even worse, they refuse to close the account for me unless i come into the branch. It took me an hour to open in person last time and i don't wan to go in there with the coronavirus getting worse and worse. Please help me get the XXXX checking bonus.
Product: Checking or savings account

Hi there I have citizen bank account savings and checking through the acquisition of XXXX XXXX by citizens. I am resident of XXXX XXXX and the bank has no branches here. 

I have been trying to close my citizen bank savings and checking account for many months now to no avail. I have been on the customer care line of the bank for hours many times but no one answers. The only option on the website is to visit a branch. This makes no sense to me. I have no means to close the account. 

Please help me in closing the back accounts. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This message is in regards to the recent Equifax data breach. According their website, I am a victim in the data breach. It is unfortunate that I never had a choice in whether or not Equifax retained information on me. However, they held extremely sensitive data on me and are completely responsible for its safe-guarding. Equifax has completely failed in this respect on a massive scale. They should be held fully responsible for fixing the situation. The fact the they are offering 12 month free credit monitoring if you sign up with them and waive your right to a class action lawsuit is an absolute slap in the face. Credit monitoring should be free in perpetuity unless new social security numbers are provided. I urge you to please take this very seriously and make an example out of them. Millions of people 's financial security is now at risk. Thank you incredibly for your time. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a letter from First Federal Credit Control, Inc.indicating that I have been placed in collections by a creditor ( XXXX ). I called First Federal XXXX today and was advised that XXXX XXXX from XXXX wants to collect {$460.00}. I was involved in a motor vehicle accident and gave the hospital the name of my vehicle insurance company ( XXXX ). I have never received a bill from XXXX XXXX and feel strongly that he ( or she ) should have contacted me if XXXX did not cover the charges for accident which took place in XX/XX/XXXX. I am concerned that the doctor waited until XX/XX/XXXX to send me to collections without XXXX sending me a bill.
Product: Checking or savings account

I've requested a refund of overdraft fees totaling {$610.00}, was denied, these fees stem from accounts that were opened as a result of high pressure sales tactics by Wells Fargo reps to open accounts I did not need or want. The amount I request includes prior payments received in the amounts of {$50.00}, {$120.00} as well as {$85.00}, these amounts were sent as remedy at the time, do not cover total fees. Prior complaints were made, not resolved, a mediation request also sent in ... XXXX XXXX contacted me in regard to mediation request, a settlement amount was offered and agreed upon, however, no payment received to date. Again, I request a refund of remaining fees which total {$610.00}, a copy of statements reflecting this amount was provided in prior complaints, Wells Fargo can refer back to these if need be. Failing resolution in form of refund, an attorney will be forwarded my statements showing Wells Fargo uses such tactics as posting items highest to lowest in order to charge overdraft fees, other tactics as well.
Product: Bank account or service

I HAVE NOT RECEIVED MY MOST RECENT BANK STATEMENT IN THE XXXX MAIL. COVERING DATES UP TO MID XXXX 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry XXXXXX/XX/2019. Please investigate to ensure there is no fraudulent activity.
Product: Credit card

Synchrony Bank charges interest on late fees. They said that late fees are considered part of the total payment and purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/2017 Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XX/XX/23 XXXX XXXX XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

Ive sent multiple Zelle transfers which have either been canceled or not reflected multiple times. From two different banking accounts.
Product: Consumer Loan

every month there an interest charge and is different so it seem like my payments dont go down it goes up and the paper work they gave do not add up with my payments iam making the amount they have that i would have made in year that they gave me to pay off the loan do not add up
Product: Checking or savings account

on XX/XX/year> My Current Bank account closed. They simply stated they reserve the right to close my account. The issue comes in when I requested my remaining balance of XXXX I was told it could not be sent to me but must be requested from " the funding source '' I attempted to reach out to XXXX  Merchant account who promptly explained that is not a service they provide, and the amount was not the amount deposited. Which makes sense. I took this information back to Current Bank who proceeded to ignore me for weeks on end. I made a FDIC complaint and they replied to me by saying my account is closed. I requested information on my remaining balance again and they told me " the issue has been addressed by a previous member ''. 

I have not done anything wrong for this to happen, I understand that they have the right to close the account. Keeping my money? That is not okay. And for my merchant to request a refund would be some admission of fraud? I need help.
Product: Debt collection

I started seeing collection accounts on my credit about 3 years ago from  XXXX   XXXX . I kept calling asking who they were and demanding they remove themselves from my reports. They refused and then sold the debt to a collection company. I 've seen them on my credit and tried to dispute with them but they refuse to provide a mailing address. I have a police report detailing the identity theft I 've suffered since   XXXX   and have had other fraudulent accounts closed.
Product: Debt collection

ERC tried to collect on a XXXX XXXX bill that the credit reporting agencies contacted me about. The credit reporting agencies informed me that I was a victim of identity theft and deleted the account from my credit report. ERC then tried to report it. I disputed it and their solution was to sell the debt to XXXX XXXX, who just sent me a bill. ERC knew that there was no debt and they sold it to another company to continue their harassment.
Product: Credit card or prepaid card

I was charged for a service that was not received in the amount of {$700.00} from XXXX XXXX XXXX which was CANCELLED. I provided proof of the cancellation from XXXX XXXX XXXX to CHASE Cardmember Services as a dispute but Chase refuses to credit my account. 

Request that Chase credit my account in the amount of {$700.00} or send credit to me. 

Reservation for the rental was made on XX/XX/XXXX. Cancellation was made on XX/XX/XXXX. Disputed charge with Chase Cardmember Service on more than four occasions regarding this with no resolution.
Product: Debt collection

Eos CCA is trying to collect a debt i do not owe. it is negatively afffecting my credit scores and is preventing me from renting a place to live.