23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Account name, XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX, XXXX. 
Status updated XX/XX/XXXX. 

XXXXXXXX XXXX Account type Auto Loan, Date opened XX/XX/XXXX StatusPaid, Closed.Status updated XX/XX/XXXX, These accounts listed above with the above information is listed on my credit report as delinquent. XXXX XXXX and Santander has been hit with a huge data breach and i reported to the account several time this is incorrect not my account and I dont have such delinquency but they keep reporting it to my credit report specially XXXX, I dont received any prove I request and no one does nothing about just continue reporting and dismiss my claim. This negative information and fraudulent information has impacted my credit significant and has cause my current creditor to lower my credit
Product: Credit card or prepaid card

I noticed that {$8.00} have been constantly removed from my account for a long time over 6months. Initially I thought it was my children using my card with my permission to purchase games with XXXX XXXX I noticed a {$53.00} debited and I didn't authorize that neither did my children purchase anything. 
I called wellsfargo immediately and they shut down the card and not too long I saw they credited my account from XXXX to XX/XX/XXXX to Approximately XXXX plus. 
Then with new card they sent which I never activated, I saw a debit for {$8.00} for XXXX whilst I activated the card on XXXX. 
I called the back XX/XX/XXXX and complained how was that possible and I was told by XXXX that XXXX has the digital number and they approved it and I asked how was that possible that I thought once a card has been termed fraudulent by the bank everything is deactivated and she said she can only explain in general terms for me and that by the way ; the provisional approvals on the past claims for the same issues that I made was declined and they removed the credits that was issued before. I was shocked and said I was never notified on anything. She said it will come in 9 to 10 business days. She transferred me to a fraud specialist and I explained what XXXX told me and the specialist XXXX said that XXXX has the jurisdiction WITH VISA TO BYPASS ANY HOLD AS LONG AS THEY TELL THE COMPANY THAT THIS IS THEIR REGULAR CLIENT AND THE COMPANY VISA WILL APPROVE. which was why I was still charged despite it was not active. I asked the agent that I thought once your card is changed that it Is the customer that notifies and updates her new card number. Herself. That this is another new information I was so frustrated that when she said she was shutting down my card again i asked her why because if XXXX can bypass the blockage the charges are forever going to be occurring and she said I should call XXXX and cancel the subscription. I have been calling XXXX and the last person asked me what subscription and I said I did not know. She transferred me to a department that ought to help and i was waiting for 1.30mins and none came on. I had to end the call. I recieved a letter from wellsfargo on sat the XXXX of XX/XX/XXXX stating the reason for the decline was and I quote'Our investigations shows that the transactions is consistent with the way you've used one or more of your wells Fargo accounts in the past. Based on this we've determined that the transactions is valid. 
See, if a card that has not been activated by me is used why wont it be consistent. 
Please help me. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 me 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 XXXX  - XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Student loan

To Whom It May Concern, I am submitting this complaint regarding Sallie Mae 's loan servicing practices, which have caused significant financial harm and misrepresentation of my account status. Despite my good faith efforts to resolve the issue, Sallie Mae has refused to take responsibility for their errors. Below is a detailed account of the situation : In XXXX, I requested a payoff statement from Sallie Mae to refinance my student loans with another lender. Sallie Mae provided a payoff amount, which was supposed to cover interest for the next ten business days. My lender then promptly paid in full within the timeframe. At that time, I then believed this payment satisfied my loan obligations with Sallie Mae, as they did not communicate otherwise. 

For the past XXXX years, I continued to receive monthly billing statements from Sallie Mae indicating a {$0.00} balance due. These emailed statements led me to believe my account had been fully paid off and closed. I assumed my account was still open and that these were routine emails. 

Recently, I noticed that my Sallie Mae account was still active on my credit report, prompting me to investigate. Upon logging into my account, I discovered an outstanding balance had accrued interest daily over the last XXXX years. Sallie Mae representatives informed me that, after my " large payment '' in XXXX, which was intended to be the payoff. approximately {$300.00} remained unpaid due to what they referred to as interest. However, the payoff amount was supposed to cover that. 

I was also informed that this remaining balance was treated as a " prepayment, '' and that is why Sallie Mae issued statements showing {$0.00} due each month, failing to alert me of the outstanding balance, which was never included on any of the emails. I never once received any communication explicitly stating an owed balance. 

I contacted Sallie Mae immediately on Thursday, XX/XX/XXXX, and offered to pay the original balance, as I was unaware of it due to their misleading statements. Sallie Mae refused this offer and demanded payment of the full balance, including XXXX years of accrued interest. 

Sallie Mae 's explanation that I should have logged in to check my account is unreasonable, given that their monthly emailed statements explicitly showed a {$0.00} balance due. As a borrower, I relied on the information provided in their official communications, which were materially misleading. 

The interest that has accrued over XXXX years could have been avoided had Sallie Mae properly communicated the remaining balance. Also, My credit report still shows an active Sallie Mae account, which affects my credit profile and may misrepresent my financial standing. 

I have attached a transcript of my most recent communication with Sallie Mae as well as a screenshot of the most recent billing statement that was sent to my email which shows {$0.00} due. The screenshot of the email does not contain any information about an owed balance. 

Thank you for considering my issue and thank you in advance for any help that the CFPB can provide.
Product: Debt collection

ON XX/XX/2017 I received an offer from XXXX XXXX at XXXXXXXX XXXX XXXX. The offer was clearly stated a monthly charge of {$25.00} for 24 months ( contact attached ). After hookup, I started receiving invoices from XXXX for {$40.00} a month contrary to the contract ( invoice attached ). I called XXXX on many occasions, but they refuse to change the charges. I paid what they were asking for the fear of damaging my credit. After about a year, I request for the service to be disconnected for not holing their end of the contract. They billed me for the balance of two years and later sent to collection. I wrote to the collection agencies explaining my case. XXXX refused to change their position. Now the collection has been reported to the credit reporting agencies and damaged what was a perfect credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX  # XXXX reporting on my consumer report on Transunion. I XXXX XXXX have never filed for bankruptcy in my life. I called the US bankruptcy court where TransUnion claimed the received this information. The US Bankruptcy Court sent me a written letter stating 'They do not provide or verify any information to any credit bureaus or agencies '!!! including TRANSUNION. 

Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit card

- On XX/XX/XXXX, Citibank reached out to me asking if I had made some recent purchase on my card. They were suspecting fraud. 
- I confirmed that some of the transactions were not made by me or anyone authorized on the account. 
- They closed the account, and generated a request for a new card. 
- Looking at my account later, I can see that SOME of the transactions identified were removed from my account. 
- There are currently two charges which were not removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$300.00} - I contacted Citi by chat on XX/XX/XXXX to understand why these were not credited. 
- After much time, I was told that they would not be able to help me, and gave me two phone numbers to call instead. 
- I finally got through on one of those numbers on XXXX XXXX 
- I was told that the investigation on these items is still underway, but they " would do what they could to expedite ''. 
- My new statement dropped on XXXX XXXX  which will include these fraudulent charges. 
- Because I choose to use auto-pay, I will automatically pay these fraudulent charges when due. 
- I was told that there was nothing else which can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with all three major credit bureaus to request " CREDIT FREEZE/ FRAUD? SECURITY ALERTS '' BE REMOVED ; Ive submitted this request verbally, in writing my mail/fax ; and more than 60 days later no one has processed the request what did happen in the course of me trying to get alerts/freezes removed they removed a positive/ open account. I have has a mortgage with XXXX XXXX opened XX/XX/1998 paid every month on time ; never late as agreed and the account was removed an error. Contacted to bureaus to request re-insert again nothing has happen ; my mortgage company has also requested reinsert of account and it seems like the bureaus are blocking the reporting of item however they will not remove freeze or invalid reporting collection from XXXX XXXX. At this time I would like to re-request " REMOVAL of CREDIT FREEZES/ FRAUD/ SECURITY ALERTS AND XXXX XXXX '' and " RE-INSERT OF XXXX XXXX MORTGAGE ''. Supporting documentation is attached.
Product: Credit card or prepaid card

I receive unemployment in ca. XX/XX/XXXX I reported that numerous unauthorized tranactions had been made via internet and approx XXXX was stolen during a time when I was very I'll and did not have ability to use or check my card. The bank issued a temp credit then sent a letter stating that credit was now permanent. Then I checked my account was in the negative and they stated that the claim had been closed. I contacted bofa and edd both told me it was because I needed to send identity information to XXXX. Once I did I contacted XXXX and they said I had no freezes or holds. I spoke to bofa and they stated that they would escalate the claim and get it in for reconsideration. The investigation was completed they found it was no fault of my own. But now they are syphoning my benefits from XXXX and I'm still in negative. They never closed my account and XXXX said there was no way for me to stop them from receiving my benefits. I'm on section XXXX I can't pay my pgand e. My daughter goes to school via zoom and I can't pay cable all because bank of america won't put my account back to normal like they stated they would. My name is XXXX XXXX my SS is XXXX. My account number is XXXX. I am devastated. My mom 's maiden name is XXXX my address is XXXX XXXX XXXX  XXXX XXXX Ca XXXX. My phone number XXXX. Dob isXX/XX/XXXX. Please help. I'm drowning in their failure to comply.
Product: Debt collection

Jefferson Capital Systems Have fraudulently reported to my credit report. I was alerted by my credit repair agency and I have filed a complaint I am prepared to file a police report. I am In the process of building my credit and while doing so Jefferson Capital Systems is now reporting fraudulent charges. I have never heard of Jefferson Capital Systems or have I ever signed a contract or made any transactions in any form with Jefferson Capital Systems
Product: Debt collection

I received a letter dated XXXX XX/XX/2021 that a medical bill was sent to collections. They have called repeatedly but it's automated. I've just made a small payment every time they send out a statement for payment. I pay what I can because I don't have the full amount. Even though I've sent in what I can afford to pay they've sent it to collections anyway. I've tried returning the call only to be on hold 25 minutes or longer. It gives you the option of receiving a call back when someone is available. The problem is " a person '' never calls back. It's always the automated system looking to collect. So today ( XXXX XX/XX/2021 XXXXEST ) I called the collection agency because the letter says to call if you dispute within 30 days. That went nowhere. So I'm doing this as a next step. Balance {$450.00}
Product: Credit card

Check # XXXX sent to XXXX  XX/XX/year> Check # XXXX cashed by XXXX  XX/XX/year> Check # XXXX never credited to my account to date of XX/XX/year> XXXX  told me they were not going to credit my balance until I paid it off and I could close my account if I didnt like it!!!
Product: Payday loan, title loan, personal loan, or advance loan

This took place at Ace cash express XXXX XXXX XXXX, XXXX, Ohio XXXX. Took out a {$400.00} payday loan on XX/XX/2023 because I needed basic living expenses paid for until my next paycheck. Called the store to pay the full amount back on XX/XX/2023 and they said I had to pay over the phone on their automated line. Was transferred back and forth from their customer service line to their debt collections department even though I had no collections with them. This transfer happen 8 times and they kept me on the phone for XXXX minutes and XXXX seconds. All their lines were recorded so hopefully we can listen to them. I then called the store back to pay my loan, and they told me I had to come in to pay my bill ( keep this in mind ). XXXX minutes later I was able to rush over to the store and when I got there the attendant told me she was unable to hit the payment button on her system ( by the way this woman behind the computer was very nice, and polite, it was not her fault this happened ). So I asked her to call her manager because I couldnt believe that they wouldnt allow me to pay my bill. But it all made sense why they didnt want me to pay, its because I was in their 72 hour window and they couldnt charge me interest. So when I pulled up my copy of the contract that stated there is no pre-payment penalty I told her to call her manager back and tell her I needed to pay still. Her manager then made up some rule that was not in the contract that I had to make the payment in cash, even though its not stated in the contract this manager named XXXX said that is just is what it is, and for a fee ( {$6.00} ) I could withdraw the cash from them to pay back my bill, then proceeded to act like she was doing me a favor. This place is XXXX, and spooky very fitting for XXXX day.
Product: Debt collection

Already XXXX complaint against XXXX XXXX Bank account XXXX is on file report was made on XXXX/XXXX/XXXX this account maliciously report false information to my credit report knowing my situation ; the cpfb report # is XXXX. Futhermore they continue doing it now through a third party debt collection agency Portfolio Recovery which report to my credit report last XXXX XXXX for the sum of {$600.00}.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : XXXX XXXX XXXX Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Product: Debt collection

I checked my credit report and realizedI had a debt collection for the amount of {$810.00}. I did not receive 30 day notice to dispute the validity of this debt. I am requesting proof of address where the notice to dispute the validity of this debt.I contacted company and the issue hasn't been resolved.Date opened XX/XX/2017
Product: Credit reporting or other personal consumer reports

There exists multiple documented late payments on my credit report that appear to be fraudulent and inaccurate. I would like for my credit report to be updated and correctly reflect no missed payments ever on this account. The error shows on all three of my credit bureau reports as XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Experian, XXXX, and XXXX to reinvestigate this account XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C. 1681 section 602 A. States I have a 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.

15U.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.