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

My credit report is showing late payments to XXXXXXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Product: Credit card or prepaid card

On XX/XX/2021 I made an error when I tried to pay my credit card bill using online bill pay and filled in the wrong line. The check was sent to Barclays instead of XXXX, the holder of my current account. On XX/XX/2021 Barclays received a check from my bank XXXX XXXX XXXX for {$6400.00} paid to an XXXX  credit card that had been previously serviced by Barclays. 

I called Barclays on XX/XX/XXXX when I discovered the error. A representative from the online bill pay company was with me on that call. She sent a copy of the check to Barclays. I later called Barclays again and spoke to XXXX who asked me to send him a copy of the cleared check at XXXX. While we were on the phone he told me he had received the copy. A week or so later I got a call from XXXX DE telling me that a check would be processed and mailed to me in 2 to 4 weeks. I have received nothing. 

On XX/XX/XXXX I spoke to a person in the complaints department who told me there was no record of receiving a copy of the check and no refund has been sent. I also wrote a letter to Barclays on XX/XX/XXXX detailing my issues and never heard back from them. I called again later that week. After being transferred to a manager, they gave me a case # XXXX and told me they would work to have a check mailed out within ten business days. I called again after 2 weeks and they said the check was mailed out on XX/XX/XXXX. It is now XX/XX/XXXX and I have received nothing. 

I called again today to find out what the holdup is. They insist the check is out but I could walk it from Delaware in this amount of time. I have requested that they cut me a new check and send it via XXXX but they will not do that. This is not an insignificant amount of money and they have been holding it for four months. Please tell me what do I have to do to get my money back?
Product: Student loan

I have been right on time and paying more the what my payment is on my student loan every month. I paid {$90.00} to American education services XX/XX/XXXX. No they are demanding I pay {$280.00} XX/XX/XXXX and I just got a noticed that I had to pay XXXX by XX/XX/XXXX!!! What kind of XXXX is that! Thats over {$400.00}! I can not believe they are trying to scam more money from me. If this is not resolved I will be getting a lawyer. They contacted me way to late and are asking for separate payments way to close together.
Product: Vehicle loan or lease

Regional acceptance finance the vehicle through XXXX XXXX for me. One week after the purchase on XX/XX/XXXX the check engine light came on. I returned the vehicle to be serviced. XXXX XXXX kept the vehicle for one year servicing it providing me a loaner for the entire time. I called back to ask the status of vehicle they were fixing. They indicated that it was still being serviced. I called the finance company to let them know that I have not been in the vehicle the entire time I've purchased it and that XXXX XXXX was not fixing it. What were my options? They indicated they would give me a call back 2 days later. I called them back when I was informed that the car was repossessed. The car note for the car was not due until the XXXX and the car was repossessed on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXXXXXX Late payment XX/XX/22 30 days late will be removed. XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00}
Product: Credit card or prepaid card

My name is XXXX XXXX and I am submitting this complaint on my own behalf, and there is no third party involved. 

I am requesting that the imposed credit limit placed on my American Express Blue Cash Credit Card by AMEX be removed. I have spent the last 16 months with a Credit limit of {$3100.00} placed on my American Express Blue Cash Preferred Card, which originally had a limit of {$16000.00}.

Pursuant to 15 U.S. Code 1692d : " A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. '' Since AMEX has taken it upon themselves to fraudulently lower my available credit limit from {$16000.00} to {$3100.00}, this has significantly lowered my credit score and skyrocketed my revolving credit utilization ratio. It has also made it so I have been unable to acquire credit from other lenders, and my overall mental and financial well-being have really taken a hit. This is a direct form of personal harassment, and slandering of my personal reputation- which I do not take lightly, as a Federally Protected Consumer under Title 15 Chapter 41 of the US codes.

This action was supposedly taken as a result of a suspicious charge on my card, in which the company thought that I was using the card for purposes that were not allowed. The very premise of them " conducting an investigation '' is fraudulent though, per 15 U.S. Code 1681 ( a ) ( e ) : in order to conduct an investigation into this matter, they would have needed to gather " information on a consumers character, general reputation, personal characteristics, or mode of living, obtained through personal interviews with neighbors, friends or associates of the consumer reported on. '' They did nothing of the sort- and contacted no one in their supposed " investigation ''.

I demand that this credit limit be removed immediately, and that I am mailed via invoice {$1000.00} for each of the 2 Federal Laws that AMEX has violated- pursuant to 15 U.S. Code 1692k ( 1 ) ( A ).
Product: Debt collection

They are stating the original balance is {$290.00}. Now its {$300.00}. I have never live at the XXXX on XXXX. I explained this to them that this was fraud and they continue to attempt to collect this debt. Now they have put it on my credit report. I have proof where I was living at the time and also now Im a homeowner. This is not mine and I would like it removed off of my credit report.
Product: Debt collection

Grant Mercantile has attempted to collect a debt which is not mine. They have been advised that this debt has been reported under identity theft and provided them a FTC report to support this information. The request was to have it removed as this is not my debt and do not have any other information to support this request for payment requested. They have been advised that I am formally requesting that this be removed from my credit report and provided them a copy of the document to support the request. The company has not advised when this will be collected and am asking for help as I want to get this resolved. 
The company has formally been requested to contact me in writting by mail. I do not want any verbal contact, emails and only want it by mail. This is my right per the Fair Credit Reporting act.
Product: Debt collection

Good morning, I am writing to you following Public Counsel recommendations regarding a PACE loan. I have acquired a property through XXXX in XX/XX/2019, two days ago when receiving my property tax bill I was surprised by the amount over {$13000.00} for a {$460000.00} property, I called the assessors office, talked to the appraiser who had a hard time understanding the amount with me at first, when she actually saw it came from a special assessment from a company called CA First. That is when I discovered a PACE loan had been contracted by one of the previous owners I guess. Property was bank owned upon purchase. The PACE loan wasnt properly disclosed, escrow company sent me documents for signatures two days after COE date, I had contracted title insurance and so was sure that any liens affecting the property would be taken care of. Property was a complete fixer and no features stated on PACE loan are accurate on conditions, I had to remodel home myself. Loan amount was {$80000.00} and CA first is charging a scandalous interest rate of 8.29 %. I am not in contract with them, they wont even give me information since my name doesnt appear, yet I would like to pay my property taxes and I am put under duress to acquit myself of a {$8900.00} over what my actual property tax bill should be. Any contract under duress should be voided ... I would like to seek your help in this matter. 

Thank you very much Best Regards XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX DRE # XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of IDENTITY THIEF FROM A FORMAL EMPLOYER, WHICH THE SETTLEMENT WAS WON! I HAVE NOTIFIED XXXX XXXX  ON SEVERAL OCCASSIONS AND THE ERRORONOUS INFORMATION IS STILL ON MY ACCOUNT. NOW ACCORDING TO THE IRS PUBLICATIONS 4681 canceled debts/CHARGE OFFS. THIS SHOULD BE OFF MY REPORT IMMEDIATELY. 15 U.S.C. 1692g ( a ) Notice of debt ; contents, Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I have consistently asked for debt validation, with wet ink signatures and HAVE NOT received anything of the sort. just some AI generated information which is NOT what I asked for. 
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 I have the settlement check and the letter from the employer admitting guilt, I will attach
Product: Debt collection

MORE LATE PAYMENTS AND INTEREST IN MY CREDIT REPORT.
Product: Payday loan, title loan, or personal loan

Last year in XXXX and XXXX I asked onemain for a payment relief they approved and I accepted and now they have yet to provide what they offered and they are ranking up fees. I feel that Onemain is a predatory lending company who deceived me financially by using what equity I had in my truck at the time and gave me a high interest rate of 22 %. I have been paying on this loan and in one year they are making {$6800.00} add that up in two years thats {$13000.00} and still my balanced owed hasnt moved down a notch. They refinanced my truck upto 21k and they are making one heck of a profit off of me. I cant afford to make high payments with a such a high rate I have emailed the main office and no answer. I want the interest and payments to go down this isnt affordable and this is taken money from people. This is highway robbery and taken advantage of consumers. I have read several other reviews that this has happened to many others. Why isnt the CFPB doing anything about companies doing such and how can they be in business. No one and I mean now one would consider this at all reasonable. I find this taken advantage of consumers and single mothers.
Product: Credit reporting or other personal consumer reports

Experian continue to report inaccurate information. I have deputed this multiple times and each time its comes back VERIFIED. 

15 USC 16811 ( a ) ( 6 ) B ) iii I have requested that each credit bureau provide ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency. Each credit has not provided that information to by written correspondence as requested. 

XXXX XXXX XXXX  has sold this account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  continues to report a balance, the credit report does not reflect that it has been sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA Section 1681s-2 : This section of the FCRA requires that data furnishers ( like the original creditor or debt collector ) report accurate and complete information to credit reporting agencies.

" Under Section 1681e ( b ) of the FCRA, I dispute the inaccurate reporting of this account, as the original creditor should no longer be reporting this account after it was sold.

The credit bureaus have compliance procedures and are required to assure maximum accuracy on your credit report 15 U.S. Code 1681 ( e ) Experian fails to conduct a proper investigation into disputed information on credit report Sham Investigations How can XXXX XXXX XXXX be verified as accurate but sold to a collection agency. Experian continues report it but it does bot reflect being sold, and reports a balance this is FCRA violation. 

Please permanently remove from credit report immediately.
Product: Debt collection

Ability Recovery Services apparently states that they are collecting for XXXX XXXX XXXX XXXX, a debt that is not mine as I was never seen by those physicians. I disputed the debt when it first appeared on my 3 credit bureau reports in XX/XX/2017 as well as with the company. It was removed from my credit reports during that time. Then the debt was sold to XXXX XXXX who placed it on my credit report, it was again removed. It is now appearing a 3rd time being reported this month as a debt that is owed. The amount of {$180.00} appears each time. It is not a debt that I owe. I consider this harassment to have it removed each time. It should be illegal that they can keep reporting the same debt that is not mine in the first place and affecting my ability to buy.
Product: Credit reporting, credit repair services, or other personal consumer reports

TOLD COMPANY NEVER OPEN A STUDENT LOAN EMAIL AND CALL FOR PROOF OF DOCUMENT NOTHING WAS DONE
Product: Debt collection

I am a victim of identity theft. my credit cards and personal information was used without my permission This creditor is not only reporting fraudulent transactions but also aware that this account had fraudulent transactions in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent transaction and the accounts in dispute. I have never had any goods or services from these transactions they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. the fraudulent Transactions i did not give any permission to charge my credit cards or use my personal for any reason. I have contacted Discover multiple time and reported the fraud and nothing has been done and they just keep saying that i have to pay for the fraudulent transactions on the account even after they have requested me to file a police report and identity theft affidavit that have done. 
The fraudulent transactions haven't used the card since 2014 the fraudulent amount is {$4500.00}
Product: Debt collection

We made a final payment to XXXX XXXX XXXX on XX/XX/XXXX and settled the debt owed to a hospital from an emergency room visit. 
On XX/XX/XXXX another collection agency, Wakefield and Associates, Inc, sent a letter attempting to collect that same debt that was already paid. Wakefield was contacted by us and they were asked for details about the debt they were attempting to collect. Once the interest that Wakefield was charging us had been subtracted it was found the details for that debt matched the debt already settled with XXXX XXXX XXXX. Both agencies, as well as our own copy of an original hospital bill have an original balance of {$290.00} and the date of service as XX/XX/XXXX. On XX/XX/XXXX a letter of dispute was sent to Wakefield and on XX/XX/XXXX a paid in full notice from XXXX XXXX XXXX was sent to them. Wakefield has again contacted us on XX/XX/XXXX attempting to collect a debt that has been paid in full.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX was contacted twice over the phone to provide -Debt validation letter -Purchase agreement When contacted they refused to provide both and instead asked for personal information. When that was not provided they were as to find account with account number and refused. On both calls individuals spoke over consumer and hung up phone mid conversation without attempt to resolve issue or validate debt. 

Account number XXXX Was flagged as fraudulent and previously reported to CFPB but XXXX XXXX XXXX failed to investigate or send correct information. Following the disputes and phone calls company has still failed to provide all requested information intimation Such as Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I am also requesting Copy of original contract with my signature Copy of payment history Name and address of original creditor Proof of collection authorization The means of which this information was VERIFIED and VALIDATED
Product: Debt collection

On XX/XX/XXXX, I received notification through the XXXX XXXX Sheriffs Department concerning a lawsuit by XXXX XXXX, XXXX. After reading over the summons, the only information supplied by this company to the court is an affidavit. Until XX/XX/XXXX, I never heard of this company not to mention had any contact with this company by telephone, mail nor email. I contacted this company the same day to find out what this lawsuit is pertaining to and the female refused to give me any information and I advised her that this court summons do not advise me of anything. She advised me very coldly that they sent me a letter back in XXXX. I asked her could she send me a copy of this letter she advised me that she can put in a request but doubt if it will be approved. I never had any business with this company what so ever. XXXX Associates never notified me in writing or by telephone or email concerning an debt. An Affidavit submitted to the court alone does not constitute that XXXX XXXX own this debt. XXXX XXXX failed to prove the following : 1 ) that it owns this debt ; 2 ) an itemize ledger of what I owe ; and XXXX ) the terms of my account. XXXX XXXX failed to send an Validation Notice to me and allow me the thirty days of the date of the validation notice to dispute the debt. 
This company went straight to filing a lawsuit without first validating the debt, which violates the following : Fair Debt Collection Practices Act 808. Unfair practices 809. Validation of debts I am asking that this company be investigated because clearly they're not following the FDCPA.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on XX/XX/year>, which falls within XXXX  ' standard 15-day grace period. Therefore, the account should not have been reported as 30 or 60 days late. 
Clerical error by XXXX : My payment, though made on time, was incorrectly recorded as late due to a clerical error by XXXX. This resulted in the inaccurate reporting of a 30 and 60-day late payment on my account. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payments were made on time, well within the grace period. This documentation proves that no late payment occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

To whom it may concern : I am writing to inform you that I have received a copy of my credit report and it has come up with some errors, on all XXXX ( XXXX, Experian, XXXX ) Several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 

I want this resolved as soon as possible. 

My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 

Also, my current address is XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX! 

I am requesting that the information in my file be updated to reflect only my current correct address. 

Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX is not accurate and should be removed immediately. 

I also ask that you remove any employers and phone numbers associated with my credit report. 

I look forward to your response on this matter as well as an updated credit report. 

Sincerely, XXXX XXXX