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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts for proper and clear reporting in my file that prevents from degrading my score. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$7.00} XXXX  XXXX XXXX Balance : {$180.00} XXXX  XXXX XXXX Balance : {$360.00} XXXX  XXXX Balance XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$250.00}
Product: Debt collection

5 years ago my identity was stolen. XXXX opened an account for the person who stole my id. {$200.00} was charged in telephone calls. When the bill was not paid, XXXX contacted me. I did not know my id was stolen. I immediately filed a police report with XXXX XXXX Tn police dept. I filed a form with XXXX to explain that my id was stolen and sent them a copy of the police report. 2 years later XXXX attempted to force me to pay the debt through a debt collection company. I again submitted the police report. Now 5 years later and XXXX is again demanding payment through their debt collection company afni. They harrassed me with phone calls and many many mailings demanding money. I am sure XXXX wrote off the {$200.00} 5 years ago. Now they want me to get a new police report and send them all my info again, for something that happened 5 years ago. And this is the XXXX time they are demanding this info. This is pure harrassment. They wait 5 years to demand money again. The afni has sent many letters demanding money. They said if I do n't fill out a new report they will continue to demand money.
Product: Credit card

I received XXXX phone calls today between the hours of XXXX and XXXX from Synchrony bank in regards to a debt on my account. I was not award of the debt owed as they had an old e-mail address and I elected not to receive paper payments. ( I only used the card XXXX and must have forgotten that I did not sign up for autopay on the account ). I picked up on the XXXX attempt at XXXX and paid the bill and updated my email address. When I asked if I could request not to be called as frequently next time I was told that they can not control the amount of times I am called as the account is called via an auto-dialer system. I said that it was abusive to be called this many times in one day on my cell phone. They said I could talk to customer service if I would like, but I declined the opportunity as I was hoping to present my issue here. I did not provide express prior consent to be called on my cell phone. The account was purchased by Synchrony Bank about a year ago and at that time, not request for consent to call was provided to me.
Product: Credit reporting or other personal consumer reports

These inaccuracies are violations of Section 607 ( b ) of the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, under Section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), TransUnion is obligated to investigate and correct any inaccurate information on my report, which they have failed to do in a timely manner.
Product: Debt collection

My son received medical attention in the ER. The hospital had incorrect billing information. The claims were denied because of this incorrect information. Hospital is aware of their mistake, but will not do anything about it. Hospital has agreed that the information they had was inaccurate. 
Hospital says dr has to resubmit information. XXXX XXXX XXXX says that debt collector has to resubmit. The insurance company is reaching out, but no one will return their call. All the insurance asked is for the claims to be resubmitted with a letter stating the billing information was incorrect at time of service. They refuse to do this. Commonwealth will not resubmit or contact the hospital or dr to verify information. They have informed me that all that they can do is offer a settlement for an amount that I do not owe. I have bills for {$520.00}, XXXX, and {$740.00} for dates of service on XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX the supervisor on XX/XX/XXXX. Extremely rude and hung up on me after telling me that all he can do to help is offer a settlement.
Product: Checking or savings account

On XX/XX/2021, my local bank in XXXX, Oregon ( Simple Bank was their name ) closed. Accounts were all moved to BBVA. I waited a couple of days, then followed all of the promps to log in and change my account to BBVA. There is no support from Simple. They are completely cosed. I started calling BBVA. I have tried at least 5 different numbers. I have made over 20 calls since XX/XX/XXXX. I have spent more than 24 hours on the phone. Hold, transfer, give all info, hold, transfer, hang up. No one at BBVA can assist me in getting access to my account. They have reset passwords and I am still locked out. 
My debit card does not work. I have NO NO NO access to my money and BBVA does NOT have any concern for this little worker. 

They are very difficult to communicate with and sometimes impossible to understand.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX 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. 

DEPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I had been charged in error on my Barclay Jet blue card for a stay at the XXXX XXXX. I had submitted all the proof of my paid receipt which was charged to my XXXX and they opened an investigation. Even with proof they denied me and kept the charges on my card. I called the consumer advocacy in XXXX and they helped resolve the matter but it too 7 months. The Barclay bank has closed mat account because obviously I refused to pay and had been continually explaining to them the matter was being investigated by the State Attorney General 's office. This XXXX the hotel contacted me and admitted that there was an error and have been trying to send a credit to the card but it is not working because the bank closed the account. The amount of the refund is large and I need help resolving this matter. I feel the bank should also be held accountable for completely disn=missing the facts and not doing anything to help resolve this matter considering the facts were I had a paid receipt and it was extremely obvious what had happened. My refund they are trying to credit me card is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Settled Account Still Showing a Write-Off The account is reported as " Paid in settlement '' with a " {$14000.00} written off. '' Once settled, the balance should reflect as XXXX without a charge-off designation. This violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

Incorrect Payment History The payment history incorrectly lists " CO '' ( Charge-Off ) for multiple months in XXXX, even after the account was settled and closed. This misrepresentation affects my creditworthiness and violates FCRA guidelines. 
Unverified Debt and Reporting Beyond Closure No evidence has been provided to confirm Capital Ones right to continue reporting this account in its current inaccurate state. The status update in XX/XX/XXXX should mean no further derogatory reporting is necessary. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within five ( 5 ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

THE ACCOUNT WAS OPENED WITHOUT MY CONSENT AND WAS DONE THROUGH DATA BREACH AND THE AMOUNT IS {$37000.00}. I ASKED AN INVESTIGATION AND PROPER VALIDATION DETAILS AS REQUIRED 12 CFR 1006.34 ( B ) ( 5 ). DESPITE THIS, THEY VE ADDED A CHARGED OFF TO MY REPORT. I VE ALREADY TRIED TO RESOLVE THESE ISSUES DIRECTLY WITH THEM, BUT THEY CONTINUE TO VIOLATE MY RIGHTS. FOR EACH VIOLATION LISTED. I AM ENTITLED TO {$1000.00}. THEY MUST EITHER COMPENSATE ME OR REMOVE THESE ACCOUNTS IMMEDIATELY. THE COMPANY ARE AND AMOUNT, XXXX {$27000.00}, XXXX XXXX XXXX, {$1600.00}, XXXX XXXX XXXX XXXX  {$370.00}, XXXX XXXX XXXX {$990.00}, XXXX XXXX XXXXXXXX XXXX {$3000.00}, XXXX XXXX XXXX XXXX THE TOTAL IS {$37.00}, XXXX THAT ARE IN CHARGED OFF OR COLLECTIONS WITH THE 3 CREDIT BUREAU.
Product: Debt collection

The following accounts are inaccurate and fraudulent. I did not own the following debt. 



XXXX XXXX  XXXX XXXX / XXXX / {$730.00} XXXX  XXXX XXXX XXXX XXXX / {$230.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX In accordance with the fair credit reporting act, XXXX XXXX Account # XXXX, has violated my rights.

1

5 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXt account # XXXX, XXXX XXXX XXXX account # XXXX, I XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

Over 4 months ago there was a transaction done through XXXX using the prepaid card I have through my job for the merchant XXXX in the amount of {$99.00}. That same night I canceled my subscription with XXXX and they issued a refund to prepaid card ending in XXXX through paypal for the canceled services. I was told to wait 30 days for the refund to hit my money network account. I still have not received it. I called XXXX to see what was going on and they not only provided documentation showing the funds were refunded to my bank, but they also sent me a timeline sheet showing when it was sent to the prepaid card provider ( Money Network ). I called money network to file a dispute for the refund because it did not go into my money network prepaid card. After Money Network claimed to investigate the claim, they denied it saying XXXX refunded it to my XXXX account which is not true, especially because of the documentation XXXX provided. Money network refuses to help with this situation and has my {$99.00} just sitting in one of their accounts somewhere. I need my money back asap. It belongs to me.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally request the removal of an unauthorized hard inquiry on my credit report. This inquiry was made by TD Bank in connection with a TDFIT Personal Loan application. At the time of the application, I was assured by your representative that I would be approved based on my credit score and bank statements, even as the sole owner of my XXXX, where deposits are made into my business checking accounts. However, contrary to these assurances, my credit report now reflects a hard inquiry from TD Bank. 
This unauthorized hard inquiry constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies can only furnish a consumer report for permissible purposes and that users of consumer reports, such as TD Bank, must have a permissible purpose to obtain such reports. The FCRA, specifically under 15 U.S.C. 1681b, outlines the permissible purposes for which a consumer report may be obtained, and this situation does not meet those criteria. 
Furthermore, the misinformation provided by your representative constitutes deceptive business practices, which are prohibited under the Dodd-Frank Wall Street Reform and Consumer Protection Act. This act gives the Consumer Financial Protection Bureau ( CFPB ) the authority to protect consumers from unfair, deceptive, or abusive acts or practices ( UDAAP ).
Product: Payday loan, title loan, or personal loan

Company will not acknowledged or apply payment to my loan even though I have a cancelled check. They claim they did not receive.
Product: Debt collection

LVNV FUNDIND LLC ATTEMPTS TO COLLECT A DEBT. ( DEBT BUYER - NEVADA ) I HAVE SENT A WRITTEN REQUEST TO DEBT BUYER REQUESTING VALIDATION AND VERIFICATION OF THE ALLEDGED DEBT. NONE RECIEVED/NO RESPONSE ALLEDGED DEBT HAS BEEN REPOTED TO THE NATIONAL CREDIT BUREAU/S .
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XXXX XXXX fr0m TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Stating that my credit report has information for XXXX XXXX  credit cards that my interest rate was to be raised due to the : serious delinquency, not explaining what the delinquency is. That my ratio of credit limits is too high ( yet no late payments and I always pay much more than minimum and on time. Also that I had too many accounts ( again, paid on time and paid off! ) And the delinquency is unknown, TransUnion has no idea! TransUnion has for many years given these false, undated and unknown credit reporting and clean my files and continue to update.
Product: Credit reporting or other personal consumer reports

As a borrower of student loans to finance my education, I entrusted XXXX to manage my consolidated accounts to streamline the repayment process. Unfortunately, they have not done a great job at accurately reporting information to the credit bureaus. On XX/XX/XXXX, I received notification XXXX that " XXXX/DEPT OF ED has flagged your account as Not Paying Off Your Balance and Can not be Located ''. XXXXXXXX XXXX error resulted in a staggering decrease of XXXX points. For starters, none of my contact information has changed since I consolidated my loans back in XX/XX/XXXX. Another thing, is that my account isn't due for repayment until XX/XX/XXXX, per the loan agreement, so how can they flag my account as not paying off balance when I haven't even entered the repayment period? Let alone them being unable to locate me, when I have prooof of correspondence in the form of emails/phone calls/mail from them prior to the inaccurate reportings...? 

I reached out to XXXX that same day ( XX/XX/XXXXXXXX  ) and was on hold for more than 2 hours-switching between representatives-until finally the call disconnected and I was unable to get back through as it was after hours at by that point. So the following business day ( Mon XX/XX/XXXX ), after more than XXXX I was able to speak with a supervisor who assured me she would take care of the issue. Now it's been 45 days and the issue has yet to be corrected. I need assistance ASAP, because apparently XXXX is quick to causes damage, yet slow to repair it...
Product: Bank account or service

I 've been having problems with BBVA compass bank. I 've been having some rough finacial problems and I let the company 's know this. I 've asked if they could close my account and they said no because it was in the negative zone. I then asked if they could some how put my account on hold or freeze it and again they said no. Some months back i called BBVA compass bank if they could help me out. they said yes and that i would have some peace of mind. They told me they would help me out that for 6 months the credit card companys would not touch my account. they said i would have to go to the bank that day and they were going to fax me some documents saying they were going to stop any other and or farther transaction and that I would have to sign them and I would send them back. After I signed those papers I was told to call back to notify them that I signed and faxed them back. When i told them about it they were going to send me another set of papers and as soon as i would recieve them to sign them and then send them back as soon as possible which i did. Thinking they were going to help me I called on XXXX XXXX, 2015 to check if I owed the amount I was told 3 months back, I heard the recording and was shocked. It has accumlated over time after i was told would no longer be touched. I went today to discuss about this and the banker that was helping me didnt really help me he made a call and i had to discuss the matter with the women on the phone. I was told that they never recived the papers that i had to SIGN AND FAXED TO THEM WHICH I DID! She also said my account would continue to accumulate and could n't do anything about it. She then said i was responsible for the papers which again i did send and was putting the fault on me. I told her if she was blaming me for there mistake and she said no. In the end I was left with no one to help me. And then found this by a friend. I 'm hoping you can help me because there is no one else to turn to. I 'm willing to pay what I owe there as long as they can stop it and take no more.
Product: Debt collection

Get these perjurous panhandling frauds out of my inboxes. XXXX -- Vi XXXX XXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as stalking and harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Product: Credit card or prepaid card

XX/XX/XXXX received a letter stating my application was submitted for a credit card I then called the bank Comenity and spoke to the fraud division who said my Social Security number was used to open an account.They told me the would take care of the problem. I then called back on XXXX and asked if I could get a copy of the online application which was filled out and was told I would have to request it from the Clerk of Records. 
XXXX I sent a letter to the Clerk of Records explaining I would like to see the application since this is considered internet fraud. 
I did not get any response to this request so I called XXXX and was told they could not accommodate the request that I had to get a subpoena. 
I feel if my rights were infringed upon and according to a F.B.I. law XXXX covering identity theft I feel I have the right to see where that application came from. I told the bank this was the second time in five years their bank was used.
Product: Credit reporting or other personal consumer reports

I called and tried sending a email on XX/XX/XXXX with no return response. Im asking why they have reported my account as closed when I am still making on time payments every month and this has affected my credit score significantly and if they have gone out of business the customer should not be the one to be punished. I need that removed off of my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn. I have been a victim of identity death. I found numerous accounts on my credit report. They were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.
Product: Student loan

I 'm a customer with Navient , the Largest student loan servicer ; which in this case it has harmed me more so than helped me as the borrower throughout the repayment process. With having to do forbearance over a period of time, it literally made my small loan turn for the worst with owing nearly five times of what I borrowed. The company has failed to admonish myself about other payment opportunities that would be suitable for my situation, yet along explain the process of how false leading forbearance may be with add ing more interest to the loan. For which so, I 've been taken for granted and wish to look into lawsuit actions immediately.
Product: Credit card or prepaid card

I closed my credit card with Citizens Bank because of how they sneak people into signing for online billing statements and then charge exorbitant fees when the person didn't consent to the fine print and doesn't realize they are late on payments. The CFPB should have a class action law suit on our behalf. 

In any case, I received my final bill from Citizens Bank credit card for purchase made from XX/XX/22 through XX/XX/22. Since my card was still open, I should have received reward points of 1.8 % on my purchases. I received XXXX.