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

I have a credit card with Discover for the past few years, i set up auto pay on the account a few months after getting this credit card. The monthly payment been coming out of the account for years. In XX/XX/XXXX i checked my account online ( I have online banking with this account ) and the website stated that i owed XXXX dollar plus XXXX late fee. I called the credit card company and i was told " the company was not able to get the money from the bank for XX/XX/XXXX '' i gave the customer service a new account ( XXXX XXXX )  and i was told that the payment went through. At that time i set up account alert. A few days after making this payment i got an email stating that i owed 2 months payment. I immediately though that is not accurate because i paged for XX/XX/XXXX, XX/XX/XXXX and also set up auto pay with the new XXXX XXXX account. I called customer service again and after the agent repeat the information the routing number she has was not correct. I repeated the check information and a payment of XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. A few days after i checked my credit and i saw a late payment on my credit history, from Discover card, which i know was put on my account recently, i check my credit score twice per week. Because of this company my credit score drop from XXXX to XXXX. No one from the credit card company have ever call me, or send me an email to notify me that the payment did no go through. Back in XX/XX/XXXX if i have never checked my account, at this time and date i would have owed three months payment and no one from the company would call or email me about this situation. After being aware of the problem i called many times to make sure everything was corrected and no one notify me about the problem. But, yet the company is quick to report me stating that i made a late payment. I have auto pay and all my credit cards therefore, each month each credit cards get a payment. And to see this late payment on my credit i am very dissatisfied with this credit card company service. Now i do understand when many people tell me about their experience with these credit companies, and why they top paying there credit card bills. You try to do the right things and you still get yourself in trouble. And they don't care about there customer. If this issue is not solve i am going to sue this credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am grateful that you took the effort to CORRECT some of the data in my credit report, but there are still some items that require updating or deletions. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These disputed items should be corrected immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

American Express is refusing to accept the terms of my Debt Management Program through XXXX XXXX XXXX XXXX, a licensed Debt Management Services Provider and member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told by a customer care representative that American Express has their own hardship program called XXXX. I asked to be enrolled in the XXXX program but they are refusing to enroll me. American Express told me the terms of their program require me to be out of the program for at least one year before I can re-enroll. The terms they have set up do not allow for any recovery after a recessive business period, which is essential to business XXXX XXXX. The Federal Government ( Federal Reserve Bank ) does this when refrain from raising interest rates while waiting for the economy to return to a more robust strength. American Express is blocking my ability to achieve financial stability and credit worthiness due to their terms which amount to keeping me in a virtual debtors ' prison. This is illegal and unfair business practice. Full disclosure, I was enrolled in XXXX from XXXX XXXX to XXXX XXXX with The XXXX ( R ) due to a hardship in my business resulting from the terrible winter at the end of XXXX which wiped out all attendance at a major trade show I attend in XXXX thereby leaving me with all the costs of attending an out of state trade show, but none of the sales. I paid off The XXXX XXXX ( XXXX ) in XXXX XXXX and closed the account. This time it is for the XXXX ( XXXX ) XXXX XXXX, a different card but due to another terrible winter at the end of XXXX, abysmal trade show attendance and meager sales I am having trouble paying down my balance, this card allows for a revolving balance. I call American Express about every XXXX months to get my APR percentage rate reduced and now it is at 15.99 % which American Express has told me is the lowest rate that I can receive. If I were enrolled in the XXXX program the interest rate would be 9.99 %. To maintain fair business practices American Express has to accept the terms of my Debt Management Program through XXXX XXXX XXXX XXXX or enroll me into their XXXX program. I have inquired multiple times if American Express favors a Debt Management Program and to please give me the details. I was told that because American Express has its own hardship program it does not accept any outside Debt Management Programs. All of my phone calls to American Express have been recorded by American Express and they can confirm all that I have written here from those calls as well as the frequency of my calls to them. My current monthly payment is unsustainable at the amount and interest rate and it is putting my ability to maintain a healthy business at risk. This is why I have reached out for help during this stressful time. I now need American Express to extend a hand to my business, where all of the goods have been handmade in downtown XXXX XXXX since XXXX, so we can survive this slump and go on to prosper, all of us.
Product: Debt collection

In XXXX 2017 I received a notice dated XXXX XXXX, 2017, from XXXX XXXX XXXX XXXX that a XXXX, XXXX account in my name had been placed with them for collection of {$510.00}. I do not have nor have I ever had a PayPal, Inc. account # XXXX. Per the instructions in the collection letter, I notified XXXX in a letter sent by certified mail on XXXX XXXX, 2017,  that I disputed the claim, that the PayPal account number was not mine and that I had no outstanding obligations to PayPal. After the letter disputing the claim was sent, I received at least four phone calls attempting to collect the disputed amount. XXXX never sent me the promised verfication of the debt or a copy of any judgment as they said they would if I disputed the debt. On XXXX XXXX, 2017, I received second debt collection letter dated XXXX XXXX, 2017, from XXXX XXXX for this PayPal bill that is not mine. The amount of the account balance has risen to {$1000.00}. I have again written to XXXX and disputed the validity of the debt.
Product: Debt collection

I have no debts that are in a collection status, great credit score, am not the person this company is trying to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX XXXX placed a missed payment negative history on my account. I do not currently do business with this company and do not have any missed payments. The account was opened in XXXX and was closed in XXXX. All offers iade to resolve the account were refused. They just popped it on my credit report without any reason or basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX
Product: Checking or savings account

I need to file a complaint against Bank of America. On XX/XX/XXXX I deposited {$500.00} into my account with my debit card. I got a receipt from the atm showing the transaction. Later that day I wasn't able to access my money. I called them to see what was going on. I was told by a customer service representative that my account was closed on the XX/XX/XXXX. If my account was closed how was I able to deposit the money? I didn't receive any notifications/emails/letters etc saying that the account was being closed. I've filed a claim but have been getting the run around. I went to the location where I used the atm and they were no help. When I call the number they all tell me different things. I spoke to a manager in the claims department and he 1st told me that the claim was denied! He put me on hold and then came back and said they will be sending me a check. I didn't deposit a check, I deposited {$500.00} of my hard earned money. I want my money back!!! How is this even possible that they can take my money and act like it's no big deal?? This is an error on Bank of America 's part because they didn't communicate with me, they closed my account and they let me use a debit card that shouldn't have worked if my account was closed!! I just need MY money back and not when they feel like it. This is stressing me out and I need to get this resolved now.
Product: Debt collection

I am writing to bring to your attention an issue on my credit report that requires immediate correction. Upon reviewing my credit report, I noticed the presence of late payments that I believe have been inaccurately reported. I kindly request your assistance in promptly addressing and rectifying this matter. 

I understand the importance of accurate credit reporting, and I value the integrity of the information contained in my credit file. However, I believe there may be errors in the reporting of late payments that are affecting my creditworthiness. To assist you in resolving this matter, I have enclosed copies of relevant documentation, including proof of timely payments during the periods in question. 

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 customer service representative XXXX 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXX  customer service representative . 

I respectfully request that you conduct a thorough investigation into the reported late payments and take the necessary steps to either remove or correct them on my credit report. I am confident that, upon review, you will find that the reported late payments are inaccurate and do not reflect my payment history accurately. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate information be corrected promptly. I trust that you will handle this matter with the diligence and attention it requires. I kindly request that you keep me informed of the progress and any actions taken to address this issue.
Product: Credit reporting or other personal consumer reports

Earlier this year i signed up for a credit monitoring app and found out that someone had applied tor 4 credit cards under my name to am address i no longer even live anymore, immediately froze my credit and place a fraud alert on my report, i reach out to these banks ( XXXX, XXXX XXXX, capital one and XXXX XXXX ) to let them know i wasn't the one who applied for these cards. 

I also found out that the bank detected the accounts where fraudulently opened and had terminated the cards but then the cards still appears on my credit report and have BADLY affected my credit score which went from XXXX to currently XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of unauthorized inquiries on my credit report. After reviewing my report, I noticed the following inquiries that I did not authorize and have no knowledge of. As these inquiries were made without my permission, I ask that they be removed immediately per Law 15 U.S.C 1681N XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX, XXXX, XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRAL FINL CONTROL or any company associate with this account # XXXX, XXXX, XXXX, XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

Terrible company closed all of my accounts and atleast 12 different people I know during the pandemic theres business and then there is heartless and just completely rediculous even if my issue is resolved definitely plan on making sure their actions are made very public Creditors established payment arrangements for people and were naturally backlogged in getting the updated with the bureaus i was clearly never late prior or since they shutdown my Wayfair Card much like everyone zero warning then when you got to make a payment they act like youre bothering them. Went to use express card says I cant must have closed that with zero notice to customer service rep said its still open but unfortunately community is very inconsistent Your own employees haha They already decreased my express card twice in a 3 month period meanwhile always pay early its paid off completely and was used recently
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under. 15 U.S.C1681.

** These items below are inaccurate reports, accounts balances inaccurate dates, multiple creditors under different names, some accounts not mine. 

** Creditors below have yet to provide proper documentation, they respond stating all reports are accurate. Which they are not at all. Still can't prove accounts do in deed belong to myself, name, dob, Birthday and social. 

Acct name : XXXX acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX XXXX XXXX acct XXXX XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX  " XXXX XXXX '' acct # XXXX Acct name : XXXX XXXX XXXX XXXX acct # XXXX Acct XXXX XXXX XXXX, acct # XXXX Acct name : XXXX XXXX acct # XXXX Acct name : XXXX, XXXX # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX  XXXX, acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX acct # XXXX Acct name : XXXX XXXX IXXXX XXXX, Acct # XXXX Acct name : * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

* 15 U.S.C 1681 Section 604A Section 2 states I must consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication; * 15 U.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.

* 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

* 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Student loan

I have an approved borrower defense case against the art institutes and I would like the navient school misconduct Private Loan discharge application. 
My federal student loan was just discharged based on an ED finding that XXXX  XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. Because of the pervasive and widespread nature of the misconduct by XXXX XXXX XXXX, ED has determined that it is appropriate to discharge the outstanding loans made to all students who enrolled at XXXX XXXX XXXX. My private loan for this school should be discharged and refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. The dispute was filed with CFPB XX/XX/2022 complaint number XXXX. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

1 ) Account Name : XXXX XXXX  Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I decided to buy a home. I went to a place called affordable housing. In affordable housing they started off by asking what my credit score was and I had no idea at the time. They recommend I got my credit report pulled and we go from there. As we reviewed my report I notice a numerous of things that were not mine. Can you please remove these items from my report. XX/XX/XXXX/XX/XX/XXXX XXXX {$2500.00} XXXX XXXX {$2200.00} XXXX XXXX {$2000.00} XXXX XXXX {$5500.00} XX/XX/XXXX/XX/XX/XXXX XXXX {$3500.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$77.00} XX/XX/XXXX/XX/XX/XXXX XXXX {$900.00}