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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Reporting Under FCRA Dear Experian, I am writing to formally dispute the reporting of negative information associated with my previous address, XXXX XXXX XXXX XXXX XXXX XXXX, as it no longer pertains to me. Under the Fair Credit Reporting Act ( FCRA ), I request that this information be removed from my consumer report Immediately Relevant Laws : Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681c ( a ) : This section states that consumer reporting agencies may not report negative information after seven years. Additionally, information that is obsolete or inaccurate must be removed.

- 15 U.S.C. 1681i : This section grants consumers the right to dispute information in their credit report and requires agencies to investigate these disputes. 

Fair Debt Collection Practices Act ( FDCPA ) : - 15 U.S.C. 1692e : Prohibits the use of false, deceptive, or misleading representations in connection with the collection of a debt.

Privacy Rights : - Gramm-Leach-Bliley Act ( GLBA ) : This law emphasizes the importance of maintaining consumer privacy regarding personal financial information. 
- Right to Financial Privacy Act : Protects the confidentiality of consumer financial records.

15 U.S.C. 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ) of this section, a consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) To a person whom it has reason to believe intends to use the information in connection with the employment of the consumer.

15 U.S.C. 1681c - Information excluded from consumer reports This section outlines what information can not be reported, including obsolete information. If an address is no longer associated with the consumer, it should not be reported. 




Given that the address in question is no longer associated with me, I assert my right to privacy and the protection against the reporting of outdated or irrelevant information. This situation may have a negative impact on my creditworthiness and violates my rights under the aforementioned laws. 

I request that you promptly remove this information from my credit report as it is inaccurate. 

Thank you for your attention to this important matter. I look forward to your prompt response within the timeframe established by the FCRA. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I did use payment system from my banks to pay for my credit at XXXX, then my banks show they delivery check to the XXXX on XXXX/XXXX/XXXX 2 days before my due then on my new statement the company charge me XXXX dollars for late fee this not the first time they did that and they keep do that since XXXX and every month they did that, I call them and they wait for this month but nexth month they go up the charge almost double money.
Product: Money transfer, virtual currency, or money service

A person who goes by " XXXX XXXX '' has continued to fraudulently use my phone number, which I have had for almost one year. It is a free phone which I qualify for due to limited income. Venmo is refusing to update my phone number on my account or even attempt to verify it's mine, by inbound or outbound call or text to my number. I recently had issues with my number being used in a fraudulent manner with a food delivery service account where the number was still being used by the other party. Venmo has asked me to " show my bill, " which I have attempted to explain there is none, with the free phone service. They have made no efforts to attempt to verify my ownership of this phone in any other way. We have reached an impasse and agent " XXXX '' refused to allow me to update my phone number, or escalate the issue to someone who may be able to help, in an email attempt on my part from XXXX.
Product: Credit card or prepaid card

Several months ago XXXX changed their XXXX XXXX XXXX card from the XXXX XXXX XXXXXXXX to Comenity Bank. Our main purpose in using a XXXX card was to use it for travel : twice we tried to use it toward travel expenses at XXXX and it was declined, and a third time with a local business. My husband and I both have cards and Comenity claimed that the first payments we made in XXXX were late and charged us late fees. The payments were sent before the due dates but Comenity claims the postal service must have been slow. That being said, we decided to send the XXXX payments return receipt requested, they were sent on XX/XX/XXXX, it was delivered to the XXXX XXXX XXXX on Monday, XX/XX/XXXX ; we have been checking my bank account daily and as of Sunday morning the XXXX of XXXX when the payment was due on XX/XX/XXXX, there is no indication of it being deducted from our bank account. Comenity Bank does not return the checks to the bank so we do not have a receipt of the written check, they just put in a code to charge the account immediately which means it should have been deducted at the beginning of the week not kept in order to charge a late fee, the first charge was {$25.00} saying the next time it would be {$39.00}. 
We are in the process of trying to close these two accounts and may not be able to do anything about the first set of charges, but I definitely know we do not owe a second set of charges. We intend on fighting any further late fee due to Comenity Banks incompetence and to avoid having our credit rating damaged. We have filed a complaint with the XXXX  and reviewed the rating : Comenity Bank has an overall rating of XXXX and an XXXX  rating regarding credit related matters. Review of the complaints indicate that charging late fees seems to be their way of doing business.
Product: Credit reporting or other personal consumer reports

My account 's been in Lost mitigation status for the last on and off year my credit report has been reported with the mortgage being late for about 7 months of that, they have used tactics of not calling me following up with any of my issues acting like my last mitigation accounts been a problem for them although it's been approved every time. Treating me very poorly and then come to find out they're the ones who are being sued for a XXXX XXXXXXXX dollars because they released our personal information and mine was part of that, I literally can't ask for anything from them their demeanor changes as soon as I get on the phone they're rude I'm helpful and now they just sold my mortgage so before it gets old I need this corrected and so they will not work with me with anything. I followed all my obligations with them I've had to upload my applications multiple times and they say they didn't get anything although they definitely have and they've just literally done anything to make this process difficult and impossible.

The last 6 months have been reported late they also have my balance at {$230000.00} which is when I bought the loan and even with my most recent Snapchat of the account which I'll provide because their statements aren't correct either my balance is at {$220000.00} so it's also adversely for affecting on my credit report that way as well causing me issues to obtain a vehicle on which is much needed at this point, I've already worked very hard to get a well-paying job again after dealing with lies and deception from the post office falsifying documents
in my employment case, then worked for you XXXX they discriminated against me my lost it's almost complete on them then I work for XXXX that lawsuits pending and almost complete as well and then I currently work for XXXX and finally a new lawsuit this continues to happen to me because I'm a person with integrity and when I speak about it to people that don't have it did you very unhanded things to me putting me in these shoes, and again places like XXXX XXXX who do the same thing because they can't believe that somebody I know there's very few of us out there are good people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the amount charged from Affirm on my credit report. The amount was paid in full on the affirm website. I sent a screenshot of my bank account statement showing it being paid to XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  will not update my report. I need help. I am tired of these credit reporting agencies getting it wrong. Where are my right?
Product: Credit card

I received an email of credit karma on XX/XX/XXXX. The email received was saying that someone added you to their credit card. 

( ( XXXX XXXX, According to your XXXX credit report, someone recently added you as an authorized user on their account with XXXX. * ) ) I haven't authorized any one to add me to their credit card account. 

I called XXXX on XX/XX/XXXX, and they could not open my credit report. I had to send my documents, license and my social security. I have being calling them to obtain more information. Due that I send the documents in a certified letter, it arrived on XX/XX/XXXX. When I call experian the still can open my credit report and they say it can take up to XXXX to XXXX  days for them to open my case with my documents.
Product: Credit card or prepaid card

This card was payed off at the end of XX/XX/XXXX and someone started making purchase s in XX/XX/XXXX that I wasn't aware of and then they defaulted on it in XX/XX/XXXX.i wasn't aware of these fradulent charges untill recently.
Product: Debt collection

I am filing a formal complaint against UpgradeXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX for their debt collection practices, which I believe violate consumer protection laws. The specific details are as follows : Upgrade Debt Sold to XXXX XXXXXXXX XXXX  : Original Creditor : Upgrade Debt Purchaser : XXXX XXXX XXXX Upgrade sold my debt to XXXX XXXX XXXX, making it impossible for me to fulfill. I believe this action may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), as I am unable to pay the debt. 

I wish to bring to your attention the laws and provisions that support my complaint : Fair Debt Collection Practices Act ( FDCPA ) : Specifically, violations of the FDCPA such as harassment, false representation, and unfair practices. 

XXXX XXXX XXXX Contact : XXXX XXXX XXXX has contacted me via email regarding the debt. I believe this communication may be in violation of the FDCPA. 

Upgrades Other Debt Sold to XXXX XXXX XXXX : Original Creditor : Upgrade Debt Purchaser : XXXX XXXX XXXX XXXX XXXX XXXX contacted my mother regarding the debt, which I find unacceptable. This contact may violate privacy laws.
Product: Credit reporting or other personal consumer reports

My accounts 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 my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Money transfer, virtual currency, or money service

Previously filed with Barclays bank to return monies from two balance transfers from XXXX XXXX. 
The first check for {$15000.00} has been received. The second check for XXXX $ has not yet been paid. I was hoping I wouldnt have to open another report, but I have called and cant seem to get any information again.
Product: Student loan

Well first off, as a government employee, I thought I was going to get my loan forgiven and tried and brought the payment to XXXX XXXX, the threshold for the required forgiveness amount. 
Then I received another email informing me of a new SERVICER, when I had just been switched to XXXX, just closed to a year ago. 
The most annoying thing is that they've been charging me interest even when this Loan is Subsidized. 
Equally, I had brought this Loan down to XXXX XXXX, just to qualify for the President Biden 's Loan forgiveness of XXXX, which I had called XXXX XXXX about this forgiveness, and the Agent did not even know what I was talking about. I insisted until she had to read this information after I had given her the dates of the press release on the issue ; they said they were going to check my qualifications, that's, how I qualify for the loan cancellation, and contact me. They never did. The only information I then received was that of the new Loan SERVICERS. Now this loan that I had brought down to XXXX XXXX, went back to more than XXXX XXXX again.
Product: Vehicle loan or lease

I have a loan with a finance company. I make all payments online and I have submitted {$11000.00} to said finance company without any stipulation that it would go strictly to the principle. I made these payments with the intention of having my payments covered while I recoup from being laid off. I have been trying to work this out with this finance company for months. 

During the first call ( approximately XX/XX/22 ) I cried and pleaded for them to please apply the money I provided towards my payments with no resolve. I was 2 days postpartum from a XXXX and I was transferred, after an already 40 min call, to manager who still disregarded my pleas and convinced me that I should sign an extension and that it would be ok and they will work with me. I did not want to sign this but I was scared, tired, and emotionally vulnerable.

Since all of this began my credit has dropped severely, I am called at least 3 times a day and I live in fear of losing my only mode of transportation. I have asked multiple times to file a complaint but they would not allow me to do so until now. After threatening to file a complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I applied for a XXXX XXXX credit card through Credit Karma. This card offer was marked with Credit Karmas {$50.00} Karma Guarantee, which promises {$50.00} if the application is denied. I fulfilled all application requirements and underwent a multi-step identity verification process as requested by XXXX XXXX. Despite completing all steps, XXXXXXXX XXXX  denied my application, claiming they " could not verify my identity. '' This denial prevented me from receiving the {$50.00} Karma Guarantee, despite having followed Credit Karmas guidelines and meeting all eligibility criteria. I believe that XXXX XXXX  denial reason was not valid, which suggests a possible issue with Credit Karmas investigation into my eligibility for the {$50.00} Guarantee.

I request that Credit Karma honors its {$50.00} Karma Guarantee as promised and clarifies the denial reason given by XXXXXXXX XXXX, ensuring that applicants who meet all requirements are treated fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Consumer Solutions XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/XXXX Dear Sir or Maam, I am taking this time to write you about updating my personal information with your company. 

Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please update to my full legal name : XXXX XXXX XXXX Please remove all phone numbers, emails, and addresses on my credit report. 

Please remove all the other addresses off my credit report as I am a Victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX ( Remove ) The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent accounts US DEPT OF EDUCATION & DEPT OF ED / 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. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.
Product: Debt collection

The exact situation is that I am attempting to contact the collection agency, not the other way around. Agency - Collection Technologies Inc. Student loan debt defaulted, but I am in a position to attempt to resolve the issue. I requested their assistance in XXXX for debt rehabilitation. They advised me to send them information via a form on their website that I would print out, fill in, and mail to them. Since XXXX, I have resubmitted the form with the same information in XXXX, but I have not received a response from them, and my attempts to call them to make sure that they 've received my info, or what the next steps are for the loan have gone unanswered. When I call their number, I only get an automated recording telling me to contact the Default Management Collection phone number. When I call that number, I am prompted to enter my info, and then am told that I need to contact Collection Technologies Inc. There is never a live person that I speak with on either number, and I still have not heard anything from CTI in three months. The debt is being garnished from my wages, but my attempts to resolve the situation feel as though they are being ignored. I want to get the loan rehabilitated and put this behind me.
Product: Student loan

I have a student loan though Sallie Mae Every month the day my payment is due I start receiving multiple calls a day until it registers in their system that I made my payment. So if I pay my payment on XXXX, but it doesn't register till XXXX I'll still receive multiple calls a day until XXXX. Sometimes as many as XXXX calls a day regardless of if we answer the phone or not and regardless of what I say to them. 

Today for example I received a call from them at XXXX and spoke to them at length to explain I would make my payment when my check got deposited, they persisted I told them I would pay it as soon as I got paid. They called again at XXXX, XXXX, XXXX, and XXXX I did not answer.
Product: Credit reporting or other personal consumer reports

I have questions about my credit report ; I haven't gotten any consent from this company. 
on XX/XX/XXXX, an inquiry from XXXX was unauthorized on XX/XX/XXXX an inquiry from XXXX was unauthorized on XX/XX/XXXX an inquiry from XXXX XXXX was unauthorized on XX/XX/XXXX an inquiry from XXXX was unauthorized on XX/XX/XXXX an inquiry from XXXX was unauthorized on XX/XX/XXXX an inquiry from XXXX was unauthorized on XX/XX/XXXX an inquiry from XXXX XXXX was unauthorized on XX/XX/XXXX an inquiry from XXXX XXXX XXXX was unauthorized on XX/XX/XXXX an inquiry from XXXX was unauthorized
Product: Credit reporting or other personal consumer reports

I am compelled to lodge an urgent and serious complaint against Nissan for their mishandling of my credit account, resulting in erroneous late payment entries and a failure to update my personal information, actions that constitute a violation of my consumer rights and the Fair Credit Reporting Act ( FCRA ).

Background and Immediate Issues : Account and Reporting Details : The account with Nissan has been inaccurately reported with late payments. This misreporting is not only erroneous but has unjustly impacted my credit score and financial standing.

Failure to Record Updated Address : Despite proactively informing Nissan of my change of address following a significant incident of mail theft, they have failed to update their records accordingly. This neglect has led to misdirected communications and contributed to the inaccurate late payment reporting. 
Identity Theft and FCRA Violations : Unauthorized Actions and Identity Theft : As per the U.S. Department of Justice 's definition, identity theft involves unauthorized use of personal information. The failure of Nissan to update my address, coupled with the reporting of late payments, aligns distressingly with such a definition, suggesting a misuse of my personal information without my consent. 
FCRA Standards Violation : Accurate and fair reporting of credit information is a cornerstone of the FCRA. The actions by Nissan, marked by negligence and misreporting, are in blatant violation of these standards. 
Key Concerns and Legal Implications : Disputed Late Payments : The late payment entries on my account have been disputed and acknowledged as meeting FCRA requirements. However, the lack of resolution is deeply concerning and indicative of Nissan 's non-compliance.

Increased Vulnerability to Fraud : The continuation of sending sensitive information to an outdated address, particularly after my notification, significantly heightens my risk of identity theft and financial fraud.

Emotional and Psychological Toll : Beyond Financial Damage : The mishandling of my account by Nissan has inflicted significant emotional and psychological distress, exacerbating the sense of being victimized by their systemic failures. 
Demand for Immediate Corrective Action : Rectification of Credit Report : I demand the immediate deletion of the false late payment entries from my credit report and the acknowledgment of my updated address information. 
Call for Accountability : The negligence and apparent identity theft actions by Nissan necessitate your urgent intervention. Their failure to adhere to FCRA guidelines and protect my consumer rights should be met with appropriate repercussions. 
Your immediate attention to this matter is imperative. The resolution of these issues is not only critical to my financial well-being but also to the integrity of consumer rights protections.
Product: Credit card or prepaid card

They keep charging me even the account is close and now they threaten me saying that if I dont pay XXXX $ before XX/XX/XXXX they will take legal action to damage. My credit After this pandemic hit I kept calling them to let them know I am not working and and that I was making my payments but they charged so much interest and fees please help