23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My complaint is with regard to the service that I have received from XXXX when trying to get answers about the student loans that I have consolidated with them. In early XXXX I went to their website to review my loan balance. I noticed in the secure message area that I had an unread message. It was a letter that was sent in XX/XX/XXXX informing me that they had charged me the wrong interest rate ( 4.25 % ) when I refinanced with them and that I should have qualified for a lower rate ( 3.5 % ) and that they were going to correct this issue and credit me back the extra interest I paid. However, that rate that showed on the summary page of their website for my loan ( when I viewed it in XXXX ) still showed a 4.25 % interest rate. I then looked at my account details to see if they had credited me back any of the extra interest I paid. There were a number of entries both crediting and debiting principal and interest in the months of XXXX, XXXX and XXXX that I couldn't make heads or tails of. Thus, I called their service line to get this issues resolved. I spoke with a service rep who said that he would escalate the issue, get my rate fixed, get an explanation regarding my account history and call me back.. I waited two weeks and did not receive a call back. When I logged on to my account online the rate had been corrected but I could not see in my account details history where I had been credited the extra interest that I paid. Thus, I called them again and spoke with XXXX ( employee # XXXX ). He said he's submit the issues to be researched. I asked to speak with his manager ( XXXX ) but she was unavailable. He said she would call me back the next day. This never happened. I waited another two weeks and called back again. This time I spoke with XXXX, who also could not address my concerns or explain my account history. He too promised to research the issue and call me back. I have not heard from him either. Not once have they called me back regarding this matter or given me any explanation of the transactions that appear in my account history that don't make any sense whatsoever. I have no confidence that they have credited me back the extra interest I paid due to their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting my first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  MO XXXX XXXX XXXXXXXX Balance : {$630.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$560.00} XXXX XXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX Balance : {$3700.00XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have reached out to IQ DATA TO SET UP A PAYMENT PLAN ON ORIGINAL DEBT I CALLED IN XX/XX/XXXXXXXX XXXX  To settle and was told I owe over XXXX in court fees Court fees were included I. Original amount in the amount of XXXX They can not provide any explanation or where the XXXX in court fees came from or a break down
Product: Credit reporting, credit repair services, or other personal consumer reports

My address still shows old Tennessee information. The address says my current address with a PO Box and home address in XXXX Tennessee. The previous address shows my current information where I live now is shown as previous address. They have this information backwards!
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities. 

Delete below accounts and inquiries from my consumer report immediately. 

Accounts : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX  ANY OTHER NEGATIVE REPORTING ACCOUNT. 

Inquires 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL OTHER INQUIRIESXXXX
Product: Bank account or service

Dear CFPB Committee, Happy XXXX! 

Unfortunately, I wo n't be able to celebrate this year due to a number of financials burdens on my soul - including identity theft ( police report enclosed ), XXXX and of course not having enough expenses to cover my living costs.It is with extreme grief to tell you that this particular circumstance has impacted my daily life tremendously. 

I 'm a loyal Bank of America consumer since an year - the day that I first came to XXXX. Bank of America has always been my favorite bank, I 've had the best customer experience from an institution ever in my life. 
Recently, however, I have been in great sadness as per circumstances which resulted in me being self-employed and sufficient, an XXXX with no income. From XX/XX/XXXX, I have been charged with 12 x overdraft fees ( XXXX $ ) fees on amounts as low as {$4.00} while I was on 'decline any transactions ' ticked on my checking account. The fees are as a result of the merchants duplicating transactions on the next day whereas they got declined previously. The merchants were notified about my inability to pay, however, they constantly ignored my requests. I have removed my debit card from auto pay - however, as I have an outstanding balance they kept charging me. Enclosed are the fees that I 'm referring to ... 

I 'm having a tough moment in my life as I 'm on food benefits, thus I do n't have money to cover food expenses - not to mention paying {$35.00} in fees.. As proof, I have enclosed a copy of the food benefits EBT stamps I receive.. I 've called and seek aid from the service fee dispute center, however, without help.. 

XXXX. Even though, I want to remain a Bank of America customer - I 've been paying my Bank of America Secured Credit Card in full each month, as to not owe bank of America money, however I can not allow myself to further pay those fees.. I want to remain loyal as the customer service is superb. 

This being said, is there any way for those fees to have them reduced as to financially stabilize myself from the hole I 'm sinked into. 

Having those fees refunded will greatly improve my life and allow me to buy food.. Please feel free to call me and ask for any proof as to validate my claims but please understand that I 'm in a very hard economic hardship currently as a result of my identity being stolen and the other reasons stated above. 

Yours, XXXX XXXX
Product: Debt collection

On the first week of XXXX XXXX, I noticed an account in collections from AARGON AGENCY INC ( XXXX ) who was attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX XXXX in the amount of {$800.00}. 

This information was disputed multiple times with XXXX and the creditor. The account is in the name of my father, who has almost the exact same name as I. He owned a house in New Jersey, where XXXX & XXXX provided utility service. Which has since fell into foreclosure and collections. 

I have never open, held, or had any type of house or utility service in the state of New Jersey. I never had an account with XXXX XXXX XXXX. This debt belongs to my father. 

I have tried to resolve this collection multiple times now without any luck from any institution.
Product: Checking or savings account

My XXXX report was improperly accessed by KeyBank on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19. When I inquired about this with the bank, they said there is no record of me applying for an account and therefore no inquiry. No account was ever opened, but they still made 4 inquiries, so either they fraudulently accessed the account, or fraudulently denied an account for some other factor.
Product: Credit card

I had paid my XXXX + balance in full including XXXX interest. the day my credit limit would be available to use, it was immediately lowered to XXXX. I use this credit card to pay rent. So I basically used all of my cash to pay off that card in expectation to reuse it for my XXXX dollar rent. I was basically robbed for {$3900.00}. 

I was not given 30 day notice or notice by physical as it is said in XXXX XXXX XXXX https : XXXX I contacted multiple reps and supervisors who give me the run around. this has caused me extreme emotional distress. I already know Goldman Sachs uses my signature and application as collateral and trade the securities. I just want my limit returned to me. 
I will be getting a attorney to further my case.
Product: Credit reporting

Accounts are pass the pass the 7 year statue of reporting negitive accounts. 
The following accounts have been repoting negitive as of XX/XX/2009 and Experian continues to report these accounts. 
XXXX XXXX ( XXXX ) XXXX ( XXXX. 
XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries from these companies below XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX S XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request a reinvestigation of late payment notations on my account, referenced above, which were previously confirmed by your institution in response to a dispute initiated with the credit reporting agencies. The dates of the reported late payments are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX respectfully request that you reinvestigate these late payment entries under the provisions of the Fair Credit Reporting Act ( FCRA ), particularly focusing on the following : Accuracy and Completeness of Reporting - Under FCRA Section 611 ( a ), consumers have the right to request a reinvestigation of information on their credit reports. You are required to ensure that the information provided is accurate and verifiable, especially in light of FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that furnishers of information must not report information that they know or have reasonable cause to believe is inaccurate. Furthermore, under FCRA Section 611 ( a ) ( 5 ) ( A ), any unverifiable or inaccurate information must be corrected or deleted within 30 days of receipt of this reinvestigation request.

Reasonable Investigation Procedures- As outlined in FCRA Section 623 ( b ) ( 1 ), furnishers of information are required to conduct a reasonable investigation of disputes and must report the results to the consumer reporting agencies. If your records do not fully substantiate the late payment entries, these must be corrected and removed from my account and updated with the credit bureaus.

Validation of Billing Practices - Additionally, I request validation of compliance with 15 U.S.C. 1666 ( b ) concerning the timely mailing of periodic billing statements. It is my understanding that billing statements must be delivered not later than 21 days before the payment due date, per the Truth in Lending Act ( TILA ). I kindly ask that you provide documentation evidencing compliance with this requirement for the dates in question. 
Procedures to Ensure Accuracy - Per 15 U.S.C. 1681e ( b ), consumer reporting agencies and furnishers are obligated to maintain reasonable procedures to ensure the maximum possible accuracy of the information being reported. I am requesting an explanation of the procedures your institution follows to guarantee the accuracy of the late payments reported to the credit bureaus.

Please provide a detailed response regarding your findings, including copies of all documents used to verify the late payments and the procedures followed during the reinvestigation
Product: Bank account or service

For two months now I have not been unable to access my M & T bank accounts online. I rely on online banking to pay my bills. I have made XXXX separate phone calls over the past two months regarding this issue. Every phone call they tried to reset my account and nothing worked. I still get a message after I log in that says, " online banking is temporarily unavailable. We are working to resolve the service as soon as possible ''. No one has been able to help me and each time I have called I was told that they have to put my name on a list and a supervisor will get back to me the next day. That never happened! I have now been delinquent on my bills for almost two months. A couple of them I was able to pay directly. I just saw on a my mortgage lender account that the bill that I paid using my checkbook was rejected for some reason and I have been charged XXXX late fees!!! The representatives that I spoke with each acknowledged that it was a problem on M & T 's end but yet they have n't it in two months. I have n't even received a phone call. 

I went to a free standing M & T Bank and they told me that they could not help with online issues. Today is now my fourth phone call to M & T bank. I asked to speak to a supervisor and I was put on hold for approximately 56 minutes now. I am still on hold as I am typing this complaint. I ca n't believe that they would treat their customers this way. In the past I have waited no more than 2 minutes for my call to be answered. 

I need this issue resolved as soon as possible. I have never had a late payment to a payee. Now I have a bunch of late fees and counting. My credit is becoming affected by this. Please advise!!
Product: Credit reporting, credit repair services, or other personal consumer reports

BACK IN XX/XX/1996 WHEN I SIGNED UP FOR COLLEGE IT WAS THEN KNOWN AS XXXX XXXX COLLEGE. BUT THE NAME CURRENTLY IS XXXX. I SUBMITTED A AFFIDAVIT AND LITERATURE TO XXXX XXXX XXXX SHOWING WHERE THIS SCHOOL WAS STEALING MONEY FROM STUDENTS AND WAS ORDERED BY THE COURTS TO REPAY THE MONEY BACK, THIS WAS AROUND THE TIME I HAD SIGNED UP TO ATTEND THIS SCHOOL. THEY WERE CASHING STUDENTS CHECKS, FILLING OUT PAPER WORK FOR FALSE STUDENTS TO GET THE CHECKS. I SIGNED MY NAME 5 TIMES AND SUBMITTED TO XXXX XXXX XXXX. XXXX XXXX XXXX IS ASKING FOR A POLICE REPORT THIS TOOK PLACE IN XXXX, ALABAMA IN XX/XX/1996 WHEN I CONTACTED THE POICE DEPARTMENT THEY LAUGHED AT ME WEN I TOLD THEM THE YEAR OF THE INCIDENT THIS DEBT HAS BEEN FOLLOWING ME FOR OVER 20 YEARS NOT KOWNG ABOUT MY RIGHTS AND THE LAW I NEVER KNEW THAT I COULD HAVE REPORTED THIS SCHOOL YEARS AGO, I WAS YOUNG AT THE TIME AND I THOUGHT THE SCHOOL WAS CHARGING ME FOR NOT FOLLOWING THRU AND DIDNT GRADUATE. THIS DEBT IS ALL FRAUD!!!!!!!!! WHEN I GO ONLINE AND LOOK AT MY RECORD. IT SHOWS ME AS A GRADUATE STUDENT FROM XXXX XXXX COLLEGE. THATS THE FIRST INACCURACY I NEVER GRADUATED FROM COLLEGE WHY WAS IT REPORTED THAT I WAS? SECONDLY I NEVER CASHED A CHECK FROM THIS SCHOOL. I SIGNED MY NAME 5 X AND SUBMITTED TO XXXX XXXX XXXX. I AM ASKING THE DEPARTMENT OF EDUCATION TO STEP IN AND ASSIST. I SENT XXXX XXXX XXXX CRITICAL INFORMATION I GATHERED FROM THE XXXX, ALABAMA COURTS THAT SHOWS THIS COLLEGE XXXX XXXX COLLEGE STOLE MONEY FROM THE GOVERMENT AS WELL AS STUDENTS AND I ENCLOSED IT WITH MY DISPUTE / FRAUD. I HAVE A POLICE REPORT FOR FRAUD BUT NOT FROM XX/XX/1996 AT THE TIME THIS WAS NOT ON MY CREDIT REPORT UNTIL MANY, MANY YEARS LATER. I HAVE PROVIDED CRUCIAL EVIDENCE THAT THE SCHOOL WAS MISUSING STUDENTS FUNDS AS WELL AS CASHING CHECKS OF STUDENTS THAT HAD WITHDREW. PLEASE INVESTIGATE AND REMOVE.
Product: Credit card or prepaid card

First Progress has accepted payments for my 2 credit card accounts and has failed to credit my accounts. I have always made the payments using bill pay from my bank account and the payments process has never been an issue. I also have NEVER been 30 days late with these 2 accounts I have with First Progress. I processed my payments for my accounts via my bank account on XX/XX/2023, and my bank confirmed that First Progress accepted those payments on XX/XX/2023. My payment never posted to my account and First Progress has taken my money. I spoke with several representatives from first progress that assured me that my account would not reflect 30 days late if I faxed over the proof of my payments being sent from my bank account. I sent them over the information requested a total of 3 times via fax and First Progress has still not removed these late payments from my credit report. They have not posted the payments to my account and have not returned the funds either. I demand my account be changed on my credit report to reflect always paid as agreed, removing the 30 days late. I have attached the information for your viewing.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there was a late payment. The delinquent payment showing on my report XX/XX/XXXX was the result of my job loss due to XXXX. The CARES Act which was signed into law on XXXX XXXX and ended XXXX XX/XX/XXXX. This act amended the Fair Credit Reporting Act to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period.
Product: Credit card or prepaid card

I am a victim of identity theft. Someone opened a synchrony bank/JCPenney charge card with a high balance of {$740.00} using my personal information without my consent. The charge card was opened XX/XX/2015. The status was closed but it had a written off of {$740.00}. I submitted the necessary documents to Synchrony bank/JCPenney such as police report, my ID, statement that this charge card is a fraud and I was not the one, who opened it. 
The result of my dispute with the company was that I am authorized and benefited from the purchase. Again, this charge card is a fraud. 
Attached are my documents.
Product: Debt collection

Inaccurate amount of debt owe reporting consumer changed debt owed amount several times since account closed .That 's fraud, no contract, not liable for amount reporting
Product: Credit card or prepaid card

I opened an account in store with the promotion of zero interest for 12 months in the month of XXXX. I proceeded to create an online account on XX/XX/XXXX so that I could make a payment since I had not yet received my first statement yet. I made a payment of {$40.00} on XX/XX/19 to cover my minimum payment of {$27.00} due XX/XX/19. I then logged in again on or about XX/XX/19 to see that my account is marked past due. I reached out through the message center to inquire and was advised the following : Thank you for your recent inquiry regarding your XXXX Mastercard account, and the opportunity to be of service to you. Please note that you have been approved for a late fee waiver. Once your account has billed, you will either see the fee was reversed or the fee was not applied to your account. We received your payment on XX/XX/2019 in the amount of {$40.00}. Payments in excess of the minimum due received on or before your statement close date of XXXX, are applied to the previous months billing, and not credited to the current payment due. We do not have the option of prepaying the minimum payment due before the new bill generates. Please make a payment after your statement close date to avoid a late payment fee, and to keep your account in good standing. Please submit your current minimum amount due of {$27.00} at your earliest convenience. So I called and responded asking what was due month prior to be advised " nothing, you opened your account '' additionally that my " promotion '' had not been applied to my account and they could not assist my beyond collection until I paid my past due amount of {$78.00}, I tried to explain not past due to no avail and was not able to get the situation rectified unless I paid that amount, which I did not due since it was not due. I paid {$40.00}, over the monthly min. of {$27.00} and should not have to jump through hoops because the promotion I also want to make sure that my credit report is not affected.