23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a loan with USAA SVG BK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, USAA SVG BK with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I got a letter and a request for payment from a company called Resurgent. They claim to have purchased my debt of {$150.00} from XX/XX/XXXX. Allegedly I did business or somehow authorized a charge or charges for the above amount with a company named : XXXXXXXX XXXX or LVNV Funding LLC. And Resurgent Capital Services was trying to collect from me. I did not authorize any amount with the company they claim to have bought debt from nor did I even know of this company. I wrote them a letter disputing the charge and asking they fix this error and I let them know I was going to be filling a complaint. Their letter to me trying to collect, was dated XX/XX/XXXX and my dispute and response was dated XX/XX/XXXX and it was sent to Resurgent Capital Services ATT : General Disputes/Billing Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

I received a notification from my credit monitoring service that an inquiry into my credit had been initiated by this company. I have never used this company, nor have I submitted an application for credit with them. I would like to have the inquiry removed from my credit report as well as any information that was submitted associated with my identity removed from their records.
Product: Student loan

In  XXXX  2010 I  was enrolled in   XXXX    College  for a   XXXX   XXXX   XXXX  . I was pulled out of class and asked when will I have a job to repay. The cost was  XXXX . Undoubtable I was promised a great paying career only to make  XXXX  out of school .I know now that this was a for profit school. I never needed schooling to get a license to become a   XXXX   XXXX  . It costs about {$78.00} to apply for the license in Missouri. I have been haunted by this mistake for seven years. The program in place to help   XXXX   students does n't help me being as it only covers  XXXX   2010  students. I deserve the same forgiveness as those other victims.
Product: Debt or credit management

In XX/XX/year>, I entered into a contractual agreement with Clear One Advantage, wherein it was stipulated that I would settle all outstanding credit card debts within a period of 48 months, as per the terms outlined by Clear One Advantage. I diligently fulfilled my obligation by remitting {$280.00} per month for the specified duration, consistently upholding my commitment even amidst the challenges posed by the XXXX. Upon the conclusion of the 48-month period, I ceased making payments, only to subsequently discover that certain credit card accounts still bear outstanding balances. This realization has prompted me to seek your assistance in addressing this matter, as the unresolved accounts are adversely impacting my credit score and impeding my ability to pursue homeownership. I earnestly appreciate any guidance or support you can offer in resolving this issue. Thank you for your attention to this matter. 

Sincerely,
Product: Credit card or prepaid card

I paid off my account in late XXXX XXXX. There was trailing interest that I called and paid off with a representative. There was trailing interest to the trailing interest and I was assessed a late fee, then another late fee. I did not open my statement after the representative assured me that my account was paid in full. I asked to have the late fees waived and during this time my account was in dispute another late fee was assessed. This resulted in an amount due of over {$100.00} which was all accumulated due to trailing interest. I now have been advised that the {$100.00} payment will not payoff my account since there will be additional trailing interest. It seems like you should be able to payoff a credit card at one point in time and not have the ongoing battle of paying the trailing interest. By my calculation they will continue to charge interest on the interest forever! I don't feel that the trailing interest is fair and above board. I also do not feel that being assessed a late fee while your account is in review is also fair. When I addressed this with a representative they indicated that my fees were non-reversable and I would continue to be responsible for trailing interest. I have permanently closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, [ AMEX 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I XXXX XXXX XXXX I'm writing this Bridge Crest off my name they had a A repo on my name im try to remove the amount was {$10000.00} and the date XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX should be removed from previous authorized user 's credit report XXXX XXXX. I have emailed XXXX credit several times to ensure that account be removed from XXXX XXXX 's credit report to no avail to date account is still reporting as an open authorized user account and has been closed for close to 6 months!
Product: Student loan

I am under the XXXX program and had XXXX payments remaining. I was told to apply for the XXXX program when it came out. I did so. When the payment plan went into forbearance my payments stopped. I am XXXX payments away from forgiveness. I submitted for XXXX on XXXX to Mohela. I have tried to call and reach out through the student aide website but wait times are either too long or I do not hear anything back. I need the XXXX reviewed so I can start to make payments to be able to complete my XXXX
Product: Student loan

I was steered into interest-accruing forbearances or deferments and not informed about other, potentially more affordable repayment options, including the governments income-driven repayment plans.As a result, additional debt was accrued between XXXX and XXXX that resulted in having a larger repayment amount than the amount of the loans I took out.
Product: Credit reporting or other personal consumer reports

I have had my identity stolen twice now in XXXX when my house got broke into, in XXXX a lady from XXXX XXXX also stole me and my children idenity and XXXX when some lady from XXXX XXXX hacked my XXXX account and XXXX  I have been through the ringer with these companys and with the data breach 's also it has totally trashed my credit and i can not get any help and it is affecting my life alot XXXX XXXX XXXX XXXX XXXX XXXX and they have not communicated with as i sent multiple letters to them, you can look at my actual credit my history is good My XXXX charge thats paid my home in XXXX i believe and other loans so, i am asking for help Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since  XXXX   XXXX ,   XXXX   I have been struggling to remedy the effects of identity theft. Most of the fraudulent accounts I have been able to block successfully, however  one debt collection agency refuses to block the fraudulent accounts I have specified. Through certified mail, I sent them documents three separate ti mes supporting my position. I sent a letter identifying myself as a victim of identity theft and specified the fraudulent accounts, a  XXXX   XXXX  County police report, an FTC Identity Theft Affidavit signed by an officer, a copy of the credit report with the accounts indicated, a copy of my California 's Driver License, and a copy of an insurance statement as proof of my address. I have called  three times but I keep getting the run around, or have debt collectors s creaming in my ear until I have no choice but to hang up. They conducted an investigation, and failed to notify me of the results. They decided after reviewing the information on the reports, that the debt was in fact mine. But several of the accounts were opened while I was incarcerated in state prison, so they are wrong. I do n't know how to deal with this company and I need help enforcing the law, otherwise these fraudulent accounts will remain on my credit report.
Product: Credit card

I am submitting this complaint regarding the inaccurate late payment reporting and unfair payment practices by Torrid Credit Card ( Comenity Bank ), which have unlawfully impacted my credit score and consumer rights. 
I have attempted to make my payments on time for my Torrid Credit Card account ( XXXX ) via online payments, as I have done for years, ensuring compliance with traditional secure payment methods. However, Torrid has changed their Bill Payment Term and Conditions so that in order to access your account online, you have to agree to only receive statements and all communications electronically or pay a fee to receive a paper statement. I currently receive paper statements and wish do continue to do so, but I refuse to pay a fee to receive what should be free to consumers. 
When I contacted Torrid on several occasions to inquire about making my payments, they tried coercing me into unsafe payment routes ( phone payment to overseas call centers ). I do not feel comfortable doing this because I worry about identity theft and the security of my information, since the customer service department is located in a foreign country. 
As a result of their refusal to process my payments through traditional secure means, my account is being inaccurately reported as late on my credit report. 

Violations : Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 : This act entitles me to dispute billing errors, which includes unjust actions arising from the refusal of mailed payments, resulting in inaccurate late fees and negative credit reporting. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : Protects against unfair practices in debt collection. The insistence on online or telephonic payments, compromising my information security, breaches these protections. 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Ensures accuracy and fairness in credit reporting. Comenity Bank/Torrid Credit Card has inaccurately reported late payments despite my attempts to pay on time via acceptable methods. 

I have sent dispute letters to Comenity Bank/Torrid Credit Card , requesting the removal of any inaccurate late payment information from my credit report. 
I have attempted to resolve this matter directly with the company, but they continue to insist that I pay through unsafe methods.
Product: Checking or savings account

On XX/XX/2021 we went to the M & T branch on XXXX XXXX with the intention of opening a savings account for our XXXX son. We are the court appointed guardians. Our son 's SSI money has been deposited into his existing M & T checking account for almost 10 years. 

We were told our son must appear in person to open an account. We explained our son is XXXX  and unable to XXXX. The M & T representative was indifferent stating that was M & T policy. We asked for a copy of the policy. Our request was denied. We asked for specific guideline on what documents needed to be submitted. Request denied. 
XX/XX/2021 our request for access to the policy was denied by the branch manager at the M & T XXXX XXXX branch. 

On XX/XX/2021 we filed a complaint ( XXXX ) with the Maryland Office of the Attorney General. On XX/XX/2021 in a letter from that office we were told our complaint had been forwarded to CFPB in XXXX, Iowa. Can you help?
Product: Checking or savings account

Huntington bank teller advised submitted ticket for atm deposit issue on XX/XX/2022. Teller advised funds would be placed into account by this morning ; XXXX XXXX. I called Huntington ( XXXX ) XXXX because none of the branches answered the telephone. The only option was to leave a message. When I called yesterday XX/XX/XXXX at XXXX, I requested the procedure for a ticket and the ticket number ; teller at the branch advised no ticket number available. I advised my concerns because this branch on XXXX XXXX lost my drivers license previously. I called Huntington again this morning XX/XX/XXXX at XXXX regarding no funds placed into my account. I was advised the funds would be placed into my account later in the day because it takes 24 hours to process. I called again later today at XXXX regarding status of ticket. I was advised funds were supposed to be released into account but werent. Customer service representative advised manager stated funds will be processed Tuesday. When I requested the procedure/process ; no answer. Just have to wait for the bank to release a cash deposit whenever they are ready.
Product: Payday loan, title loan, or personal loan

REFERRING BACK TO CASE NUMBER # XXXX They charged me {$1400.00} in sole interest for the months of XX/XX/XXXX thru XX/XX/XXXX. 

They applied all the payments i made from XXXX XXXX towards 100 % interest. 

They claim I have accrued interest from XX/XX/XXXX thru XX/XX/XXXX but fail to send me the proper documentation proving that. 

I called on XX/XX/XXXX XXXX and asked one of the senior advisors to send me supporting documentation or at least a contract. They said they would send me my contract and never did. I also recorded another representative claiming there was something wrong with my account and said that i should not have been paying that much interest. 

They also fail to provide receipt or a breakdown of interest for the months they claiming i owe {$1400.00} of interest. 

When I called complaining about this situation they said that the next month my principal balance would go down. This seems as if they screwed up and now their trying to fix it but since payments have already been processed they are trying to cover it up with supposedly accumulated interest. Their system says accumulated interest but they can't breakdown the interest in paper from the months of XXXX XXXX from which months they claim. 

They fail to provide the necessary documentation to prove I was accumulating interest from the months of XXXX-XXXX of XXXX. 

It is mathematically incorrect. If we calculate the interest from XXXX thru XXXX I would be paying approx {$220.00} in interest every month. Thats about {$660.00} in interest. That number still does not equate to {$1400.00}. Also my late fees were reimbursed from restructuring my account. Even if we charged interest on top of interest which im not sure if that is even legal, it still does not equate to {$1400.00}. 

In the letter it stated from AS OF XX/XX/XXXX MY INTEREST RATE WILL BE 5 %. 

Again, I am asking for a breakdown which your call center could not provide. 
I am asking for a breakdown of interest with numbers and supporting documents stating i am paying {$1400.00} in interest. I'm 100 % certain discover is committing white collar theft because of a screw up and will be pursuing legal action if nothing is satisfied.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Checking or savings account

PNC BANK. Will not permit the site XXXX to access personal accounts therefore making the service unusable. They have blocked access this should be illegal as it is my choice to use XXXX to build funds.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$75.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$200.00} XXXX XXXX XXXXXXXX Balance Owed : {$5200.00} XXXX XXXXXXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion nd XXXX  are fraudulent on my following accounts XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXX fraudulent on my credit Account # XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX , NV XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; DPT ED/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$3800.00} ; US DEPT ED XXXX Balance : {$540.00} ; US DEPT ED XXXX Balance : {$2500.00} ; US DEPT ED XXXX Balance : {$4900.00} ; US DEPT ED XXXX Balance : {$3100.00} ; US DEPT ED XXXX Balance : {$2300.00} ; US DEPT ED XXXX XXXX : {$2500.00} ; US DEPT ED XXXX Balance XXXX {$4900.00} ; US DEPT ED XXXX Balance : {$6000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXXXX/XX/2023 ; XXXX  XX/XX/2023 ; XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$28000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1900.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Mortgage

We applied for a mortgage modication through our mortgage company. We sent in applications for XXXX type of modifications. XXXX application was through the HUD website and the XXXX was from the mortgage company. XXXX were rejected for additional information which was the whole modification package plus more information. It was very clear we were getting the " Run Around '' They told us the application was blank in certain areas and items were missing. The application was not blank and was scanned and emailed to the mortgage company as well as sent by priority mail via the post office. We completed alot of paperwork spending hours of our time. We bought printer ink, printer paper, stamps for priority mail and spent our precious time completed XXXX documents for this modification. We kept copies for our records. We do agree with a few minor math issues but it was clear to my wife and I that 360 Mortgage was running us ragged. Wasting our time and telling us we sent them blank applications. Of course we did not send in blank modification applications. We have decided not to send further paperwork until we speak to an attorney. It is clear they have their own motives for delaying us with requests for documents that were already sent. We are very unhappy with this treatment and wish to file a formal complaint into their business practices.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to Experian and asked them to investigate the accounts on my report to make sure everything was 100 % accurate on my credit report. However, they did not do it because they told me the investigation was complete on XX/XX/year>. 

I looked at my report on XX/XX/year>, and noticed some things were still incomplete and inaccurate. 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 to whom the report relates. 

These accounts 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  are not complete and accurate. 

Open dates, dates of last active, dates of last payment are still not accurate. This is groundS for removal. They violated my rights under 12 U.S.C. 1681 Section 604 A Section 2 : This law clearly states a consumer reporting agency can not furnish an account without my written instructions.

And one more thing according to 15 USC 1681s-2 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. 

Check the attachments below.