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

I sent a letter about some accounts that they were reporting that was not mine. They did delete some of the accounts and had an results on the other ones with " Verified as accurate and updated '', but the accounts are not mine. I will like for someone to review the attachment for one of The creditor sent me for the account " verification ''. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the accounts that are in error on my credit report. Attached and has filed a police report with XXXX county to get these errors resolve in a timing matter. They are hindering me.
Product: Money transfer, virtual currency, or money service

Between XX/XX/2023 through XX/XX/2023, I fell victim to two multi-layered scam operations run XXXX  which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).
Product: Checking or savings account

I have repeatedly had issues connecting to my PNC business checking account to manage it. Issues have occurred attempting to access via all three platforms PNC provides its clients to manage the acct., ( Laptop, Dial-In PIN & mobile app ). The error message will say my password is incorrect even though I never changed it. Same with the PIN to access my info over the automated service. Several calls have been noted on my account over the past year and a half. I eventually went in-person to resolve this only to find the solution temporary as the same problem occurred again the next time I attempted to log in via the mobile app. Now the bank will not link with several applications I have requested it to, one of which being payroll.
Product: Credit reporting or other personal consumer reports

Subject formal complaint Regarding Late Payment Reporting, of account number : XXXX for my credit mortgage of the company XXXX Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX for my credit mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Name de company : XXXX XXXX XXXX XXXX : XXXX Date of reported late payment : XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.
Product: Debt collection

I received a letter saying that Monterey Collections has been referred for collection on the unpaid insurance portion of treatment from XXXX, XXXX. Unless I notify their office within 30 days of receiving the notice to dispute the validity of the debt then they will assume the debt is valid. All payments is supposed to be sent to Monterey Collections, XXXX. XXXX XXXX, XXXX, CA, XXXX. Clearly a fraudelant scam as I have never done business with either entity. Monterey Collections is associated with Monterey Financials.
Product: Credit card

Unjustified Lock, Poor Customer Service and Possible Discrimination Complaint Details : I am writing to file a complaint against Citibank regarding my Costco credit card, which was unexpectedly locked while I was traveling overseas, causing significant hardship for my family. 

While abroad on XX/XX/year>, I attempted to make a payment for a class that my XXXX  son would be taking once we returned to our home in XXXX. The payment failed to go through when I tried twice, so I contacted Citis customer service for assistance. Over the course of five calls and more than an hour of time spent on hold and speaking with a total of six different representatives, I was repeatedly told that my card should work and that I should attempt the payment again. However, the card was eventually locked, leaving me stranded in a foreign country without access to my credit card. On my last call, the rep told me because there were many rejected payments, I had to wait for a day. Unfortunately, my card didn't work the following day and I called the customer service again. This time, I was told that their systems were down. 

Upon returning home a week later, I called Citi again on XX/XX/XXXX to inquire about the issue. The treatment I received was poor, and I believe I was discriminated against because of my accent. The representative was very rude, hung up on me, and ultimately blocked my card program entirely. This behavior is not only unacceptable but also deeply upsetting, especially from a company of this global stature. 

My husband later called Citi to resolve the situation, and we were told that we would receive a letter and not sure what that letter would be providing. However, despite our efforts to resolve the matter, our card remains blocked. This credit card is essential for my familys grocery shopping, and we are now unable to purchase groceries at Costco, which is a critical issue for us.

Both my husband and I are responsible individuals with credit scores over XXXX and a history of timely payments. We have never missed a payment, and we find it incredibly disappointing that we are facing this kind of treatment, especially when we suspect it may be due to XXXX or XXXX XXXX  based on our accents. 

I am submitting this complaint to the Consumer Financial Protection Bureau to seek assistance in resolving this issue and to bring attention to the potential discrimination and poor service we have experienced.
Product: Student loan

From XX/XX/XXXX to XX/XX/XXXX I attended XXXX XXXX in XXXX, Ohio. The school has been shut down due to fraudulent behavior. First, I feel that my degree in, XXXX, XXXX XXXX XXXX is worth nothing to me since I didn't learn anything. Our professors/teachers gave us the answers to all of our exams. Everyone in our classes always passed. I am now stuck with huge student loans and am having troubles in the field, because of the lack education. I went to school for an education and did not receive. While I attended the school I was misled in the type education I was to receive and cost of schooling there. When I graduated in XX/XX/XXXX, I was informed of the total cost, this was not the same as I previously told by Reps of the School. I was misled with the information that was given to me at the time. I was not informed that any loans that were to be a private loan. I have {$3300.00} still with Student CU Connect at 17 % interest currently. Although I am current and I have been paying these loans, but I have been having trouble with the payments every month. A few months ago, I was called about a late payment that was not late. They can not prove to me that it was late because, as I was told, they shred all envelopes of payments. When I enquired about them writing off the late fee, I was told there was no late fee. Upon further enquiry, I was told they take the late fee out of payments before applying the payment. Furthermore, XXXX XXXX was forced close its doors for good by the Federal Government and there are many people in a similar situation as I. Forced repaying loans by a school that misled consumers like me. In XX/XX/XXXX I filed a XXXX XXXX claim with the U.S. Department of Education and it is still pending. Also, this has destroyed my credit because there are other things that I have not been able to pay because I have been trying to get rid of this loan. They also keep harassing me with phone calls about my payment. In my opinion these private loans should be connected with my XXXX XXXX claim because they are both coming from the same school. These loans should be forgiven because the school does no longer exist and the courts has awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending these private loans.
Product: Debt collection

I've received repeated phone calls and voicemails from someone claiming to be XXXX XXXX from XXXX XXXX. I was tried of the harrassment so I called the number he left XXXX. I spoke with the same person and he stated that he was attempting to collect on a debt from XXXX and that I owed taxes to them. I stated that I don't have anything from XXXX stating that I owe them any money. ( I do have current and closed accounts with XXXX. ) I said that I'd call XXXX and ask them. He stated that they won't be able to help me because his company has the debt now. I said that if he was who he said he was, then he would have my publicly available mailing address and personal email address linked to the account and he could send me proof of who he was, which account I owe money on, and how much I owe. I hung up and called XXXX and verified with them that my closed accounts were all paid in full and I'm up to date on my current account. I checked my credit report and there's no outstanding debts that I'm not aware of. 

I haven't heard back from them in several weeks but today I received a call on my office phone number at work from the same person using the number XXXX. He asked me to verify all my personal information. I said that I called XXXX and they have no record of my having a debt to them and that I have no proof of who is calling me so I'm not giving out my personal information. He asked me if I was refusing to verify my identity on a recorded line. I said yes and he said to have a nice day and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I notified XXXX and the 3 consumer credit reporting agencies XXXX, XXXX XXXX and Experian that the balance of my XXXX  loans were paid in full. I also submitted documentation, After the alleged investigation both companies return with the same inaccurate information despite the proof they have received and XXXX hasn't done and update to my credit report since XX/XX/2023, They are NOT doing a through investigation if so they would've seen this information is inaccurate.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has YET AGAIN put an extended fraud alert on my account! I am tired of this company doing this without my permission AND when I specifically tell them not to. I have no issue with the other XXXX bureaus, but Transunion continues to do this! 
This needs to be looked into because they continually do this to my account. I am not having this issue with any other group. I am tired of having to send them information in the mail to fix these issues as they will not handle issues on the phone! I feel that the governing agencies need to look into these practices and actions immediately.
Product: Credit card or prepaid card

I had a lost card and closed the account.  The banks always tell you that you need to update information for auto pay accounts.  I had had a problem with a XXXX account I couldn't close so I thought that this would go away, but it turns out the B of A transfers the payment to the new card without the knowledge of the consumer.  This means that you can't stop charges even if you get a new card.  I don't believe it should be legal for the bank to give out your new card number without giving you the option to say no.
Product: Debt collection

I have been sent to letters from a law firm in Virginia called Lineberger Goggin Blair and Sampson, LLP. They are trying to collect money from me for a toll for a tunnel with a license plate Ive never heard of, besides the fact that I have never been in Virginia with a car. Nor have I been in Virginia at all for 15 years. I called the firm and they said I need to dispute everything by sending in via mail my complaint. I think this must be a scam. Please help me
Product: Student loan

XXXX at XXXXcst I spoke with customer service representative XXXX who after advising me of repayment options set me up on the Standard Repayment plan and advised my payment would be {$85.00} per month and the due date would be XX/XX/2023. 

One week later I checked my online account and it stated my bill was {$100.00} and due XX/XX/2023. While this info was incorrect, I went ahead and paid the amount. 

One week later I received a letter advising I had been set up on an Income Driven Repayment plan and would now be charged {$180.00} per month. After calling and e-mailing Nelnet SEVERAL times with no answer/ response, I was able to reach Customer Service representative XXXX on XX/XX/2023 at XXXX cst. She put me back on the Standard Repayment plan and advised my bill would be {$93.00} per month going forward. 

I then checked my account a few days later and it showed my new payment amount would be {$140.00}. 

I have called XXXX times, sent XXXX emails, and am as I write this on my XXXX phone call and have been waiting XXXX minutes to talk to someone. 

This whole ordeal has been absolutely atrocious, if any other agency or company acted this way they would no longer have a business. How peoples Federal student loans were put into the hands of this incompetent services is beyond appalling.
Product: Credit card or prepaid card

On XX/XX/2021 I notice several rebillied from Capitol one after contacting the merchant they refuse to resolve the issues
Product: Mortgage

I am 3 year loan modification with my mortgage company, OCWEN, which reduced our principal over a three year period. I recently learned after being in the final year of our loan modification that OCWEN removed us from the principal reduction after one year into the loan modification. OCWEN did not notify us regarding the removal of the principal reduction program. We are current and have been current on our loan. We live in a XXXX square foot home with XXXX bathroom with XXXX children. At the end of the principal reduction our principal was going to be approximately {$380000.00} which puts us in great standing. OCWEN now states that we owe them {$570000.00}. Our current home value is approximately {$450000.00}. We were planning on selling this home at the end of our loan modification and upgrade to a larger home. If this does not get corrected we will lose our home. We have lived in this home for 9 years. We put a {$60000.00} down payment on the home. This is devastating for my family. Our loan number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I went to try to get an auto loan. My transunion was ran and the agent stated it shows I never had a auto loan paid off. I paid the car off XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion, XXXX account number XXXX date XXXX Augs, XXXX, XXXX Augs, XXXX XXXX, I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

List : Creditor Name, Account Number, Month/Year of Late Payment I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect.

The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED and update my payment history to a green check or grey it out.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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: Credit reporting or other personal consumer reports

DEAR EQUIFAX XXXX GOT UP AND I CHECKED MY CREDIT REPORT AND I THEN REALIZED IM A VICTIM OF ( FRAUD/IDENTITY THEFT ) PLEASE HELP ME TO REMOVE THESE FRAUDULENT ACCOUNTS XXXX XXXX XXXX IS ACCOUNT OPENED XXXX XXXX XXXX, XXXX XXXX XXXX OPENED XXXX XXXX XXXX, XXXX XXXX XXXX N OPENED ON XXXX XXXX XXXX, A FRAUD COLLECTION XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX.PLEASE HELP ME TO RESOLVE THIS ISSUE
Product: Checking or savings account

My account was locked down in the Chase Bank because somebody used my identidy to withdraw funds from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I been asking Experian, XXXX and XXXX XXXX to validate the account from XXXX XXXX sinceXX/XX/XXXX And every time they come back saying the account is verified and accurate. In XX/XX/XXXX they sent me my investigation saying it was verified and accurate once again but I have highlighted the proof that the account is reporting wrong. The original creditor XXXX had written off {$1000.00} but XXXX XXXX has been reporting {$1000.00} and also been reporting false balances. Every time each credit agency says verified the information is still not accurate. This account needs to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian is reporting incorrect information on my credit profile. I have reached out on several occasions to have information removed but issue hasnt been resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A company by the name of Accounts Receivable, in XXXX, FL contacted me first via phone regarding a past due invoice to XXXX Downtown. Membership to this gym was month to month at the time I had a membership and I am under no contractual obligation at this time. I have not had a membership to XXXX Downtown since XX/XX/2014. 

When asked to provide proper documentation as to why I owe said past due balance, no representative at Accounts XXXX could provide valid documentation. I received a generic looking " statement '' in the mail, however it did not indicate a time period from which the past due balance had accumulated, nor did it indicate why the balance was outstanding. 

Representatives from Accounts XXXX continue to call, XXXX times per day. Representatives have even left messages for other individuals, on my voicemail. Representatives continue to threaten further legal action if the balance is not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Both DEPT OF ED / XXXX  accounts have been paid in full and report should not be reporting on my account at all. I have attached below that the balances are at {$0.00} and no late payments should be reporting on my consumer report. I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].