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

XXXX XXXX Subject : Request for Account Information - Date of First Delinquency, Date of Last Payment, and Charge-Off Date Dear Sir/Madam, I am writing to request specific information regarding an account reported as charged off on my consumer report. The account in question is listed under [ xxxx ] and is associated with your institution. In order to properly understand the account 's history, I would like to request the following details : 1. Date of First Delinquency 2. Date of Last Payment 3. Date of Charge-Off I am requesting this information to ensure the accuracy of the reporting on my credit file, as this data is crucial for resolving any discrepancies or to assess the status of the account.

Please provide me with this information as soon as possible. I am also requesting that if there are any inaccuracies in the reporting of this account, they be promptly corrected.

Thank you for your cooperation in this matter. I look forward to your response within the time frame stipulated by law. If you require any further information from me to process this request, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX, SC XXXX Please delete all other addresses. I can not receive mail or any correspondence nor do I have access to any other address. Please delete outdated addresses and update the addresses with the ones above. 

My only Phone number is XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

See attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ' ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX16- Chase Credit card unsolicited inquiry to my credit I want to delete this inquiry from my credit report. I didnt ask for credit in the company
Product: Payday loan, title loan, personal loan, or advance loan

The company stopped sending me statements/billing documents in XXXX of XXXX. On the online portal it also only shows statements until XX/XX/year>. My loan isn't finished and there is still a balance but I am not receiving any billing statements. I have reached out to them multiple times to get billing statements and I keep being told they put in a ticket and they'll fix it. It is now XXXX and it is not fixed and I have no billing statements still. Here are some of the dates that I called and spoke to agents/put in tickets : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I then filed an official complaint and they actually called me back to try and fix the issue. I was told that they switched to a new system in XXXX and thats why I no longer got billing statement. I was ASSURED the issue was resolved and Id start receiving statements again. The last conversation I had with them was XX/XX/XXXX I believe and I was told 100 % for sure Id get a statement by the end of XXXX. Its now the end of XXXX and I have NOT received it. Im disappointed they closed out the last complaint without actually ensuring the issue was fixed. It was not fixed. This is unacceptable and feels unethical to not have a single billing statement for nearly 6 months and not a single rep wanted to try and fix it until the first complaint rolled in.
Product: Mortgage

PHH has not given me due diligence to receive documents, and to respond to them in a reasonable amount of time. I received my mail today, Thursday XX/XX/XXXX. To my surprise, when I opened the letter, the items were due on the same day, today, XX/XX/XXXX. That gave me exactly 1 day to find all of the documents I needed. The letter from PHH is dated on XX/XX/XXXX, a Thursday, They gave me 14 days to get the document back, including 2 holidays, XXXX and XXXX XXXX 's Day, and weekends. I wonder what date they actually mailed the letter out since it would have been XXXX XXXX. The post office scanned the document to be delivered to me on Monday, XX/XX/XXXX. I received it on Thursday, XX/XX/XXXX. 

I must make a complaint about this because other people are probably being treated the same, and I am certain this is some type of regulation violation. 

Lucky for me, I have a service from the postal office that scans my mail, and dates when they received it, and will be sending it to me. If it weren't for this, I would be accused by the bank that I did not comply with their request.
Product: Student loan

I am writing to file a formal complaint against Sallie Mae for misreporting my student loan payment status, resulting in inaccurate information on my credit report and significant financial harm. 

Details of the Incident : Loan Deferment : - I have been paying on a private Sallie Mae loan since XXXX 
- My Sallie Mae payments had been on auto-pay for several months without and positive payment history issue prior to this occurrence. 
- My Sallie Mae student loan was deferred while I was temporarily attending University. 
- Sallie Mae confirmed over the phone with me it uses automated clearinghouse technology to set loans on and off payments, and my loans were thus paused. 

Error in Payment Due Notification : - Due to a clearinghouse " bug '' or " error '' the agent stated my auto-pay was active but not triggering since the bug. I suddenly had 3 months of payments due in XXXX without any phone calls or notices to me. 
- I confirmed on a phone call with an agent from Sallie Mae in XXXX that I had not received any notice and I was told if I paid that week there would be no credit reporting ; payment was then made. She stated letters had been mailed but myself and 2 others residing at that address monitoring mail never saw letters from Sallie Mae in the time we lived there. Only 1 phone call was ever attempted to my number by Sallie Mae, which was the phone call I picked up and learned about this problem. 

Payment Made : - I promptly remedied the situation by paying in full the amount allegedly owed in XXXX in excess of {$600.00}. 

Erroneous Deferral and Reporting : - Despite making the payment in XXXX as asked by the agent over the phone, my loans were placed on deferral again. 
- My credit report showed a 60-day late payment for XXXX, with no previous late payments ( i.e., it went from XXXXr Current to January 60 Day Unpaid ).

- Sallie Mae representatives continued stating when contacted that they " didn't report that '' or " reported you're paid '' when I contacted them multiple times to report and identify the error. 
Damages : - This incorrect 60-day late payment has lowered my credit score by nearly 50 points, affecting my pending mortgage application. 
- The financial impact of having to correct this error caused irreparable harms. 

Dispute Process and Lack of Resolution : - I opened multiple disputes with Sallie Mae and Credit Bureaus. 
- Each time, I was not contacted by Sallie Mae or the Credit Bureaus, and the disputes were eventually marked " Resolved '' with no real change. 

Request for Resolution : I request the Consumer Financial Protection Bureau ( CFPB ) to : - Investigate Sallie Mae 's handling and reporting of my student loan payments. 
- Ensure the correction of the inaccurate 60-day late payment on my credit report.

- Hold Sallie Mae accountable for failing to provide notice and proper dispute resolution.
Product: Debt collection

I have an old medical bill that was sent to collection that I normally pay on my next  Doctor  visit. I have n't been in so it was sent to collections in which I did n't know of. Did n't receive no letter stating debt and when I did receive a phone call the representative was very rude and threatening. Had a harsh tone and told me that if I did n't pay in a week I would be sued. The representative would n't even work out a payment plan for the debt of {$150.00}. So know it 's on my credit report damaging my credit.
Product: Checking or savings account

On XX/XX/XXXX there was an unauthorized withdrawl from my account in the amount of XXXX. I asked about this and B of A said that it was taken from an ATM in XXXX county where I have never been. I had my card at all times. They denied me and required a write a new letter in order to reopen the investigation. I wrote the new letter and faxed it twice. They have verified receipt, but nothing has been remedied. 

Then on XX/XX/2020, i went to the local ATM and tried to withdraw XXXX. The process went through but no money was released. I called the number on the ATM and they aknowledged that the ATM was out of order and to contact my bank. I contacted B of A and they said they would fix it but still nothing has been done. 

Now I am out XXXX Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$21000.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6100.00} ), XXXX ( Date Opened : XX/XX/XXXX Balance : {$1000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} ), XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$690.00} ). Its been over XXXX XXXX and Experian havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I mistakenly set up an autodraft for my car payment to XXXX XXXX. Two payments were sent from my account before I realized the error which I quickly corrected, XXXX and XXXX of this year. I contacted my bank, then XXXX. XXXX can not find the money even though I have a prepaid monthly account with them! and XXXX is extremely poor in customer service having spent countless hours on the phone with them. My bank could care less. Most of the people working there give me the same pat answer. They do not have my back. I have no way to escalate the problem. They told me it's on XXXX while XXXX tells me it's my banks ineptitude. The bank I have been with for twenty years refused to cover me. Though it was my error they will not consider that fraud has now entered the picture. So currently, I am out of {$440.00}. I'm not trying to make excuses but since my husband died I have been mistake prone but in banking there is no room for human error or compassion. I get that. I'm not even sure I have placed this complaint in the right category.
Product: Debt collection

On XXXX XXXX XXXX XXXX XXXX XXXX  placed a collection on my credit report in the amount {$820.00}. This account does not belong to me and I have no knowledge of it. The account was opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not a resident of XXXX, Tx and never have been. The company XXXX XXXX stated that they opened a ticket on this matter to be resolved. The reporting agency is " TRANSWORLD SYSTEMS INC '' This is not the first the time this has happened to me. I had the exact same thing happen less than 3 months ago.
Product: Checking or savings account

On XX/XX/XXXX I had a cashier 's check drawn up to pay for a passport renewal. I had ordered checks but I was unsure they would arrive in time. I asked the teller if they entire amount would be refunded if I didn't use the checks and the teller said yes it would. I got a {$110.00} cashier 's check and was charged {$15.00} for the fee for the check. The next day I returned the check and was told the {$15.00} was not refundable even though less than 24 hours I was told it was. I called the bank on XX/XX/XXXX and they refused to refund the free. I am requesting my {$15.00} fee to be returned.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

In XXXX of XXXX my loans were transferred to XXXX XXXX XXXX ( PHEAA ) from XXXX as I had completed employment verification forms that would qualify me for Public Service Loan Forgiveness. I have had my loans in consolidation since XXXX and have been paying regular monthly payments on an income based plan. 

Since being transferred to PHEAA, they have not calculated correctly for how many monthly payments I have made and currently state I have made 23 qualifying payments. By my calculations, I should have 100+ qualifying payments. I have contacted them many times since XXXX and was first told that it would take 30 days to go through old records and review my previous payments with other lenders while I was on income based repayment plans. I was then told it would take 90 days. I was then told it would take 90 business days. I was then told it would take 6 months. It has now been 8 months and they have still not calculated the payments. I requested records of all the payments I have made for my personal records. They stated they did not have those records. I called XXXX and XXXX XXXX, my previous servicing entities, and was informed they do not have the records and they were all forwarded to PHEAA. I have requested my case be escalated to a supervisor and I made a complaint with the obudsman, with no response. 

Multiple times when interacting with XXXX  XXXX XXXXPHEAA I have had customer service representatives give me differing information, refuse to answer my questions, refuse to transfer me to a supervisor, and hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaints with Experian concerning misleading and false reporting which is a violation of my consumer rights pursuant FDCPA/FCRA consumer laws that were created to protect consumers from such activity that this company is engaging in in relation to my personal credit reports in their database. The failure of this company to follow the law has led me into financial hardship, I have included documents that is backed word for word with the law showing this company how it is violating my consumer rights, and breaking the law!
Product: Credit reporting

Two months ago I sent in a dispute to Equifax. They did not reply and have not cleared disputed entries. As a result I was denied a credit card XXXX. I included all relevant information including a current drivers license as proof of address.
Product: Credit card or prepaid card

Citi Bank has changed when the new quarter begins on Citi Simplicity card. The new change adds unfairly additional debt to peoples monthly statements The higher balances are harder to pay off and Citi bank reaps additional profits for people make only the minimal payments. They are charged a percentage rate based on the unpaid balance that in this case would be much hire then before because the new quarter or statement begins later then before.The two additional days adds up for a total of five days before the cut off for the new statement begins.Before there would only be a total of two days before the new quarter or statement begins.The quarter used to end on the XXXX and the new monthly statement or quarter would begin on the XXXX. The payment was due on the XXXX of the month. There would only be two day of additional debt being add onto the old statement. Now there is a total of five days instead of just the two for additional debt being added to the old credit card bill. This makes it more difficult for people to completely pay off their bills and the credit card company makes a huge profit charging interest on the unpaid balance. What a scam. For people struggling to make minimum payment -- They are getting royally screwed Citi makes more money on this scam then by charging late fees! You need to get them to reverse this and have the quarter end on the XXXX instead XXXX. There only two days after due date before the new quarter or statement begins.
Product: Credit card

I used a credit counseling service called consolidated credit. They made arrangement 's with Sam 's Club credit to lower my interest and my payment. It has taken to long to pay off so I dropped consolidated and called Sam 's to continue the agreement or to work out some other agreement so I could pay the bill myself. They would not deal with anything and my interest rate has been raised to a high rate and so has my payment. I have never missed a payment. I also have several other accounts with Synchrony Bank. They only work with credit counseling not their customer.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Bankruptcy Information on My Credit Report Notice to agent is notice to principal, notice to principal is notice to agent.

Dear LexisNexis Consumer Center, I am writing to dispute inaccurate information on my LexisNexis credit report. Specifically, my report incorrectly lists a bankruptcy filing that I do not have. 

Personal Information : Full Name : XXXX, XXXX XXXX. 
Date of Birth : XX/XX/XXXX Social Security Number : XXXX Details of the Disputed Bankruptcy : Bankruptcy Type : XXXX  XXXX Bankruptcy Filing Date : XX/XX/XXXX Reference Number : XXXX Additional Case Numbers : XXXX, XXXX Court : XXXX XXXX XXXX Tennessee, XXXX XXXX XXXX XXXX, XXXX, TN XXXX Explanation XXXX The XXXX regarding this bankruptcy is incorrect. I have never filed for bankruptcy. This error on my credit report is affecting my creditworthiness and needs to be corrected immediately. 

Request for Correction : I request that LexisNexis investigate this matter and remove the erroneous bankruptcy information from my credit report. I have enclosed copies of documents to support my claim, including a letter from the bankruptcy court confirming that there is no bankruptcy filed under my name. 

Supporting Documentation : A copy of my government-issued ID ( e.g., driver 's license ) for verification purposes. 
A copy of my Social Security card. 
A letter from the bankruptcy court confirming no record of a bankruptcy filed under my name. 
A copy of the erroneous credit report showing the incorrect bankruptcy information.

Legal References : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), I have the right to dispute inaccurate information on my credit report and request an investigation.

I request that you investigate this matter promptly and provide me with written confirmation once the corrections have been made. Additionally, please send me a copy of my updated credit report reflecting the corrected information.

Additional Request to the Clerk/Authorized Person : Dear Clerk or Authorized Person, I recently pulled my credit report from all three major credit bureaus and saw a bankruptcy being reported in my name. I was unaware that you report this private information to the bureaus without the consumer 's consent. I called the credit bureaus, and they stated that you, the clerk/authorized person, reported it. I would appreciate a letter back stating whether you report to the credit bureaus, the method used, along with the person or department that reported the information, and the procedure used to report that information. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

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

On XX/XX/2022 I received a preapproved loan with XXXX XXXX XXXXXXXX through Credit Karma. That was the only reason for me submitting the application at that time. I was then denied that loan for {$5000.00} preapproval amount. XXXX XXXX XXXX contacted me on XX/XX/2022 via email and phone call informing me of the the denied loan. Stating I have high utilization credit, and too many open credit accounts ( I was not sure what that meant ) being the reason for my denied loan. When reviewing the email it stated XXXX determined I was not approved, but under Credit Karma no information is being reporting from XXXX, only from XXXX and XXXX. So I had no knowledge of the information from XXXX through my Credit Karma account.