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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit card

I received an offer online for a settlement to close my AMEX account. The balance was approximately XXXX and agreed to pay XXXX for settlement. I had the payment scheduled and it was deducted from my account. I even sent an email prior to the payment scheduled day to confirm it was for settlement of my account after the payment was deducted they did not close the account or take it as a settlement. They used it as a regular payment and also took a {$300.00} balance that I had an associated send account and applied it to my balance after review down and payment was taken for {$4000.00}.
Product: Credit reporting

After requesting each consumer bureau remove negative XXXX reporting off my credit report I directly contacting XXXX by phone in early XX/XX/XXXX, I was told by supervisor " XXXX '' in XXXX XXXX, MO.that XXXX will not remove the negative collection report off my credit report. I had always disputed the fact that although habitually delinquent due to XXXXloss of income at the time I had always paid my account. I was too sick too fight the mega-giant, my account was closed in XXXX and with my XXXX settlement in XXXX I paid their collections. Now I was well enough to search my financial records, On XX/XX/XXXX I made a written request to remove the false report and provided bank records demonstrating that I had indeed paid my account and was falsely sent into collections. This written request and evidence has been ignored. According to " XXXX '' at XXXX ( there was XXXX accounts under my old phone number when I called ) I never made a payment from XX/XX/XXXX and my account was closed and sent to collections.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I received a card in the mail from Albert Cash that I did not sign up for or authorize. I have attempted to reach Albert Cash by phone many times to report the issue and I am unable to get to a person. I have sent emails to them and I have not received any reply 's. I mailed a fraud packet to them that contained an 609e letter, an FTC Identity Theft Victims Complaint & Affidavit, my police report information and my identity documents. These documents were delivered on XX/XX/22 and on XX/XX/22. I have received no response to these documents either.
Product: Credit card

Subject : Complaint Regarding Late Fee and Consecutive Interest Charges on American Express Account Dear CFPB, I am writing to file a formal complaint regarding the handling of late fees and interest charges on my American Express XXXX XXXX XXXX account ending in XXXX. Below are the details of the issue : XX/XX/XXXX Statement : * Statement Balance : {$890.00} * Due Date : XX/XX/XXXX * Action Taken : I attempted to set up autopay to pay the full balance by the due date. 

However, on XX/XX/XXXX, I received an email notifying me that the payment was not received. I immediately logged into my account and paid the full balance of {$890.00} on XX/XX/XXXX. 

Late Fee Charged : On XX/XX/XXXX, a late fee of {$29.00} was charged to my account. 
I contacted American Express via chat and explained the situation. The agent attempted to waive the fee, but the system reportedly did not accept the adjustment. 

XX/XX/XXXX Statement : * Statement Date : XX/XX/XXXX * Balance : {$1200.00} ( including the late fee and interest charges for the delayed payment ). 
* Due Date : XX/XX/XXXX * Action Taken : I paid the full balance of {$1200.00} by the due date. 

Interest Charges : Despite my full payment, the XX/XX/XXXX statement showed another interest charge of {$23.00}, attributed to the two-day late payment from XX/XX/XXXX. 

Additional Attempts to Resolve : On XX/XX/XXXX, I contacted an online agent again to request a waiver for both the late fee and interest charges. The agent attempted to process the waivers, but the system again denied the adjustments. 

Request for Resolution : I respectfully request that American Express review the following transactions and waive the associated fees and interest charges : * {$29.00} late fee posted on XX/XX/XXXX. 
* {$36.00} interest charge posted on XX/XX/XXXX. 
* {$23.00} interest charge posted on XX/XX/XXXX. 
These charges were incurred despite my efforts to resolve the issue promptly and pay the balances in full. The system 's refusal to process fee adjustments after multiple requests has caused unnecessary frustration and financial burden. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

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

Sent to each credit bureau the following A copy of my credit report I received from them. The fraudulent items listed. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Bank account or service

I have discovered someone stole my identity and opened several accounts with Wells Fargo without my knowledge. The fraudulent accounts were foreclosed on and others sold or transferred to XXXX parties XXXX, XXXX XXXX XXXX XXXX and others from the XXXX XXXX XXXX and XXXX XXXX XXXX. 
Wells Fargo was informed however never corrected inaccurate information listed on my credit report. The inaccurate information continues currently to cause financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Student loan

I receive a collection request from XXXX XXXX for National Collegiate Student Loan for the amount of {$15000.00}. I got a loan back in XXXX with XXXX XXXX XXXX for school not with the National Collegiate Student Trust. I was paying them through American Education Services but they were called something else before that and I ca n't remember that name but it originated with XXXX XXXX XXXX, they changed names several times. I was able to get my Bank which is XXXX XXXX XXXX to pull my payment history for AES but we were n't able to pull payment history for the other name ( before AES ) because XXXX XXXX XXXX can only go back as far as XXXX ( I have attached these payments ). I have been paying on it since XXXX and the loan never moved. I have never been late on a payment, so technically the loan should be paid in full by now. I did n't stop paying on the loan until I filed for bankruptcy. The National Collegiate Student Loan never appeared for the bankruptcy hearing to dispute discharging the loan. Now all of sudden my credit is being hit and I 'm sent to the collection agency for full payment of the loan. I tried in the past working something out with them but they would n't work with me they said I did n't have any deferments. I had twins which lead to me having to file bankruptcy because I was doing it all by myself. I ca n't afford this loan and I feel like they have and are still trying to rip me off. After my bankruptcy the federal government student loan worked out an affordable plan with me and has also forgiven a large portion of my student loan and they have been very helpful. However, the private student loan that is n't federally backed is very difficult and is trying to make me pay a loan for the rest of my life that has technically already been paid off.
Product: Debt collection

This is in additional to my open case XXXX ; attached is our discharge from the judge/attorney that we do not owe this debt. 

The collection agency would not listen to us that we have already been to court and this was dismissed. I spoke with the judge 's assistant and she stated that the case is closed and they should not have put this on our credit.
Product: Student loan

I am trying to pay my student loan and Navient is very limiting in options for re-paying, despite the fact that I have been able to actively pay on time for the past 2 years. I am a home owner now and there are no options to make this more feasible - where I just get the same amount of around XXXX a month. They only give me XXXX options - pay or forbearance. These are not realistic options. I understand that their agents need to close a call quickly ( I guess it 's a goal of theirs ) but they also need to take more time with their customers and give them better options. I 've even considered bankruptcy ... please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX the inquiry was made XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX i am requesting for all of these accounts to be removed they are affecting my credit score and i did not authorize of them to be screened
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act.. 
XXXX XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX XXXX XXXX XXXX account number XXXX, Has Violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened the account in XX/XX/XXXX. I never missed a payment as they withdrew from my checking account. I paid the account in full on XXXX XXXX. As of XXXX XXXX the account still states I owe {$970.00}. XXXX has not reported accurately ( every 30 days ) according to Transunion. I have disputed this through Transunion 3 times and I am still getting the same results. In the process of disputing with Transunion, I also contacted XXXX on several occasions ( speaking with management ) asking why this has not yet been reported. They explain that the information has been submitted to Transunion correctly and in a timely manner. XXXX also stated I need to contact Transunion as they are not reporting correctly. As of XXXX XXXX I contacted both companies to see if any changes have been made. The results are still the same. Still showing I owe {$970.00}. I only received a loan for {$1000.00}. The difference is {$78.00}. So when other creditors look at my credit report, it shows I have only paid {$78.00} since XX/XX/XXXX. That is 8 months ago. I have exhausted all my options. I have contacted Transunion filed 3 disputes, I have contacted XXXX XXXX to many times to count and still the same results. I value good credit and pay my bills on time. This is very stressful knowing its paid on time, paid in full way in advance and hoping to raise credit score. As a consumer, I should not have to go this extreme when I agreed to my obligations and kept my obligation!! I bet if I would have ever been late or not paid I bet that would have been reported!! Thank you, please help this is my last resort!!!
Product: Credit card or prepaid card

On XX/XX/2022, I mailed a certified letter advising Synchrony Bank/XXXX XXXXXXXX XXXX of the dispute I had with XXXX XXXX XXXX in the amount of $ XXXX $ XXXX {$61.00}. I sent copies of the emails that XXXX XXXX sent me stating the discounts that they applied to my account, but never applied these same discounts to my credit card. 

I informed the bank that they needed to cancel the original credit card and issue me a new credit card and not to accept any more charges from XXXX XXXX to my account. As of today, they still have not resolved this dispute and credited my current credit card. 

On XX/XX/2022, I noticed on my XXXX statement that XXXX XXXX had charged on my new credit card {$48.00} on XX/XX/2022, and {$48.00} on XX/XX/2022 ; neither of which had been authorized by me. Immediately, I filed a new dispute requesting a full refund in the amount of {$12.00}, {$48.00} from XXXX, {$48.00} for XXXX, and {$48.00} for XX/XX/2022 = {$150.00}. This company has done nothing but steal from me and Synchrony Bank is enabling them to continue this theft. 

On XX/XX/2022, I phoned Synchrony Bank customer service and was told by their representative that I should not have closed the original credit card and opened a new one because it confused the system. I told him that was a bunch of * % #! And to close this new recent account and send me a new card and do not allow ANY MORE CHARGES TO MY CREDIT CARD AT ALL!!! The reason I asked for a new card was to keep XXXX XXXX from accessing my account and making charges without my authorization. And this bank totally ignored my request and allow them to charge twice on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I notified the company involved. ( Landmark Financial Services XXXX XXXX XXXX XXXX XXXX, GA XXXX Acct # : XXXX AcctID # XXXX ) I asked for them to provide me with documentation that validates this debt and establish ownership : such as a signed application, identifying documentation provided at the time the account was opened. They sent me a billing statement, nothing else. I requested either they validate the debt or remove it from my credit report also that they notify the credit bureaus to do the same.
Product: Credit card

submitted a claim for an item I could not return, why is this taking so long to approve?
Product: Debt collection

In XXXX  XXXX XXXX and Allied Collection of California report that l owe {$1100.00} for rent deposit and the same year they cashed a check of $ 1,166.after the amount was paid, for repair they report to the credit bureau that l owe {$2100.00} and the amount continuing go up and right now the debts is in collection for {$5200.00}. 
I dont know what is this debts is and they refuse to tell us.What is this debts. 
I want that Allied Collection of California be investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account AMERICAN EXPRESS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Payday loan, title loan, or personal loan

Portfolio Recovery stated I owe them XXXX and the original company is XXXX XXXX XXXX XXXX. They stated I opened this account on XX/XX/XXXX but at this time I was incarcerated and there is no way I could have open this account. I do not have a sign contract nor do I have any contract with Portfolio Recovery nor do I owe XXXX XXXX XXXX. I have never did business with these companies. I am not liable for this collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Portfolio Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I made an agreement to pay off a debt with Volkswagon with the company XXXX. I pay them {$500.00} every month automatically pulled out of my account on the XXXX. Its only the XXXX and Volkswagon all of a sudden dinged me for not paying XXXX. 1. I pay the debt collector not Volkswagon 2. The money automally pulled 3. It dropped my score 14 points and Im closing on a house next month I paid off all my debt to help my credit and they just ding my account like that?! I havent missed a payment again I pay every month automatically have it taken out. Please help me ASAP
Product: Vehicle loan or lease

The dealership violated several rights from the consumer law. They heisted my information and put me in a contract with a third party. They failed to provide written notice of the right to rescind and they also failed to provide insurance. Last but least, They charged me for a down payment with a finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 



XXXX XXXX AUTO LATE PAYMENTS REPORTED ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years. 1 5 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 have reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I rented a house about 3 years ago. The previous renter was XXXX XXXX. Other than the initial changing of water services, etc. I've had no contact with him. A year or so ago, I began getting calls from a debt collector. When asked how & why they had my number, they told me they have to right to investigate & call his relatives & anyone who might know him- they found my number by the address & it did not matter if I was on the Do Not Call Registry. One evening a guy came to my home looking for him. This man was driving a tow truck, so we presumed he was there to impound a car. I know that the house was broken into when XXXX lived there. This feels like a threat to my property & personal safety at this point. These people continue to call me about every 2 weeks. I've gotten voicemails form " XXXX '' & " XXXX ''. I spoke to " XXXX, employee XXXX '' today, who refused to let me speak to a manager and hung up on me. I've XXXX  to them & got no response. When the calls from them increase, so do all Robocalls/texts. I feel that they are illegally sharing my info as a threat.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau XXXX CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXXXXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Debt collection

The National Recovery Agency is continually harassing me about a debt that is not owed and that I have already sent them proof of having been closed and paid. It was my account with XXXX when I lived in XXXX. I moved to XXXX  and paid my XXXX bill in full and closed the account when I moved out of state. This company National Recovery Agency has harmed by credit by putting negative information on my credit report despite my having repeatedly telling them that the information they have is inaccurate and wrong.
Product: Vehicle loan or lease

CREDIT ACCEPTANCE CORPORATION Account # XXXX repossessed and sold the vehicle. The amount being reported is fraudulent. I am not responsible for the vehicle. My deceased husband, XXXX XXXX was responsible for the vehicle. Please remove this fraudulent information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX XXXX  Bankruptcy on XX/XX/XXXX. XXXX XXXX XXXX  is reporting my Payment Status on all three credit bureaus account as a collection/charge off as of XX/XX/XXXX.