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

XXXX XXXX stole my personal information and sold it to other individuals who opened/started credit without my consent i am a victim of identity theft the following accounts do not belong to me : 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

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my files. these issues have been reported multiple times an no action has been taken. these companies are not following consumer law an needs to be deleted an corrected asap. please delete the listed items on file.
Product: Bank account or service

My wife and I opened a business checking account as she already had a M & T account. " bundling '' all accounts allows us to not have a minimum balance and avoid fees. twice this year our account has been overdrawn because they are charging us unjust fees and twice this year we have had to go to the bank and have them reverse the fees because our " bundling package '' was never set up correctly. I 'm wondering if this is fixed or are we going to have to go through this again! then we found out that when we deposit checks without envelope through an ATM and the amount of the check deposited is different than the real amount ( even by XXXX cents ) they charge us {$8.00}. Outrageous! Also, I never read anywhere that when we use our ATM card in a non-M & T machine we pay the ATM charge to the ATM provider but also a {$3.00} fee from M & T! their charges are fraud!
Product: Debt collection

Allied Interstate calls 5-12 calls each and every day. I have asked they not call my number every 5 minutes. They wont comply. This is harassment. Calling people every hour, sometimes not waiting an hour, does not make them want to work with you.
Product: Credit card or prepaid card

Approval email from the Wells Fargo Autograph card said it would arrive in 5-7 business days. After 7 business days, I called and inquired about where the card is in the process. However, the customer service representative said it might take another 2-3 weeks, and the supervisor said it might take another 1-2 weeks. Then, they said they are backlogged for over a month for some customers. Then the supervisor said " oh wow, it just changed to in process just now. '' When I called again, the customer representative said " in process just means when you were approved. '' This is a huge lie from the supervisor to get me off their back by saying it's in process/moving forward when in reality there is NO movement. This is directly contradictory to the " 5-7 business day '' email they sent, and they declined to expedite the card when asked multiple times. However, there is still no definitive date as to when I will get my new credit card as it has not even been made/shipped yet. A colleague of mine I recently found out took over 1 month to get his new credit card.
Product: Credit reporting or other personal consumer reports

Equifax did a XXXX report update on my account as of XX/XX/2024 and dropped my credit from a XXXX to a XXXX and stated the reason that had account balance on my account with balance that had already been paid of 10 days or more. 


They are showing a XXXX XXXX account ending in XXXX with a balance of {$52.00}. And they account was paid in full as of XX/XX/2024
Product: Credit card or prepaid card

Citigroup has implemented a policy which is anti 2nd amendment ... anti business ... anti commerce ... anti American ...
Product: Student loan

I ham having a difficult time getting my loan count to be proper for PSLF. 

I have called several times to the Fedloan Servicing over 10 times in the last several years trying to get my loan count for PSLF properly done. 

Prior to XX/XX/XXXX, my payment counts had been correct. After that, they had gone through a computer system change and it seems to have taken away payments before that had been previously counted. 

My last communications with them had been on XX/XX/XXXX - I spoke with the payment counts. They said that they would re-review it. Since then though, I have not gotten any change in the PSLF counts. 

By my count for all my payments between XX/XX/XXXX to XX/XX/XXXX, one of my loans should have at least 56 that are PSLF eligible and the other one should have 58 that are PSLF eligible counts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of FCRA Violations Dear Equifax, I am writing to formally dispute the violations of the Fair Credit Reporting Act ( FCRA ) that I believe Equifax has committed. Specifically, I am referring to the provisions outlined under 15 U.S. Code 1681n, which addresses civil liability for willful noncompliance. 

It has come to my attention that Equifax has willfully failed to comply with requirements imposed under the FCRA, resulting in damages to me as a consumer. As per the statute, I am entitled to seek damages for any actual harm sustained as a result of such failures, or statutory damages ranging from {$100.00} to {$1000.00}. 

If this matter is not resolved promptly, I will be compelled to pursue further action, including filing a claim in small claims court or seeking arbitration. I hope to resolve this matter amicably and urge you to take this letter seriously. 

Please respond to this letter within 15 days, providing a detailed explanation of how you intend to rectify these violations. 

Sincerely,
Product: Student loan

A set of my student loans are managed by XXXX. I had signed up for direct bill pay and had expected that my student loan payments were being made automatically, on-time. I recently signed on to XXXX website, to see that my account was delinquent. Although automatic payments had been made this previous XXXX, XXXX and XXXX, the automatic payments ceased in XXXX, XXXX and XXXX. I contacted XXXX and they said that they had canceled my automatic bill pay after some mail they sent to my home address was returned. I was never contacted about this cancellation despite XXXX having my up-to-date phone, e-mail and address information. While they have agreed to waive the late fees they charged me, they insist that the derogatory comments to be submitted to credit reporting agencies are valid. I disagree.
Product: Payday loan, title loan, personal loan, or advance loan

Urgent Request for Correction of Credit Report Information Dear XXXX, XXXX, and XXXX Customer Service, I hope this letter finds you well. I am writing to bring to your attention significant concerns regarding the accuracy of information on my credit report associated with my account with LVNV FUNDING LLC. Upon careful review, it has come to my attention that there are violations of federal laws, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. These laws emphasize the importance of accurate reporting and fair practices in the credit industry. I am particularly concerned about the violation of 15 U.S.C. 1666 ( b ), which explicitly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This provision underscores the critical importance of ensuring that payments are not erroneously treated as late. The absence of a robust system to confirm whether I am receiving statements, whether in paper or electronic form, raises questions about compliance with this federal law. By failing to adopt reasonable procedures to verify the receipt of billing statements, there is a risk of treating payments as late, directly contradicting the mandate of 15 U.S.C. 1666 ( b ). Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which prohibits the furnishing of false or inaccurate information, is troubling. The lack of a reliable verification process regarding the receipt of billing statements calls into question the accuracy of the information reported, especially concerning late payments. Considering the gravity of these violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law, I request that immediate steps be taken to ensure the accuracy of information reported to consumer reporting agencies. I also draw your attention to 15 U.S. Code 1681s-2, which mandates furnishers of information to provide accurate and complete information. It is crucial that LVNV FUNDING LLC complies with these obligations to rectify any potential adverse impact on my credit history. In light of the concerns raised, I kindly request that my account status be promptly reviewed and updated to paid as agreed. I believe this corrective action is necessary to align with the aforementioned federal laws and to ensure the accurate representation of my payment history. Your prompt attention to this matter is crucial, and I trust that XXXX, XXXX, and XXXX will take the necessary steps to address and rectify any potential inaccuracies in my credit report. I appreciate your cooperation in resolving this matter promptly. Done in good faith. (
Product: Student loan

I have had to defer my payments due to no income and a chronic health issue that has prevented me from being able to find employment at this time, I need some other options that are legit and not scams in order to be able to defer my payments out longer than the few months that the online deferment allows me to do until I am able to return to work, this has really stressed me out and according to my Dr 's they have advised me to go on this website to see if the Consumer Finance Protection Bureau can advise me of other options that are legit or reduce my payments to the very minimum until I am able to return to work.
Product: Debt collection

I have never done business with portfolio recovery associate and the company is training to collect a debt that I don't owed I request to cease and desist and portfolio recovery associate violated my rights and reported this alleged debt to credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not report any of the payments after XX/XX/XXXX. All payments were made on time until the account was paid off by XXXX XXXX  in XX/XX/XXXX. This gives the impression that the account was LATE or " Potentially Negative '' from XX/XX/XXXX-XX/XX/XXXX.

This is in direct violation of the FCRA. The account was re-affirmed in XX/XX/XXXX and paid in full. 

XXXX XXXX sent me a letter that reporting is correct when it still is not. 

Experian, XXXX and XXXX all three have failed to dispute correctly and are in direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from your firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to your guidelines and I demand that you examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed items must be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one hard inquiry dated XX/XX/XXXX. Showing on all my credit report. I spoke to capital one on XX/XX/XXXX, and no file of me opening a new application or any type of loan.
Product: Vehicle loan or lease

XX/XX/2018 XXXX from XXXX XXXX called a residence and either spoke to, or left information with someone that had no knowledge of this matter and has absolutely NOTHING to do with this matter. Now I do receive some mail at this address. But to actually call someone else 's home is a bit much. Besides mail I have no ties to this residence. Heritage practices these harassing tactics. I pay Heritage.  They want to me to authorize an automatic withdrawal from my account. And that will never happen. I pay {$100.00} a month like I AGREED TO. They want me to pay it twice a month for a vehicle that was totaled and doesn't exist anymore. The insurance paid what the vehicle was worth to them, and there was a remaining balance. I think I OWE alittle over XXXX. Hertiage takes advantage of people that need vehicles during desperate times. I had filed for bankruptcy and had little knowledge of a company such as this. They are nothing but opportunist and Bullies. I
Product: Debt collection

Phoenix financial services had called to report about my medical debt from XXXX and threaten to take legal action if I had not started immediately paying my debt, which in turn made me pay a debt in a 12 month monthly installment of XXXX XXXX the real hillcrest company calling me after letting me know that a 12 month plan installment was actually XXXX XXXX and told me to instantly take action against that other company Phoenix financial services LLC
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and identified THREE ( 3 ) reported late payments on an account where I have consistently made on-time payments. Consumer Reporting Agencies hold a critical role in ensuring the accuracy of reported information and are obligated to maintain Maximum Accuracy under the Fair Credit Reporting Act ( FCRA ). 

For the account ( account name : XX/XX/XXXX and number : XXXX ), I firmly assert that I have never been late with any payment. I request an immediate investigation and demand verification through detailed account statements proving the alleged late payments. If such proof can not be provided, I demand that these payments be corrected to reflect their accurate status as on-time. 

Thank you for your prompt attention to this matter.
Product: Bank account or service

I am complaining about PayPal Credit, formerly known as XXXX. This company seems intent on not having me pay off my debt, and giving me credit when I do n't want it. I was just charged a {$25.00} fee on an {$89.00} bill I did not know I had. The company apparently automatically signed me up to put on PayPal Credit, anything I bought or paid for using Pay Pal. So when I thought I was paying something off immediately, at the time of purchase - I have a bank account linked to PayPal - I was actually putting stuff on PayPal Credit. There has always been something suspicious and shaky feeling about XXXX, which is now PayPal Credit. I suspect they are doing their best to put charges on this credit card like service, and then charge people late fees. Because you get no bills in the mail, it 's quite easy to do, especially when they are signing you up for it automatically.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Debt collection

After reviewing my credit from the 3 agencies, I noticed that there were 2 accounts listed as open but charged off from the company Portfolio recovery. It was listed twice under 2 addresses and 2 different amounts. The were other discrepancies including who and when this debt began. If they are a third party debt collector that buys debt, this would be an old account and it is hitting my credit 7 times. I believe this keeps showing up on my credit report packaged from an old account over 16 yrs ago now showing up again. I sent a certified letter asking them to remove the account or provide evidence of the original owner and if they bought this debt from said original company than they would have paid less than the amount of the original debt. Furthermore some of the reports show open and some show charged off. They have not provided me with any information. 
Part 2 of this issue is that when calling them to ask if they have received my certified letter, I was interceded by a company called XXXX XXXX. That was the first time I attempted over the phone to speak with Portfolio recovery. Yesterday I tried to call them again and the call was answered by another so called credit repair company called credit sage. I found out that these are basically the same company that works with these 3rd party collectors such as portfolio recovery. In doing that they never let you speak with Portfolio. Both credit glory and credit sage offer to delete this immediately off of your credit reports and charge a fee. The fees vary are are suspicious in that they tell you they can offer a discount after they speak with their " manager. '' I will be filing another complaint about these 2 companies as they took money from me and never did one thing that was promised. Basically they stole money from me in a scam that I can not get a refund for. But that is a separate complaint that I will report.. Right now I was to get to the bottom of these 7 open accounts from Portfolio recovery who has not followed that law about responding to my requests to provide me the information or remove said debt from my credit report recycling it over the last 16 years. It is my understanding that they have continually ruined my credit and continue to violate the rules- one being that the credit is well over 10 years old and they are asking for money that they cant prove I owe.

Thank you so much for considering my complaint to not only help me restore my credit but to ensure that these credit predators are no longer hurting others like myself. 
Best XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A states : I have the right to privacy.

15 US 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 US 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 US 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Experian and XXXX are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$630.00} ; ( Original Creditor : XXXX ) XXXXBalance : {$610.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1400.00} ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX.