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

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX - XXXX - {$XXXX} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  MIDLAND CREDIT MANAG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Debt Validation Request To whom it may concern, I am writing in response to a communication I received regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of this debt. Please provide the following information : The amount of the alleged debt. 
The name of the creditor to whom the debt is allegedly owed. 
A copy of the original signed contract or agreement that shows I am legally obligated to pay this debt. 
A detailed statement of the account, including a breakdown of the amount owed, interest, fees, and any other charges. 
Proof of your authorization to collect on this debt. 
I request that you provide the above documentation before any further action is taken on this matter. Please note that until you provide sufficient validation of this debt, I will not acknowledge its validity or make any payments. 
Additionally, please be advised that under the FDCPA, you are required to cease all collection efforts until you have provided the requested verification. If you are unable to provide proper documentation, I will expect that the debt be removed from my credit report and that no further collection activity takes place. 
Please send all correspondence regarding this matter to my address listed above. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates is trying to collect debts in which they are not licensed in my state nor hold a certificate of authority for my state of Georgia. 

XX/XX/2020 XXXX Dispute XX/XX/2020 XXXX Dispute XX/XX/2020 XXXX Dispute They continuously harasses me.
Product: Debt collection

XXXX XXXX XXXX has re aged several debts numerous times making them always look new on my credit report. I have filed multiple disputes with XXXX and they will just reject the dispute and mark it as current even though the original date was 2016. They also send me collection emails at least every 2 days.
Product: Student loan

My federal student loans were serviced by Navient until mid-XXXX XXXX, at which point they were transferred to FedLoan Servicing. This transfer was due to my submission of documentation for the Public Service Loan Forgiveness ( PSLF ) program. As I understand it, I had no choice in whether my loans were transferred because FedLoan is the only servicer for loans being considered for the PSLF program. The last payment I made to XXXX on XX/XX/XXXX ( for the due date of XX/XX/XXXX ) was not reflected in my FedLoan records, but a customer service representative told me in XX/XX/XXXX that it could take up to 90 days to transfer payment history. She advised me to continue making payments as usual, even if it said my payments were late due to the missing XXXX payment. It would eventually update with the XX/XX/XXXX payment and the subsequent months would also update so that they would be counted as on-time payments, she explained. 

I contacted FedLoan again in XX/XX/XXXX and was assured that the payment history would update soon. In XX/XX/XXXX I called again to request an update and was told it should update soon. In XX/XX/XXXX, after calling again to ask why my payment had not posted, a customer service rep confirmed that FedLoan had the payment from XX/XX/XXXX ( processed in XX/XX/XXXX ) but it was unapplied to any month and therefore was not counted as a payment. She assured me that she would fix this. I made additional attempts to resolve this issue in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX I had a lawyer attempt to resolve the issue. 

This unapplied payment and the resulting " late '' payments '' have STILL not been corrected. I have made numerous attempts to resolve this with FedLoan over the past year and a half, but no change is ever made. I finally made a double payment in XX/XX/XXXX to bring the account current, as I was worried the constant late status of my payments would negatively affect me. I have now received a notice that one of my loans is no longer eligible for the special grant/forgiveness program offered through my college due to late payment, which is upsetting because I have not missed any payments there is just a payment that has been misapplied for over a year, and FedLoan appears incapable of rectifying the issue. Also upsetting is that I was assured several times that my eligibility for PSLF would NOT be affected ; however, I am now discovering that is not the case because qualifying payments can not be made more than 15 days late. I have made every payment on time or early, but because FedLoan did not apply my XX/XX/XXXX payment, every subsequent payment through XX/XX/XXXX was marked as late. Given that a year and half is a long time to resolve an issue of how to apply a payment, and as evidenced by their lack of action even after being contacted by legal aid, at this point I can only assume that FedLoan is unwilling to properly handle my loan and does not care how their actions have impacted me.
Product: Credit card

On XX/XX/2023, I was charged annual membership fee of {$95.00} for my XXXX of XXXX credit card. On XX/XX/2023, Chase closed my XXXX of XXXX credit card account due to its bank policies. I am requesting this annual fee be refunded as the account was closed by the bank.
Product: Debt collection

Balance {$170.00} Opened XX/XX/2015 ( 2 yrs, 9 mos ) Account status Open Placed for collection Original Creditor Name XXXX XXXX XXXX DPM CHOICE RECOVERY INC XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX called this number yesterday to settle a lower amount and they hung up the phone on me this has been on my credit report since XX/XX/2015, after the doctor 's office said they would not charge me after I drove there in person to get this resolved they said all was taking care of months and months later I got a ding on my credit report, and I called them and they said I had to pay it. I have been mistreated by this error on there side
Product: Checking or savings account

I opened a checking account online with SUNTRUST ( after moving to XXXX from XXXX to be close to my family during the pandemic ) and during the process, requested a funds transfer from my old bank in XXXX to fund the account. Over the subsequent 14 days, this new account was flagged for 'fraud ' 3 times and 3 times I called customer service and 'resolved ' the issue. I spoke to my bank in XXXX, and they said they were not flagging the transaction and everything seemed okay from their end. This also included one trip to the branch to 'verify ' my identity - the branches are not 'open ' but will do transcations through the drive-through. The final phone call - after spending another hour on the phone, the woman told me I would have to go back to the branch again and verify my identity again. I asked that my checking account, still unfunded, be closed and she said she couldn't do that because of the 'fraud ' but that the account would close on its own. I gave one final effort and contacted my local branch via the phone, twice over a 3 day period, to see if they could help. They said there was nothing they could do if it was in the hands of the fraud division. I filed a complaint with the bank. The branch reps also told me the account would close if I didn't fund it. I'm now getting notices that my account is OVERDRAWN and the account is still active.
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 XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

I did request my credit report through XXXX XXXX XXXX XXXX   to EQUIFAX to correct inaccurate information, I provide them all my information. 

They claim unable to find my credit file in their database.
Product: Debt collection

This company is XXXX XXXX who says they bought the debt from LVNC Funding? Neither of these companies are on my credit report and I am showing another company, XXXX, for the debt they say they are trying to collect. I have paid {$350.00} of the debt and they will not provide me with a letter showing this is a valid debt I owe.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and noticed that XXXX XXXX XXXX is attempting to collect a debt in my state, but they do not have the legal authority to do so. Based on my research, this company appears to be closed, making it impossible to properly validate the alleged debt. I have never received any documentation regarding this account, such as the original contract proving I owe the debt or a transfer agreement, including a bill of sale. Despite this, XXXX XXXX XXXX has reported the debt to the credit bureaus, defaming my character and violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection activities until the debt is validated by providing sufficient documentation, which they have failed to do. Additionally, reporting unverified information to credit bureaus is a violation of the FDCPA, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ). This also constitutes an unfair and deceptive practice under 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representation of debt collection. 

Their continued reporting of this unverifiable debt has defamed my character and caused harm, consistent with the principles in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), where the Supreme Court reinforced that attorneys and entities involved in debt collection must comply with the FDCPA. 

I am requesting the immediate removal of this account from my credit report and that all personal information be returned to the original creditor. This is not an attempt to validate the debt but to report XXXX XXXX XXXX for their violations of federal consumer protection laws.
Product: Credit card

I used XXXX XXXX from BXXXX XXXX XXXXXXXX to pay {$20000.00} to Citibank for a credit card payment to be posted no later than XXXXXXXX XXXX XXXX. My statement was due on XXXX XXXX. On XXXX XXXX, I noticed that my payment had not yet posted, so I paid {$2000.00} so I wouldnt be charged a late fee. On XXXX XXXX, XXXX XXXX XXXXXXXX and I called Citibank together to determine what happened with the payment since XXXX records showed it was received by Citi. Citi said it was not received and refused to waive interest fees that I accrued from the payment going through. Citi ( on a recorded line ) continued to say it was not their error. Eventually, the XXXX representative said wasnt Citi having XXXX issues at the time in question? Only then did Citi acknowledge that it could have been their error and only then did they say that I MIGHT be able to seek reimbursement if the interest fees I only incurred because their system was down. Citi failed to alert me that their XXXX system was down during the period in which I may have made a payment and failed to admit, until specifically pointed out to them, that their system was having issues. They refused to process the request for a reversal of the interest fees and said I must call back later to make the request AFTER a new payment is made.
Product: Credit reporting or other personal consumer reports

I am A VICTIM OF IDENTITY THEFT.I PURCHASED MY CREDIT FILE AND I SEE ONE UNAUTHORIZED FRAUDULENT INQUIRY XXXX XXXX XX/XX/XXXX XXXX NEVER GAVE THIS COMPANY PERMISSION TO RUN MY CREDIT.PLEASE DELETE THIS FROM MY CREDIT FILE ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/XXXX I sent a letter for inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item within 30 days gives reason to immediately update this item from my credit report. It has been over 30 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that Equifax credit bureau report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be fixed immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am a new customer of Bank of the West. It took over a month just to open after moving because they kept closing the branch and I ended up driving XXXX miles to XXXX XXXX from XXXX just to avoid going with XXXX XXXX XXXXXXXX. 

XXXX I couldn't get mobile banking to accept a check deposit so I had to deposit in my old XXXX Florida account I hope to be able to close in XXXX when my XXXX direct deposit is changed. I then deposited a check from my own XXXX account to my Bank of the West which it did accept after a couple of tries. Problem is there has been an unreasonable hold placed on my deposit. I was told by customer service when I called there is nothing she could do once the transaction has decided to place a hold. I find again the old excuse of blaming a computer without offing any human assistance. This check is from myself and only for {$100.00}. 

I am XXXX years old and about to have my XXXX insufficient funds since I was XXXX costing me more money and ruining my XXXX credit purchss that takes directly from bank. 

The XXXX issue is XXXX and XXXX XXXX being allowed in the name of voice verification. For XXXX years I have had to argue with every customer service rep I have ever had about who I am. Bank of the West wouldn't even allow me to open via online like they do other people. I shouldn't have to go into private XXXX details about medical conditions that affect my voice like XXXX  and XXXX. I can accept needing to make XXXX correction but XXXX times and still being called the wrong pronoun when my birth certificate says male? This constant arguing affects my physical health and emotional wellbeing and it must end. 

What is worse is my check has cleared XXXX but Bank of the West is still holding my money and I need to get my cat to an unexpected vet visit with the other half of the {$100.00} I deposited.
Product: Credit card

I purchased a Amex egift card with XXXXXXXX XXXX in it. But I can't use it anywhere. I only successfully made one purchase with XXXX but all other payments after are failing. I called the customer service multiple times. The agent confirmed the card is activated correctly, and it should be able to be used online and in physical stores. But it is not the truth. My payment keeps failing, and I keep getting charged XXXX XXXX from the online stores. The agent refuse to transfer my egift card to a physical one and there is no way I can spend the money I load. so I basically lost about XXXX XXXX I want my money back.
Product: Debt collection

I spoke with a person from First Credit svc and was told this acct was opened in 2014. More than XXXX yrs ago. I was told it was from a company named XXXXXXXX XXXX I don't know what kinda company this was and I never opened any acct. with then. I asked for paperwork and more information. It was NEVER sent to me. I also asked how can they put this on my credit report with out verification that this acct is mine??
Product: Vehicle loan or lease

I was Approved for my loan and everything is correct on my credit report as it is on my Loan application so why did I get denied
Product: Credit card

Starting on Thursday XX/XX/XXXX, our direct did not show up in my account with Capital One. 
This carried on through XX/XX/XXXX, we lost access to our account. 
We were then sent an email after stating there would be resolutions since this affected over XXXX people. 
We only had one payment on my bjs card due on the XXXX that could not be covered without the pay. 
But then they raised the minimum payment to {$90.00} from {$25.00}. 
I am low income, with a XXXX. 
And it is hard to keep up every week. 
When i called the number for help today XX/XX/XXXX, the agent was very rude and unhelpful. 
There were 2 late/ returned fees on the bjs card. One was automatically put back, but they denied the second fee refund. And said there was nothing that can be done!! 
Ridiculous, I even scheduled a payment on the card and it is still I'm collections.
Product: Debt collection

In XXXX, govern XXXX entered a proclamation suspending garnishments and the fees that follow due to COVID 19, but today I received certified mail from Alliance One providing a copy of the writ of garnishment to garnish my wages. The garnishment was filed on Not only is this unjust it is bad business. We are in the middle of a pandemic, a state of emergency. Id like to issue this complaint in regards to the proclamation from our governor. 

Thank you
Product: Money transfer, virtual currency, or money service

Wanted to puchase a good from a merchant that stated they had it. The merchant wanted me to send money through CashApp and they will send a receipt of them shipping to my address once they got the money. Right after they got the money, they blocked me. I asked for a refund through the app, the merchant denied my refund request. I emailed CashApp support but they will not do anything. I did not get my purchased goods and I did not get my {$290.00} back. I got scammed. CashApp keeps repeating automated emails to me without actually doing anything. They do not want to help me get my money back. I tried disputing with my bank since my CashApp account has my card saved there.
Product: Credit card or prepaid card

Upon attempting to use my credit card with Bank of America, my purchase was declined. After contacting them to discuss why, my husband and I were told that their system was closing the account on XX/XX/2019, as they needed to confirm some information on the account. What was needed was never offered. I was initially advised that Bank of America could correct the situation but later was advised by XXXX XXXX, Manager, that the only way they could resolve the issue was to allow the closure of our 21 year old account which would have an adverse affect on our credit scores and to start a new account. This would require a hard inquiry on our credit thereby adversely affecting our scores again. It is absurd that our credit scores suffer as a result of issues within Bank of America. I look forward to hearing further from you.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( I am selling e-books and exchanging money ) since ( XX/XX/2021 ). My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment.
Product: Credit reporting or other personal consumer reports

I had identity theft and somethings that are reported does not belong to me. I've contacted the companies and all three credit bureaus. Experian refuses to fix the things that are wrong and false even after XXXX and XXXX has already fixed it on theirs. I don't not give them permission to be reporting anything about me under the fair credit report act. Experian also refuses to take off addresses, names and other information that I have told them does not belong to me. I have hard inquiries that should not be there with companies that I have no business or any dealings with too.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX and Experian included on XX/XX/2021 in my credit score a dispute that affects my score without my approval. Unfortunately, this situation affects the acquisition of services and goods for the well-being of my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first dispute Letter was Sent XX/XX/XXXX.

My second dispute letter was sent XX/XX/XXXX.

My third dispute letter was sent was sent XX/XX/XXXX XXXX continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or Contract bearing my signature.

XXXX has not provided this consumer with the information of who Verified these accounts by virtue of proper documentation containing my signature concerning a debt that is owed.

XXXX is now in violation of the FCRA and noncomplient.