23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

A loan that I have for XXXX XXXX was transferred to Pinnacle Financial Group. I made a couple of payments via the web site provided. However, I never got a payment statement, a late payment notice or was shown a past due amount on the web site. So, I did not pay the note for a couple of months because I had know way of knowing if the web site was official, active or where my money was going. Needless to say, the principal amount was not being reduced by my payments. When someone finally made contact with me about my loan, I asked for a schedule to show how my payments were being applied because the principal remained the same. I found that even though this is a simple interest loan, my payments were being applied only to the interest with no principal reduction. This practice has continued as late as XX/XX/XXXX. It also happened on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I will never pay this car off at this rate and they have continued this unfair practice of not applying my payments to the principal and interest correctly or to schedule.
Product: Credit card

I got a XXXX XXXX promotional period when applying for a credit card with Bank of America. The promotional period ended on XX/XX/XXXX statement and the due date of that statement is XX/XX/XXXX. If not paid in full by XX/XX/XXXX then I will be charged an interest rate. I paid the balance in full and money taken from my account on XX/XX/XXXX. They still charged me some interest and claimed that the balance expired on XX/XX/XXXX and had to be paid by then. Ive never seen it in any written paper and had requested a refund but was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good-standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX Dates XXXX
Product: Vehicle loan or lease

I had a car loan with Well Fargo and the interest rate was higher than I noticed even having a great credit score i was paying {$250.00} monthly. when the car was bought off the lot, I believe it was {$13000.00} but when it was all said and done, I feel like I paid way too much. I put {$2500.00} down and still took a while to pay down the interest.
Product: Credit card or prepaid card

American Express will not dispute a charge despite me having XXXX and being sick. 

The charge was on XX/XX/XXXX and was for XXXX. The merchant said they were having a systems problem and would refund me later. They only refunded XXXX, which is a simple mistake. 

American Express is refusing to help me, thus breaking their user agreements. 

I have tried for months and they still, for some reason, will not dispute the XXXX difference. 

This is my last step before I sue.
Product: Student loan

Hi, I have been feeling disturbed with the total loan debt I owe with Navient. It is currently over XXXX! It does not make sense. I was always encouraged to apply for Forbearance, and that led to more increasing in interests which added to the loan. 
I previously asked for lower payments like XXXX XXXX per month. They did not go any lower to the amount I wanted but stayed at higher amount. I gave up and got pulled into Forbearance too often. This situation is causing me to be drown in heavier debts and that may look like it is impossible to pay off. It probably will be paid off at the time of my death. 

I still do not believe the amount of the loan to be correct. Something is off.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 my 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 to be removed/updated. 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. 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report that a fraudulent account is in my credit report, this account needs to be removed from my credit because it doesn't belong to me. 
Please send me an updated copy of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

a check for a co pay of XXXX was sent to hospital on XX/XX/XXXX and check was processed for payment to hospital on XX/XX/XXXX. the hospital sold this account to a collection agency and there for caused us to have to deal with this agency unnecessarily. XX/XX/XXXX a mailer was dated and sent to us as a notice of debt. we contacted the collection agency and told them there was a discrepancy because this account had been paid onXXXX.they had ask for a copy of the check with the patient number on it which we faxed to them onXXXX.they have ignored our attempts to settle this matter and have continued to try and collect on a bill that was paid. they have since used an affiliate to try and use other tactics to try and collect monies since not responding to there demands of payment they have put us into the credit bureau, which was totally unwarranted. we have contacted the credit bureau and disputed it and sent the copy of the cashed check from the hospital that they ask for, that was cashed on XX/XX/XXXX and have not been able to have this removed and that's the need for help.
Product: Credit reporting or other personal consumer reports

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Product: Credit reporting or other personal consumer reports

inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX  XXXX XXXX, XXXX. XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX
Product: Credit reporting

I just spent two hours on the phone trying to get access to my online account with TransUnion. I kept getting transferred in circles with people in XXXX. I could not get an answer. They just kept sending me back and forth between the dispute dept. and the online support dept. I never got to speak to anyone who was in the U.S. I still do n't know my credit score with them because they could not help me get to my account. I questioned XXXX item from another source that showed an outstanding negative report with something called XXXX. All of my outstanding bills were taken care of more than 7 yrs. ago. It even shows a XXXX balance. I have not been late with my bills and very careful that everything has been taken care of. How do get to my TransUnion account and find someone who can help me get answers as to why my credit has not improved with several years of positive reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed my account by paying it off in its entirety with Well Fargo on XX/XX/2019. Unknown to me they charged my account ONE days interest for XX/XX/XXXX and billed me after my account closed. I then received a collections letter for a late payment - that I never knew existed, and never received a standard bill for. I called Wells Fargo to dispute the retroactive billing, the lack of transparent charges, and there handling of it. They investigated my complaint and withdraw the {$13.00} charge for one day interest but still reported it as late to the credit bureau. I went to go refinance and low and behold my credit score has dropped because this interest that should not have been charged but if it was should have been billed properly and was being investigated and then retracted has now dropped my score 40 points and messed up my perfect credit. I contact XXXX and provided them the letter showing them the investigation, dispute with Wells Fargo, and the results of the retraction, yet XXXX will not remove it. 
It has cost me financially with my credit score, made it impossible to refinance at a good rate, and my next step is to contact the AG of Mass if this cant be resolved, as well as the press. Wells Fargo is criminal enterprise and should not be reporting on anyone 's credit!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Thank you for taking the time to review my file and to help me with this matter of dealing with XXXX XXXX XXXX. To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file. 


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

Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I received a phone call from Current team, same number thats on back of my debit card. The guy XXXX had all my information and informed me there was fraud on my account. He went on to say, my account had been compromised and they would have to send me out a new card. He placed me on hold and not even a min passed before the line disconnected. I went to log into my online banking app and all my money was gone! Transferred into XXXX account in which the names I have never seen before or never even sent money before. I reached out to current support right away but after a week I got no string answers to as in where my money went. XXXX agent by the name of XXXX told me no one ever even escalated the claim and apologized and assured me she would do it same day. After contact with XXXX XXXX received an email a few minutes later saying they didnt find any fraud in transfers and denied me my refund of money. I was confused because to get back to me they told me it takes XXXX business days through email but the same agent that escalated the claim was the same agent that sent email denying my funds. If there are different levels of office I should have been receiving an email from the fraud department not the same current agent XXXX. Something is going on inside the Current team. You dont get proof of investigation, as I have tried to request all documents in decision process. I have been unsuccessful with getting through to them. And the bigger picture is that my account is still out {$3300.00}. That was my stimulus and part of my income tax refund. I dont know what to do. I have contacted the banks and they told me they have nothing to do with the Current banking policies but the bank policies promises protection on deposits up to {$250000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  continue to report and update this account every single month as a negative charge-off, thus purposely holding down my credit score which is not allowing me to be approved for new loans. This is considered re-aging the debt and severely hindering me.
Product: Debt collection

Was paying the original " creditor '' ( hospital ) as agreed since 2015, and was sent to collections because original creditor claims a payment plan was not set up, in which it was.
The collections agency is attempting to collect two and one half times the amount of the original debt, and informed me that " it must be interest ''. I am within my 30 days to obtain information from the collections agency to validate debt. Credit Systems out of XXXX Montana is attempting to collect a debt of {$1000.00}, and their interest is {$1800.00}.
Product: Vehicle loan or lease

My name is Mr XXXX I am contacting you regarding ALLY AUTO FINANCIAL regarding my account, i have tried and tried to contact Ally regarding my account and all i have been getting is the run around with no answers, i speak with one person and that person would transfer me to a different department and so on so on, they have been and gotten to be Unprofessional, a month ago my car was up for repo, i gave them the location to where the car is, it is in a mechanic shop, its been there several months, i told them there is money owed for repairs, and they then hired a recovery company to go repo the car, when the recovery company gets there instead of paying the cost to get the car out of their, they was trying to negociate a lesser amount that was owed so that they can pocket the rest, so instead of telling Ally what happened, they tells them the car wasnt there, for 4 yrs i have complained about this car and said it was a lemon, had too many problems, there were things about the car that was not disclosed when purchasing it, i explained that for years to Ally, and told them the car not worth anything, but they wouldnt listen, Covid19 has arrived my wife and I lose our jobs we no longer can pay for the car, at this point my wife and I was stuck wit it, then the Pandemic the car is up for repo, we agreed to have the car repo i gave them the location to where the car is located, 4 weeks ago, it was in the system to repo the car weeks ago, the car was never picked up which was strange to me, because for weeks i been harassed bout the car, and when i cooperate they dont pick up the car and now i get a letter saying the account will be charged off today, they cant charge the account off if i agreed to have it repo and was in the system to go repo it when i told them to go repo it, you cant charge off an account when i'm giving you back the asset, this is wrong under the circumstances with Covid 19 happening, Covid 19 has changed my wife and I lively hood in a major way, we both lost our jobs and they wan na continue to hurt people during a pandemic, which is flat out wrong, this account cant and should not be charged off by any means, they have the location of the car, and it needs to be repo as originally planned and discussed,, they want to abandon the car because its not worth anything, the reason its not worth anything, because of all the recalls and issues the car had now throughout the years, what they are trying to do is unacceptable I want this matter resolved XXXX XXXX XXXX ) XXXX - XXXX XXXX ) XXXX - XXXX
Product: Credit reporting or other personal consumer reports

SUN LOAN COMPANY XXXX XXXX : {$590.00} I believe the information being reported to be inaccurate.
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

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

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT
Product: Money transfer, virtual currency, or money service

Good morning, Right now I currently have a pending transaction with Coinbase in the amount of {$650.00}. This transaction started on Monday XX/XX/XXXX when I was notified of the pending transaction. Typically these funds are available within 30-60 minutes. 

When the transaction was not finalized after 48+ hours, I submitted a help ticket through their website on XX/XX/XXXX. Case number # XXXX was assigned to my account. 

I first received an email on XX/XX/XXXX stating that my help ticket was received, but it may take a few days for a further response. 

I next received an email on XX/XX/XXXX from XXXX asking for screenshot pictures from my account of the transaction and where it was still shown as " pending '' and not completed. 
These pictures were sent on XX/XX/XXXX back to XXXX. 

I received another email on XX/XX/XXXX saying my photos were received and that they would be in touch when they have an update. This was the last response I have received back from Coinbase. 

I sent ( 2 ) follow up emails ( on XX/XX/XXXX and XX/XX/XXXX ) and have not received a response. I also called their customer service phone number but was not able to speak with someone ( I was at work and had to hand up after 50 minutes on hold )
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX Reason : Unverified account My social security number has been compromised from the social security XXXX that occured in 2024 access to the National XXXX XXXX XXXX XXXX for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Billing me for loans I did not take out or authorized. I did not sign or give permission to anyone to sign for me