23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Account XXXX was paid off through affirms debt collector " XXXX '' on XX/XX/2023, but is still showing I owe a {$100.00} balance as of XX/XX/2023, on my credit report with XXXX. I disputed the false report on XX/XX/2023 as " Paid, Closed '', and on XX/XX/2023, the creditor ( Affirm ) verified the information as correct, when in fact it isn't. I then proceeded to call Affirm on 3 occasions ( XX/XX/XXXX, XXXX, and XXXX ), the first time they told me to wait the full 30 days, which I then did. The second time they told me they'd refresh my credit report and it would updated within 2 to 3 hours, it didn't and I gave it until the next morning to update. The third time they did the same thing, but it still hasn't been updated. I'm in the process of paying of my debt and rebuilding my score and Affirm is making the process a lot harder than it needs to be.
Product: Credit reporting or other personal consumer reports

I keep trying to get in my transunion credit report account and the system keeps kicking me out and not allowing me to dispute any charges or request my updated credit report
Product: Student loan

I had a XXXX XXXX through XXXX XXXX .... It was generated for XXXX .... plus initiation fees etc .... When I finished with my term ... I was told that a credit balance was to be issued for XXXX dollars and change ... Then XXXX sold the load to University Accounting service .... When the loan was sold ... It was listed that the loan was XXXX not the XXXX there was no reflection of a payment of XXXX from everest in any of the statements from XXXX ... after repeatedly trying to get ahold of genesis, and talking to Univeristy accounting services, they will not tell me why the loans amount was changed, why they are not allowing a forbearance request while I dispute the genesis loan ... They are now telling me the loan was in default, because I told them I would not pay them until these conditions were clarified, and then I would pay interest only while my loan was being reviewed for discharge ... I am at my wits end dealing with them ... is there anything to help me..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting to my Transunion report as a balance of {$560.00} is still due and is being shown as a charge off. This information is incorrect as the loan was paid off in full through my CHXXXX bankruptcy in XXXX in the amount of {$1300.00} this satisfied the loan and the title at that time was released. This should be reported the same as my other two credit reports as paid through CHXXXX account satisfied and closed. I have disputed this with Transunion and XXXX numerous times with the standard response of everything is accurate and up to date. I filed a letter of validation with XXXX on XX/XX/XXXX with no response as of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring my credit report with Experian for about a year and I check my report often and I notice a few day ago a debt collection agency popping up out the blue states it been there but it was not so on there before I disputed XXXX XXXX for XXXXXX/XX/XXXX which XXXX XXXX reported for the sameXX/XX/XXXX Which I spoke with XXXX has a different amount so they say it was not a duplicate I only had 1 past due account with XX/XX/XXXX and the number listed to contact XXXX XXXX is a recording
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to fax my attachment to you several times but obviously my fax number is blocked. I have attached request to update my personal information and remove any personal information that does not belong to me from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX  Account # 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: Mortgage

Banco Popular de Puerto RicoMortgageDespite being completely up to date, this bank has been harassing me since XXXX 2015, every month by calling on the 1st, 2nd and 3rd day of each month to pressure me to pay and when they can expect payment. I repeat, the mortgage is not in arrears or default, it is completely up to date.
Product: Credit card

Amazingly, this is my umpteenth compliant over the SAME account. Quite simply, I closed this account several months ago after Barclays refused to stop letting XXXX charge me even after I had frozen and blocked the merchant after canceling my service XX/XX/2023. I closed this account prior to leaving the US for the summer. I called to confirm. I was assured I would receive my prorated annual fee back, as I had just paid it. I have yet to receive it. I have received nothing for these services, nor have I received a check in the mail. I reached back out to Barclays after returning to Texas after months abroad and of course received no reply. Barclays seems only to respond to federal level consumer complaints, which I find disturbing. It was a {$99.00} annual fee. I had paid it just shortly before the debacle with them allowing a merchant I had blocked to repeatedly charge my card. I am currently in the process of writing a consumer story on this whole nightmare, but I surely never thought they would hold my own money hostage. I am owed well over half of my annual fee, of it, which, frankly, I would like with the 29 % interest they charge when their consumers are late. I was never late, which is why I am baffled as to why they were so terrible to deal with. It certainly makes me wonder how they treat their worst customers. Please just send me my refund to the same address you had on file. That's all!
Product: Credit card or prepaid card

Item was bought XXXX/XXXX. Received the product XX/XX/XXXX. XX/XX/XXXX I filed a dispute for an item I received and was not up to par with what they claim with discover. Waited 30 days and reached back out on XX/XX/XXXX and was told theyre still investigating and letting the merchant have XXXX  days to respond and I need to let the case play out. Was told I can call back in a week. I called back XX/XX/XXXX and was told that the case expired XX/XX/XXXX and the merchant still had not responded and the dispute was ruled in my favor. Fast forward to XX/XX/XXXX I got an email saying the dispute was charged back and deemed valid and that I needed documentation that the merchant agreed to refund me my money to my discover card with the last XXXX digits of my discover card. Discover does not want to accept an appeal and say they need that documentation to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 USC 1666B this is a billing Error always paid as agreed on time this is an error this account in Violation. 

XXXX XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX  FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a auto loan with XXXX for a XXXX XXXX XXXX. I was approved the for the loan in the amount of {$13000.00}. Within 3 weeks, I decided to refinance my loan through XXXX XXXX XXXX for a cheaper interest rate. On XX/XX/XXXX the loan was paid off by XXXX XXXX XXXX in full from the payoff amount provided by XXXX XXXX XXXX XXXX. I recently applied for a loan ( not XXXX ) and noticed that there were some inaccurate information being reported by XXXX on XX/XX/XXXX to ( XXXX, XXXX, Equifax ). The lender have since reported that the car was purchased in XXXX ( which is inaccurate ), and that I had paid my car payment late for several months ( up to 120 + days ) leaving an account balance of ( {$1800.00} ) which had to be written off. If you review my report from the previous month it shows the account being reported accurate as ( Paid, closed and never late ). As of XX/XX/XXXX my report is now showing an inaccurate amount, multiple late payments and settled less than the balance which is unacceptable/inaccurate. I am applaud that a company would fraudulently report inaccurate information that has now caused me to receive credit denials for loans when the information is incorrect. I have been a customer with XXXX bank since XXXX and currently hold several large credit limit credit cards, personal loans, checking and savings account with them. If the inaccurate information was correct, I am almost sure they would've not extended multiple credit cards, personal loans and or checking/saving accounts to me.
Product: Credit card

In XX/XX/2022 an unknown person hacked into my computer and stole my Capital One credit card account XXXX, along with my XXXX XXXX XXXX XXXX XXXX bank account numbers and passwords, XXXX XXXX accounts with all passwords, and my shopping site 's XXXX, and XXXX, etc. along with all passwords. The hackers then made purchases using my XXXX account, which I had not used in 2 years. Using my Capital One credit card, they charged {$500.00} daily until they reached the maximum limit of {$10000.00}. Then they sent a payment of {$1800.00} using my checking account to pay my Capital One credit card to continue their activity on my XXXX account until they ran out of funds. When I received the CC bill, I noticed that I owed {$13000.00}. I notified Capital One, and they said they would send me a replacement card right away and then investigate the stolen account and send me a report of their findings. I never received a replacement card and never received a report in the mail after over a month. I called again and no one would answer my questions. And I had not been credited for the stolen funds as promised by customer service. After several more months, I called again and said I never received a new card or a report of their findings. I followed up with several emails over the following months, with no response or calls. My XXXX account was suspended without notifying me, and all transactions were erased. 
A Capital One collection company served me a summons to appear in court. They said I was being sued for the entire {$13000.00} plus all fees incurred by them. I have hired an attorney at this time as well as filed a police report.
Product: Student loan

So I paid over {$600.00} from XXXX to XXXX. Supposably my balance was XXXX $ according to represenative in XXXX. Now I called in to ask why my loan was XXXX $ They said well interest and I said XXXX a day equates to XXXX $ a month if that. That be XXXX $ in interest. $ XXXX $ add XXXX XXXX $ ok well cause its me add XXXX that is XXXX either way that is XXXX not XXXX XXXX Now lets think about this XXXX is XXXX. Move the decimal over one is 10 %. I learned this in 5tXXXX grade in my head. So what first mark is saying is I am being billed over 10 %? 

Also, this loan is half the original loan meaning you can't ask every month to be the same along with claiming I owe you XXXX a day. This was XXXX a day when I started loan. The loan is 2/3 paid off and it should emulate what is owed, However this loan should not be a loan except for a federal loan.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX 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 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

DeptedXXXXXXXX, DeptedXXXXXXXX  DeptedXXXXXXXX DeptedXXXX, DeptedXXXX, DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXX, DeptedXXXX, DeptedXXXX, DeptedXXXX DeptedXXXX  In accordance with Fair Credit Reporting act XXXX account # 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 have sent 2 dispute letters to Equifax, XXXX XXXX, one in XX/XX/2021 and XX/XX/2021 regarding inaccurate, incomplete, and RE-AGED ( which is illegal ) account on my report. I have yet to receive any investigation information from anyone.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : ( XXXX : ) Capital One Auto Finance, Account number : XXXX : Repossession. {$12000.00} written off. {$5000.00} past due as of XX/XX/XXXX XXXX XXXX 2024 Past due amount- $ XXXXLast payment date XX/XX/year> ( XXXX : ) Capital One Auto Finance Account number:XXXX-Status : Repossession. {$12000.00} written off. {$5000.00} past due as of XX/XX/XXXX XXXX XXXX 2024 Past due amount- $ XXXXLast payment date XX/XX/year> ( XXXX : ) Capital One Auto Finance Account number:XXXX-Status : Repossession. {$12000.00} written off. {$5000.00} past due as of XX/XX/XXXX XXXX XXXX 2024 Past due amount- $ XXXXLast payment date XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Vehicle loan or lease

I was assuming a XXXX  XXXX XXXX lease for 10 months. The lessee was offering an incentive and covering application and processing fees for lease transfer. He paid {$540.00} fee and sent me proof of payment and application link. 

A short while later I submitted my application to BMW financial and was also charged {$540.00}, for double payment. My application was denied minutes later but somehow they were still processing both payments. Why would I pay for tax and licensing This is an illegal business practice and fraudulent based on their contract. 


BMW Financial terms and conditions for Lease assumption, all account must have a minimum of 6 months remaining on the lease. 
- A {$500.00} Assumption Processing Fee, plus any applicable state sales tax, must be paid prior to the submission of the credit application. The payment can be made through the application link below. BMW Financial Services will accept payment in full by one party only. Partial payment will not be accepted from either party. 
- If the assumption is cancelled before completion or if the Transferee ( Applicant ) is not credit approved, BMW Financial Services will retain {$100.00} plus applicable state taxes as a processing fee. The balance of the Assumption Processing Fee will be refunded. 
- A credit application may be submitted only by email from the Transferee to BMW Financial Services.

- The Transferee must be credit approved by BMW Financial Services using the following link : https :  /XXXX   XXXX - The account must be paid current to begin the Assumption Process and must remain current at all times for the assumption to be completed. In addition to the monthly payments, this will include paying all charges billed to the account in addition to the monthly payments such as personal property tax, late charges, parking tickets, administrative fees, and any other charges that are not paid. The XXXX should resolve with the assuming party, any payments or refund of monthly payments made prior to transferring the vehicle. BMW Financial Services will not prorate any payments to either party made on the account.

- The vehicle must remain in the Transferor 's ( current customer 's ) possession and on his or her insurance policy until notice is received by email and / or United States Postal Mail from BMW
Product: Debt collection

This payday loan company says I took out a loan with them. They are stating the amount owed is somewhere around {$800.00}. I do not recall ever taking out a loan with the company they are referring to. I have given them my cell phone number and my desk number at work. They keep harassing me at work contacing the Director of my company getting them involved. I have already received a warning from my Human Resources deptarment reagarding a write up. I do not want them contactin my job anymore.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 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: Student loan

I have student loans that were previously serviced through Nelnet. My account number is XXXX. Nelnet always sent a paper bill each month and I had an unblemished payment record until SLOAN Servicing took over in XX/XX/XXXX. 

SLOAN Servicing stopped sending paper bills with no notice to me when it began servicing the loan. I have lived in the same house since XXXX and ALWAYS received monthly bills to this address. I did not discover I was no longer receiving bills until XX/XX/XXXX, when I was alerted by credit monitoring that XXXX had reported my account as delinquent. I had almost perfect credit at the time and this caused a XXXX drop in my credit rating. 

I first tried to login to both Nelnet and XXXX to make sure my contact information was correct. Neither site would allow me to login or create an account because the information I entered was different than the information " on file ''. The information on file was an email address I have not used for approximately XXXX XXXX. Moreover, XXXX did not have my address on record that, again, I had been receiving bills at for the previous XXXX XXXX 

I then called XXXX and was advised that all my information had been updated. I also confirmed that I would be receiving paper bills going forward. I did receive paper bills in XXXX and XXXX. Then, again with no notice to me, the paper bills stopped and my account was once again delinquent. Again, I tried logging into my XXXX account and I was unable to do so because the information on file did not match. Again, I call and the representative advised that my address was correct, but that my old, old email was being used. Apparently all the late notices were being sent to this email. 

I am a practicing attorney of XXXX XXXX  and I honestly believe that XXXX is doing this on purpose to cause defaults on student loans. This practice should be stopped immediately and this company should receive sanctions for its unfair and deceptive trade practices.