23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

BEWARE!!! I purchased a car from overland bond investment Corp ( XXXX IL ) in XXXX to start building my credit. But it has done everything but build my credit. Initially when I got the car they was reporting to 2 major credit bureaus now they only report to XXXX  that was the beginning of the nightmare. Fast fwd to XXXX I found that the company had NOT reported my ON TIME payments to XXXX. When I reached out to them they got very upset and didnt take my concerns seriously. I disputed the inaccurate information with XXXX  it was updated after 6 months of going back and forth having to prove my self. Fast fwd to Mid XXXX the pandemic hit I was effected by it and my job had dropped me down to part time/ the company humiliated me by making me submit that information just to reduce my car payment from {$230.00} bi-Wkly to {$130.00} a few months ago I was completely let go and couldnt go back to work do to personal injuries on top of Covid I still remained paying the agreement payment plan we made which was XXXX but when I noticed that hadnt been reporting to the credit bureau again for the SECOND time I reached out to the company they got very upset again they ignored numerous emails/calls. I have all my paper trial. When I disputed it with XXXX and the XXXX they got furious and updated my credit report saying Im delinquent which wasnt the agreement they was supposedly helping customers effected by Covid which I still currently am. Not only is it cruel to do this to a customer whos trying to stay honest I was jus trying to get my credit report updated because I take my credit serious I pay my bills on time. Its funny the company responded the same day when I reached out to the XXXX  but never responded to personal emails or phone calls? And now all of a sudden because Im reporting your negligence they want to say Im behind on my note and its now effecting my credit score and worthiness which is negatively effecting my family I have XXXX small children and trying to make a living. I would like them to completely remove the account from my credit report. If I was behind on payment what company lets you owe over XXXX in back pay!? Why wasnt the alleged past due balance reported last year? Its clear your company is making false allegations because a customer does their research and found out youve been taking payments on a car thats wrote off and not reporting to the credit agency accurately! I still havent received a phone call from them! Horrible customer service. Zero benefits and on top of it they charged 3x the amount they should be allowed to! Their loan sharks taking advantage of tax paying citizens! I wouldnt recommend this car if you was XXXX standing in a blizzard
Product: Credit reporting or other personal consumer reports

This Loan account has been paid and closed please remove from credit report. 

CAPITAL ONE AUTO FINANCE POTENTIALLY NEGATIVE Account Info Account Name CAPITAL ONE AUTO FINANCE Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$17000.00} Highest Balance-
Product: Credit reporting or other personal consumer reports

EXPERIAN, as mandated by the FCRA, must ensure the accuracy of reported information. The consumer has reported to Experian XXXX that the XXXX XXXX account ( XXXX ) listed is fraudulent. Experian had XXXX days, as required by law, to remove this item. An FTC fraud report was filed regarding this matter. The consumer now requests Experian to provide the documentation used to establish the AUTHORIZATION of this account. Experian has XXXX days to furnish the consumer with the names of the individuals spoken to, documentation used, signed application, with the consumer 's wet ink signature. The consumer is NOT seeking an e-oscar report. If Experian lacks documentation demonstrating the authorization of this account, it MUST BE REMOVED IMMEDIATELY. 
Experian XXXX : XXXX EXPERIAN IS SECURITIZING CONSUMER DATA, YET REFUSES TO PROVIDE THE CONSUMER WITH A COPY OF THEIR CONSUMER FILE, NOT A CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am personally filing this identity theft report because I was made aware of a child support account appearing negatively on my credit report today XX/XX/2020 when my credit was ran by the real estate agent that I am currently working with in order to buy a house. The account appears as XXXX XXXX XXXXXXXX XXXX XXXX  on my credit. This does not belong to me ; I have nothing to do with this child support account nor did I ever make any payments towards it. I spoke to someone from XXXX XXXX XXXX XXXX and the information they had regarding this account does not match any of my information therefor this account needs to be removed from my credit history because it is inaccurate/false information. I have also filed a complaint with the Consumer Financial Protection Bureau in regards to this child support account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A CONSUMER FOR DISCOVER CARD FOR OVER 30 YEARS WITH NO MISSED PAYMENT. MY DEBT TO RATIO IS UNDER 30 %. THEY PUT A 30 DAY LATE ON MY CREDIT REPORT WITHOUT NOTIFYING ME. I NEVER RECEIVED BILL IN THE MAIL, I NEVER RECEIVED A PHONE CALL, NOW TEXT. THEY JUST DAMAGED MY CREDIT REPORT WITHOUT CALLING ME FIRST. MY SCORE DROPPED OVER XXXX POINTS. MY CREDIT SCORE WAS OVER XXXX UNTIL THIS DISASTER HAPPENED. DISCOVER REFUSED TO TAKE LATENESS OFF OF MY CREDIT REPORT. I HAVE REACHED OUT TO ALL 3 CREDIT BUREAUS TO DISPUTE IT AND I AM AWAITING RESULTS.
Product: Credit card or prepaid card

I reached out to the company in regards to refunding my account for all the payment they received after I called and advised them that I no longer needed Credit Protection on my account. I called there Customer Service Department and requested that they end/ stop the Service on XX/XX/XXXX. Due to my XXXX XXXX and medication I'm on for XXXX   XXXX  they were still taking my money for Credit Protection. Upon XX/XX/XXXX, they finally stop but didn't refund my account of all the fees they received and the additional interest that I accrued due to the balance. I didn't know and understand that more then 60 % of my monthly payment was being applied for fees.
Product: Checking or savings account

On XX/XX/XXXX, I made a payment to my capital one credit card for {$100.00}. On XX/XX/XXXX capital one posted my direct deposit payment for {$1000.00}, I received an email from capital one bank stating that my capital one credit card payment that was submitted on XX/XX/XXXX was returned for NSF. On XX/XX/XXXX I called capital one bank at XXXX and the capital one rep I spoked to stated that the payment was returned on XX/XX/XXXX for NSF, which was a out right lie because I have the communications sent to me by XXXX XXXX that the payment was presented on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report for XXXX XXXX ( FCRA Violation ) for XXXX an XXXX for ( Zions Debt Holding Account # XXXX ) I am writing to file a formal complaint regarding inaccuracies on ( account # XXXX ) credit report of XXXX XXXX XXXX The report contains incorrect information from XXXX and XXXX concerning the monthly payment date, last reported date, and last active date for accounts that are negatively affecting the creditworthiness of the individual. These errors violate the provisions of the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance to resolve these issues an have this account deleted from my credit report. 

Specifically, the inaccuracies on the credit report are as follows : Monthly Payment Date The reported payment date does not align with the actual payment history for the account. The date listed is incorrect, which affects the accuracy of the accounts standing. 

Last Reported Date The last reported date for the account is listed incorrectly, which distorts the credit reports reflection of the most recent account updates. 

Last Active Date The last active date does not match the actual date when the account was last utilized or reported. This discrepancy negatively impacts the reported credit activity. 

These inaccuracies are causing significant harm to my credit score and are preventing me from accessing better financial opportunities. As required under Section 1681i of the FCRA, I have attempted to resolve the issue directly with the credit reporting agencies but have not received an adequate response. Despite my efforts, the incorrect information remains on the credit report. 

As per the FCRA, credit reporting agencies must investigate disputed information and correct or remove inaccuracies in a timely manner. I am requesting the Consumer Financial Protection Bureau assist in ensuring that the reporting agencies comply with the law and correct the inaccurate details as outlined above.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that I had XXXX late payment on an account that I was never late for or knew about. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for the account that I have included screenshot inside this complaint in on dates of XXXX Please investigate and provide proof with statements showing that these payments were late if proof cant be provided I DEMAND these payments be updated to Paid as agreed on time or deleted as they should be due to the fact I never was late or knew about this loan. The information inaccurate and reducing my ability to buy a home, car & ETC, I need to provide good and stability for my family and this is stopping me. I would want this account DELETED or Updated To CURRENT/Paid as agreed on time Please see XXXX attached Send updated report to XXXX XXXX XXXX XXXX Tx XXXX XXXX
Product: Debt collection

My 2018 tax return was taken to pay off this debt I had for Transworld Systems Inc for my XXXX XXXX Credit Card. By the statement I received on XX/XX/XXXX it stated that my balance before payment was {$6200.00}. A payment of {$4600.00} was made onXX/XX/XXXX. This  credit collection agency only applied {$1400.00} to the balance. If they applied the whole amount that was paid on this account the balance would be at {$1600.00}. I have reached out to this company to provide me a itemized bill but they have never sent me one. They have taken the payment and not honestly applied the right amount to the balance on my account. The have refused to provide me any itemize statement of where the remaining money I paid was applied to.
Product: Debt collection

Enhanced Recovery is reporting a debt for XXXX on my credit report. At the time that they said the debt incurred I was XXXX years old and you are not able to sign a contract or open a cell phone account at the age of XXXX. The removed it off my credit report, and now they added it back on my credit report.
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 XXXX XXXX Account # : XXXX Amount : {$1400.00} XXXX looked at my TransUnion credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall. 
( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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: Student loan

I called Navient multiple times between XXXX XXXX XX/XX/2020 to ask for financial relief options during the Covid 19 pandemic as I was unemployed and the emergency forbearance they granted all customers was only valid for 90 days ( XXXX XXXX XX/XX/2020 ). 

After multiple conversations with different representatives, I was repeatedly told the loan type that I have ( FFELP ) did not qualify for the federal pause in payments and I had no other options but to pay on my loans since I didn't qualify for payment deferment and had used all of my allotted forbearance time. 

Because I was fear of defaulting and ruining my credit, I used my personal savings to pay student loans throughout the entirety of the pandemic and only recently learned that I had the option to consolidate my loans into direct loans with the Federal government which would have made them eligible for the pause in payments. 

Despite multiple attempts to get help, at no point did Navient communicate that FFELP loans were eligible to be converted to Direct Loans, and in turn payment/interest pause. I have lost over {$9000.00} as a result of not having this information and extremely upset at Navient 's highly deceptive business practices.
Product: Credit reporting or other personal consumer reports

I am with deep concern regarding unauthorized accounts that I recently discovered on my credit report. These accounts are not mine, and I promptly reported this issue to Experian. However, I have not received any response or action from their company to address this critical matter. 

This lack of response is unacceptable and has left me extremely frustrated. It is their responsibility to investigate and resolve disputes promptly, yet my concerns have been ignored. These inaccuracies are affecting my financial well-being, and I demand immediate action to resolve this situation.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and see that there are two credit inquiries from American Express on XX/XX/XXXX and XX/XX/XXXX. I do not have any American Express accounts and am not receiving any direct benefit from these unrecognizable credit inquiries. I request that they be immediately removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

while login on to my credit monitoring site I notice a few accounts on my report that does not belong to me I would like for these fraudulent accounts removed asap these accounts or on my XXXX, XXXX, and my XXXX as well 1.credit acceptance {$31000.00} date open XX/XX/XXXX 2.XXXX XXXX XXXX XXXX   {$2100.00} date open XX/XX/XXXX 3. XXXX XXXX XXXX {$910.00} date open XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

according to my credit report XX/XX/22 there a several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting XXXX  if one compnay is reporting XXXX  all of them should report XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my credit score and my ability to acquire credit. I need these false items removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have found fraudulent inquiries in my credit report
Product: Money transfer, virtual currency, or money service

Paypal limited my account, i have available money on my account that i can't withhdraw
Product: Credit reporting, credit repair services, or other personal consumer reports

When I just checked my Equifax credit report I saw that one of my associated addresses said I lived at : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have never ever lived at this address nor have I ever lived in XXXX. I have n't lived in any other states besides XXXX and XXXX so I have no idea where this address came from.
Product: Debt collection

I resided at XXXX XXXX XXXX under a lease agreement, which I fulfilled by paying rent including the last month of XX/XX/year>. I notified the apartment management in writing on XX/XX/year> that I would be moving out by XX/XX/year>. I left the apartment in clean and undamaged condition. However, the apartment management has claimed I owe additional charges, including rent for XXXX and cleaning fees. They have provided no proof to support these claims. 

I asked the debt collection agency, Columbia Debt Recovery LLC DBA Genesis, to provide specific evidence supporting the alleged debt. I requested a detailed breakdown of the charges, including : Agreement with the creditor that grants the agency the authority to collect this debt. 
Any agreement signed by me showing my obligation to pay these additional charges. 
Proof that the apartment was left in a damaged or unclean state, as claimed by the creditor. 
A complete accounting of the alleged debt, including the origin and dates of any additional charges. 
Despite my requests, Genesis has failed to provide any of the requested documentation or proof of the alleged debt. Instead, they have continued reporting this debt to the credit bureaus, causing ongoing damage to my credit score, and they are adding interest to the debt each month. 

I have already paid all rent, including XX/XX/year>, and I provided proof of payment. The apartment management took {$500.00} from my deposit without justification, and I have received no evidence of any damages to the property. Their claims that I owe additional amounts are baseless, and this debt is unverified. I request that this debt be removed from my credit report and that all collection activities cease immediately.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collections/Charge off : XXXX XXXX XXXX XXXX XXXXXXXX Personal Information : Former : XXXX XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX XXXX Employers XXXX XXXX  XXXX  Employers : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent my account number to my account for direct deposit and my bank was on hold putting the money in the bank and made a payment of my stimulus check to a direct deposit loan on my brothers account and sent my money to some account was holding my bank on payment for a ticket I had and sent my money to a lawyer about a claim settlement while I had a XXXX  XXXX  agreement with my lawyer  and put me in a whole.
Product: Credit reporting or other personal consumer reports

I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant XXXX, and I have provided documentation for verification. Please expedite your investigation into this matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack from midXX/XX/XXXX2017 that may have affected about 143 million U.S. customers of the credit reporting agency. Information accessed includes names, Social Security numbers, birth dates, addresses, drivers license numbers, credit card numbers, and accessed dispute documents with personal identifying information. 

Equifax Inc. has just now announced this to the public. More than a month after potential unauthorized access to the information stolen. The company has done nothing to personally alert me about the incident and has not done anything to further protect my information or identity. 

I have issued a temporary alert on my credit report to deter any unauthorized access or use of my information, however this is not remotely a foolproof way of protection my identity or my credit.
Product: Debt collection

I was contacted by XXXX and they continued to give me a different money amount for my final settlement. I was never provided a signed copy of my judgement, signed by the judge, In addition, since I have paid off the final amount, they never sent me, after I called them many time, with a clearance letter. I dealt with XXXX XXXX and XXXX XXXX in their XXXX office.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2015, XX/XX/2015 30 days past due as of XX/XX/2015, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.