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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$8900.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/year> while I was driving, Ive checked to my Bank Of America Account and it has been deducted by {$1500.00} ( 5 times withdrawal of {$300.00} on my account ) plus the fee of {$2.00} five times. I immediately called the Bank of America the moment Ive noticed it and they told me they will be giving me temporary credit for that. I am supposed to pay for my rent on the XXXX. My landlord just gave me until today XX/XX/year> to pay for my rent or else I will be evicted with my XXXX XXXX XXXX baby. Bank of America just keep on holding and transferring and transferring me wasting hours of my time just to let me know they can not do something about it and should wait for days!
Product: Credit reporting or other personal consumer reports

I need these inaccurate accounts to be removed ASAP 1. Late payment from AMERICAN CREDIT ACCEPTANCE Date of Late Payment : XX/XX/XXXX 2. Hard Inquiry from XXXX XXXX XXXX Date of Hard Inquiry : XX/XX/XXXX 3. Hard Inquiry from XXXXXXXX XXXX XXXX  Date of Hard Inquiry : XX/XX/XXXX 4. Hard Inquiry from XXXX XXXXXXXX XXXX  Date of Hard Inquiry : XX/XX/XXXX Thanks,
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate information about a repossession on my credit file. My vehicle was repossessed but later recovered after I resolved the outstanding balance. Although my official credit report does not show the repossession, I have found that it is still being reported in a credit repair companys system. The vehicle was financed on XX/XX/XXXX and the date it was repossessed is unknown as I did not know the status of the report or access to the information about the repossession but the vehicle was repossessed during XXXX. 

Additionally, the lenders phone number listed on my credit report is incorrect. The provided number does not connect to Security National-CR , which has made it difficult for me to contact the lender directly to resolve this matter. This inaccuracy suggests a broader issue with the lenders failure to maintain correct and up-to-date information, which is required under the Fair Credit Reporting Act ( FCRA ). 

This discrepancy in reporting the repossession, along with the inaccurate phone number, indicates that my account is not being reported consistently or accurately. Under the FCRA, lenders and credit bureaus are required to report accurate, complete, and up-to-date information to ensure the consumer 's credit report is correct. 

FCRA 15 U.S.C. 1681e ( b ) : Requires that consumer reporting agencies maintain accurate, complete, and up-to-date information.

FCRA 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to ensure accurate and complete information is provided to credit bureaus.

FCRA 15 U.S.C. 1681i ( a ) ( 1 ) : Mandates that credit reporting agencies investigate and correct or remove any inaccuracies in a consumers credit file.

FCRA 15 U.S.C. 1681s-2 ( a ) : Requires data furnishers ( such as lenders ) to provide accurate information and correct any errors or omissions, including maintaining accurate contact information.

FCRA 15 U.S.C. 1681s-2 ( a ) : Requires data furnishers ( lenders ) to provide accurate information and correct any errors, including maintaining accurate contact information.

Since the account has been resolved and the vehicle was recovered, the status of the repossession should be updated to reflect the current status across all systems. I am requesting that the CFPB investigate this matter and ensure the repossession is removed in its entirety. Additionally, I ask that the lenders contact information be corrected by the FCRA 's requirements.

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Product: Credit card

I believe the account is invalid. XXXX XXXX XXXX XXXXXXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their XXXX XXXX  XXXX XXXX  XXXX
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX for debt that I do not owe. I searched the company and found several complaints about them fraudulently collecting debt people dont owe. I do not want to contact them and verify any personal information listed in the letter. I have not used XXXX in years and my account is clear. 

It is dated XX/XX/2021 For {$40.00}
Product: Money transfer, virtual currency, or money service

I sold a beautiful purse and used Paypal for invoice. My XXXX transaction, the purse has no crack : https : XXXX? XXXX % XXXX % XXXX & XXXX Here is my description : Beautiful Authentic Preloved XXXX XXXX Mini Speedy with dust bag included - {$390.00} ( firm ) includes Paypal invoice and shipping Click here for more postings : # XXXXGreat used condition.Normal signs of wear such as discoloration of leather ( vanchetta developed beautiful even honey patina, wrinkles, and some scratches and marks that blends in the color of the vanchetta. Some hardware discoloration.Interior is clean.Pipings are intact.No rips, tears, or cracks. No perfume, smoke, foul smell or odor. Please understand that this won't smell brand new and sense of smell varies from person to person.Made in XXXX. Date code : XXXX ( XX/XX/1996 XXXX Measurement : W : 6.3 '', H : 3.9 '', D : 2.8 '' Handle : 8.7 '' Please see all photos before buying it. 

When the buyer received my purse, she claimed that it has a crack. She ruined my purse to get refund 100 %. Paypal did not listen to the seller, Me. I sent them photos and they sided the buyer, who is a scammer. Now, I have damaged purse and Paypal refunded the buyer who destroyed my purse. I have known many sellers that are scammed because Paypal allowed it and not protecting the Seller. There is NO sellers protection in Paypal.
Product: Credit card or prepaid card

The credit bureaus were notified that I was 30 days late on a payment to my Visa Credit card with my bank. I did attempt to make the payment ; twice! It seemed to go through, but both times the payments were later reversed. The only payments I have been able to make SUCCESSFULLY on this card are the ones I make in person at the branch. I have called the bank to see what is going wrong when I make online payments. I thought the problem was corrected, but it has not been. Since I do not see an " error '' message, or anything else to indicate the payments are not going through, I made the payments in good faith each month, thinking " this time it will work! ", but it never did. At no time in the payment process am I asked to type in the account number or any other number. I log in with my user name and password and then go into the credit card portal. I indicate which bank account I want to pay from and which amount, and then it is done. Again - no error message. I pay everything online. It all appeared to be fine. But, they were not going through. 
There is a 30 day late mark on my credit that should not be there. I am NEVER late on payments, for anything. I pleaded with the bank to help me, but to no avail. My credit score has dropped 40 points because of this!! 
Attached is a payment history for my credit card. The only payments that went through without the " payment reversal '' are the ones I paid in person, at the branch!
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my equifax credit report through any credit monitoring service. It hasn't updated since XX/XX/2022. I have called equifax directly several times with no resolution to this issue. I am able to log into my equifax but still can not see my equifax credit report anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item identify item disputed by name of source XXXX XXXX XXXX XXXX, To which Transunion is reporting ( inaccurate ) on my report because it is being describe was paid in a bankruptcy to which it was not. XXXX XXXX was paid by myself. I had and XXXX XXXX XXXX XXXX requested that the item be deleted from my file upon ten time and Transunion has not complied with the request.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I applied for a personal loan of {$35000.00} from PNC in Florida from the XXXX XXXX XXXX branch. The loan was to pay off/on three credit cards. Two were paid on, but the check for the largest amount of approximately {$23000.00}, still has not reached the creditor. These PNC payments to the creditors were generated and sent by PNC. I never saw or touched these checks. At the branch level, they wanted me to chase after the missing check. After a while, the staff at the local branch stopped handling the matter. I reached out to a PNC middle manager, XXXX, attached to the corporate office in early XXXX. PNC claimed that a fraud case had been opened with the alleged recipient bank, XXXX XXXX and XXXX wanted me to pay both the full loan premium and the creditor while the case was being ironed out. I told XXXX that this was not fair and was not sustainable since I would be paying on a loan that I am not benefitting from and on the other hand paying interest on a credit card that really should have been cleared by the loan amount. I then asked XXXX to speak to the loan department with regard to obtaining a deferment of payments on the loan until the matter has been resolved, which could be about 5 months. I even asked for the loan to be renegotiated. I was to receive a call back last Thursday, XX/XX/XXXX. To date, there has been no word from PNC, XXXX and another payment will be due on XX/XX/year>XXXX XXXX
Product: Debt collection

I have advice Portfolio Recovery that I have never had a XXXX account and request that validation be provided showing proof of my signature, Portfolio Recovery ca n't provide the requested documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION TRANSUNIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX XXXX ] has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office I HAVE RECENTLY BEEN DISPUTING FRAUDULENT LOAN ACCOUNTS THAT ARE MY TRANSUNION CREDIT REPORT AND THESE UNAUTHORIZED LOANS ARE STOPPING ME FROM BUYING A HOUSE FOR MY FAMILY ALONG WITH CAUSING MAJOR DISTRAUGHT I HAVE BEEN A VICTIM OF IDENTITY THEFT I HAVE FILED MY FTC REPORT ALONG WITH MY POLICE AND I HAVE SENT ALL OF THESE DOCUMENTS AND THEY ARE ALL DOCUMENTED AND ON FILE AND THESE FRAUDULENT ACCOUNTS ARE STILL COMING BACK VERIFIED AND I DONT UNDERSTAND WHY ACCORDING TO THE FAIR CREDIT REPORTING ACT THESE ILLEGAL FRAUDULENT UNAUTHORIZED ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY FOR I HAVE TAKEN LEGAL ACTION WITH MY ATTORNEY TO ASSIST IN MAKING SURE THAT TRANSUNION FOLLOWS THE GUIDELINES OF THE FAIR CREDIT REPORTING ACT THE FOLLOWING ACCOUNTS NEED TO BE REMOVED IMMEDIATELY XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several loans from XXXX XXXX located in XXXX, SC. I had one loan that was paid in full but have several late payments being reported. Im asking for a XXXX deletion of those late payments to help improve my credit moving forward. I have always paid them in full and would appreciate the deletion and report it to all credit bureaus. Thank you for your past when I needed help. I paid all loans completely.
Product: Checking or savings account

I called Truist over a few months ago to call in regards my concern about the cash reserve. The customer service rep on the other side told me that I could switch to manual. Upon hearing this I asked him if I would face any penalty or late fees. he gave me misinformation and said that there would be none and I could pay when I wanted to. I trusted them as I am currently in a financial rut paying bills and needed some time before I could pay it back this past Tuesday. I then get an email telling me that I would have my wages garnished ( no date given in email threat ). I called the next day to get a more clearer answer. I was told that I would have until XX/XX/XXXX to pay my late required payment. a few days later my account would be hacked. Money would be stolen and I called Truist to get my funds back. On top of that I wake up Sunday morning and I find out that my account went from XXXX to XXXX due to them taking out XXXX and made sure to do it on a day that I would not be able to call them back and ask questions. They gave me wrong information. did not tell me how long I had and then lied as to how long I had to pay these services back. I want a full refund and my original date honored which is XX/XX/XXXX to make the late payment or it all completely shut down due to this violation of customer service.
Product: Payday loan

XXXX Missouri I took out a XXXX dollar loan at speedy cash in XXXX Tennessee I have a XXXX and I am on XXXX social security and they told me they would not lend me more than a XXXX dollars because of my XXXX I took the loan of a XXXX dollars and I went back a month later after I took the loan when I received my XXXX check and paid them the amount I owed to them.I have a receipt showing where I paid off this loan.It has been a year since I paid the loan and they are still taking money out of my s.s.i bank account they say I have a balance of XXXX and I paid that loan right after I took the loan out I am on XXXX and it takes everything that i get from s.s.i to live on.I am a XXXX also and this money that they claim that i owe is money XXXX and thing that i need to live on.
Product: Debt collection

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) had emailed me a notice stating they will be the third party collecting a minor rental debt from XX/XX/XXXX of {$2000.00}. That same day, I contacted them and made a payment arrangement of {$170.00} per month and payments were due on every XXXX of each month. That same day, I made a payment of {$200.00} towards the principal balance and they stated the balance would be {$1800.00}. I never received a statement of the payments I made or the agreed written contract that I signed up for. On Friday, XX/XX/XXXX, I made a payment of {$200.00} with a supervisor named XXXX. When I called originally that same day, another representative was acting rude behavior that led me to request to speak to a supervisor, XXXX. XXXX then took my payment and stated the balance was {$1600.00}. I asked XXXX if she can send me a copy of the written contract and then failed to provide me with a copy of the written contract. Then, on Thursday, XX/XX/XXXX, I called the supervisor, XXXX, to make payment arrangement with her. XXXX then read the statement disclosure and the balance showing as {$1700.00}. I remembered documenting what she told me was the balance and then stated the interest accrues daily regardless if I was submitting an extra payment towards the principal balance 15 days prior to the due date. I submitted a payment of {$200.00} towards the principal balance and then XXXX stated the balance would be at {$1500.00}. I then asked her why is the balance accruing more than what was agreed and then stated that their machine is made to charge people to accrue the daily interest. I asked her again to provide me with the copy of the written contract I signed where it says " Accrue daily interest '' and then failed again to provide me with a copy of the contract. The account number is : XXXX. Despite making payments, the agency reported to the credit bureaus and my credit score dropped XXXX pts. I like to submit a complaint against them because they are not providing me with a copy and keep overcharging me for making an extra payment, and 15 days before the due date. This company was hired by greystar apartments after I was the victim of a car accident of a hit and run accident that led to losing the apartment on XX/XX/XXXX. The address where I was renting from was at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a 30 day late payment on all 3 credit bureaus from XXXXXXXX XXXX XXXX. I've originally reported this as incorrect and XXXX deleted the 30 day late payment for several months. Just recently they have reported that same 30 day late payment again when it was removed from the first time I disputed this. I have summitted several disputes to have this corrected and nothing is being done about this. As a result of this I can not refinance my home or can not get another auto loan due to this 30 day late payment.
Product: Mortgage

I have a conventional fixed mortgage with Bank of America. My loan was in forbearance due to COVID. I elected the option that was offered to me by Bank of America in XXXX of XXXX per federal banking guidelines. I have been making regular monthly payments to them since XXXX of XXXX with the mobile banking app that I have been using to make these payments over the last several years. ( pre-COVID crisis ) This is based on their requests and recommendations in XXXX of XXXX. I was told those payments would trigger the option to extend the past due amounts to the end of my original loan and the issue of past due payments would be resolved. Those mortgage payments I made are recorded through outgoing banking transfers shown on my personal banking statement. The Bank of America has informed me that I am in default as of XXXX of XXXX due to non-payment. I have called them to resolve this. They say I have to produce banking statements that show payment to that account although, they have accepted those payments from my personal bank account. Where did these credit/funds go since my personal bank account has since been debited to Bank of America for {$990.00} on XX/XX/XXXX and XX/XX/XXXX? I am concerned this will affect my credit rating in the future as a past due debt. I have talked to their loan officer who asked me several questions and also wanted to know why I did not make any payments in XXXX. I explained the situation and his response was, " Well, I have no record of these payments. You must show proof. '' I explained the situation to him and he allowed our communication to devolve into an argument. My perception is that when dealing with Bank of American home mortgage with any situation outside of the 'box ' they do not listen to their customers and are very quick to claim default on loans that have been given forbearance. they also do not recognize bonafide banking transfers as payments and insist on unnecessary documentation to prove I made payments to them. This is a delaying/stalling tactic to float money from private citizen payers who do not have the support of easy money through the federal banking system. The bank statement also states I will owe late fees if they do not receive timely payment.
Product: Debt collection

I had XXXX at XXXX XXXX. XXXX began sending me bills for my portion. I paid {$50.00} and when I went to make a second payment, I could not make one in the portal. I was given a number to call or they ( Patient Accounts Bureau ) called me repeatedly. I finally called them back and they said they have this debt. This was in XXXX. I asked for a proof. They never sent it. I repeatedly asked. Then today, XX/XX/22 I called back because they left another voicemail. I asked for proof again and the rep said they are not required to send another bill. I said you never sent the first one and I am asking for this again because I never got it. She got angry and then said just tell me how much can you pay. She said numbers like {$500.00} per month, {$400.00} per month, {$360.00} and then $ 250 monthly to pay it off. I said, I don't make that amount of money to pay you that monthly. Send me the bill so I can see it. She said no again. I asked for her supervisor. After a XXXX minute hold, she came back and her supervisor would call me back. I said great but do know that if I asked you to validate this debt in writing and you do not provide it after numerous requests I can report you to the state attorney, FTC and Consumer Finance. She said she didn't care.