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

Transunion and XXXX are reporting my student loans to be late. My student loans were NEVER late. My student loans has always been in deferment even when President Biden administration policy act was in place. Student loans can not be placed in Bankruptcy unless there is an hardship shown per President Biden administration policy. Make the necessary changes to correct these negative marks on my credit report regarding all my XXXXXXXX XXXX XXXX. There is also car loans on my credit report that do not belong to me the following are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please fix these remove this incorrect information immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am more than happy to pay and start paying IMMEDIATELY. Before doing so the balance needs to be adjusted to the correct amount so I can make the correct monthly payment and not some inflated amount. 

Paypal/Synchrony Bank is claiming I owe you {$760.00} minimum payment with a balance of {$3800.00}
Product: Checking or savings account

I made a XXXX $ transaction with chase today. I realized the payment I made was to a fradulent person as I lost contact with them right after the transaction was made. I quickly logged into my chase to see if I can stop the transaction and I was happy to see the transaction as pending and not in completed state. So I contacted the bank as asked if they could stop processing the payment. The Chase bank denied and said I'd have to contact XXXX since it was a XXXX payment done through Chase. I tried to contact XXXX and they said if XXXX was used through bank then I should be reaching out to Bank only. 
I am stuck here not knowing whom to contact and how to get the XXXX $ to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I requested a refund under the CARES Act of payments I made to Edfinanancial on XX/XX/2022, totalling approximately {$40000.00}. I was told it would take 30 days to process the refund. I never received my refund and my loans were not reinstated. I called again on XX/XX/2022 and was told processing times are now at least 150 days, and my wait time was indefinite due to the volume of requests they are handling in light of the Biden administration 's forgiveness announcement. 

This does not make sense because I requested my refund months before that announcement, and because every other servicer has been processing refunds quickly and efficiently despite also dealing with many requests. I was willing to wait for a few months given the complexity of the situation but there is no excuse at this point for Edfinancial to be incapable of processing my request when the other servicers seem to have no such issues.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXL XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$22000.00}.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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: Credit card

Received a notification from XXXX XXXX XXXX on my recent hard inquiry. I recently opened a XXXX  XXXX XXXX XXXX XXXX which I thought this was referring to. I checked the report and it showed there was another hard inquiry for XXXX ( The Home Depot XXXX CitiBank XXXX XXXX I've since frozen my credit across the 3 bureaus and am taking the steps to report it everywhere I can.
Product: Vehicle loan or lease

In XX/XX/XXXX I purchased a new car and the loan was placed with Ally Financial. The car loan was paid off XX/XX/XXXX. 

I am currently purchasing a new home and it was brought to my attention that Ally Financial reported to the credit agencies that I had paid my car payment 3 times over 30 days. The months that were reported were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was very confused, upset, and extremely concerned about this reporting so I requested a detailed statement from Ally to have a better understanding of this issue. Ally first told me that they could not provide this due to my loan being paid off in XX/XX/XXXX and that they could not answer my questions regarding my account. Then I demanded a complete account statement because I have to provide additional information as well as a reason regarding these payments being reported on my credit. Ally at that point emailed me a very confusing statement that showed that they did receive my payments for the three months in question and they were not 30 days late. Also, what is even more confusing is the inconsistency of the interest payments that were paid every month. 

I at that point pulled my bank statements to see the dates and the amounts of the payments and my bank statements confirmed what I already knew. I was never 30 days late in any of my payments to Ally. 

For the XX/XX/XXXX payment their statement shows they received a full payment on XX/XX/XXXX. 

For the XX/XX/XXXX payment they have 4 line items about this payment all dated XX/XX/XXXX. they show XX/XX/XXXX they received my payment, then it shows they backed it out ( same day XX/XX/XXXX ) then they credited my payment to my account ( XX/XX/XXXX ) For the XX/XX/XXXX they received payment on XX/XX/XXXX Again this is according to their print out that they provided me on my second request and I confirmed with my bank records as well. As you can see NONE of these payments were late. 

Due to Ally Financial 's incorrect accounting and reporting of my payment activity is effecting my ability to secure a new mortgage! I have over a 700 credit score and I need Ally to correct the reporting error as soon as possible so my lender can see that I have indeed taken measures to have this resolved. 

Thank you for your consideration
Product: Payday loan, title loan, or personal loan

Trying to settle with this company they told me has to be delinquent to be offered settlement. I've already paid XXXX but only borrowed {$1000.00} They told me to pay the payday off they want XXXX by wed to pay in full. I'm going broke trying pay them every two weeks. Below is is screen shot of my loan. 



Original Loan Amount : {$1000.00} Principal Balance : {$870.00} Loan Docs : Want to Make a Payment? 
Want to Change Password? 
Status : Current Loan Effective Date : XX/XX/XXXX Loan Maturity Date : XX/XX/XXXX APR : 347.5562 % Interest Balance : {$92.00} Original Scheduled Installments : 26 Current Installment Cycle : 13 Current Due Date : XX/XX/XXXX Current Due Amount : {$140.00} Interest Paid To Date : {$1500.00} Principal Paid To Date : {$120.00} Last Payment Amount : {$140.00} Payment Date : XX/XX/XXXX Original Payment Schedule Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01 XX/XX/XXXX {$1000.00} {$0.00} {$140.00} {$140.00} {$1000.00} Regular Current 02 XX/XX/XXXX {$1000.00} {$0.00} {$140.00} {$140.00} {$1000.00} Regular Current 03 XX/XX/XXXX {$1000.00} {$2.00} {$140.00} {$130.00} {$990.00} Regular Current 04 XX/XX/XXXX {$990.00} {$7.00} {$140.00} {$130.00} {$980.00} Regular Current 05 XX/XX/XXXX {$980.00} {$8.00} {$140.00} {$130.00} {$980.00} Regular Current 06 XX/XX/XXXX {$980.00} {$9.00} {$140.00} {$130.00} {$970.00} Regular Current 07 XX/XX/XXXX {$970.00} {$11.00} {$140.00} {$130.00} {$950.00} Regular Current 08 XX/XX/XXXX {$950.00} {$12.00} {$140.00} {$120.00} {$940.00} Regular Current 09 XX/XX/XXXX {$940.00} {$23.00} {$140.00} {$110.00} {$920.00} Regular Current 10 XX/XX/XXXX {$920.00} {$8.00} {$140.00} {$130.00} {$910.00} Regular Current 11 XX/XX/XXXX {$910.00} {$18.00} {$140.00} {$120.00} {$890.00} Regular Current 12 XX/XX/XXXX {$890.00} {$21.00} {$140.00} {$120.00} {$870.00} Regular Current 13 XX/XX/XXXX {$870.00} {$24.00} {$140.00} {$110.00} {$840.00} None 14 XX/XX/XXXX {$840.00} {$27.00} {$140.00} {$110.00} {$820.00} None 15 XX/XX/XXXX {$820.00} {$31.00} {$140.00} {$110.00} {$790.00} None 16 XX/XX/XXXX {$790.00} {$35.00} {$140.00} {$100.00} {$750.00} None 17 XX/XX/XXXX {$750.00} {$40.00} {$140.00} {$100.00} {$710.00} None 18 XX/XX/XXXX {$710.00} {$45.00} {$140.00} {$96.00} {$670.00} None 19 XX/XX/XXXX {$670.00} {$51.00} {$140.00} {$89.00} {$610.00} None 20 XX/XX/XXXX {$610.00} {$58.00} {$140.00} {$83.00} {$550.00} None 21 XX/XX/XXXX {$550.00} {$66.00} {$140.00} {$75.00} {$490.00} None 22 XX/XX/XXXX {$490.00} {$75.00} {$140.00} {$66.00} {$410.00} None 23 XX/XX/XXXX {$410.00} {$85.00} {$140.00} {$56.00} {$330.00} None 24 XX/XX/XXXX {$330.00} {$96.00} {$140.00} {$44.00} {$230.00} None 25 XX/XX/XXXX {$230.00} {$100.00} {$140.00} {$31.00} {$120.00} None 26 XX/XX/XXXX {$120.00} {$120.00} {$140.00} {$16.00} {$0.00} None
Product: Debt collection

Debt of {$56.00} owed to XXXX XXXX  came from unknown source and is not a debt of mine
Product: Credit card or prepaid card

The due date was changed per Representative. My due date currently is the XXXX of every month. Due to a system update my due date is changed to XX/XX/2019. Due to Capital one system update, My payment went up XXXX in interest ). I do not want to change my due date. Made sure the representative is aware of this. She says they have to due to the update. The customer should not have to pay the price for Captial one system updates. Customer should not have to pay the extra interest due to their updates. Everyone doesn't have an extra XXXX dollars due to their decision on updates. This is a conspiracy and they are ripping off customers with extra interest. The customer is losing all the way around. This is a fraud. My bill went from XXXX a month to XXXX a month because of their updates. I call and spoke with representative and supervisor XX/XX/2019 XXXX XXXX. Yet the letter says you can change your due date. So, why change it and then charge the customer XXXX in interest. This really needs to be looked into. Just imagine how much money there cheating the consumer out of. This also causes issues to the customer who can due the new date and don't know about new date and get charged late charges. This has happen to me before.
Product: Checking or savings account

I had opened BBVA checking and savings account during XX/XX/2020. 
No where I have been told how to setup the e-statement. Website is also not user friendly or intuitive so that i can figure that out. I tried calling them but they have very restrictive hours or very long wait time. 
I was not even aware of the fact that i have paper statement and the bank charges for that. During end of XX/XX/2020 - BBVA charged me {$3.00} fees for the paper statement.

I wrote to them about it and asked them to waive it. 
I have some how setup the e-statements now
Product: Debt collection

After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX XXXX, A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX XXXX  did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.
Product: Credit reporting or other personal consumer reports

In XXXX, I was the victim of a robbery in my house and I reported the theft of all material belongings ( television, computers, jewelry, money, among other things ) to the police and notified the theft of my credit and debit cards. However, accounts payable appeared and others went into collection and do not disappear from my credit report. The case was even taken to court and each time the judge ruled in my favor. because it is clearly evident that the credit cards were not in my possession at the time of the consumption. However, this history has not been removed from my credit report and they appear as closed accounts but with a debit amount. despite the fact that I sent them proof that none of those cards were in my possession at the time of the consumption, which also took place in different parts of the country on the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  XXXXXXXX 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 XXXXXX/XX/XXXX.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account # 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 can not furnish a account without my consent
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the validation and verification of several charge-offs and collections that appear on my credit report. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to request that all information reported on my credit file be accurate, complete, and verifiable. This letter serves as a formal dispute of the following accounts : Accounts in Question : XXXX XXXX XXXX Status : Charge-Off Balance : {$530.00} XXXX  XXXX XXXX  XXXX XXXX XXXX Account ending in XXXX ) Status : Charge-Off Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX ) Status : Charge-Off Balance : {$250.00} XXXX XXXX XXXX XXXX Status : XXXX Balance : {$160.00} XXXX XXXX XXXX Status : Charge-Off Balance : {$550.00} XXXX XXXX XXXX XXXX Status : Collection Balance : {$290.00} XXXX XXXX XXXX Status : Collection Balance : {$850.00} XXXX XXXX XXXX Status : Collection Balance : {$1500.00} XXXX XXXX XXXX Status : Repossession Balance : {$6500.00} Validation and Verification Requests : Under the FCRA, I request that you investigate and verify the following for each account listed above : Ownership of the Debt : Confirm that the accounts were reported by the original creditor or their authorized representative. Provide documentation that links me to the debt, such as original signed agreements or contracts. Date of First Delinquency ( DOFD ) : Verify the original DOFD to ensure accurate reporting timelines. Incorrect DOFDs can extend the reporting period unlawfully. Balance Accuracy : Provide a detailed breakdown of the balance, including principal, interest, late fees, and any additional charges. Transfer of Debt ( if applicable ) : Confirm that any collections or charge-offs have been legally transferred to third parties and that they have the right to collect or report this debt. Compliance with Laws : Ensure the reporting of each account complies with the FCRA, FDCPA, and other applicable laws. Account XXXX or XXXX : Confirm that no payments or settlements have been misapplied or omitted from the reporting. Supporting Documentation : Provide all documentation used in your verification process, including correspondence from creditors or collection agencies.
Product: Debt collection

Upon vacating our former apartment complex, we were sent via certified mail a list of charges due. We found that the charges related to the utilities are fair and accurate, but we are disputing the charge for carpet replacement. After contacting property management we were instructed to dispute the charges in writing explaining our position on the matter. 
The dispute letter was delivered to property management in person. While waiting for a response from property management, we were contacted by Hunter Warfield via telephone for the purpose of collecting the debt in its entirety. We explained that we were in the process of contesting certain components of the debt with property management and were not really certain as to why a debt collection agency would be reaching out to us. We do not feel as though we are responsible for replacing the carpet as it was left in the same condition in which we received it. We have pictures and a move-in inspection that notes that there were stains on the carpet at the time we took occupancy of the apartment. The carpet was not new when we moved in. This was the point made in our original letter to property management. We were merely informed that a notation on the account would be made. We contacted property management who said it was now out of their hands which we found shocking being that we were waiting on a response from them. They then informed us that they responded to our letter via certified mail, but acknowledged that they had not received notice from the post office that their response had been received. We never received a response from property management by either letter or phone call. Since then, Hunter Warfield has repeatedly phoned for the purpose of collecting the entire debt without formally identifying themselves, sending anything in writing for the purpose of debt validation, or explaining the process of disputing the debt. During every phone call, we 've simply repeated the entire story to each Hunter Warfield associate that has called. During our last exchange with Hunter Warfield, we found the associate to be very rude and condescending as she threatened actions that would have adverse effects on our credit reports. It was then we began to feel harassed and quite stressed about the situation. I have repeatedly called XXXX XXXX at XXXX to open a better line of communication. I was sent to her voicemail only after being hung up on XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a debt validation letter via certified mail to XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX which they never responded to. Despite their failure to validate the debt, TransUnion and Experian are still reporting it as verified. Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), a debt must be properly validated upon request, and failure to do so means it should not be reported. I previously submitted my certified mail receipts as proof in a prior CFPB dispute, yet both bureaus have failed to remove this unverified account. 

Experian is still reporting a XXXX XXXX XXXX account that has already been removed from both XXXX and TransUnion, and also did not validate the account when sent the validation letter back on XX/XX/XXXX. This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and consistent reporting across all credit bureaus. Since XXXX and TransUnion have determined that this account should no longer be reported, Experian must also remove it. 

Additionally, XXXX XXXX XXXX XXXX failed to validate the debt after I sent a certified validation request on XX/XX/XXXX. Despite their lack of response, XXXX and Experian continue to report the account as verified, which is a violation of my rights under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). I previously submitted certified mail receipts as proof, yet no action has been taken to remove the account. 

XXXX. XXXX is also inaccurately reporting a debt from XXXX, falsely claiming I opened the account on XX/XX/XXXX, which is impossible since I have not had XXXX service for over XXXX years. This debt appears to have been sold illegally without my consent, further violating my rights under the FCRA.
Product: Credit card

My credit card was used with out my knowledge or authorization by my XXXX year old son. 
I had previously bought online gaming for him. And I did not realize the credit card information was stored on the computer. My son did n't understand he was using my credit card. There are multiple and duplicate transactions that if you were to look at my statement anyone could realize something was n't right. 
According to my credit card contract I have zero liability for transactions made with outmy authorization. However I was told in writing that I am responsible and its not considered " fraud ''. I never said it was fraud, its " unauthorized transactions '' I believe this wording of theirs is what is protecting them and not me as in my contract with them. 
Please advise, XXXX