23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

OneMain has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I have submitted requests for removal of all incorrect and unverifiable information however there has been no change in my credit report regarding removal of the incorrect information contained
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX  Balance : {$2400.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

I had a home equity loan from XXXX XXXX XXXX that got forgiven due to the department of Justice lawsuit. All XXXX credit bureaus are reporting every month that I have not paid and I 'm past due. I have provided them with the letter from XXXX XXXX XXXX stating that there is not a balance on this account and that it is not past due, but they are not correcting my report, and every month they are reporting me more and more late ( over 30, 60, 90, etc ). I got denied a business loan because of this and it has damaged my credit. I want this account deleted immediately and I do n't know who to contact.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX XXXX XXXX  Account XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card

HELLO. 
THIS PARAGRAPH IS SUPLIMENTAL TO THE ONE BELOW.ON PAGES XXXX THRU XXXX IT IS CLEARLY INDICATED THAT I WAS CHARGED FOR NOBLE MATERIAL AND I WAS PROVIDED SEMI PRECIOUS.AS SEEN IN THE DOCUMENTS PROVIDED YOU SEE THAT THE XXXX XXXX AGREES WITH MY ARGUMENT.UP TO THIS DAY THE PHYSICIAN HAS FAILED TO PROVIDE THE CERTIFICATION OF ANYTHING ON THE XXXX POST.IHAVE SPOKEN TO THE OTHER AGENCIES AND THEY SAY IN CASE OF INSURANCE THIS WOULD BE A PERFECT EXAMPLE OF INSURANCE FRAUD ; SINCE THERE IS NOT INSURANCE INVOLVED THIS IS DEFINITELY A COMPLETE VIOLATION OF CALIFORNIA XXXX XXXX XXXX AND COMPLETE BREACH OF CONTRACT.I NEED A SERIOUS AND IMMIDIATE ATTENTION TO THIS MATTER PLEASE.WHEN I RECENTLY SPOKE WITH REPRESENTATIVE SHE SUGESTED THET I RESUBMIT THE COMPLAINT. 
THIS LETTER IS TO COMPLAIN ABOUT SERVICES I RECEIVED STARTING XXXX XXXX, 2012. I ORIGINALLY WENT TO THIS OFFICE BECAUSE I HAD XXXX IN MY XXXX. I JUST WANTED THESE XXXX OUT AND REPLACED WITH COMPOSITE XXXX. THIS IS A VERY SIMPLE PROCEDURE. I WAS TOLD THAT I NEED XXXX AND XXXX. AS I WAS IN THESE PROCEDURES DONE I KEPT ASKING ABOUT THE MATERIAL USED FOR XXXX AND XXXX. I GOT I DO N'T KNOW FOR AN ANSWER EVERY TIME. MY ORIGINAL COMPLAINT I WENT TO THIS OFFICE WAS SEMI PRECIOUS MATERIAL IN MY FEELINGS. LATER WHEN I FOUND OUT BY COMPLAINING TO THE BANK THAT THE MATERIAL USED WAS SEMI PRECIOUS AND I HAD REPAIR BILLS FOR XXXX OF THE XXXX I WAS COMPENSATED FOR {$1400.00} PLUS INTEREST THAT WAS AMOUNT OF {$1700.00}. UP TO THIS DATE I HAVE NO IDEA WHAT MATERIAL WAS USED IN XXXX. I HAVE COMPLAINED MANY TIMES THE BANK THAT FROM THE BEGINNING THE CONTRACT WAS BREACHED AND I WAS CHARGED FOR PRECIOUS MATERIAL AND I WAS PROVIDED SEMI PRECIOUS AND UP TO THIS DATE I HAVE NO CLUE WHAT MATERIAL WAS USED ON MY XXXX. WHEN I COMPLAINED TO THE BANK FOR THE LAST TIME I WAS GIVEN A CREDIT OF {$730.00} FOR {$5100.00} $ XXXX THE INTEREST OF 14.99 %. I 'M NOT EVEN SURE IF THIS AMOUNT IS CORRECT. I AM VERY CONCERNED BECAUSE XXXX OF THE XXXX HE HAS DONE NEEDS XXXX AND ANOTHER XXXX XXXX NEED TO BE REDONE. THIS IS ANOTHER CHARGE OF {$3600.00} ON TOP OF OLD EXPENSES THAT HAD ORIGINALLY COST AT LEAST {$8000.00} OF EXPENSES SINCE XXXX OF 2012. PLEASE BE ADVISED THAT CONTRACT WAS BREACHED AT THE BEGINNING AND I HAVE TO HAVE ALL THE XXXX BE DONE AGAIN BECAUSE I DO N'T KNOW WHY I HAVE XXXX IN THE XXXX AND I FEEL DIZZY ALL THE TIME. I AM COMPLAINING BECAUSE I HAVE SERIOUS DIFFICULTIES XXXX ON ALL OF THE TEETH HE HAS WORKED ON.
Product: Credit reporting

XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX FL XXXX To Whom it May Concern : XXXX, TX XXXX XXXX, GA XXXX TransUnion , LLC XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Creditor Name Inquiry Date Removed By* Type XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

As of XXXXXXXX XXXX XXXX my student loans, around {$69000.00}, were transferred from XXXX to XXXX but my credit report has not been updated to show that I no longer owe XXXX. The student loans are being reported twice on my credit report showing open student loan balances with both XXXX and XXXX, which is negatively impacting my debt-to-income ratio, three credit scores, and my overall report. I have reached out to XXXX twice to get this matter resolved and I also sent them physical copies of all three of my credit reports to show the inaccurate balance that is showing up. I also called them via phone in XXXXXXXX XXXX XXXX and filed a complaint with them to get this matter cleared up. However, the accounts have not been updated to show a {$0.00} balance and closed account on the XXXX student loans. In fact, those loans are still showing up as open with the original balances. There are still five open XXXX accounts on my Experian credit report with large balances. I have attached the Experian credit report to this complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently paid XXXX XXXX to help remove negative items off my report I received emails that these items were challenged on these dates XXXX XXXX XXXX Transunion on XX/XX/2018 XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX XXXX XXXX on XX/XX/2018 I called all three Credit bureaus to make sure these items were being disputed by XXXX XXXX all three credit bureaus told me that none of these items were being disputed by XXXX XXXX  and that have not received anything from XXXX XXXX. XXXX XXXX has a good relationship with all the credit bureaus to where when they dispute negative items it goes directly electronically to the Credit Bureaus. 
Below I have attached emails from XXXX XXXX that these items were challenged and a screenshot of my account showing negative items that has been intervene ( challenged ) with the credit bureaus by XXXX XXXX. Its underlined in yellow.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I never received any notification from XXXX XXXX XXXX about this debt. This debt keeps getting sold from one collection agency to another. I have disputed this debt with the three bureaus and had it removed for failure to validate because there is no contract for this debt. However, each time they sell it to another collection agency it is yet again reported to the bureaus. If there was no validation of this debt with the previous collection agency, there still isnt any with the current and it needs to be removed from all three bureaus immediately.
Product: Credit reporting or other personal consumer reports

Over the years, I have been actively trying to resolve an issue with my Ally Financial account due to incorrect reporting of late payments. Initially, the problem arose when Ally Financial reported multiple late payments on my credit report, which I believe were inaccurately recorded. Despite my efforts to resolve these inaccuracies, the situation has persisted, and my credit report continues to reflect these errors. 

Timeline of Actions Taken : Initial Dispute : I first noticed the inaccuracies in my credit report several years ago. I promptly contacted Ally Financial to dispute the late payments, but my concerns were not adequately addressed. 

Requests for Documentation : I made several requests for detailed documentation to understand the charges and payments better. Despite multiple follow-ups, the requested documents were either incomplete or not provided. 

Formal Complaints : In XXXX and XXXX, I filed formal disputes with Ally Financial regarding the inaccuracies. I provided evidence showing my on-time payments and requested corrections. However, Ally Financial 's responses did not resolve the discrepancies, and the negative information remained on my credit report. 

Ongoing Communication : I have continued to communicate with Ally Financial, both via email and postal mail, but the responses have been insufficient. I have also sought assistance from credit bureaus and the Consumer Financial Protection Bureau ( CFPB ), but the negative entries persist. 

Current Status : Despite my ongoing efforts to address these issues, Ally Financial has continued to report inaccurate late payments on my credit report. The account was eventually closed, yet the reporting of late payments and fees has continued, damaging my credit reputation. 

Resolution Sought : I am requesting an immediate review and correction of my account to reflect 100 % on-time payments. If Ally Financial can not provide accurate documentation or correct the reporting errors, I ask for the account to be completely removed from all credit reports due to the invalid and outdated information.
Product: Credit reporting or other personal consumer reports

While I was reviewing my most recent credit report, I noticed several inaccuracies on one of the reported accounts. This account is hurting my ability to rent a decent apartment for me and my family. Its my understanding that the credit bureaus will investigate this account on my behalf to ensure that it is accurate. Here is the account I am asking you to verify for accuracy Name : XXXX XXXX XXXX Alleged Balance : XXXX Account Number XXXX  I appreciate your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I was notified by XXXXBMO Harris Bank that I was approved for a forbearance for months, XXXX XXXX, XXXX due to COVID. The XXXX reps name is XXXX, initials, XXXX. 
In late XXXX, I received a call from XXXXBMO Harris bank to inform me that my forbearance was not approved. I was notified that the XXXX rep informed me of the forbearance approval in error. This was a problem because XXXX and XXXX payments were already missed. I then asked for a Supervisor who eventually had the recording pulled of the conversation where I was notified of the approval. The Supervisors name is XXXX XXXX. I was led to believe that since XXXX made an error, the three months could be placed on the back end of the mortgage loan. Instead, XXXXBMO Harris Bank reported a 90 day delinquency on my account, which caused my credit score to drop XXXX points. When I learned of the negative reporting, I managed to make a payment to bring my account current, early XXXX, XXXX. I had exceptional credit, score XXXX, until this error occurred. Now my credit is unbelievably low, after I have worked so very hard to maintain my credit through the years. There is no way I neglected my mortgage. My credit history speaks for itself. I need the delinquency removed from my credit report. I can not accept anything less. I have worked too hard through the years to gain an XXXX credit score to fall victim of someone elses error. Please help me,
Product: Debt collection

Received letter of attempt to collect debt. Debt is related to identity theft issue with Nordstroms. XXXX didn't cancel and close account when first contacted in XXXX. The fraud department individual i spoke to said account would be closed and it wasn't. Contacted XXXX again and now it's closed and they are starting fraud investigation. Made several attempts to contact debt collection company with phone number provided. Unable to get anywhere with that
Product: Vehicle loan or lease

I have banked with USAA for 37 years, as spouse of XXXX veterans and divorced spouse of XXXX veterans. I have had a checking account, credit card, property insurance, car insurance in my name only for over 20 years. USAA has always been informed of, and known of my marital status changes, and I've never had health or life insurance through USAA. 

I opened a car loan in XXXX. I signed up for automatic payments to be made on the XXXX of each month. 

I am social security XXXX and needed a car to work part time and go to doctor appointments, work, shopping, etc. 

I have been paying principal only payments in addition to my auto payment with the hopes of paying the car off in 2.5 years. There was no charge for early pay-off. 

So, it was strange that when I hit {$1600.00} range, the amount of principal I owed stopped going down. I pulled up the payment records, and it appears that USAA turned off my auto payments without notifying me or asking permission and was just charging me interest and my loan protection fee. 

I called the evening of XX/XX/XXXX to ask them to take the auto payments out and back date the payments and adjust the interest. I was told they could not do that. So, I asked them that if I was in a financial crisis, could I call them and ask to just make interest only payments for a couple of months. I was told it didn't work like that. 

When I asked why they stopped taking the auto payments and just charged me interest, I was told it was because " I was so far ahead in paying. '' Three times the young woman told me this. I told her that I was obligated to make those auto payments and i did not give them permission to stop those payments. In effect, they were stealing interest from me and I wanted it back. 

The woman at USAA Auto Loans said she could not do that. 

I expressed disappointment to her and asked her to pass that on. I expressed I had lost trust in USAA and was considerig paying of the loan so they would get no more interest. I told her I was not angry at her, but at USAA. 

I payed off all but about {$50.00}. When I went in to cancel auto pay, it said my next auto payment was due on XX/XX/XXXX. When I told them to turn it off, it said it was already turned off ... .. not my me. 

I have screen shots of all this. The call took place the evening of XX/XX/XXXX Eastern Daylight Time. I will attached screen shots showing I make principal payments, but they did not take the XX/XX/XXXX payment, at all, and only took the XXXX interest and loan protection fee. I also have screen shots of me paying a {$1400.00} payment and how they tell me that I am still responsible for the XX/XX/XXXX auto payment ; a screenshot showing that I am on autopay ; one of me telling them to cancel ; and one showing that auto pay was already turned off ( not by me ), though it was hidden from me in the previous screenshots. 

USAA taped the phone conversation, or so they said. 

To say I am angry is an understatement.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was never late on the payoff account with XXXX home loan please show me documentation proof of transaction being late to support your inaccurate reporting on my credit report if you can not supply this delete late payment off my credit report the FCR allows 30 days to fix this
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this collection agency has violated my rights under 15 USC 1681 section 602 ; states I have the right to privacy. 15 USC 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Under 15 USC 1666B ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose an is reporting an open account with a past due balance.
Product: Checking or savings account

I have XXXX checking accounts with Regions Bank. My main account into which my direct deposit was paid became overdrawn because i went on unpaid leave and no deposit were going into the account. Because I know there is a time limit to how long accounts can remain overdrawn before being charged off, I called the Bank to ask what my options are since they state that there are hardship options available. I called the Bank on XX/XX/XXXX. The representative told me that I had until XX/XX/XXXX to clear the overdraft or the account would charge off. She said if that happened, I would have to call Collections and make an arrangement to pay. I asked if there was any help that the Bank could offer, and she said no. I had some funds coming in from a parttime job which were about 40 % of my normal pay but it would be just enough to pay my bills. Those funds went into a different regions account that I use to pay my bills. The first of those payments came in on XX/XX/XXXX. Regions debited {$640.00} from that payment which cause a number of my bills to be returned unpaid. I was charged {$250.00} in fees for those payments which were returned. I thought it was an error and was waiting the funds to be credited back to my account. Unfortunately, I had a health emergency and couldn't follow up immediately. The second payment came in XX/XX/XXXX for {$1400.00} and Regions took almost all of it including the fees leaving me with {$2.00} in my account. When I called Regions on XXXX to ask what was happening, I was told that the collections department had taken the funds to pay down the overdraft on the other account. I said that nobody had notified me of this. I was told to call the collections department which I did. The first thing the agent told me was that I owed Regions money and they could take money from any account to pay their debt. She said I could have avoided that if I had set up a promise to pay on the original overdrawn account. I said I was never told that when I called in or I would have done that. I explained that because Regions had taken the money leaving me with only {$2.00} I wasn't sure how I was going to be able to eat. She recommended that I try a local food bank and said there was nothing they could do to return any of the money or the fees. In the meantime, I had incurred another {$250.00} in fees because all my payments had been returned because the money that was in my account to pay them had been taken out. So now both my accounts are overdrawn and I have been charged {$500.00} in fees. I called and asked if the fees could be refunded and I was refunded {$72.00} as a courtesy because the fees were correctly charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check on my credit report and it showed I have 7 credit cards and 1 loan, but in fact I only have 1 credit card and there is no balance on the card. I've never applied for loans!

Also I was told there is a delinquency which affected my credit scores. I believe someone has been using my identity and taking a load without my permission. It has seriously affected my credit score. Please help.
Product: Money transfer, virtual currency, or money service

My paypal account was closed, I had some unauthorized transactions and filed a dispute and it was ruled in my favor, paypal said I couldn't transfer my funds until 180 days is up I waited 180 days passed and now they are giving me the runaround or just are telling me they are waiting on some department to release my funds and they are sorry they are past the time frame their policy says or they just tell me they don't know anything or what to do. Basically each representative just repeats a scripted response or tells me something different or are clueless but no one wants to help or cares. The email address on file with paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX/XXXX  XXXX account was sold to a third party who went out of business. Experian fixed the dispute it currently has a {$0.00} but is still on my credit report. I need it to be removed immediately please. This has been a frustrating 5 year process. Please relieve my anxiety by having till removed from my report in order to boost my current score. Thank u very much Cordially Mrs. XXXX XXXX XXXX