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

I spoke with a customer service representative and asked could they delete the late payment reporting status if I paid the account in full. The customer service representative said yes. I paid the account in full. Regional finance is still reporting the account in late status on XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 ( a ) ( b ) - Obligations with respect to disclosures of personal information. I have sent a letter to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and they are not reporting it to the credit agencies Equifax, XXXX, and XXXX and they are still reporting information that they don't have my consent to. I have also sent letters to Equifax, XXXX, and XXXX letting them know that they do not have my consent to report my credit but they still commit Identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XXXX XXXX XXXX XXXX : XXXX -- -- ->Date Opened -- ->XXXX XXXX XXXX XXXX : XXXX -- >Date Opened -- -- >XX/XX/XXXX XXXX XXXXXXXX XXXX : XXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX -- >Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- >Inquiry date -- -- > XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XXXX XXXXXXXX XXXX XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XX/XX/XXXX XXXX XXXX XXXX  XXXX -- -- ->Inquiry date -- XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX  XXXX -- -- -- ->Inquiry date -- -- >XXXX XXXX -XX/XX/XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXXXXXX XXXX  -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX  XXXX -- -- ->Inquiry date -- -- >XXXX XXXX -- -- -- >Inquiry date -- -- >XXXX XXXX  -- -- -- ->Inquiry date -- ->XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX XXXX XXXX -- -- -- >Inquiry date -- XXXX XXXX -- -- -- ->Inquiry date -- -- XXXX XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX  XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX/XXXX -- >Inquiry date -- XXXX XXXX XXXX XXXX XXXX -- >Inquiry date -- XXXX XXXX -- -- -- -- >Inquiry date -- -- XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names : XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I sent a cease and desist to Jefferson Capital systems demanding the accounting and all documentary evidence of this alleged debt & they failed to do so. Any alleged debt transferred only transfers the debt, not the ownership nor obligation of the consumer. Im demanding them to immediately cease and desist through all mediums which includes reporting to the consumer reporting agencies. I am opting out of furnishing this information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can Somebody explain what transunion is doing with the account of acceptance now First Transunion reported 2 late payments The later in Transunion changed to 1 late payment Then last Trasnunion changed to 5 late payments What transunion is doing is completely is illegal by the law with a account that is inaccurate closed With XXXX  my report is showing no late payments So according to Transunion this information is from the furnisher That is big lie So how XXXX  isnt showing any late payments and last this was an agreement without my signature Trasnunion dont make any sense or any logic They keep changing almost every week In an closed account the most illegal action Enough is enough I will see Transunion is court What Transunion is doing deserves a big law sue Is ruthless action and discriminatory action against me I never saw something like that the most ruthless action against me
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to opt-out of my info being shared. I have not benefited from any of these transaction. Please block, delete and remove them immediately from my consumer report. The following account is incorrect : XXXX XXXXL Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems reported a negative review for an incorrect amount owed to XXXX XXXX which caused a decline to open a checking account. Chexsystems nor XXXX XXXX notified me of this reported amount per the fair credit reporting act.
Product: Checking or savings account

Unlike other banks, I can not schedule a transfer of funds between my PNC checking account and PNC Home Equity Line of Credit account ( HELOC ). Because the interest rates are high, I don't want to transfer funds from HELOC to checking account ahead of time and pay additional interest. But that also means that I have to remember to do the transfer the night before. I'd like to be able to schedule the transfer of funds between my checking account and HELOC. 

This technology capability is not available, and I've requested it before. It puts burden on me to remember to transfer funds at specific times to reduce my interest expenses. It is a simple feature that most large ( and even smaller than PNC ) banks size of PNC offer is to transfer funds between two of their own products. 

Secondly, the mobile app doesn't offer capability to transfer funds between checking and HELOC account. Ironically, the banking app offers to transfer funds between PNC and NON-PNC-external accounts, but NOT between two PNC bank accounts. I've complained about this to the branch and also to the 800 numbers. I have not received any satisfactory answers. 

To summarize I am asking for two simple and reasonable capabilities.

1. Schedule transfer of funds between PNC checking accounts and PNC HELOC account at a customer selected date.

2. Have the same capability on the App as well. Currently the App doesn't even off to transfer funds at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Bank account or service

I have a checking account with Capital One 360. On XX/XX/2016, I needed to make an ATM withdrawal. I went to the network ATM at the XXXX at the corner of XXXX and XXXX in XXXX XXXX, IL, and there was a sign on the ATM indicating it was out of order. I then went to the network ATM at the XXXX at the corner of XXXX and XXXX in XXXX XXXX, IL, and that ATM was also out of order. I then, needing access to my money and not having any more time to drive all over town, went to the ATM at XXXX XXXX in XXXX XXXX, IL, and used there ATM, and incurred a {$4.00} fee for using a non-network ATM. I called Capital One and was told by a super visor " XXXX '', that they do not care how many ATM 's I have to go to, they do not reimburse fees. XXXX also told me that she does not have a phone number to reach her directly, and that she does not have a boss and is the highest level person I can speak to at Capital One.
Product: Credit card

I was never late in paying my GECRB/Shaw. The account was on autopay set up through Synchrony Bank and that had been the mode of payment since establishing the account. I paid the account off in XXXX. I do n't know how they can justify destroying my credit by stating that I was 30 days late, four times for account number XXXX and that my account was closed by grantor. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Synchrony Bank they refused to take this enormous mark off my credit. That account has a zero balance and was closed at my request. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from XXXX and XXXX off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a late payment reported on my credit account with XXXX  XXXX XXXX. 
According to my records, I have always made timely payments on this account, which were set up through automatic debit to ensure prompt and consistent payment. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information you report to credit bureaus. To validate this late payment claim, I request that you provide documentation demonstrating proof of transaction and showing that I was ever late. If you can not supply this documentation within the required XXXX timeframe, I request that this inaccurate late payment entry be deleted from my credit report as per FCRA requirements. 

Additionally, under 15 U.S. Code 1666b - Timing of Payments, it is stated that : A creditor may not treat a payment as late unless reasonable procedures have been adopted to ensure that periodic statements, including the required information, are delivered no later than XXXX  days before the payment due date. 
If a grace period is provided, additional finance charges may not be imposed unless the billing statement reflecting the finance charge basis is delivered at least XXXX  days before the payment due date. 
I request that you confirm that these requirements were met in this case and provide evidence to support your claim. 
If this can not be established, the late payment entry must be removed from my credit file. 

This inaccurate information has caused harm to my creditworthiness, and I demand this matter be resolved promptly. Please confirm in writing once the correction has been made. Should I not receive a satisfactory resolution, I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

To support my dispute, I have attached a copy of my XXXX credit report dated XX/XX/2025, which confirms that my account shows no negative information, late payments, derogatory marks, or delinquencies. This further demonstrates that the late payment claim on my account is inaccurate. 

Creditor Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, US DEPT OF EDUCATIONXXXX XXXX , US DEPT. OF EDUCATION/XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/2018 XXXX debit my saving account {$99.00} they than debit my account again {$25.00} dollars on XX/XX/2018. I called them to let them know that they debit my account and they advise that they dont show my saving account only my checking account. I called them 5 times on 5 different days and they told me to dispute the charges because they didnt see the charges on my account. I called Citi bank and file a dispute. 4 days later I called because they still havent credit me the funds they told me I had to wait until XX/XX/XXXX to get my funds back. I spoke with XXXX employee number XXXX and she was the worse customer service associate Ive ever spoken with, she pretty much told me that they dont care how bad i need my money i have to wait 2 weeks to get my money back, she told me to call the merchant back again. I am so frustrated with Citi bank why does it have to take so long for you to give me my money, I work hard to earn. Ive never been treated as bad as today. I really do hope I get a survey on XXXX employee number XXXX. I want my money back!!!
Product: Credit card or prepaid card

I am an Amex card holder for over 10 years. I had 3 cards that ended in account numbers XXXX, XXXX, and XXXX. I live at XXXX XXXX XXXX XXXX XXXX FL XXXX which is a FEMA Federal Disaster area after Hurricane Irma. 

Amex cancelled these cards around XX/XX/XXXX in the financial crisis. While others defaulted on their debts I dutifully made payments on my accounts for over 10 years. In XX/XX/XXXX I collectively owed just over {$10000.00} on these 3 accounts. I made payments online to pay these accounts in full at that time. 

I believed that I had paid all 3 accounts in full. 

Unfortunately, there was interest charged on account XXXX that I was not aware of that left a balance of about {$27.00}. What happened next is infuriating and I am asking that American Express resolve this. 

1 ) - I assumed my accounts had been paid in full. 2 of the 3 were. Account XXXX was not. I paid {$5200.00} on XX/XX/XXXX to attempt to pay this account in full. 
2 ) - Amex does not offer the ability to pay more than the balance owed. I would have paid the interest outstanding which was {$27.00} but that option was not allowed 3 ) - I assumed my account was paid in full and cancelled my recurring payments given my pay-off of {$5200.00} on XX/XX/XXXX. 
4 ) - On XX/XX/XXXX I received a credit monitoring alert that an account was past due. I researched this alert and realized it was from American Express account XXXX 5 ) - On XX/XX/XXXX I realized that a {$27.00} balance was left on this account when I paid it off. American Express then charged me late fees in XX/XX/XXXX and XX/XX/XXXX. {$38.00} each month for {$76.00} in total. I received no phone calls from American Express that my account was past due in this 60+ day time period. 
6 ) - On the note above - any time I previously was a few days late on a payment American Express immediately called me every day to let me know I was late. In this case when I attempted to pay off the account I received no calls from American Express. They apparently would have just charged me {$38.00} a month late fees for perpetuity and gladly taken my money. 
7 ) - On XX/XX/XXXX I contacted American Express customer support and they were worthless with no ability to help 8 ) - On XX/XX/XXXX I went ahead and paid my account in full ( again ) for about {$93.00} which was the {$27.00} in interest that I owed plus the {$76.00} that American Express charged me in late fees. 

I am asking for fairness. I paid the account in full on XX/XX/XXXX. They can see it in my records. I paid my account on time dutifully for over 10 years. My credit report should not be negatively marked because of my mistake which was compounded by American Express not calling me or notifying me that a balance was owed and my account was now late. I would argue vehemently that American Express had set a precedent that if my account was late I would be called daily. I have no idea why I was not called or notified in this situation. 

Please correct the credit report to show my account is paid in full and never late. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been breaking consumer rights law and violating my rights for the past 6 months and refuses to comply with the law and fix their mistakes on my credit report. 

I opened my mail and noticed that I was sent a 1099 for debt which you claim I owe. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report. If you choose to do nothing, I will file complaints and seek legal advice on this matter.
Product: Checking or savings account

My wife and I are XXXX, Medicare folks, on a fixed income. In XX/XX/2022, I received a call from XXXXasking if I authorized a purchase and when I realized something was wrong hung up the phone. It was too late I became a victim of XXXX scam in XXXX XXXX. The scammed accessed my cell phone and sent a XXXX for {$2500.00}. I immediately drove to PNC same day and was told they would research it. I received a call from PNC and was confused by all of the questions because they kept asking me if I gave them my account password and I kept saying no I would never give my bank password but somehow PNC said the transfer came from my phone which was part of the scam. I never accessed my bank account t but when I looked up my XXXX account the scammers somehow accessed XXXX. I pleaded with the rep, was transferred around and was told I would get a call back. I spoke to the PNC Client Services and the rudest lady said it was my fault I gave them my account. I sent the XXXX  a letter and the lady called me back and said I shouldnt have done that and now there is no help from PNC. Out of fear I closed my account but later learned that my IRS stimulus payment was deposited in that account. I lost {$2500.00} which was taken from the IRS Economic stimulus payment. Its been so hard and a year later my wife and I are still suffering. Ive read several news articles and stories of victims who were scammed but their banking institution did the right thing. Im asking for help because I need it.
Product: Debt collection

On or about sometime XX/XX/2022 Weber and Olcese threatened me with garnishment of my payments of Supplemental security Insurance and Social security XXXX insurance and began taking payments under the guise of saying that I had volunteered. I never volunteered anything. I never agreed. I asked them to send me paperwork and they could not produce anything but garnishment paperwork. This forced me to have to file for bankruptcy. I was looking to open an XXXX account and researched and came across this : XXXX  : XXXX XXXX, depending on the type of debt. Retirement, spousal and survivor benefits and Social Security XXXX XXXX ( XXXX ) can be garnished to pay child support and alimony ; court-ordered restitution to a crime victim ; back taxes ; and non-tax debt owed to a federal agency, such as student loans ( although these are largely immune from garnishment during the government 's pandemic moratorium on collecting student debt payments ). 

This was a credit card debt, therefore it did not meet criteria to be garnisheed.
Product: Payday loan, title loan, personal loan, or advance loan

Predatory lending which i was not aware till later after paying XXXX  % of my loan or so i thought.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled out an institutional loan ( in the spring of 2016 ) from my university to pay for tuition. I experienced a very long difficult period with my mental health, and was not able to immediately pay the institutional loan. As a result, the loan was reported as missed payments and went into default. I was not able to get my diploma, and therefore was not able to get a descent job. Fast forward a year and half later, I figured out a way to pay the loan. I spoke about my situation to the university and asked that if they could remove the derogatory remarks from my credit report. I told the institution that I paid all of the loan off with interest and that I shouldn't be penalized on my credit report therefore. I'm trying to get a home loan and move forward financially, but this account continues to be reported as a negative account on all three of my credit bureau accounts. I believe it is not fair for it to be negatively affecting my credit score and report status given that I paid the entirety of the account PLUS INTEREST.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint asking all credit agencies to stop violating My privacy by posting alleged debt on their private sites. ( e.gXXXX XXXX  is a private company owned by XXXX XXXX XXXX XXXX. ) ESPERIAN, XXXX are not Bureau 's and are only agencies of the BUREAU. 

When I stated the account in question in last complaint I meant " EVERY SINGLE ACCOUNT '' DEBT PAYMENT HISTORY ETC '' that ESPERIAN/XXXX continues to post XXXX will hold the CFO personally liable as notice to agent is notice to principle. the individual who's privacy is being violated pursuant to the EQUAL CREDIT OPPORTUNITY ACT THE FEDERAL RESERVE ACT, THE PRIVACY ACT, every transaction relies upon the " FULL FAITH & CREDIT '' of the united states. Im invoking Consumer protection laws for : XXXX XXXX XXXX # XXXX I humbly DEMAND that ALL AGENCIES aforementioned REMOVE all info pertaining to ALL ACCOUNTS connected to the " Authorized Agents Birth rights and Social Security number assigned to him listed above. OR REDEEM MY NOTES FOR GOLD & SILVER COINS... Please and thank You!