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

I am not liable for this Debt with XXXX XXXX XXXX XXXX I do not have a contract with the collection agency trying to collect and report negative in formation to my credit report. I do not have a contract or signed any legal documents with this agency. They did not provide me with the original contract as requested. 

Correction to my credit report, I demand this, I demand this account be removed from my credit report In accordance with the Fair Credit Reporting act XXXX  Account 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: Vehicle loan or lease

I, XXXX XXXX XXXX XXXX entered into a consumer credit transaction with CARMAX on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CARMAX took cash. The finance charge is supposed to include insurance, but CARMAX made me purchase insurance separately. CARMAX failed to disclose my right of rescission. 15 USC 1635 defines the consumer 's right of rescission. 15 USC 1611 defines the criminal liability for willful and knowingly violating 15 USC 1635. 15USC 1640 defines the civil liability for violating the federal law.
Product: Credit card or prepaid card

net spend and brinks prepaid cards im not receiving anything and not able to use card someone else I believe might be fraudulently using card I never have gotten any funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my account from Midland funding, total amount was {$3000.00}. I logged into my case online on XXXX and was offered to settle for one discounted payment of {$2000.00} to which I accepted and made the payment. I have attached screenshots of both the offer, me submitting the payment and the payment clearing my account. Midland updated my credit report to show that now a current balance of {$1000.00} remains and is in collections, rather than showing a {$0.00} balance & closed/settled for less than full balance or just altogether deleted from my credit report. 

I filed a dispute through XXXX on XXXX in which I provided the same screenshots provided with this complaint showing the settlement offer and my payment being made and cleared. However, today, XXXX, I just received notice that my dispute results were ready and that the information reported is accurate. However, it is NOT accurate and I provided evidence to that fact and now and am unable to dispute the debt again online.
Product: Payday loan, title loan, or personal loan

Paypal Credit rejected my payment of {$1500.00} on XX/XX/2021. Attaching the email indicating rejected. I contacted my bank and the back office/technical person stated Paypal Credit had not attempted to even process the payment. Funds are more than sufficient. This bank account was successfully debited by Paypal Credit XXXX XX/XX/XXXX and XX/XX/XXXX, no changes to the payment method had been made. 

When I called Paypal Credit after talking with the bank, the {$1500.00} payment had mysteriously been accepted and the customer service individual issued an overpayment refund check in the amount of XXXX. Attaching the transaction history.

Today I logged in and Paypal Credit Adjusted my balance by {$1500.00} essentially reversing the payment going from a XXXX balance on this closed account to a current balance of {$1500.00}. I contacted my bank and still no effort by Paypal to complete the submitted payment from XX/XX/XXXX. I have recorded phone calls to Paypal Credit going over the details of both paid off and reversed adjustment, letting the agents know they were being recorded that well document the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I opened a bank account with PenFed Credit Union. At the time I was informed that they would perform a " soft '' credit inquiry that would not effect my credit report negatively. However, shortly thereafter on the same day my XXXX score plummeted. My score decreased 40 points!! This was exceptionally disappointing because I was & still am in the process of repairing my credit. I've written them & have also spoken with the bank 's representatives several times now without any resolve.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I have had a Home Equity Line of Credit with the Capital One Bank for 10 years. I have never missed a payment and was never late in 10 years. ( I have been with the bank for 31 years, have XXXX accounts and XXXX credit cards with them. ) The maturity date was coming up in XX/XX/XXXX and I was told to get into the bank to refinance the loan before the maturity date and give me an extension on the loan while I was in the refinance process with them. I did get in before the date and started the loan process. I requested the extension and the loan officer said we just needed to hurry up. I asked if there was an extension given several times. She said do n't worry about it, we 'll get it done. 
During the loan process I continued to make my payments on the loan as usual. To my shock the payments I made on the loan were accepted and then the bank returned the money to my checking account. What? The bank employees did n't seem that was so bad because we were in the process of a refi on that loan. 
I spoke with the extension department and was told I should have come in 4 days earlier or 2 weeks and I could have gotten an extension. 
To fast forward a bit, the bank says they will report non-payments to the Credit Bureau that I did not pay my loan and am 2 months late. Are you kidding? I have n't been late or missed in 10 years on that loan!!!! 
I called the corporate offices of this bank and was given no consideration for loyalty or good payment history. They were rude and told me I should have come in a month earlier. Yet, I did come in before the maturity date, that was the defining time. Now I find out that the time difference was only for their convenience, to collect some data that I know you can get in 1 or 2 days. And nothing has to do with me as a good customer. 
I have good credit and have no bad things on my credit. Now they are claiming they are going to report me as late on my loan and I have never missed a payment through the life of the loan. In addition I paid while in the refinance process. And have proof of this. This whole handling of this event is so unfair and absurd! Everyone I tell this to can not believe it. 
What can I do to not let this happen to my good credit that I 've worked so hard for? Please let me know how to handle this. 
PS i was misled and taken advantage of by the bank officer which is another story on its own.
Product: Payday loan, title loan, or personal loan

I initially joined this company in 2014 and have been pre-approved on multiple occasions for a credit card. Then when I took my time and applied through all documents Im still being denied.I realized this has caused my credit score to drop tremendously and now I also have new inquiries because of it and there are always multiple inquires at once. Im also aware of how in all these years of being with credit karma I have only succeeded once and now I understand why because I was misled by thinking i would get approved and then be effected by negative impact to my history.
Product: Checking or savings account

I had a business account at Chase Bank and gave the employee five checks a week, and she changed the date and amount at her deposal, defaced 13 times, caused more than {$5500.00} in damages, so I informed the bank and sent them the documents, copies and police reports that they wanted, and I asked for help
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent over letters to XXXX and Transunion requesting that unverified accounts with incomplete and unknown data be verified. I am receiving emails and results stating that they are verified. The last results I received from Transunion on Monday XX/XX/19 state that the accounts have been verified, however they did not provide the method of verification and completely ignored the request for a signed consumer contract with my signature and all of the incomplete unknown data accounts still remain on my credit report. The same results also happened with XXXX. I also received a letter from XXXX they they will not investigate the matter further. With a prior dispute with XXXX, 2 of the accounts were deleted, however all of the other accounts containing the same incomplete unknown data were left on.
Product: Credit reporting or other personal consumer reports

Many times I've expressed concern about identity theft. Within 4 business days, you must remove/block any items that was opened without my knowledge, consent, or authority by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) 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 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100000.00} ; XXXX XXXX Balance Owed : {$8700.00} ; XXXX XXXXXXXX Balance Owed : {$920.00}.
Product: Student loan

Have received several mailings from them stating I have been approved for lower interest from XXXX but when I try they keep telling me that I have inadequate income. Have not missed making a payment eve ( except for period when I was in bankruptcy ) almost always paying more than the monthly requirement. Not only have I called t hem but have sent them several written requests. They simply are not working with me. 

Loans are actually for all XXXX  of my children so is a Parent Student loan. 

I would like to get reduced interest so the loan can be paid off sooner. On fixed income so every bit reduced would be helpful. I don't expect any loan forgiveness knowing that I am responsible to settle my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts that Ive listed are not mine and are fraudulent. 

The companies are XXXX XXXX, Jefferson Capital Syst, & XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX, XXXX I had a water back up into my home. XXXX XXXX XXXX, XXXX a remediation company removed sheet rock, took up floors, and determined cabinets would need to be moved from the home. They had fans in the home until XXXX XXXX. The insurance company wrote a check at this time for {$28000.00}. This was mailed to the mortgagee company on XXXX/XXXX/XXXX. An additional check from {$10000.00} was sent on XXXX/XXXX/XXXX. The only checks I have received to pay for my repairs was {$480.00} on XXXX/XXXX/XXXX and {$12000.00} on XXXX/XXXX/XXXX. I was told on XXXX/XXXX/XXXX they would pay XXXX out to the contractor and I and then XXXX at the halfway point and the remainder once it was finished unless I showed them paid in full invoices. I started sending paid in full invoices via fax and email on XXXX/XXXX/XXXX. The contractors estimate was sent on XXXX/XXXX/XXXX. I called every three days as instructed for status. They did not confirm receiving anything until XXXX/XXXX/XXXX at which point they acknowledged receiving the XXXX versions I sent. The girl promised she would upload my file for review herself. On XXXX/XXXX/XXXX this still had not been done. I spoke to a supervisor who spent over an hour stating what she was requesting be issued from my escrow funds. Long story short nothing has happened other then getting XXXX of my funds payable to me and the contractor. He has been paid in full and the XXXX was for more then what I owed him since I am supplying all the materials. I am unable to get the remaining funds even with a lien wavier signed and notarized by the contractor and paid in full receipts from the contractor and from the supplies. If you are not the correct person to complain to please let me know. I have a lot more information and dates just want to verify this is the correct place to file a complaint before I continue. I will attached a summary up until XXXX/XXXX/XXXX of my receipts and correspondence. I have the remaining information and supporting documents if required. I am truly at a loss on how to handle this.
Product: Credit reporting or other personal consumer reports

All Im asking is for the inaccurate accounts to be removed and blocked from my credit report immediately. Please, I need this resolved so I can finally be free from the constant stress this has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I have multiple inquiries from XXXX XXXX XXXX I didnt give XXXX XXXX XXXX XXXX consent for inquiries. I have disputed the inquiries and over 20 deleted reports from XXXX XXXX was removed, due to these deceptive tactics I have been financially unable and stressed. I now noticed that these are violations under the FDCPA and XXXX XXXX is legally obligated to pay for violations. Like I said I have over XXXX and Im putting yall on notice so we can have this matter taken care of. Also I received a report from a new debt collector stating I owed a debt of {$510.00} and I learned XXXX XXXXXXXX XXXX sold them my information without any consent another illegal tactic this company has made against me.
Product: Credit reporting or other personal consumer reports

Equifax told me that the accounts were verified that I disputed with them. I am requesting the method of verification because these accounts are reporting in accurately and some I don't recognize like XXXX XXXX and its reporting inaccurately. XXXX  XXXX payment history/ summary is also reporting inaccurately. According to FAIR CREDIT REPORTING ACT ( FCRA ) The furnishers and credit agencies are suppose to report information incompleteness and accurately. Equifax has failed to do so.
Product: Debt collection

ON XX/XX/2022 I GOT A LETTER IN THE MAIL FROM CASCADE CAPITAL FUNDING ABOUT A DEBT THAT I OWED AND I HAVE NO KNOWLEDGE OF
Product: Checking or savings account

Bank of America continues to frivolously and fraudulently violate my privacy and use of my personal information. In XX/XX/2022, I received two emails indicating accounts had been opened in my name. I did not authorize the opening of these accounts. 

Also, Bank of America continues to report a fraudulent account on my credit report. 

At this point it is beyond illegal for this bank to report this account on my credit as well as open fraudulent accounts in my name. 

If the CFPB is here to help consumers, please help me resolve this and do not send me an auto response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus and the collection agency, XXXX XXXX, to verify this debt and they have failed to do so. Also, the collection agency continues to report a late payment to my account every month on this collection account. I have disputed it with the credit bureaus with no resolve. The collection company is telling me that I have no rights and just have to pay the debt. 

I can provide the letters from each bureau showing what I have done and what they have done. I have received no communication from XXXX funding.
Product: Debt collection

There trying to find a certain person that is not me and they Have contacted Me Numerous times i do not associate or know the person they are trying to get ahold of and they Keep Calling me reapedtly and it needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX  Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately. 

What happened? 
The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been removed from your credit report. 

Source : XXXX Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : account # XXXX, XXXX 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 agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I took out a loan for furniture with Acceptance Rental in XXXX XXXX. Each month around the XXXX of each month, an automatic withdrawal was made on my account. In XX/XX/XXXX, I reached out to the company requesting a notice of completion and never hear back. In XXXX XXXX, I was contacted by them implying that I had a final payment due, which I disputed. 
I advised them that I was disputing any additional payments due and would research on my end. Also, I advised them, that it seemed odd that they would suggest that I owed them monies, when they were withdrawing out of my account each month with no issues. They were reminded that they did not under any circumstances have any authorization to make any additional withdrawals from my account six months later. 
This morning XX/XX/XXXX, I was checking my account and noticed an automatic withdrawal pending from my account from Acceptance Rental, which I did not authorize and have had absolutely no contact regarding anything. 
This company took it upon themselves to take money from my account with any notification, acknowledgement or agreement from me.
Product: Debt collection

Horrible consumer/debtor treatment. I settles that acct. Have yet to receive my letter stating I paid. I would like my release letter. I 've called numerous times, and have gotten the same response " we will send it out '' It is on a recorded line agreeing to pay {$200.00} of the {$240.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed an FCC complaint on XXXX for erroneous billing and failure to credit my account properly. After the depute my bill was credited and it resulted in a XXXX balance.Afterwards I ported to a new company and returned 2 years later. The bill wasnt mentioned and there were no adverse effects when I ported back to XXXX. Almost a year in and collections agency has listed the item on my credit report. XXXX advises the issue was resolved and they aren't showing compensation due on the amount. However, XXXX is the only credit reporting agency that refuses to remove it even after several disputes have been entered. In fact they have blocked me from further filing in the matter!
Product: Student loan

I filed a complaint with CFPB ( Complaint # XXXX ) regarding fraud by my school and being steered into this private loan by the fraudulent school. I wasn't informed that the loan wasn't a government loan and couldn't be consolidated and would have much higher interest rates than the government alternative. 

When I filed the prior complaint, Navient denied me the loan discharge application for fraudulent schools, stating that my type of private loan ( Tuition Answer ) wasn't eligible. Navient shouldn't be able to avoid sending the application because of the title of the loan. It's a private loan from Navient, the name shouldn't matter. There was clear fraud by the school as detailed in my last complaint and well documented by the Department of Education as they are the ones who shut down the school for fraud. 

Navient shouldn't deny an application because of the loan type.
Product: Credit reporting

I 've proven month after month that Equifax is reporting the wrong information and they continue to report inaccurate and incomplete information on my credit report and they are in violation of the FCRA : XXXX - XXXX - # 1 You have a date of " XX/XX/XXXX '' and I 've proven this to you month after month and you have n't done anything about it! 
# 2 you are reporting a balance of {$11000.00} when this is a released and PAID tax lien! 
# 3 you have an inaccurate court name " XXXX XXXX '' when you must list the court name accurately ; this is NOT accurate! 
# 4 you have the wrong liability amount # 5 you have the wrong reference # XXXX - # 1 You have a date of " XX/XX/XXXX '' and I 've proven this to you month after month and you have n't done anything about it! 
# 2 you are reporting a balance of {$2100.00} when this is a Satisfied judgement and my credit report even says this! 
# 3 you have an inaccurate court name " XXXX XXXX '' when you must list the court name accurately ; this is NOT accurate! 
# 4 you have the wrong liability amount # 5 you have the wrong reference #