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

On XX/XX/XXXX Equifax removed an account ( XXXX XXXX  ) when Equifax discovered during their investigation that XXXX XXXX had reported inaccurate information. This information has caused me to be denied for new credit. I was notified by Equifax and XXXX that the account had been removed due to inaccurate reporting by all agencies. On XX/XX/XXXX, I was noticed once again only by Equifax that my account had been updated to a charge off account. This caused my score to drop XXXX. The information is inaccurate and was deleted three days prior. I am in the process of buying a new vehicle and this has hurt my chances of getting a good rate. Please delete the XXXX XXXX Account from all agencies. I have sent letters with proof of these inaccuracies to all three credit bureaus. XXXX and Equifax deleted at first. Equifax is not re reporting inaccurate details. XXXX is reporting incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following account, ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 ) XXXX XXXX XXXX {$0.00}, ( 3 ) XXXX XXXX XXXX {$1.00}, due to the fact the information is inaccurate and does not rightfully belong to me. Your company investigation response was account verified. Now I'm requesting the Method Of Verification for that investigation conducted by your company. What certified documentation did you receive to confirm your investigation. What is the name and title of the person conducted the investigation, what day, date, and hour did this take place. Please provide me with all relevant information pertaining to your investigation. Your cooperation is Appreciated.
Product: Debt collection

In XX/XX/XXXX, I opened a credit card with XXXX XXXX. I believe made payments until it was paid off and never received a statement to the contrary. I have been receiving calls from a company on their behalf using numerous phone numbers and told the first two or three callers ( approximately XX/XX/XXXX ) that I did n't owe them any more money and asked for written documentation of the debt. I asked them to stop calling. Instead, they continued to call numerous times a day, frequently from two or three numbers in succession. On Wednesday, XX/XX/XXXX, a person named XXXX called my husband on his cell ( he is not on my account and I did not give his number ) and told him I owed them over {$800.00}, that I opened my account in XX/XX/XXXX and stopped paying them in XX/XX/XXXX.  She called from XXXX and gave XXXX ext XXXX as a callback. She told my husband she would be getting an attorney to sue me if I did n't respond to her within ( he does n't remember if it was 24 hours or that day. ) Just prior to that, I also received a call. I was at work and could not answer. 

Tonight, I received calls at XXXX, XXXX, XXXX and XXXX and my son, who is XXXX, received two calls on his cell phone ( I was siting next to him ) at XXXX and XXXX during which he said it was not my phone number. It was the same person twice. 

I am appalled that this firm working on behalf of XXXX XXXX would share my personal information with someone they do not know and who is most definitely not on my account. 

Can you help me stop this harassment and get an accounting of what I supposedly owe? It was originally a {$500.00} line of credit and I paid it on time. 

Thank you XXXX XXXX
Product: Vehicle loan or lease

I started the lease with Southeast Toyota in XX/XX/XXXX - XXXX XXXX XXXX XXXX - 3 yrs, XXXX miles per year - I paid for XXXX of excess damage insurance with the dealer at the time of the purchase I paid every payment on time and returned the car in XX/XX/XXXX - The car had XXXX miles on the odometer when returned - The car had 2 hair line scratches aprox 1 inch length Southeast Toyota Finance sent me a bill of {$1100.00} for - {$800.00} for excessive miles - {$320.00} Excessive Wear I called Southeast Toyota and their response was - We show no record of your excess damage insurance - We have no idea what the miles allowed for your original lease was
Product: Credit card or prepaid card

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, have a closed account reporting on my credit report from SELF FINANCIAL , INC . d/b/a SELF through XXXX XXXX due to late payments. I am writing this in regards to Account # XXXX and transactions. At the time of the occured late payments, I was having financial issues due to me not getting enough hours at work to pay all of my bills. While I make every effort to pay off my debts and fulfill my financial responsibilities, in this instance, I was in this circumstance, unfortunately, unable do so. I have since, been put in a much better position and was able to fulfill my duty to pay off my balance before the account closed. Due to this closed account reporting on my credit report, it is greatly impacting my credit score. I take full responsibility for these late payments and would like to sincerly apologize for my inconvinence and frustration this has caused you.
Product: Checking or savings account

I have multiple transactions that were fraudulent adding up to XXXX dollars. My dispute was denied as these transactions were a similar pattern of other transactions. These transactions were not me. They were fraudulent. Its my VENMO debit card.
Product: Student loan

Each time I call Navient, Department of Ed, or email FASFA I receive different information. I currently have a Joint Spousal Consolidation Loan that is serviced by Navient. Law was passed on XXXX XXXX allowing the separation of these loans. I have called all three agencies to get information and am told there is no process in place. I called Navient about a forbearance while DoE figures out the separation process and was told that I need to continue to pay my and exes portion of the loan until it is paid off. I have filed for PSLF after 23+ years in public service under qualified employers and the application can't be processed and was told that it can't be processed until separation is complete. Navient says to call FASFA, I call them and am told to call Navient who then says to look on studentaid.gov where there is no information. No one has answers and in the meantime, I continue paying for a loan that should be forgiven and on a portion that isn't mine.

I have asked Navient for a complete history of my loan. Payments as well as times in deferment/forbearance as was sent an incomplete list missing. The first papers were missing 12 years, when I sent them an email letting them know that is was incomplete they sent me a new one missing 10 years of history. Navient then said that since my loan had been transferred from servicer to servicer after they were all shut down there is no record of about 10 years of my history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit Card customer service refused to correct a missed payment error reported to the Credit Bureau, even though clearly I have never gone more than 30 days making a payment. 

XXXX XXXX XXXX website consumer information regarding late payments, " a late payment shouldnt affect your credit score until its gone unpaid for at least 30 days, making your minimum payment before it goes 30 days past due can help prevent further problems. '' XXXX XXXX XXXX customer service would not acknowledge the due date of XXXX on the billing statement as the determination for 30 day late reporting, rather they said the billing cycle was the basis and refused to correct the error of missed payment reported to the credit bureau. 

https XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block inc ) due to inadequate and lack of customer service unfair, practices, which violate consumer financial protection act ( cfpa ) specifically cash app failed timely, and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore, there are dispute resolution was unfair deceptive, and they did not comply with errors resolution require requirements under the Electric Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and stress and I am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upgrade, Inc states they report to all three major credit bureaus on the last day of the month. I made a large principal payment to a loan on XX/XX/XXXX. XXXX states my balance was last reported on XX/XX/XXXX, but it does not reflect that payment. XXXX states they have not reported since XX/XX/XXXX. There is no consistency to this reporting and a month later I am still waiting for them to report the accurate balance. They state this was reported on XX/XX/XXXX, but they also state they are unable to provide written confirmation to me showing that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reviewing my consumer report on a daily basis along with noticing the inaccuracy of my consumer report in the personal info section of the report. I called on Monday XXXX XXXX XXXX and spoke with multiple representatives which was on a recorded line courtesy of the reporting agencies speaking about how I have a right to privacy as a consumer to have the personal information removed when I was denied assistance and my consumer rights were violated. Also this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer.
Product: Payday loan, title loan, or personal loan

Goodleap was the financing partner of the solar company we chose to provide and install our solar panels ( through XXXX and XXXX ). While we were surprised at the high installation cost vs. product cost, we decided to proceed as we could see the overall benefits of having solar energy collection. Our interest rate was 1.99 % over a 25 year term, which we found favorable. After 10 months of {$230.00} per month payments, I checked on the website to see what our new principal amount was, as I wanted to consider paying off my debt. I was shocked to see that the principal reduced only {$1000.00}, after submitting {$2300.00} in payments. I reached out via email, and was provided an answer that my rate is distributed daily, equalling {$4.00} per day. Basically what they are doing is front loading the interest, which decreases according to the remaining principal. So out of a {$230.00} payment, less than half was being applied to my principal! This was never disclosed to me, as they provide a sum for the total interest paid over the loan as well as the rate and payment, but no disclosures regarding how it is amortized. 
I can see why there are so many complaints here, as well as across the internet, about Goodleap 's shady practices. My only hope is to find the means to pay them off and warn everyone I know about them. Being a XXXX with a far reach, I hope to avert this same situation to occur for others.
Product: Money transfer, virtual currency, or money service

I had coinbase account and someone transfer my money from coinbase account to XXXX XXXX, they did 3 different transactions and I didn't get any alert or notifications from coinbase. 
I contacted them and they said they can't give me my money back, I trust them because they claimed there platform is secured but someone break up their security check and took all my money!!
Product: Credit reporting or other personal consumer reports

I have been a victim of 18 U.S. Code 1028A - Aggravated identity theft. I have included proof of my claim. I would like the listed accounts blocked from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX  days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

EOS CCA  collection agency reported an account to my credit on XX/XX/2020 for {$180.00}. I have never done business with this company and this account has affected my credit report significantly. I also never received a dunning letter or any other type of notification from this company. 

I request for this account to be removed from my credit immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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  attached is my ftc police report, ID and fcra 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any variation of my name. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX FLAT XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed unauthorized accounts and hard inquires that I do not recognize.

I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit bureaus after the dispute results stated that the account verified it belong to me. It has been past 30days and they have failed to provide method of verification that debt belongs to me. 

15 U.S. C CODE1681 ( b ) and 1681c-2 I have attached my FTC report with my ID and address verification, stating these accounts were open by fraud and made a police report as well.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Student loan

My complaint about ACS began when I initially attempted to come up a way to temporarily postpone my payments due to lack of flexible options my loan servicer provided coupled with my financial hardship that I was currently going through at the time. There was an agreement that was reached in which we decided on a modified repayment plan. This meant that for the first 6 months I would have 0 $ payments and then incremental payments for the next two years. Essentially I was paying a percentage of what I owed which was working. However, in order for this payment plan to begin, I needed to set up autopayments which ACS had no problem doing. So I went ahead and began autopayments as usual assuming that in 6 months, my payments would begin to go through as expected. ACS failed to notify me that the autopayments were no longer going through which caused my payments to be delinquent for the 10 months before realizing it. I asked ACS why this happened and how come no one notified me of this change. ACS did not have an answer. I found out that there was a change in legislation that prevented me, being the cosigner on the loan, to make autopayments. If this were the case, why did ACS let me go so long without calling or notifying me of this error. As a result of this mishap, My credit is ruined and ACS refuses to take the 10 delinquent payments off of my account because of THEIR error. When looking at my payment history, you can see the time from when the modified payment plan started and when the phone calls were made to inquire about this issue. ACS will also not give me any more information regarding this including dates ( not viewable on the web ) and other supporting documentation. I am looking to have these 10 payments removed from my credit history with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

There is a debt being reported to my credit report from Receiveable Management that I paid years of go. I have sent letters to the credit bureau and the company and the debt was verified without any proof. This is killing my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke To a representative from XXXX MasterCard through XXXX XXXX. They put me in a deferment plan due to covid where I wouldnt Have to pay for two months, no fees and no derogatory marks on my credit report. Two months later I get spamming calls every single day regarding the payment before it was due. And they reported to the credit bureaus that I missed Three months of payments even though I have Proof I paid The third and fourth month with them. I want These lates removed and all late fees associated as well as my credit score fixed. This prevents me from any lending I want To do regarding buying a house or getting a credit card to transfer balances or even consolidate my debt. Ive spoke to them multiple times and filed mutiple disputes with transunion and XXXX
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 which is found to be opened due to identity theft. 
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: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am a victim of identity theft due to the Equifax data breach of XXXX. You have removed 33 of the 38 fraudulent hard inquiries, but I still have 5 fraudulent hard inquiries left on my report that I would like to have removed please. These include the following : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX & XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

After receiving in XXXX XXXX a promotional 0 % interest rate offer from PNC BANK, I read the offer and was confused on what the 0 % offer applied to. After review I concluded it applied to balance transfers and new purchases. On XXXX XXXX I called the PNC Bank phone # on the offer advertisement to confirm. A Customer Service Representative stated that the 0 % APR interest rate promotional offer as advertised was for both balance transfer and new purchases till XXXX XXXX, XXXX. 
That day, I did indeed transferred a credit card balance from another bank to PNC BANK VISA. I was charged a fee of 1 % for the balance transfer and began using my PNC Bank Visa card for new purchases.The interest charge on my next XXXX credit card statements eluded my review. The most recent statement I discovered an interest charge of 14.24 %. 
When I called PNC Bank for an explanation they requested I fax them a copy of the promotional advertisement. I did immediately, and by the end of the day a customer service representative ( name XXXX ) called me and stated " The Bank Stands Behind Their Advertisement '', and only the balance transfer is 0 % interest. 
I stated, " I will have to take the matter to another level ''.