23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

It has been 14 days since I did a load at XXXX through XXXX to my Rushcard and still no reflection to my account balance I have called company everyday only to get either hung up on or on hold for hrs then hung up on CSR cant say when issue will be resolved this is putting me in a financial bind I even reached out to XXXX to see if load can be reversed and they said being the fact that they show that Rushcard has received this money they Rushcard would have to notify them to cancel transaction which is a catch XXXX situation because according to Rushcard they cant look anything up so very frustrating I have been with this company for 5years and trusted them with my money and for this to happen is just unacceptable PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

My Kia car payment was due XX/XX/XXXX. A valid 30 day late would have been XX/XX/XXXX. I legally signed car over to XXXX XXXX XXXX in XXXX XXXX dealership on XX/XX/XXXX. I traded car in for a truck. They informed me they would send payoff asap. I nicely explained to Kia what occurred and apologized the dealership did not payoff car until XX/XX/XXXX. Then they sent the wrong payoff amount and left a low balance remaining which resulted in a 60 day late. I sent dmv proof that I was no longer legally liable for vehicle on XX/XX/XXXX prior to it being 30 days past due and kindly asked if they would remove the erroneous 30 and 60 day late. Kia credit dispute said they would not remove it as I was legally liable for vehicle until payoff was received.
Product: Credit reporting 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. 

Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

I requested and was granted by XXXX a payment accommodation ( deferral ) plan on or about XXXX of XXXX  in accordance with the Cares Act. My loan # is ( XXXX ). Reported late payments was in XXXX, XXXX, and XXXX of XXXX  XXXX reported me late to the credit bureaus adversely affected my credit. XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. XXXX was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Product: Credit card or prepaid card

Comenity bank, now known as Bread owns the XXXX XXXX credit card. Multiple times their website is down when trying to make a payment. They say to call them, just to wait HOURS on hold with no one ever helping. When the payment finally goes through ( late because of their issues ), they charge late fees. They are purposely ripping customers off to make a profit on late fees.
Product: Debt collection

On more than one occasion. Recovery Partners contacted my wife about a debt they were trying to collect. At no point did Recovery Partners attempt to contact me directly to see if it was okay to even discuss this with her. This agent told my wife many times that he should not be discussing this debt with her but proceeded to anyway. He knew what he was doing was wrong. The first time was months ago and then the most recent times included XXXX XX/XX/2024 and today XX/XX/2024. My wife said she insisted on trying to get me on the phone so we could all discuss this together but he refused to allow her to do that. My wife helps me with talking on the phone because English is not my first language. I speak English fluently but it may be hard to understand on the phone. That is why she was the first contact on the file that XXXX sent to Recovery Partners. The agent on the phone told her we needed to pay XXXX in installments because XXXX was unable to collect from my old employers commercial insurance policy. She gave him all the information he needed to correct this ( it was a mistake ) but he refused to accept the information she provided and got her very upset. She suffers from a neurological condition and stress/XXXX can trigger XXXX if we are not careful. I was worried she would have a XXXX with how upset she got after the call on XX/XX/2024 with this agent. She attempted to call me many times while I was working and was not able to answer right away. I then got a call from my old employer stating how upset and scared my wife was because this collections agency has made her believe that we need to pay {$10000.00} right away or they would take legal action that would take away my drivers license and could impact my case to get a XXXX XXXX. By the time I spoke to her on the phone, she was crying and upset that I would be taken away from her. After talking to my wife, my ex-employer, XXXX, and XXXX about the issue it appears to be getting resolved. Today though, the same agent contacted my wife yet again instead of me to attempt to collect. He was completely unaware that XXXX and XXXX were fixing this and that Recovery Partners would not be contacting us about this. She told me she recorded that phone call after the last time. She told Recovery Partners that both XXXX and XXXX are connected now, that XXXX apologized for the mistake and said it should not have gone to collections and that they are working with XXXX to fix this. That call was short. So in the end, Recovery Partners made it sound like they are a branch of XXXX XXXX, refused to contact me directly to discuss this, and put it all on my wife to try and clear this up and set up a debt payment arrangement. They also called her at XXXX on XX/XX/2024.
Product: Debt collection

Received phone message at work from XXXX at API XXXX that I was being sued for a debt and they were sending paperwork to my employer and the XXXX XXXX. Did not identify original debt or amount or send me anything in the mail about this.
Product: Payday loan, title loan, or personal loan

I became involuntarily unemployed on XX/XX/XXXX, approximately 2 werks after finalizing and receiving a personal loan. I did not anticipate being unemployed for very long so I did not file for unemployment until XX/XX/XXXX. I prepaid a couple payments with money that I had saved and from cashing out my for 401K. 

By XXXX I realized I would not be going back to work any time soon. I then applied for the unemployment protection that I had purchased on the personal loan. I was notified that they paid one payment, refunded {$180.00} but I received no phone call or letter explaining anything from One Main or the insurance company they use. 

BUT On Friday the XXXX of XXXX I called at approximately XXXX XXXX and left a voicemail about the continuing claim. At approximately XXXX XXXX  XXXX XXXX, the office manager in the XXXX office of One Main Financial, called me back but apparently hadn't listened to the voicemail. However she informed me that the insurance company cancelled my coverage and refunded the balance of my premium after making XXXX 's payment. 

But XXXX did let me know they have a new program because of the Covid-19 situation to help their customers. 

All you have to do is run ANOTHER credit application and credit check to be approved for a temporary lower payment that COULD be as low as {$85.00} a month. On a temporary basis. 

So the only way they found to help customers is to try to force them into doing another credit application so they can maintain their sales quotas during this pandemic. 

This is unethical and taking advantage of people during a crisis.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX, Equifax, and XXXX to obtain updated and accurate credit scores. I have the apps for each credit bureau and pay a monthly service but have shown no improvement on my scores. I spoke to XXXX on XXXX and inquired as to why I am unable to retrieve a current credit report. The last report was dated XX/XX/2021 and when I request an update report, I receive an error message that a report can not be provided at this time. To provide an updated report with credit scores.
Product: Credit reporting or other personal consumer reports

I recently investigated my credit report and found several items there to be inaccurate under 15 US Code 1681e ( b ) Accuracy of Report- Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer. 
Please delete any inaccuracies regarding the following accounts from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) to refuse to delete the fraudulent accounts from my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit cards opened by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were opened under my name without my knowledge and I am asking to block and delete these fraudulent accounts because I have no knowledge about these accounts. They are fraudulent accounts.
Product: Credit reporting or other personal consumer reports

There is a fraudulent and unauthorized open XXXX XXXX account on my credit report that needs to be removed immediately. I sent over XXXX dispute letters
Product: Credit card or prepaid card

On XX/XX/2018 my wife and I went to XXXX XXXXXXXX XXXX in XXXX, WA and ordered drinks in the amount of {$29.00}. When we left -- in a hurry -- we filled in the total to be an even {$30.00}, and signed for it. When we got home, we calculated that the tip was only {$0.00}. However, we discovered that they charged us a total of {$35.00}. I disputed the overcharge with CapitalOne and they immediately made a purchase adjustment on my account in the amount of the extra {$5.00}. The same day, the XXXX, I scanned my receipt and uploaded it for them to pursue the case ( Case number : XXXX ). Without further communication, on XX/XX/2018, I was charged for a " transaction rebill '' in the amount of {$5.00} for the Dining purchase made on the XXXX.
Product: Credit card or prepaid card

On Tuesday XX/XX/2019 I paid my balance in full ( XXXX ) to Bank of America for the card I have with them. It then showed I had a XXXX balance. I called in because I was seeking a credit limit increase. I looked 2 hours later at my Bank of America account and saw that there was no reflection of my payment. I called in and the operator couldnt find it either. This morning I looked and there was no reflection of my payment and now there is a new balance of XXXX. 

The confirmation number of the payment was XXXX For XXXX. I looked at the close date and realized that if Bank of America doesnt reflect this payment until the 10th they would have a right to interest, this is a tactic to fee harvest. And I would like it brought to light. Ive had this card for 4 years and Im sure this was not the only time I have been cheated.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIAFX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022 I was served in XXXX, XXXX by a marshall being sued by XXXX XXXX XXXX XXXX, on behalf of Conn 's Appliances , Inc. I called and explained that Conn 's owes me for the payments that I had for a year on the furnature and broken TV that they delivered to me that was of course torn up, broken, and infested with bed bugs and XXXX cockroaches, which was an absolute nightmare to get rid of, Conn 's gave me a 36 month warranty on anything covering the products I got from them but upon calling numerous times with complaints of total dissatisfaction and demanding replacements and remediation for the bug infestation that they had inflicted upon my family and my house, and the damage they did to my house upon delivery, they continuously gave me excuse after excuse of how they were taking care of it, which never happened. I paid for an entire year for items I couldn't use and finally spoke to a store manager after my last payment and he told me to stop paying on the stuff, that he wouldn't put up with it and if there was something he could do to remedy the situation, he would do it for me. Back to the law firm/Deb collector XXXX, they tell me the account is not with them, they transfered it back to Conn 's XXXX even though I never heard from or of the lawyer until my summons on XX/XX/2022. I called conn 's and they told me that another third party collector had the account, so I called them and they told me conn 's had the account, so I called conn 's again and they told me that XXXX had the account. So I called XXXX again and spoke to yet another foreigner rep and they told me they didn't have to account and I told them yes they do because I just got served by the Marshall being sued by them, they transfered me around 5 times and finally I spoke to yet another foreigner that said yes, my account is with them and I can settle with them for a slightly reduced amount, and I told them I refuse to pay anything, that I have pictures, bills, and no product from conn 's after paying for a whole year for @ {$6000.00} worth of damage. I told them I was going to counter sue for the damages, the destruction of my once great credit, and for the breach of contract by conn 's for not adhering to their no hassle 36 month warranty. What do I do from here, I really don't have time or patience to deal with these " conn 's '' artists anymore or their bottom feeding collection/lawyer agencies. I gave them a year of payments and chances to fix the situation, of which they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed the following hard inquiries. I never filled out an application for credit and upon doing my research I noticed that this is a violation of the Fair Credit Reporting Act. 
This Act states that the only reason to pull an individual 's credit is for the following reasons : 1. A firm offer of credit 2. Insurance 3. Application for employment 4. A Court Order The following hard inquiries are not related to any of the following, I have never given these companies permission to use or have my personal information. If you refuse to remove these hard inquiries, I will move forward and ask for legal verification which would include ; the name and title of the person who pulled my credit, date they purport that I gave permission to have my credit pulled, the method they purport that I gave permission to run my credit. Please include documentation of said permission. If you can not provide me with this information, remove these incorrect hard inquiries from my credit file as soon as possible. I have attached my police report to this dispute.
Product: Checking or savings account

I had a checking account with First Bank Puerto Rico. I used the checking account for emergencies and when I had unexpected expenses. I have another account with another bank for daily use and to pay bills. On the last days of XXXX, I tried to use the ATM and it declined. When I returned home I noticed that the account balance was negative. I went to the bank for instruction on how I can fill a claim. One of the official told me to write a explanation of the situation and to include the statements highlighting the retirements that I did not recognize. The same day I returned to the bank with the required documentation. The official send the documents by internet to the bank customer service department. She told me that within 10 days I should receive and answer from the bank in addition to freeze the check account. I authorized to freeze the account. I waited for about 20 days and collect customer service because I had no received any notification from the bank. The operator told me that claim department concluded that my claim was not valid. I went to the bank again and asked for an explanation of the customer service decision. The official through the clerk notified that she can not help me without a resolution number. I made may self clear that the bank never sent me a notification. With that response I decided to wrote another letter and I sent it to customer service. After some time and without any news of the bank, I called customer service and the operator suggested me to open a reconsideration case. I also tried to access the account thought the internet and the bank closed the account. Until today, I have not receive any official document. The amount retired from my account in seven months is more than $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX has tarnished incorrect information To all three credit bureaus that has ruined my credit by 55 points I was in rolled on the program for over a year and has done very well on the program. XXXX XXXX  Hardship DEPARTMENT extended my Hardship program for an additional three months only. My payment amount went from $ XXXX {$30.00} for the for the last three months of the program. My last payment of XX/XX/XXXX was for {$35.00} and was paid before XX/XX/XXXX which is the due date. XXXX payment wasPaid on XX/XX/XXXX XXXX go do on the XXXX. This does not constitute a 30 day late payment be that XX/XX/XXXX was paid on time. 

I have encountered very rude service agents That have done nothing but compound the issue and not have tried to resolve the issue. I feel as though this is discriminatory due to my age and my ethnicity. The agents need to ensure that card holders are making the correct amount payments. Agents have access to the most accurate in recent information on cardholders accounts I feel like the year into three months that I have been on this hardship program has been wasted by this incorrect reporting that this company has provided to all three credit bureaus
Product: Credit card or prepaid card

Credit card company is committing fraud. I paid off this account and closed it months ago. The bank is rude and refuses to go back and listen to recording when account was closed. The bank is charging me late fees and turning it into credit bureau. I owe nothing to this bank that is committing fraud against me
Product: Credit card or prepaid card

with perfect payment history Synchrony bank closed XXXX accounts ive had for years without warning and would not provide an answer when i contacted them. this has caused a XXXX point Credit drop. i am currently about to leave military after XXXX years of service. this Credit impact will cause severe issues with getting a home. there was no credit report changes before their decision and i had no opportunity to appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are guilty of violating my consumer rights and violating F.C.R.A. rules and regulations on several counts. I did file for BK back in XX/XX/2009 which was a chapter XXXX.. However these 2 bureaus are reporting a chapter XXXX and stating they will report it for 10 years ... this is a violation. 
I disputed with them only to receive a computer generated statement saying they verified with the provider the information is correct. I called both bureaus who told me to contact court. COURT CONFIRMED IN WRITING THEY DO NO REPORT, VERIFY OR VALIDATE ANYTHING WITH CREDIT REPORTING AGENCIES ( see attached ) so it is LIE!!!! Then I disputed and called again and was told they get this info from XXXX XXXX. I contacted XXXX and received in writing statement that they did NOT get any response from the bureaus and did NOT get any requests for verification and validation ... SO EFX AND XXXX LIED ON ALL DISPUTE RESPONSES SEVERAL TIMES ... THIS IS PUNITABLE BEHAVIOR AND I WILL COMPLAIN TO FTC AND ATTORNEY GENERAL 'S OFFICE IF THESE ARE NOT RESOLVED AND REMOVED