23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My Bank of America Credit Card was paid off in full at the end of XXXXXXXX XXXX XXXX  according to the current statement balance, so I was under impression everything is paid off and I don't owe anything to the Bank of America. To my surprise, I checked my account and XXXX weeks after I paid of my balance Bank of America charged me and Interest fee of {$210.00}. When I tried to call a representative she told me that their rule is that your balance have to be paid off for XXXX  months in a row. So basically BOA charged me Interest on {$0.00} balance. Completely illegal and predatory activity, that need to be prosecuted.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX {$4600.00} XX/XX/XXXX XXXX XXXXXXXX {$4800.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$380.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX {$370.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$23000.00} XX/XX/XXXX XXXX XXXX {$6700.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$19000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

The loan was paid off on XX/XX/2021. The company was overpaid by by {$31.00} ( refunded ). The company also received another over payment ( GAP Insurance Refund ) in the amount of {$990.00}. I have been told numerous times that this amount was already refunded and mailed back. I called multiple times requesting updates, but each time I get the run around and a different answer. I eventually escalated to a supervisor who was extremely rude and only frustrated me beyond words! This is a pandemic and Hyundai Motor Finance should know better. I could have used this refund to assist with my mortgage! They've been in receipt of this money for over a month now and have yet to refund. I have to call two additional times after today 's interaction just to get a proper escalation!
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 60 days straight with transunion 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that Credit Bureau has included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. 
1. The status is incorrect for the following account. Balance is wrong. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Date of opening account is wrong. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Debt collection

I signed up with the .001 % loan rehabilitation program with Financial Asset Management System ( FAMS ) and XXXX for my student loans. When I started the program I was told that my credit report would be updated after XXXX payments of {$250.00} per month to reflect the new rehabilitation program. In addition, I was told by the FAMS representative that my credit report status would be changed to in repayment after 3 monthly payments of {$250.00} each month. Financial Asset Management Systems misrepresented and flagrantly lied about my credit report being updated. I have made 4 monthly payments of {$250.00} and my credit report has not been updated. When I have asked FAMS about my credit report not having updated as of yet, I am told that they are " working on it. '' I was lied to in regards to my credit report status changing. In addition, I have never received a statement balance as to where my payments have been applied to, collection costs, fees, and current interest rate on my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXXXXXX XX/XX/2022 ; XXXX  XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my account and multiple attempts to dispute with XXXX  Westlake Financial continues to report inaccurate inquiries on credit file
Product: Payday loan, title loan, or personal loan

Appears to not be a licensed lender for the State of Nevada but doing USPS mailings and performing high interest loans. Tried to have me use a credit/debit card for payments using a payment processor outside the USA for  a higher fee. Refused to stop an ACH withdrawal
Product: Credit reporting, credit repair services, or other personal consumer reports

Nordstrom agreed to remove this account from all three credit bureaus after personal Check cleared the bank for payment. There is a written statement on the check which states if you cash the check you agree to XXXX this account out and remove from all three credit bureaus. Nordstrom deposited and cash that check so they agreed to the terms of written statement on the check. If Nordstrom account is not removed I will take them to court for not adhering to the statement on back of the check. I made copies and Im sure they can verify that as well. Nordstrom had 10 days to have this account removed. I spoke with the court house I can actually sue for the check amount and for punitive damages and I will if this account is not removed immediately.
Product: Vehicle loan or lease

I have a do not call on file with Westlake Financial Services. I paid my XXXX payment on XX/XX/2020 at XXXX. Westlake called me at XXXX REFUSING to give their company name and said they needed to talk to me. I repeatedly asked who it is and the guy REFUSED to tell me the company name. After XXXX  the number I found out it is Westlake Financial Services. I am on their DO NOT CALL list, which I have it in writing. They can email me which I have received communications. Not working f/t because of COVID-19 only 20 hours a week has messed up my income. Then more collection calls to my cell phone -another violation-, of where the payment is and a {$30.00} late fee, which they refused to take off. I am not working full time people and need to pay rent and food. I have filed a complaint with the XXXX XXXX XXXX for the late fee. TELL THEM NOT TO CALL ME. EMAIL IS WORKING PERFECTLY.
Product: Credit card or prepaid card

I made a purchase with a XXXX on XX/XX/20. I used Paypal for safety. After the online transaction I suddenly noticed that the original cost differed form Paypal 's payment and that the receiver of my money was not the XXXX store, but a " XXXX ''? I immediately attempted to contact the merchant repeatedly, but could not. Therefore, I attempted to dispute the purchase with Paypal 's resolution center, but could not since this purchase was not listed on my activity page of Paypal. 
I was afraid of sever monetary loss from my bank account so I immediately cancelled the card and reported the suspected fraud the my bank " XXXX '', which the card is from. The bank investigated and denied the claim, and informed me that any documentation involved with this determination would be available. I requested it and have received none. 
I contacted them and reopened another claim after sending them my Paypal statement, and the merchant 's invoice hoping this would help since they did not get it from me on the first claim. However, this second claim was denied. I have removed close to a XXXX  XXXX dollars from this account since to be safe. The current invoice stated that the order is " processing '' and I have never received any item from this order. 
This loss is Paypal 's fault and I should not have needed to get my bank involve, had Paypal provide the service they are used for. They refuse to help me since I needed to get my bank involved as a last resort. 
I guess I have to except the loss, never use Paypal and find a new bank. Paypal should be the one being investigated for their inadequate operations. Isn't Paypal used to prevent these occurrences? Not walk away from a loss involving someone else 's money.
Product: Debt collection

After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness.

I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there may have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.
Product: Money transfer, virtual currency, or money service

Money was taking out my account due to scams & fraud
Product: Debt collection

This debt was a XXXX XXXX claim it happened on the job. The debt belongs to XXXX XXXX. This is not my debt! I have told all the people involved yet they are still trying to come after me for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in relation to CFPB XXXX. The information sent from XXXX  shows FRAUD. The information shown on my report shows someone was making payment after XX/XX/XXXX. No one was authorized to make any payments Nor did anyone tender payments to XXXX  on my behalf. 

Who was making payments in XXXX? 

You currently show this account as Charge-off with 60, 90, and 120 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You show Delinquency First Reported XX/XX/XXXX. If the last payment was an Insurance check for a totaled vehicle in XX/XX/XXXX. 

who was making payments after XX/XX/XXXX. 

This is fraud.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is absolutely unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently trying to purchase a home and noticed errors on credit report. Tried to resolve issue with credit reporting agency and they stated debt was valid, however i never received anything in writing confirming information.
Product: Mortgage

The va home loan guarantee for us is useless when if we dont meet stupid, outdated, and unrealistic credit score qualifications. I want to specifically mention the XXXX veterans on XXXX percent with and or with TPD status that cant qualify for anything because we make above the poverty levels, however no one takes into consideration that were also capped or limited to that barely over poverty level income due to or XXXX. So to compare my income and credit information or numbers to that of someone who has the option to make more. They may not want to but they at least have the option. We dont. I have tried with so many lenders and or agents and or brokers to get approved and I do hours of paperwork and proving I can more than afford a mortgage but as soon as my credit score is 549-620 I as a XXXX war veteran cant be helped and I never hear from anyone again.
Product: Debt collection

So-called creditor is in direct violation of FCRA, FDCPA.
Product: Debt collection

Why is it so hard to have my right of having a fair report? i have been reporting fraudulent accounts to experian and yet none of them got removed. Kindly remove these fraudulent accounts in compliance to FCRA : XXXX XXXX acc #. XXXX inquiry date. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX #. XXXX inquiry date. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX #. XXXX inquiry date. XX/XX/XXXX XXXX XXXX XXXX #. XXXX inquiry date. XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This is not my account you ; re violating my rights, no proof of validation has been submitted to me, XXXX  - XXXX - 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

XXXX - XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX - XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 5 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete.
Product: Student loan

BACK IN XXXX OF 2008 I SUBMITTED 2 COPIES OF MY POA TO SALLIE MAE. I WAS TRAVELLING IN AND OUT OF THE COUNTRY A LOT. THUS I WANTED MY MOTHER TO HAVE ACCESS TO MY STUDENT LOAN ACCOUNTS. TO ASK QUESTIONS, REQUEST DOCUMENTS FOR ME, MAKE PAYMENT, AND PROVIDE THEM WITH INFORMATION. WHILE TRAVELLING IN XXXX I RARELY HAD SERVICE AND WAS LATE ON A FEW PAYMENTS. THEY WOULD CALL MY HOUSE BUT WOULD NOT SPEAK WITH MY MOM. I PROVIDED THE POA AGAIN TO THEM VIA EMAIL AND FAX. THEY STILL WOULD N'T SPEAK WITH HER. CURRENTLY I SEND IN A COPY OF MY STANDING POA IN EVERY YEAR. SINCE THEY HAVE CHANGED TO XXXX I HAVE EXPERIENCE SIMILAR PROBLEMS. SOMETIMES THE PERSON WILL SAY YES WE HAVE IT ON FILE. OTHER TIMES THEY WILL SAY THEY NEVER GOT IT.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint to XACTUS regarding unauthorized inquiries reflected in my credit report. Upon reviewing my credit file, I noticed that several companies have accessed my credit report without my permission. These inquiries were made without my knowledge or consent, and I did not authorize any of these companies to review my credit history. As a result, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically the provision that requires a company to have a permissible purpose before accessing my credit information. I respectfully request an immediate investigation into these unauthorized inquiries and that the XACTUS will remove them from my report. I am also requesting that the companies responsible for these unauthorized inquiries provide documentation showing that they had the required consent or permissible purpose to access my credit file. I trust that your agency will take the necessary steps to address this violation and ensure my credit report is corrected in accordance with the FCRA.
Product: Debt collection

In XXXX XXXX I signed a lease agreement with XXXX in XXXX GA. My lease agreement contract XXXX was set to expire XXXX XXXX, XXXX. In XXXX of XXXX I informed XXXX that I would not be renewing my lease. I found a new apartment community, The XXXX XXXX XXXX XXXX XXXX in XXXX XXXX GA and began the application process. XXXX aspect of the application approval process involves verifying current and past landlords. XXXX faxed a landlord verification request form to XXXX. XXXX completed the form, noting that I was a " Great Resident! '' and faxed it back to XXXX. Upon receipt of the form from XXXX by XXXX, I was approved for the new apartment. I signed a new lease contract for XXXX XXXX on XXXX XXXX, XXXX. The second week of XXXX XXXX I went to the leasing office at The Domain to schedule an appointment date for an agent to do a walk though of my unit as the end of my lease XXXX XXXX XXXX, XXXX ) was approaching. It was THEN that I was informed that my lease did not expire until XXXX XXXX, XXXX and that the lease that I had signed actually had the wrong date. I told The Domain that I had already signed a new lease agreement with The XXXX and could not rescind it. A leasing agent presented me with the lease that I had previously signed with the XXXX XXXX, XXXX end date and also a new lease with the " corrected '' XXXX XXXX, XXXX date. The leasing agent for the XXXX then TOLD ME that she needed me to sign the new agreement with the " correct '' dates. I refused as I had already signed a new lease agreement with a new apartment community XXXX XXXX XXXX XXXX, collected the keys, paid a deposit and prorated rent. Two years later there is a debt on my credit report I am assuming for the additional two months that was on the other lease agreement that I did not sign. The collection agency for XXXX at XXXX XXXX is IQ Data International. I have disputed this with IQ Data. I have disputed with the credit bureaus as well- XXXX to no avail. 

Had XXXX informed me of THEIR ERROR prior to me signing a new lease agreement with XXXX I would have gladly waited the additional two months and signed the lease with the " correct dates '' with no problem. But such was not the case. I did everything that I was contractually obligated to do under my lease agreement with XXXX. I even stayed until the end of my lease agreement- the agreement that I had signed. 

I simply want the false debt for XXXX at XXXX and IQ Data International permanently REMOVED from all of my credit reports. This error is bound to hinder me with leasing in the future. This is grossly erroneous and unfair. 

I have a copy of my signed lease and I also have copies of the landlord verification request form that was completed by The Domain. I have called The Domain and they do not even have a record of me in their system let alone the documents to prove or justify this false debt. I called IQ Data International and they too have no verifiable information concerning this alleged debt. They are simply demanding that I pay or set up a payment arrangement with my checking account.
Product: Debt collection

I received a call from ( XXXX ) XXXX regarding an old debt back in XX/XX/XXXX-XX/XX/XXXX. The caller said this was a last attempt to find resolution and that my file was been sent to their legal department in my county the following morning for a judgement request. I was then transfer to someone by the name of XXXX XXXX who offered me to settle the claim or make payments overtime or face legal action within 24 hours. She made clear the file was in the process of legal action and only taking her options would stop that process. I asked for documentation in writing and she said they had sent a letter to previous addresses and to my address as well which I never received. As a matter of fact, it was the first time I had talked to these people. I asked for her phone number and she provided ( XXXX ) XXXX and she said her company name was premier holding and my case ID XXXX. I called the number back to get the address and verify dollar amount but the same lady kept transferring me to hold music then disconnect.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a debt on my credit report from XXXX XXXX for {$1200.00} and I paid this debt in full on XX/XX/2019 through the Sheriff 's   Department. I disputed this debt on my report with TransUnion and they found that this debt is still active. 

I have a copy of the paid receipt. I will supply if necessary, but I do not have it scanned in at this moment. I want this debt removed from my credit report. If it is not removed and my report is not repaired to take this debt off, I will be notifying my attorney.