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

My credit report was accessed by someone attempting to open a fraudulent credit account ... .... XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD ), after contacting TransUnion for my credit information The inquiry caused my current XXXX Card to send me a fraud alert ( which we did sign up for several years ago ). I contacted XXXX XXXX and got the information about the inquiry through TransUnion. XXXX operates through XXXX. I had placed a security freeze through XXXX after a fraudulent credit card attempt using them over two years. 

The XXXX XXXX fraud alert services and the XXXX freeze allowed me to observe this latest fraud attempt... .they also recommend freezing credit through other agencies and filing a fraud report to the FTC XXXX 

I now plan to freeze my credit through TransUnion and XXXX but also found out in this process that many other consumer reporting agencies exist like XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX  that participate in offering or selling credit information for any and all credit inquiries as well ... ... .I believe a security alert/ credit freeze due to fraud for one institution should be issued for all agencies simultaneously ... ... .and maybe these agencies could more diligent in safe guarding consumer information without placing the burden on the consumers themselves. 

Additionally, the USPS also contacted me with a change of address request that I did not make.

I had to go through many steps to acknowledge and cancel the request through the USPS. I believe the Identity thieves are using USPS change of address request forms in a series of steps to steal consumer identities through the many credit companies and issue fraudulent credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. Equifax and XXXX should not be reporting that I am ( 90 ) days late on the XXXX partial account number XXXX ; Equifax and XXXX  should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX ; Equifax should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX ; and lastly XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. Every one of these accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time we are contacting you about a car loan we paid off in XX/XX/1922 XXXX XXXX XXXX via our bank account at XXXX XXXX XXXX. The situation was resolved with us making a new payment having received a refund of the original payment. We have the title of the car. Our balance on XXXX XXXX finance shows XXXX. And yet we are receiving reports from equifax that our credit score has dropped to XXXX + points And then we are past due again.We have spent hours on the phone with XXXX XXXX XXXX, XXXX XXXX XXXX, And all the credit bureaus to resolve this the first time. I am now spinning additional time on this a second time. The car is and has been paid off for months. At this point I believe XXXX XXXX financial services needs to be penalized in a financial way. Their assurances to me over the phone that this is all been corrected are obviously not the truth.I have paid and re-paid the balance on this car. This was an early payoff, that has cost me a huge amount of time and trouble. I work for a XXXX XXXX company. The CFPB able to fine the XXXX XXXX XXXX for XXXX of XXXX for this kind of behavior. I expect XXXX XXXX finance to be held to the same standard.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX XXXX. I am writing to have the following information that appears in my credit report deleted. There are addresses and names reporting to my report that are incorrect and nor do not belong to me. The items I need to remove are listed in the report below. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I urgently request that the following items listed be removed as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TODAY DATE XXXX I HAVE JUST PULLED MY CONSUMER REPORT FROM TELETRACK  ( an equifax company ) On this report I see inaccurate personal information and other information 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  The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER IIA 1679c Quick search by citation : Title Section 15 U.S. Code 1679c - Disclosures U.S. Code Notes prev | next ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report.
Product: Credit reporting or other personal consumer reports

Now, I've found that the accounts have been reinstated on my credit report. If any data previously removed from a consumer 's record under subparagraph ( A ) is added back, the consumer reporting agency must inform the consumer in writing within five business days of the reinstatement. Alternatively, if authorized by the consumer, the agency may use any other available means for notification. Below are the list of accounts that reinstated iin my Credit report : 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: Credit card or prepaid card

I have one disputed charge first submitted in XX/XX/2018. Six months later, the issue has not been resolved. Fraudulent charge is still listed on my balance. Have requested escalation numerous times. Have been passed from dispute to fraud department in an endless loop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership to test-drive, not to buy. I told them what my budget was and that I would not purchase that day. The date was XX/XX/2019. The involved company ran several financing options and it created multiple hard inquiries on my XXXX, Equifax and other credit reports in which I did not consent to.
Product: Credit reporting or other personal consumer reports

After checking my most current credit report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account. XXXX XXXX XXXX account # : XXXX. 
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. 
This account is being reported open, and the date of last activity was XX/XX/year>. Also the date of last reporting XX/XX/year>, and it's CHARGED OFF. This is illegal. Please delete this account.
Product: Money transfer, virtual currency, or money service

I bought XXXX in the amount of {$340.00} on XX/XX/2023 with MoneyGram International and when I tried to sell my XXXX and pick it up at a store they blocked my account and said they would send me information in 60 days. I really need my money, this is an inconvenience to me and my family. I can not wait 60 days for money that is owed to me.
Product: Credit reporting or other personal consumer reports

I thought dealing with a tough economy was stressful, but then I took a look at my credit report, and it turns out thats a whole new level of frustration. The amount of inaccurate information I found is unbelievable, and its dragging my credit score down for no reason. Its exhausting trying to fix these errors, and honestly, if I needed to see a XXXX  for the stress, I couldnt even charge the session to my card without it getting declined because of these mistakes. All I want is for my report to reflect reality, not a string of errors that are making my life harder.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  or XXXX  is not letting me monitor my account which is a violation b/c of my id theft and been charged fees in the state of texas if youre a victim all fee 's are waived
Product: Credit reporting or other personal consumer reports

My account with 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 those account 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  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: Money transfer, virtual currency, or money service

Yesterday I reached out and spoke with XXXX who told me he was removing the late fees that I received after PayPal tried charging a closed account despite having both an updated banking account information as well as my credit card information. Because I continued to get emails about the late fees, I called again and spoke with XXXX XXXX XXXX ) who told me PayPal was unable to remove the fees. I asked why I was given different information yesterday but couldn't get an answer. There is no accountability. Both calls took place on a recorded line according to PayPal. I refuse to pay the late fees especially after XXXX told he was removing them. At this point, I would also like to close my PayPal account. Shouldn't there be notes from yesterday 's call?
Product: Student loan

Navient is my student loan servicer. They are not allocating my monthly payments appropriately to principal versus interest - my balance on loans is going up, and I make payments every month. 

I have tried to contact them via phone, and all numbers are disconnected. They have also locked me out of my online account. 

They continue to take payments from my bank account and will not communicate.
Product: Debt collection

Two attempts to reach out to ONE MAIN FINANCIAL to remove from my credit report and cease and desist on XX/XX/2022 and XX/XX/2022, both times failed to resolve. Requested ONE MAIN FINANCIAL to provide a binding contract of two signatures per law and if unable to immediately remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I requested my free TransUnion credit report via online and by mail which I have not received. On XX/XX/2018 I made a second request for my free credit report via mail from TransUnion which I have not received. On both occasions I provided the required proof of identity and residence.
Product: Money transfer, virtual currency, or money service

I made a purchase from a company called XXXX. Their product was completely misadvertised, and cost {$150.00}. I filed a dispute with my credit card company when the product arrived and I realized I had been scammed, and ultimately returned the item. 

All is clean on the credit card ; XXXX. 

Paypal, however, is showing money due to Paypal for {$150.00}. I don't use Paypal for anything and never hold a balance. 

Paypal strictly provides confidentiality of my credit card information ; that's it. 

Now Paypal has me locked up so I can't use the service, and won't let me close the account due to their claims I owe them {$150.00}, which I don't. 

I sent them a letter, and called, but they will not fix it.
Product: Debt collection

Hello, Thank you in advance for your time. Navient is the only debt collector calling about my private loans that I defaulted on. They call my father ( co-signer ), mother, grandparents, and XXXX aunts repeatedly. These calls are all going to their home phone. I asked Navient to stop calling. Navient calls my family from XXXX. Navient calls me from other numbers like XXXX. Can you make them stop? 

Thanks, XXXX
Product: Vehicle loan or lease

My XXXX  wanted a car. I did not want to do a traditional loan so I went to XXXX 's XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX, FL XXXX - ( XXXX ) XXXX. They do Buy Here, Pay Here car sales. We chose a XXXX  XXXX XXXX ( XXXX ) because the price was good. I do not remember the original asking price for the car. I gave my XXXX  XXXX {$1000.00} to put down on the car and I believe his mother my ex-wife gave him {$1000.00} as well. XXXX would be the person making regular payments. As he started the paperwork, they told me the car would need to be in my name because XXXX was XXXX XXXX XXXX. I was fine with that because it was buy here pay here and I asked if it would be on my credit or I would get any credit inquiries and was told no. So we went forward. XXXX was playing {$340.00} per month for the car. After about 8 months, XXXX told me that the place went out of business and XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX - ( XXXX ) XXXX was the company he was making payment to. A few more months go by and the car breaks down. XXXX begins making payments on another car and can't make the payments on that car. XXXX XXXX begins calling me. I asked him how much he owed and they said nearly {$4000.00}. They said that XXXX XXXX XXXX  sold them the debt months ago. I was never notified. I was in credit recovery mode so I DEFINITELY did not want an auto loan. I explained what I could to them and and paid enough to bring the car to current. I asked them the original price of the car, the downpayment and how much was paid before they got the loan. they said they did not have that information. They did send me what XXXX and I paid to them during the time They received the debt. I explianed that I would not pay any more because I have no idea how much was paid before they got the debt. The amount owed is currently {$3400.00}. I want Mid Atlantic Finance removed from my credit report and I would like them to supply me with the information about how much was paid before they got the debt, the downpayment amount and how much was being financed prior to Mid Atlantic receiving the debt.
Product: Mortgage

Freedom mortgage reported that I have a 30 day late payment for XX/XX/2020 for the amount of {$1500.00}. This payment is suppose to be in the forbearance that we were put in. They claim that I didnt put in for the forbearance in XXXX, but I did, I applied for the forbearance twice. Either way, we have been severely affected by Covid-19 and have been since the end of XXXX. I would hope and assume that a company as large as Freedom Mortgage would take the date of the hardship into consideration and not just imply that it stated in XXXX. Im requesting that they include XXXX into the Forbearance and delete the hit to our credit that it was 30 days late.
Product: Credit card

Hello, I am filing a complaint with the Consumer Financial Protection Bureau against Capital One because the bank has not cooperated with me. They have caused undue hardship for me. 

Between XXXX XXXX, XXXX and XXXX XXXX, I was overseas in a XXXX. At the time, I had closed my XXXX account and had no XXXX account to make an electronic payment to Capital One. In XXXX, I chatted with Capital One and attempted to make a payment. The representative gave me an ID payment number, however, when I went to a bank location in XXXX to try to make a payment, they said they do not work with Capital One and I was therefore unable to make a payment. I have also tried to call Capital One multiple times to resolve this issue, but international phone calls were extremely spotty at best. 

On XXXX XXXX, XXXX, I made a phone call to Capital One, having arrived back to the US, in an effort to make an electronic payment to my credit cards. The representative at first said I would make a payment of {$48.00} and that would have been satisfactory until the XXXX, which is when I get my paycheck to pay off the rest. Then, the representative said I was 120 days late and Capital One would lock my account. The representative was a bit " wishy-washy '' and was not specific. It caused me a great deal of confusion. There was no extension to work with my account issues and I was afraid even if I made a payment, the account would have been locked regardless.
Product: Checking or savings account

On XX/XX/23 I filed a dispute for a transaction in the amount of {$430.00}. My financial institution, Current, says they dont have to issue a provisional credit because my dispute isnt covered by Regulation E. I read that to qualify for Regulation E protection a transaction only has to meet 3 requirements : Be initiated electronically, instruct a debit or credit to an account, and involve a consumer account. I would like Current to immediately issue the provisional credit if they are going to take up to 90 days to resolve the dispute. Its incredibly inconsiderate of them to treat me like I dont matter.
Product: Credit reporting or other personal consumer reports

Credit karma says I am pre approved for loans to consolidate debt and each loan company denies me and my credit is ran and lowered.
Product: Credit card or prepaid card

upon pulling my credit i noticed i had a credit card from capital one bank # XXXX XXXXhat was opened fraudulently in my name XXXX only noticed cause i attempted to apply for credit card with your company and it said i had XXXX
Product: Vehicle loan or lease

On XX/XX/2018, I went to XXXX XXXX of XXXX XXXX Virginia and purchased a XXXX XXXX XXXX  for the sum of $ XXXXUSD. I signed a sales contract along with a co-signer on that date and left the dealership. 

Today, XX/XX/2018, I am being told by representatives XXXX and XXXX at XXXX that the bank has not yet approved the loan. XXXX presented himself as the Sales Director and claims the bank, Santander USA, will not process the loan without an additional $ XXXXUSD ( a full month after the sale was made ). 

I am told I can not speak to anyone at Santander USA as they refuse to deal directly with customers. This bank is behaving in a suspicious manner. If financing was approved on XX/XX/2018, how are they now allowed to ask for an additional $ XXXXUSD 30-days later? According to the dealership, my first payment is due on XX/XX/2018, but I have not heard from or received any billing notices from this supposed bank. I do not even have a loan number to reference. 

Lastly, I'm not sure that this bank should be allowed to operate within the United States if they can make up terms to contracts after the initial terms were agreed upon and a contract was signed.
Product: Credit card

I overpaid by over {$1300.00} my Sam 's credit card which is financed by Synchrony bank on XX/XX/2017. I have made multiple calls to the bank to get the overpayment refunded back to my account. The customer service person said they ca n't refund the money back to my account, but they ca send a check in 15 days. This money have been out of my account since XX/XX/XXXX, today is XX/XX/XXXX, why have n't I received my refund. This is unfair to the consumers because these banks take the money out of your accounts in seconds, but it takes weeks for the consumer to get their money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards.For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately