23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I could not continue making payments to XXXX XXXX XXXX XXXX XXXX NE XXXX in XXXX XXXX. I called them and made arrangements for the vehicle to be returned. XXXX XXXX XXXX reported a " charge off '' of {$11000.00} to Experian. XXXX then sold the debt to a third party ( XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. ) In XXXX XXXX I contacted XXXX to pay off the debt. XXXX referred me to a third party collector XXXX XXXX XXXX ( XXXX ). I contacted XXXX and we agreed upon {$7700.00} to settle the debt, and I overnight mailed XXXX a cashier 's check. 

Now the problem : I obtained copies of my credit reports from all XXXX credit bureaus and the debt remains showing as a " charge off. '' XXXX says they wo n't report this account as " paid '' to Experian, that it is XXXX 's responsibility even though XXXX is mentioned on the credit report under XXXX 's Name. XXXX says they wo n't change the status. I have disputed it with Experian three times and submitted proof of settlement and payment, but Experian refuses to accurately update the credit report. 

I submit that : one, when XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX, the debt ceased to be a charge off and that XXXX should have changed to status from " charge off '' to " debt sold '' ; two, once XXXX was informed by XXXX that the debt was paid/settled, that XXXX must change the status on the credit report to " paid/settlement '' ; three, that since proof of payment has been provided to Experian three times and that this inaccurate information on my credit report has been disputed three times ( and that XXXX and XXXX both acknowledge that the debt is paid, ) that Experian must change the credit report status from " charge off '' to " paid '' or " settlement. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having difficulties with buying a house and applying for new credit cards. I paid the collection ACCOUNTS RECEIVABLE, Reported : XXXX. XXXX, XXXX  and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In review of my credit report I have unauthorized and unrecognizable inquiries. I have contacted Transunion several times to have these unauthorized and unrecognizable inquiries remove, but Transunion refuses to remove and update my credit report accurately. I have listed the unauthorized and unrecognizable inquiries below on my Transunion report : Inquiry Date Company XX/XX/XXXXXXXX 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

Repeated attempts have been made to contact and give information about a supposed debt to family, friends and coworkers after asking for no contact. Also threatened legal action with no documentation to back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 
The following Inquiries are Fraudulent : XXXX. XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : **** Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/2021 Please remove it from my credit report. 

XXXX. XXXX XXXX Inquiry Date : XX/XX/2021 Please remove it from my credit report PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS These company are committing fraud and illegal activity under FCRA 609 by fraudulently and illegibly and unethically on ALL my credit reports.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$27000.00} OFFICE OF THE ATTY GEN XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$6.00} XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$27000.00}
Product: Credit reporting or other personal consumer reports

My account 's been in Lost mitigation status for the last on and off year my credit report has been reported with the mortgage being late for about 7 months of that, they have used tactics of not calling me following up with any of my issues acting like my last mitigation accounts been a problem for them although it's been approved every time. Treating me very poorly and then come to find out they're the ones who are being sued for a XXXX XXXXXXXX dollars because they released our personal information and mine was part of that, I literally can't ask for anything from them their demeanor changes as soon as I get on the phone they're rude I'm helpful and now they just sold my mortgage so before it gets old I need this corrected and so they will not work with me with anything. I followed all my obligations with them I've had to upload my applications multiple times and they say they didn't get anything although they definitely have and they've just literally done anything to make this process difficult and impossible.

The last 6 months have been reported late they also have my balance at {$230000.00} which is when I bought the loan and even with my most recent Snapchat of the account which I'll provide because their statements aren't correct either my balance is at {$220000.00} so it's also adversely for affecting on my credit report that way as well causing me issues to obtain a vehicle on which is much needed at this point, I've already worked very hard to get a well-paying job again after dealing with lies and deception from the post office falsifying documents in my employment case, then worked for you XXXX they discriminated against me my lost it's almost complete on them then I work for XXXX that lawsuits pending and almost complete as well and then I currently work for XXXX and finally a new lawsuit this continues to happen to me because I'm a person with integrity and when I speak about it to people that don't have it did you very unhanded things to me putting me in these shoes, and again places like XXXX XXXX who do the same thing because they can't believe that somebody I know there's very few of us out there are good people.
Product: Checking or savings account

Good Day Bank of America:XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX, corporate office and the CFPB. 
I went to the above Bank of America facility to change my ATM card pin, because I had not used it in a while. So I had forgotten it. A young Lady an entrance desk greeted me and said she could help me change the pin and ask for the debt card and my drivers license, I gave her. She started tapping her stand screen and said my account was locked and she could not change the pin. But kept tapping the screen of what appeared my account even after she gave me my cardsback. I said OK I will go unlock it and come back, which I did. The second time she said she could help me after finishing with someone ahead of me. She was done with them after I had sat and then said sorry I can not help you after the wait, a banker could, then he said it would be a while too. I was frustrated and said you should have just said you could not help me after helping the nonXXXX customers. I drove to another Bank of America the same day XX/XX/2021. Got a person in the other bank to change it and went to the outside teller and made a deposit. The XXXX  bank had bad customer service and wasted my time. Also, you may want to check on bank fraud related to persons whoso not use there bank access as often. There may be a connection to fraud and misuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

XXXX XXXX XXXX # XXXX is reporting inaccurate information to my Equifax credit report. I have contacted both to launch an investigation on numerous occasions, most recently on XX/XX/2023, but I have not received any information on the investigation. This is a violation according to the law listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a very simple complaint. I am disputing accounts on my credit report that do not belong to me or I believe are erroneous. I did so well over 30 days ago and I have not received any notification from anybody. I thought I already submitted a complaint through you but for some reason I haven't received a response yet. I will chalk it up to user error but I am wanting to file this complaint again just in case. 

This goes against all three credit bureaus. My disputes were submitted on XX/XX/XXXX then XX/XX/XXXX and nothing. If I don't get a response soon I will have to sue.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite have sufficient funds when transactions were authorized. I was charge fees due to lagged posting of charges and credit. This issue aligns with recent CFPB finding against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

I made some large purchases and then suddenly the bank closed my account so I can't redeem the cash back anymore. I should be getting {$350.00} cash back from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX when the account was originally delinquent, then closed over 7 or 8 years ago I believe. The reason that I am not sure of the date is because I thought it was resolved until another collection company popped up, then another, and another, then the account was somehow reopened. I paid them and had closed out the account so I was confused by this. Now they have another collection agency saying it open and under 2 years old which is absurd and ruining my credit on equifax, which always has a problem with their website when I try to dispute, I requested forms which I never got, none of the other agencies report this. It is killing my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI THERE U.S.A./XXXX ; GREETINGS OF THE DAY!!! 

MY PAN NUMBER IS - XXXX IN XXXX. MY MOBILE NUMBER IS XXXX XXXX IN XXXX. I CAN'T GET MY CREDIT SCORE OR REPORT IN XXXX SINCE ... .. I DON'T KNOW XXXX CRIDIT SCORES/REPORTS WERE BORN HERE IN XXXX. HELP. 

THANKS & REGARDS XXXX XXXX XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a XXXX Dealership to see if I could trade my vechicle in and I ask them not to run my credit if they wasn't able to put me in something I was re-assured that they didn't need to. I didn't know they still ran my credit without my consent until I decided to pull my credit report to see what was on it, only to find out that they ran my credit and that it had been ran 15 times for diffrent things by them I had never used my credit for anything or had it ran. I reported this situation several times with no results. I am requesting for all these Inquiries to be removed asap because I wasn't aware of them and they was added fraudently without my consent. I have listed all the inquries below that I would like to be removed from my account asap. Thank you XXXX XXXX XXXX XXXX  CXXXX XXXX, XXXX XXXX Bank, XXXX Bank XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Major XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 3 collections that was on my credit report. Within that month I decided to buy a house so I called XXXX  and XXXX  on XX/XX/19 to stop my disputes. It's been over 3 months and the dispute are still showing up on my credit. It's now XX/XX/19 my score dropped because every time my credit gets pulled for my loan the disputes show up. Today I called the debt collector Caine & Weiner Co and they told me either pay my debt or submit info about my dispute. I don't want to continue I want to stop any disputes.
Product: Debt collection

This debt is owed by the other i payextra child support every month to not have XXXX XXXX XXXX on my health insurance and I am turned into collections regardless
Product: Debt collection

The calls started recently. I defaulted out of my payment plan of $ XXXXmonth due to a stolen debit card, which is where the payments were deducted. I took out an emergency loan of {$320.00} back in XXXX of 2019. I was told that my balance was {$610.00} which is a 52.78 % interest rate. The representative, XXXX XXXX at extension XXXX has been calling me and talking to me in a forceful way and threatening legal action against me such as XXXX wage garnishments, never deducted the payments that were already deducted. ( I no longer work with XXXX. ) Mr XXXX has been so forceful in tone and language, I can barely stay on the phone with him to negotiate the settlement. Also, I was given an ultimatum of wage garnishments or biweekly payments of around {$70.00} for 3 months at a {$400.00} settlement. The settlement should be lower since Ive already made payments. Ive seen many people with {$4500.00} to {$10000.00} loans get treated with more respect. I called on Wednesday because I actually would like to remove this toxic debt. I still received a XXXX XXXX
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX, XXXX  XXXX XXXX, and XXXX  XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX For some reason I did dispute an incorrect credit usage and you guys instead to fix the issue reporting the correct amount on my credit card delete my card from my credit and I do not know why you guys did that? I need the report of my XXXX CARD back to my credit report including TransUnion. 

Please I hope that you guys can help me with this situation my credit decrease 69 points!! Its not fear I have been working so hard on my credit. 

Warm regards,
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I purchased a mattress and adjustable base from XXXX 's online. It was financed by American First Finance. On XXXX XXXX, I received and email from the delivery company ( XXXX XXXX XXXX ) stating that they will be delivering the merchandise on XX/XX/XXXX. With less than 24 hours notice of delivery, I called the delivery company to asked if I can reschedule and was told that there's a 2 week waiting for reschedules. I decided I will take time off from work to be home for the delivery. I was contacted by the XXXX XXXX at around XXXX on XX/XX/XXXX to let me know the delivery will be at my location in XXXX. I waiting until XXXX then called them when the driver never showed up at XXXX and was told that he had other deliveries but should be there later in the day. When the driver eventually showed up after XXXX, he said that he was by himself and could not bring the mechandise upstairs because it was too heavy, although I paid for in-room delivery, open and inspect the product he said he could not do that. I refused the delivery as I live alone and had no idea how I would get the merchandise to the assigned room up one flight of stairs. I called XXXX 's who said they can't cancel the order until I paid $ XXXX for thr returned merchandise. I then called American First Finance who approved the financing for the merchandize who is now saying that they can not cancel my lease until the store cancels the purchase. I was contact again by XXXX 's demanding that I pay for the return of the delivery by debit or credit credit card in the amount of $ XXXX despite the fact that I do not have the merchandise due tot he unwillingness of the driver to delivery the merchandise per the added amount of {$110.00} to deliver in the room of my choice. On XX/XX/XXXX I contacted my bank to stop all future payment and explained that I did not have the merchandise and that the finance company is refusing to cancel my lease. Today XX/XX/XXXX I received a payment schedule from First American Finance that my next payment is due on XX/XX/XXXX despite the fact that I do not have the merchandise
Product: Debt collection

I do not recognize the debt associated with WORLD ACCEPTANCE CORPORATION that appears on my XXXX XXXX report. I demand verification of the alleged debt from WORLD ACCEPTANCE CORPORATION. An agreement between my person XXXX XXXX XXXX XXXX and WORLD ACCEPTANCE CORPORATION bearing my wet ink signature. Upon verification of the alleged debt I will proceed with the administrative process in order to cancel/discharge the alleged debt of the alleged debt is verifiable. If the debt can not be verified with an agreement between XXXX XXXX XXXX XXXX bearing my wet ink signature I demand that XXXX delete the account for identity theft purposes because WORLD ACCEPTANCE CORPORATION accessed my consumer report without my authorization and attempted to force me to pay them an alleged debt under the threat of duress and coercion by reporting negative remarks to my consumer report. As well as TAX FRAUD because they report to account as charged off on my XXXX XXXX report, and if the debt is a false then they charged off a fake debt and this must be reported to the IRS technical support division.
Product: Other financial service

I have banked with Bank of Oklahoma for almost 30 years. About 10 years ago I opened a Representative Payee account for my mentally challenged daughter. I have now moved to XXXX from XXXX but my daughter chose to stay in XXXX. I pay all her bills by check or Visa debit card from XXXX. My daughter is capable of living by herself but she has issues with money. Social Security is aware of the situation as I have met with them and they have no issue with it. Last year I had some checks stolen. I called the manager of the branch I always have delt with. I spoke with the manager and he closed the account and opened a new one for me by phone. About 2 months ago I get a call for a new manager at that location. He tells my daughters account is frozen and I cant get to my daughters money to pay her bills. He said the Legal Dept says the account was set up wrong and they need proof of me being her representative payee. I told them that this account had replaced another account but they refused to even check the old account. So I faxed XXXX-XXXX different papers because they kept saying they needed more. Then the manager told me that Legal Dept questioned whether I could take care of my daughter from XXXX. I told them that is not their business. I told them that social security had no problem with it. He kept arguing with me so I was so upset at being treated like this for a long term customer. I told him I have to have access to my daughters money now. I told him to close the account and mail me a check for the monies in the account. I opened an account for her in XXXX. It two weeks to get that money. I am XXXX and on a fixed income. This has caused a hardship for me and my daughter. Ive had to try to pay her bills out of my small fixed income. The stress of all this has made my health issues get really bad. I am also in the process of switching my personal account to another bank and will be closing that account also. I have always felt Bank of Oklahoma had awesome customer service that 's why I stayed with them all these years. But obviously that is not true..
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau 's are reporting incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

0n XX/XX/22 there as a hard inquiry for a loan by an agency in XXXX XXXX called Personify which I did not solicit or requested. 
When i XXXX searched the firm and checked my credit core I got an XXXX number. I called and its an automated line asking for your last 4 digits of your social and birthdate. I refuse to give this information to get to a live person. 
Below is the info from the Credit report : Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose WRITTEN AUTHORIZATION
Product: Debt collection

I was in the process of trying to get a condominium when I notice a new negative account appear on my credit report the name of the company is enhance recovery company llc a company I have never done business with before.

I did some research to find out who this company was and realize there are a lot of complaint against this company. So I wrote different letters and sent it to each of the leadership team members of the company 1. XXXX XXXX XXXX, Chief Compliance Officer 2. XXXX XXXX XXXX, Co-Founder/Exec. Chairman 3. XXXX XXXX XXXX, CFO 4. XXXX XXXX, CEO These letters was mailed certified mail with tracking. It was mailed XX/XX/2022 and it arrived at enhance recovery company llc facilities XX/XX/2022. 

To date I have not receive a response from them.