23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I opened a XXXX XXXX XXXX card to help establish a good payment history. The advertisement claimed to raise your credit score after using for several months. I was required to deposit around XXXX to the account/card and pay bills with the card only spending this amount. I had issues right away after depositing the required amount and the card not being honored or accepted at several companies... including my power company. I incurred late fees after using the specified routing number and the card getting rejected. I have screen shot images of the card being declined and this does not look good for my payment history with utility companies and my credit card company. As I was getting ready to post a payment to the chime builder card mid XXXX saw that the card was not in my accounts on the XXXX mobile app. I did some investigating and saw there was a delinquent account posting on my credit report for XXXX. I was very upset because I do not have any past due or delinquent reporting on my credit report. The negative hit caused a XXXX point decrease in my credit score. I called Chime several times and I was informed the situation would be rectified and I would see the adjustment on my report. It is important that I share I am a survivor of Hurricane Helene. I was with out power, water, internet starting XXXX XXXX 2024. This lasted for nearly one month. I am very stressed with the devastation in my area and I need my credit score to be at a level to purchase a new home after the storm. On XX/XX/XXXX XXXX posted the account delinquent again after all the phone calls and promises of fixing the problem. I have only one credit card with XXXX XXXX that I am making payments on. The account is in good standing. I have no intention of calling XXXX bank again to have to speak with 4 separate departments outsourced to other countries and still not have the problem dealt with. I do have record of my monthly payments to the XXXX XXXX builder card. I am planning to cancel my account entirely which includes checking and savings account.
Product: Vehicle loan or lease

Byrider Financ, LLC XXXX XXXX XXXX. 
XXXX, OH XXXX On XX/XX/XXXX I purchased a XXXX XXXX XXXX from the above company, with the understanding that I was buying it at fair market value, But 3 years 7 months later they still say theis is close to {$3500.00} still owed on the car and I've been paying {$170.00} every two weeks since the loan was taken out, On XX/XX/XXXX They repossessed the car they financed On XX/XX/XXXX I paid what was owed at the time of the repossession plus two weeks in the amount of {$1000.00}. 

After the money was received I was given a phone number of a towing company which would not take my call saying their lot closed at XXXX XXXX XXXX. So I have been unable to contact the lot where the car is suppose to be. 

They sent me a receipt for the payment on XX/XX/XXXX, stating that it would be at least 7 days for the car to be returned. That was in order for them to put a tracing device on the car so they can keep track of where the car is. I am pretty sure that they already had a tracing device on the car or how would they have known where the car was when they repossessed This was my only way back and forth to work and I have had to rely on someone to get me back and forth to work for the past three weeks. 

They did not give any for warning they were going to come and get the or I would have removed several items of importance to me from the car. 

Then on Monday, XX/XX/XXXX they e-mailed me to let me know that a payment was due on XX/XX/XXXX. I feel that this was very inappropriate as the car is not in my possession yet they want a payment.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXXXXXX Balance : {$120.00}
Product: Mortgage

On XX/XX/XXXX received a telephone call from XXXX collection agent, XXXX # XXXX. She stated that I need to make a payment towards my mortgage and it was delinquent 15 months. First I told her that I was not delinquent 15 months as 3 months have not been credit to my account from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and further I was under review of a modification that was fully submitted on XX/XX/XXXX and waiting for a decision within 30 days. In a condescending tone, she stated that my modification was not guaranteed and my payment can go up. She further stated that since I was not making a payment I must not be able to show the bank that I am able to afford the house and therefore she is noted my account that I need to look into other types of programs such as deed in lieu. I told her that I was not going to be threatened by her and to speak to my Point of Contact. I was on hold for over 30 minutes and then hung up and called back 2 more times with no success. I contacted the HUD Department and waiting to hear back from them before next week.
Product: Debt or credit management

Was charged unauthorized payments and I gave my information and then someone hacked my bank account
Product: Debt collection

This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX  XXXX XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with LVNV FUNDING LLC. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). LVNV FUNDING LLC can not and will not ever produce a contract between me XXXX XXXX and LVNV FUNDING LLC because that contract does not exist.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of XXXX XXXX. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Product: Checking or savings account

I have a credit card with navy Federal credit Union and it my card payment is late they just take the money from my checking account without my consent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, this company has violated my rights. 
15 USC Section 1681 Section 602 states that I have the right to privacy.

15 USC Section 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B states ; A creditor can not consider a payment late unless they have reasonable procedures to ensure that the periodic statement is mailed or delivered to the consumer at least 21 days before the due date. 

This company has failed to provide verification that l was late : XXXX Pay Line of Credit I was never late on this account. 

XXXX XXXX I was never late on this account. 

XXXX XXXX I was never late on this account. 
2 bureaus says I was on time and 1 is reporting inaccurate information which is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regard to incorrect late payment status they have been reporting to several credit bureaus. Ive tried rectifying this matter through them but have been unsuccessful as they continue to incorrectly report the information. Specifically, they continue to report that my final monthly payment on my auto lease was XXXX days past due. This is XXXX XXXX false. 

The lease period ended on XX/XX/XXXX. The vehicle was returned on XX/XX/XXXX. All payments for the duration of the term were made through their web portal. For whatever reason they did not process this web portal final payment until XX/XX/XXXX, even though I made the payment in early XX/XX/XXXX. The reason they did this is not knownmaybe their web portal was not operating properly, maybe their staff was unavailable during the holiday season, maybe they simply didnt get to it until the first XXXX back after the new year, which conveniently coincided with the lease end date of my vehicle. I also notice on the payment history that the transaction amounts of {$12000.00} was entered on that date as well as a refund AND payment applied of {$290.00}, so clearly someone there was messing with the numbers of payments that coincided with the exact date of me returning the vehicle. 

In any case I am requesting they immediately stop reporting that this payment was late to any and all credit bureaus. In the entirety of this loan this account was NEVER XXXX  days past due, certainly not the final payment I made in XX/XX/XXXX. I have nevernot once been past due on any credit account I have ever owned. 

As you can see from the attachment, they applied the XXXX payment I made in XXXX AFTER the fact on the exact date I turned the car in physically. They dated it the XXXX ( same day ) then did some sort of refund... then added it back on. Someone screwed up and they were trying to get all the $ numbers to line up.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I have a balance with Paypal Credit. This account is my account alone and not a joint account. Paypal contacted my wife and divulged all the inofromation about the account to her. They have violated my privacy by revealing all of the information to my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is willingly and knowingly transmitting fraudulent information regarding my credit profile. XXXX XXXX XXXX claims I owe their company {$450.00}. This account is not mine and is a result of identity theft. I have notified the creditor directly and the credit bureau, however, both have failed to act accordingly.
Product: Credit card or prepaid card

There were accounts trying to be opened in my name for US Bank, XXXX  XXXX XXXX and XXXX XXXX. It looks like some of the mail may be fraud.
Product: Mortgage

WSFS will not apply a principal only payment as instructed over numerous messages since the date of the payment at the end of XXXX. They are also not applying full payments to my account as of the day they come in. 

Screenshots supporting all of the details below will be attached : Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Principal only payment of {$230.00} delivered on XX/XX/19 but not processed until XX/XX/19 and was NOT processed as principal only. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but will not processed until XX/XX/19. 

WSFS loan statement dated XX/XX/2019 is missing the payment delivered on XX/XX/19 for my regular XX/XX/XXXX payment. 

Message detail will be attached for the following : First message send by me on XX/XX/2019. Follow-up message sent by me on XX/XX/2019. Automated response by the company onXX/XX/2019. Another follow-up message sent by me on XX/XX/2019. First  response by the company on XX/XX/2019 in which they stated they could not find XX/XX/2019 payment. Follow-up sent by me on XX/XX/2019 stating it would be the payment they had processed on XX/XX/19 that should be principal only. And that the payment they had processed on XX/XX/19 should be for my XX/XX/XXXX payment. Another follow-up sent by me on XX/XX/2019 again requesting that my payments be corrected. Yet another follow-up by me on XX/XX/2019. Company responded on XX/XX/2019 stating that all payments are held until the actual due date and additional payments for principal only need to be made manually by me. Response by me this morning on XX/XX/2019 is that I do not understand what manual payments are and that my XX/XX/19 still needs to be corrected to principal only and all subsequent  payments correctly updated.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Accounts : 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 reporting, credit repair services, or other personal consumer reports

Capital One  did n't replying in a timely manner to my initial letter on   XXXX  , or have they to date after 4 certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA  807. False or misleading representations [ 15 USC 1962e ]  As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action  ( or  in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am have a pending lawsuit against  XXXX ,  XXXX  &  XXXX  for not investigating nor responding to me as well, and taking no action when  Capital one  did not reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is incorrectly reporting a " XXXX XXXX '' account on my credit report. According to my credit, it was opened in XXXX XXXX for a debt of {$1300.00}. The account number is : " XXXX ''. I have never had any business dealings with this collection company. I do n't know who they are or why the credit bureau is reporting that I have a debt with them. This is not the first time I have disputed this account, I have sent written disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get this removed but time after time, the credit bureau has dismissed my disputes as frivolous and they refuse to remove this from my credit. I want to add that XXXX has no record of this account. When I sent the same dispute, it was confirmed that the account did not belong to me and was promptly deleted. How can there be a different result for the same investigation between XXXX and this credit bureau? This does not make sense. This is why I am taking my complaint to the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of account on my credit report. Upon contacting the company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX I learned AES ( XXXX XXXX XXXX ) reported my student loan account XXXX days late, yet they also reported it as " Pays as Agrees ''. I immediately called AES to find out why they falsely reported my account as being late causing my credit score to drop by over 100 points. I filled out 3 disputes with AES and have been in constant communication with them for the last 13 months to have them fix my account. They it corrected through XXXX, but not XXXX. 

AES agrees I have never been late, yet they are giving me the run around and havent fix my credit report. They provided me with an email indicating Ive never been late and am actually 4 months ahead on my payments. On XX/XX/XXXX XXXX XXXX # XXXX said she was able to update my account showing everything is current and I was never late. She advised me that it would take 30-45 to show up on my XXXX  credit report. I called on XX/XX/XXXX and spoke to XXXX XXXX # XXXX and she verified everything was current and updated. 

I applied for a loan on XX/XX/XXXX and was told I didn't qualify for the best interest rate because my XXXX credit score was low showing I was 90 days late for two months on my student loan. I have been trying to resolve this for 13 months and am beyond frustrated. AES is requesting that I fill out more paperwork. I've done this 3 times already. Doing the same thing over and over again and expecting a different result is insanity. How can a financial institution be allowed to mess up my credit for over 13 months causing me to pay higher interest and not have to fix it? This should be illegal and AES should be held accountable and at the very least they should fix my XXXX  credit report. Please have them correct this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an old close, settled and removed XXXX  XXXX account was Re-inserted on my Equifax Credit Report. That account was on XX/XX/XXXX and XXXX XXXX had sold the account to a collection company without report that to the credit bureaus which illegal by the FCRA and the FDCPA. Fast forward XX/XX/XXXX when i contacted XXXX XXXX concerning that account they had told that they wasn't holding the account anymore and had referred me to a collection company named XXXX XXXX XXXX. On XX/XX/XXXX i had got in touch with the collection company " XXXX XXXX XXXX '' and they had offered me settlement deal for an amount less than the charge-off amount. The original charge off amount was {$210.00} and the collection company had accepted {$89.00} from me in exchange to settle the account and remove the account from all the credit. As a pay for deletion settlement After i had received my confirmation letter from the collection company in about 2 weeks after my payment i notified Equifax about the settlement via a dispute. On XX/XX/XXXX that XXXX  XXXX account was removed from my Equifax credit file On XXXX XXXX without my consent, my knowledge, my agreement nor my signature that same old closed, settled, and removed account was illegally and unlawfully reported and RE-INSERETED on my Equifax credit report with inaccurate address, inaccurate status date, inaccurate payment status, inaccurate past due amount, and inaccurate balance. Due to the Re-insertion of this inaccurate account on my credit report XXXX  XXXX has violate my RIGHTS, DEFAMATE MY CHARACTER in the eyes of other lenders and financial institution and also has damaged my credit because my credit score had drop drastically by 75 point. and now my credit score went from VERY GOO to FAIR.