23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/2020 and XX/XX/2020 I made two payments in the amount of XXXX dollars both of which are XXXX over the amount due. On XX/XX/2020 Santander Consumer USA reversed both of the payments in their system, and reported to my credit that I was 80 days past due, and the payments were still taken out of my account but showed as not payed in theirs. When In fact I was three payments ahead. I called them to report this error, They admitted they had made a mistake and said that making payments ahead had messed up their system, they corrected this problem after having to call in multiple times, and messing up my credit entirely. Since this incident I have made multiple big payments the last of which was XXXX dollars none of which went to principal as you can see in the statements connected. I have now paid well over XXXX dollars on an original loan of XXXX and my loan amount still states that I owe XXXX dollars with a pay off amount of XXXX. I have inquired multiple times about the " misc '' fees added to my account in which they can not explain. I have also requested all my statements and transaction history in which they state they only have until XXXX XXXX and can not give me any previous to 2020 since they only keep a years worth of records. Every time I call in to ask why my payment isn't being allocated as they have stated in each call they give excuses and I again verify how my next payment will be allocated and each time I am assured it will go to principal and it never does. I have recorded the calls with this company and each time and told something that completely contradicts the last. I have spoken to the executive office probably over 40 times in the last two years and each time am assured its going to change or be corrected and nothing ever is. Again I have been paying this loan for well over two years and have even made payments of a XXXX dollars and always pay more than is due. To date I have paid over XXXX dollars and still owe XXXX to pay off. How is this possible?
Product: Debt collection

I am writing to formally dispute the inaccurate and misleading information contained on my credit report. As of XX/XX/year> WFBNA account number XXXX is report charged off/ written on my credit. I have not received a XXXX form. On XX/XX/year> I have contacted this company and on their end it is not in their system as a charge off. This is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Experian credit reporting as not been updating my credit report since XXXX of XXXX. I have reached out to them several times and been told they were going to fix it, and they have not for months. I've submitted complaints with you, and they still haven't fixed the issue. I've been denied several financial options because the refuse to report the updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not reporting accurate information as a result their inaccurate reporting is negative impact on my credit. 
XXXX XXXX has not updated my account with the credit bureaus since XX/XX/2021. 
I have called numerous times, it has been explained to me XXXX XXXX system was hacked but the issues they had has been resolved, they have not. 
I was in the process of buying a car and needed all my revolving accounts paid down, My car broke down and I am forced to rent paying {$300.00} a week. XXXX XXXX  reported me over the credit limit on XX/XX/2021, with a balance of {$800.00}. The balance currently reporting is NOT accurate. My current balance with XXXX XXXX is {$250.00}, I must have this corrected immediately.
Product: Bank account or service

This complaint is in regards to First Merit Bank, which is currently merging with XXXX. 

I 've had an ongoing issue with the bank, which continues to charge excessive overdraft fees and rearranges the withdrawals on my account to incur larger penalties. I 've asked to opt out of the overdraft program, but I was told I could not opt out of the overdraft program when direct debates are made on the account. An example of the questionable tactics First Merit uses can be seen in the latest dispute I had with the bank concerning transactions that took place on XXXX/XXXX/2016. At the time I had {$35.00} in my account, and XXXX transactions occurred that day. The transactions were as follows, {$2.00}, {$4.00}, {$9.00}, and {$50.00}. Regardless of the transaction times, First Merit applied the highest charge first, which immediately overdrafted the account creating a {$35.00} fee. Then they subsequently charged me an additional {$35.00} overdraft fee for each additional transaction that occurred, for a total of {$140.00} in fees on {$67.00} in total transactions. 

While I admit the error that occurred in scheduling the {$50.00} deduction from my account that lead to the overdraft, the fact that First Merit stacks their transactions in a way that advantageously creates the scenario where they are more likely to incur higher fees from customers is troubling. In the last year, due to a serious of unfortunate events that have left me on a tight operating budget, my situation has been further escalated by First Merit who has taken hundreds of dollars out of my account through these practices. While at first they admitted the unfairness of their system and refunded {$70.00} in charges, any subsequent inquires on my behalf have been met with the notion that, 'because I know their system is unfair, any request for recompense on my part is negligible. ' Please look into these unfair practice, as no doubt they are fleecing more of their customers than just me.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX DROPPED BY SCORE BY XXXX POINTS impacting my agility to qualify for loans. My total debt actuallywent down, not late payments, no justificaiton for this drop. 
Balance Increased XXXX XXXX XXXX XXXX account balance increased Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX XXXX credit card balance increased by {$7.00} from {$0.00} to {$7.00}. 

You're doing a great job! Even though your balance went up a bit, you're still using less than 10 % of your available credit, which makes your Credit Card Utilization rate Excellent. 
Balance Decreased XXXX XXXX XXXX account balance decreased Between XXXX XXXX XXXX  and XX/XX/2023, your XXXX XXXX XXXXK credit card balance decreased by {$45.00} from {$2100.00} to {$2000.00}. 

Nice work lowering your balance! Even though you're still using over 30 % of your card 's credit limit, you're on the right track. If possible, keep working toward getting your Credit Card Utilization rate to below 30 %.
Product: Credit card

I never made this electronic purchase using my phone, I reported it to Apple Credit Card Goldman Sachs Bank USA, I spoke with the seller, the XXXX {$440.00} company, and they told me that they couldn't give me information, but they told me that they bought the tickets but that no one had them. I used it, I told them that I had not bought anything with them, and that it was fraud, I asked them to show a signature of mine or a document that I had accepted or done this and they told me that I did not have it, the bank does not help me repay this and they told me they make the charge. By law, the bank must show that I accept or sign that I purchase this document.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported 120 day late status on credit reports. Sent many letters to try and have this fixed. Did not fix the issue.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed inquiries on my credit report that I did not approve nor authorize. all of the following inquiries I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has purchased a debt that has been sold 4 times. The original creditor says they have no record of this medical debt. Ive never lived wherever this medical practice is and they have no signatures, licenses, ids or anything showing me being there. I've threaten lawsuits before and always have had the debt removed thru investigations of credit bureuas. This creditor refuses to provide me with anything proving this debt belongs to me. I have sent to letter asking for validation with no timely response. If they have no proof they legally can not continue reporting something false. 
Tracking of validation letters. 
XXXX XXXX Has not marked disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed thee items. I am aware credit bureaus are working from home. I dont understand its been over 90 days and nothing had been validated this debts belong to me. There is plenty errors being reported on my credit file.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I opened a TradeStation account on tradestation.com via a promotion on their web site. I carefully read the terms and conditions, which I am also attached a copy of to this complaint. I used promo code " XXXX '' when opening my account. I have screen recordings and screenshots recording this fact. 

In a nutshell, by XX/XX/year>, I had successfully and fully completed the requirements for the {$75.00} bonus. There are XXXX {$75.00} bonuses with this promotion totaling {$150.00}. 

I was expecting the first {$75.00} bonus to be deposited to my TradeStation account by XX/XX/XXXX. The date passes and has still not been credited. 

Of course, I am expecting TradeStation to provide the bonus in accordance with the terms of their promotion. As I fully met the terms so I am expecting the bonus ( es ) to be credited to my account.
Product: Debt collection

Unable to verify debt. No documentation sent to consumer. Please remove from credit report
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX  on a Personal Loan Company has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Escrow management issue : We have refinanced loan with Quicken ( Loan no. XXXX ) and loan was closed on XX/XX/XXXX. During Closing we are asked to pay {$2100.00} toward prepaid of Homeowners insurance ( HOI ) and told that since HOI renewal is due in 60days hence you have to pay and it will be directly sent to HOI company. 
On XX/XX/XXXX Payoff was made to prior lender but HOI company haven't received {$2100.00}. 
a ) I followed up with Quicken via online chat ( agent : XXXX ) on XX/XX/XXXX and via email on XX/XX/XXXX ( responded by XXXX XXXX on XX/XX/XXXX ). We were told that this was paid at closing so Quicken can not help and please contact broker. ( First thing its shocking that Lender is running away for their responsibility and not helping when its their closing document. This was poor customer experience in 1st month and don't know how they claim as best in customer service. ). 
b ) We sent couple of emails to broker ( who also happen to be Quicken loan officer ) but never responded. 
c ) Now on XX/XX/XXXX we followed up with Title company ( XXXXXXXX XXXX XXXX ) and they responded that seems like check is lost in transit and they will stop payment this check and send other with overnight delivery. 
d ) Hoping Title company will resolve as they responded on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> & XXXX Date of Inquiry XX/XX/year>
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I called the bank on XX/XX/XXXX to payoff a personal loan with funds from a checking account, both at XXXX. The agent retrieved the payoff, took the information and said the loan would be paid off in XXXX days and gave me a confirmation number. Today XX/XX/XXXX, I check my online account and no pay off was made. However, a payment is due tomorrow. I called again today to voice my concerns. The agent initially told me I would owe {$7.00} more in interest but he could put in the request today. I explained that I would not be paying more interest due to an error on their part. I was surprised that when requesting to speak to a supervisor, I was told several times that the individual does not have a manger. Once he finally connected me, the manager eventually looked into my account enough to see that there was a request. Her suggestion was that I call back tomorrow to ensure the pay off occured because they do not make payments before the due date. This make zero sense and I can pay this loan at any time and was told it would take XXXX when I called on XX/XX/XXXX. The manager told me that if by tomorrow morning, it was not complete, that I should then " apply pressure '' to make sure it's done. I explained that this seemed like a lot to ask for a customer to take on and I was concerned that if it was not done timely, there would be an impact to my credit score. The Customer Service I received surprised me and I lack confidence. I am just trying to end my relationship with the bank.
Product: Consumer Loan

Please see the attached document with the full explanation. This venue is too short for the events that have taken place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX and Transunion all stated that account number ending is XXXX was accurate as well as complaint. After looking further into my credit report I noticed that All 4 Failed to provide me with the utmost accuracy and compliance that I needed in my credit file as it affects my every day life. Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date of First Delinquency IS WRONG. Creditor Classification IS MISSING. LATE PAYMENTS ARE INCORRECT BECAUSE there isn't any late payments reported only 11 months of charge off Please Remove Charge off and Mark paid as agreed or Delete from my Report Section 607 ( b ) of the FCRA provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.In some cases, such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information.In addition to provisions authorizing Federal and State enforcement, [ the FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees.Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees.A violation is willful when it is inconsistent with authoritative guidance from a relevant agency.
Product: Debt collection

Subject : Request for Debt Validation Dear NCA or To Whom It May Concern, I am writing to request validation of the debt that you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ).

I request that you provide me with the following information : 1. Verification of the Debt : A detailed statement of the amount you claim I owe, including any fees, interest, or other charges.

2. Proof of Ownership : Documentation showing that you are legally entitled to collect this debt.

3. Original Contract : A copy of the original contract or agreement that created the debt.

4. Payment History : A record of payments made toward this debt, if applicable.

Please note that until you provide the requested validation, you are required to cease all collection activities, including reporting this debt to credit bureaus. 

I appreciate your prompt attention to this matter. Please send your response to my address listed above within 30 days. Thank you for your cooperation. 

Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/21 an email account of mine was hacked and used to access my investment account at Coinbase and create a new bank account with XXXX XXXX XXXX. The hacker liquidated cryptocurrency assets held in my Coinbase account, transferred cash to the XXXX XXXX XXXX bank account, and used my linked brokerage checking with XXXX to purchase more cryptocurrency, sell, and transfer a portion of the liquidation proceeds to the XXXX XXXX XXXX account. I informed Coinbase and XXXX of the unauthorized transactions within hours of them occurring, but they were no action was taken by either company. My Coinbase account utilized 2 Factor Authentication for security and Coinbase does not allow immediate withdrawals of cash contributions, but both Coinbases authentication protocols and transfer procedures were bypassed. I have written to Coinbase via their web portal for remediation, but they have not acknowledged any fraudulent activity and have not indicated they are working to recover my assets in their responses. I have contacted XXXX XXXX XXXX for remediation but they have not returned correspondence or provided me information on where cash was transferred, only stating that they closed the unauthorized accounts which received cash stolen. XXXX XXXX XXXX XXXX 's banking functions are conducted through XXXX XXXX Bank. XXXX 's banking functions are conducted through XXXX XXXX, XXXX.
Product: Student loan

Did n't know how to or where to repay my loan. It was hard to get other options for payment plans besides deferring my loan. Now, I have more interest added and ca n't afford my monthly payments.