23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I was granted on debt consolidation loan on XX/XX/XXXX. The only caveat was that they were to send the payments to my creditors. I spent XXXX minutes on the phone with XXXX from XXXX  giving her the addresses for the payoffs. They had me do payoff amounts for XXXX weeks in advance and was told everything should be paid off before XX/XX/XXXX. I had a creditor payment that was due on XXXX ( I had to pay that ) and then another on XX/XX/XXXX. All of my creditors were paid off within the XXXX weeks except the biggest XXXX. I called XXXX back around XXXX because I noticed the one was paid off. I wanted to get the check # and verify that the check was sent to the right address. XXXX gave me the number and assured me every was sent. I called back again around XX/XX/XXXX because it still showed a balance. XXXX on this call, realized she had mad a typo on the XXXX XXXX XXXX I asked her to have the check overnighted since the lender said it could take XXXX weeks to process a check. She said she would get back to me. I was concerned because the payment was due on XX/XX/XXXX. She didnt return my call like I had asked, so I called the next day and she said a new check was issued and sent out. I let her know I was very unhappy that it wasnt overnighted. She guaranteed me they would receive before it would be reported as late on my credit. I waited XXXX weeks and finally called and spoke to XXXX, the manager, on XXXX. I was very irritated that my account now says delinquent after XXXX supposed checks have been sent. XXXX said she needed to check on it and call me back. She called me a bit later that day and told me how sorry she was but the XXXX check was also sent to the wrong address! Are you kidding? Who is running this place. I cant believe the incompetence. XXXX guaranteed me that she sent the check overnight for receipt by the creditor at XXXX am on XXXX and everything should be ok. She offered to pay for the difference in interest since all of this mess. Here it is XXXX and guess what? I called the creditor to confirm receipt and they said they dont show anything and it could take XXXX days. This is going to be reported to my credit in XXXX  days. So Im going to have to make a payment so this doesnt happen. Then I have to make a payment on the XXXX  loan tomorrow which doesnt sit right with me since all of the creditors have not received payment. I called this morning, XXXX to speak to XXXX and tell her I want a check overnighted to me so I can make the payoff and not be late. XXXX is on vacation so Im back dealing XXXX, who said she needs to get it approved through her district manager. What can be done for all this incompetence? I took this loan in Good Faith and have had major stress about the remaining payment to the last creditor for a month and a half. What can be done? If nothing else, I want the world to know about One Main Financials incompetence so that others dont get taken in by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/XXXX for a collection that is on my credit that does not belong to me.When I logged in to check status it said no disputes found. Today XX/XX/XXXX I called to file a dispute again.I am victim of identity theft and just went through this same situation 3 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed many items off my credit in which the credit company violated my consumer rights. Avid Acceptance balance of {$10000.00} is showing on my credit report for a repo which violates law UCC 9 PART 6 ; No pre sale letter sent before car was repoed, Repossession deficiency letter was not sent before XXXX reported to creditors. The credit reporting agency marked it as updated XX/XX/XXXX. This item should be removed off of my credit after disputing it for this reason.
Product: Credit card or prepaid card

My Husband & I both have separate credit card accounts with Barclays Bank. On XX/XX/21 I made a purchase in the amount of {$2300.00}. On XX/XX/21, My husband went into his bank 's bill pay page and mistakenly paid his own Barclays account {$2300.00} which should have been paid to my account. He contacted Barclays and asked them to move the payment to my account and at first, they told him they couldn't. He then contacted them a second time and asked if they could refund him back the entire payment of {$2300.00} or move the payment to my account. They said they need to do an investigation which would take 30 days. I contacted Barclays and they told me that I should have my husband call his bank and see if they could reverse the payment, and he contacted the bank, but they said it was too late. They also gave me this ridiculous excuse of needing 30 days to investigate. I am not sure why a bank needs 30 days to figure out how to move a payment made to the wrong account into the correct account when it's pretty clear the purchase amount and payment amounts are the same.
Product: Credit reporting or other personal consumer reports

Of the three credit companies, Experian is the only one reporting a debt from XXXX XXXX XXXX ( XXXX ) that isnt mine. I filed a complaint using this platform, and XXXX XXXX XXXX ( XXXX ) responded that, to review my claim, their client requires a copy of the full police report and a completed fraud claim at identitytheft.gov, along with the necessary information, which I am submitting through this channel.

I kindly ask Experian to review the attached documents and take action to remove this from my credit, as they are the only company reporting it. 

Thank you very much.
Product: Debt collection

This collections account is completely erroneous. I paid off the XXXX account in question years ago ( XXXX ) when I switched to XXXX XXXX XXXX and they continued to charge me monthly after I had already closed the account. I contacted XXXX and paid the entire balance and was complete on closing this account prior to switching to XXXX XXXX XXXX. After the switch, XXXX made an error and continued to charge me monthly for service when I had already successfully closed the account and paid all balances. Another collection agency related to this erroneous debt tried to maintain a collections account in the amount of {$820.00} ; however, XXXX XXXX XXXX was deleted from my credit report because it was found to be erroneous on XX/XX/XXXX. Now, IC System INC is reporting that I owe a balance of {$820.00} which is false because XXXX  and XXXX XXXX XXXX have reported that I do not owe any debts. I do not owe anything to XXXX or I.C. System, INC and this needs to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing two credit cards ( Kohls and Capital One ) and one Collection with XXXX XXXX XXXX XXXX XXXX XXXX. I contacted all three of these companies and I informed them these accounts were fraud, I gave them any documentations they requested from me, I also provided my power of attorney that my daughter has, and I also gave them my address information. I have no copies, paperwork or access to these accounts because I did not owned them and my credit was fraudulently used, so I cant provide any documents on these accounts. Nevertheless, after contacting the three companies in XXXX and XXXX, I dont remember the exact dates, they removed the debt off of my credit and then a month later they were put back on my credit as Charger offs and Collections which makes my credit look very bad and theyre forcing me to take responsibility for accounts thats NOT mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, please correct the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion : 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

I have disputed Capital One Auto Finance information several times due to the inaccurate information they have reported to all three credit bureaus on my closed account. They have yet to remove the inaccurate information or send me copies of the information I requested to be validated. I used this company to purchase a car and I paid the loan off. I was never late on the account. They were inconsistent with reporting my payment history each month from the time the account was opened and closed. They have reported XXXX late payments on my account For other years they did not report any payments on my account. This situation is causing severe stress in my life. I have been turned down for jobs because of this and now I can not purchase a home because of this. There are so many negatives from this account on all three of my credit reports. I have asked for Capital One to validate this account and send all documentation to me to verify the validations and I have yet to receive anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX, XXXX  and Experian  are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit file that were not initiated by me.
Product: Checking or savings account

I have had many issues with Overdraft fees that I have to pay at my bank, although many neighbors don't get charged fees at the same bank. I was therefore thrilled to find the XXXX XXXX. It advances me up to {$75.00} per pay period, which I've utilized to avoid magic math at citizens bank. This morning at XXXX XXXX, all weekend transactions had gone through, according to the Citizens app. But I was at a negative {$3.00}. 
Fortunately, I have the XXXX XXXX. I asked and XXXX sent me {$75.00}. But my account stayed in the red at - {$3.00}. 
I telephoned Citizens Customer Service at once. The agent nicely looked over my account and says, " you had over {$500.00} when that {$75.00} hit this morning. '' I explained that I have screen shots to the contrary. I explained that I would have no reason to ask for the {$75.00} from an app if I still had {$500.00} in my account. I explained that items paid on XX/XX/19 are now showing as being paid on XX/XX/19. I explained that I have the date, time and confirmation numbers of said transactions. I really felt like he finally understood. And then he hung up on me. I would like to assume we were disconnected, but no one returned my call. Citizens owes me {$71.00} Also, while searching my account, I see I was charged over {$1000.00} in overdraft fees last year. Since I know people who have overdraft more than I but weren't penalized by Citizens Bank, I'd like to start a clean slate with my bank in XX/XX/2019 and accept the balance of what they owe me as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I paid off the balance of approximately {$440.00} in full. I did not use the card again and I have been a holder sinceXX/XX/XXXX The annual membership fee was added to the card balance in XX/XX/XXXX unbeknownst to me as I don't recall receiving any statements, and XXXX XXXX never once called to alert that the account was past due. Instead, XXXX XXXX has reported the " annual membership '' amount repeatedly as late for over 120 days as if it was in fact a balance that was incurred through actual charges. Not once, did they have the common courtesy to call me realizing that the only charge on the account was for the membership fee. As a result, CO has closed my account severely impacting my credit resulting in a decrease of almost 47 points. I spoke with several reps today that refused to re-open the account and indicated they reported it correctly a few days ago to reflect a {$0.00} balance. However, an alert to my credit report today ( XXXX ) shows a {$64.00} past due balance.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

I have qualified for PSLF for XXXX in a high needs school for XXXX years at this point. I have applied 2-3 times and have been declined for things such as using a hyphen incorrectly or not making enough qualifying payments. I have not missed a single payment and have actually overpaid my payments. I continued to pay my loans even when they were in forbearance. I have colleagues who competed the same program and same amount of years that were accepted. The pslf program seems arbitrary.
Product: Debt collection

After mutiple calls from pinnacle credit after i advised them to stop they still kept calling. I was advised once that the debt was paid this would be removed from my credit report. They have ignored my XXXX complaints.
Product: Credit reporting or other personal consumer reports

I didnt give any information to experian or XXXX XXXX  they are mishandling my personal information which is putting false collections on my report as the consumer I want things deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX - XXXX - This is a violation of XXXX XXXX CODE XXXX. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in written instructions of the consumer to whom it relates. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX - This is a violation of XXXX XXXX CODE XXXX. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( XXXX ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in written instructions of the consumer to whom it relates. 
XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXXXX/XX/XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XX/XX/XXXX - XXXX - Not all bureaus are reporting this account that way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2020 and XXXX of 2020 the amounts on PayPal were different. I reported these to PayPal 2 times and notified them of a data breach I was involved in through XXXX credit bureau. I have gotten a response stating they don't see what I'm seeing on there end!!
Product: Credit reporting or other personal consumer reports

I am sending this complaint to dispute the reporting of a late payment on my credit report for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. 

I have contacted the bank regarding theselate payments, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and have agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. I also request a copy of my updated credit report once this correction has been made.
Product: Money transfer, virtual currency, or money service

Recently purchased a phone, got scammed, seller agreed to refund but never sent anything to refund the item back. Case got denied because I couldn't ship the broken device back because the seller didn't send anything. Tried contacting my bank twice and they denied it. They are clearly condoning fraud and it's disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the dates when I mailed out letters asking them to fix the errors XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the XXXX XXXX data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven XXXX XXXX COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite XXXX XXXX compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo suddenly closed all Personal Line of Credits and this is affecting my credit score badly. I have tried contacting them and they are not doing anything to fix this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To Whom It May Concern, This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my consumer credit report on XX/XX/XXXX, without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618 ( a ) 3 ( 1 ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( S.D. XXXX. XXXX ). I have not initiated any transaction with XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX Furthermore, I do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with these companies for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. To avoid any of these penalties, I demand that these inquiries be removed immediately. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via certified funds to : XXXX XXXX XXXX XXXX XXXX, PA XXXX Best Regards, XXXX XXXX