23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Called to get understanding of the debt was advise that I JUST NEED TO PAY WHAT I OWE BECAUSE I KNOE I OWR IT! Then when I asked for breakdown of the account advise I should have gotten the letter if I didnt then that my fault! Asked for validation letter but one never came and also asked for move out statement providing proof of amount owed via email and by phone never received it! Also asked for a settlement and was advise THEY DONT DO SETTLEMENTS Procollect is aggressive and abusive and goes against FDCPA Regulations and UDAAP laws
Product: Debt collection

A collection account was added to my XXXX XXXX and does not show up on other bureaus. They have verified as accurate. But have not provided me with any information. I called the company directly and they said I called in yesterday, which I did not. They couldnt give me any information other than dispute, which I already have, police report, of identity theft complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX ; XXXX XXXX XXXX A XXXX XXXX, TX XXXX; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$4900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked 3 credit bureaus and creditors reporting negative accounts for all original signed documents associated with the information of all accounts that all 3 are reporting.I haven't disputed the accounts as not mine. Ive corresponded with them trying to receive copies of my accounts reporting negatively so that I can have all the information I need. All 3 credit bureaus and the creditors have not sent me the documents I have requested since XXXX of 2020.
Product: Vehicle loan or lease

When making payments above the minimum amount due, this company does not automatically apply those funds towards the principal. It is instead held back and given as a credit on the next payment. This company wrongly collects interest on the portion of the loan that should have been paid down on the principal by with holding the funds instead of applying them to the principal. 

Also, while trying to apply a payment through their website, regardless of the browser used, and even by following their directions to allow 3rd party cookies, the website will not allow you to make a payment. You either have to send in a check, or call their automated service, which results in a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please update this account accordingly : ( XXXX XXXX )
Product: Student loan

I'm writing this letter on my behalf, regarding my hardship denial. I am aware that I was denied due to my hardship not being turned in on time. The basis of my complaint is there were several different representatives that were providing contradicting information on the proper protocol and exact instruction and nature of the hardship appeal process. The offset was posted on XX/XX/19. I had within 30 days to have that in and you received my hardship on XX/XX/19 3 days after. Upon my request for the hardship I spoke with more them 1 representative on the day of XX/XX/19. Trying to get clarification on the process because I was told something different each time. The original offset letter was sent to the wrong address twice interfering with the 30 days I had to submit the application. Due to the fact of giving me misrepresented information my application was received 3 days late. I understand the decision was made on XX/XX/2019. However, I understand there is accountability to remedy issues that cause clients financial harm and extended hardships. I was unable to act according to the protocol because the information provided was in fact not accurate yet provided by the agents of U.S. Department of Education ( customer service representative ). 
I was facing eviction at the time and because of me not receiving my refund, I lost my home. I'm currently experiencing homelessness. Living in my car since XXXX. I have an XXXX  XXXX that affects me working at times, which Im currently going through. I was looking to my refund to help with catching up on bills and establishing housing. I was unable to do that and suffered a financial injury due to bad information.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding Experian, XXXX, and XXXX handling of my credit report and their failure to properly investigate and verify an inaccurate XXXX XXXX account that is being reported. These credit reporting agencies have repeatedly sent stall letters and have not conducted the necessary investigation to resolve discrepancies in the reported balance and payment history on my XXXX XXXX account. This is not only a violation of my rights under the Fair Credit Reporting Act ( XXXX ) but also constitutes fraud as the reported information is inaccurate. 
I have disputed the following XXXX XXXX account with all three credit bureaus, but my disputes have not been properly addressed : XXXX CARD - XXXX The balance reported on my credit report does not reflect the actual balance of the account, and the payment history is incorrect, which negatively impacts my XXXX XXXX and financial standing. These inaccuracies have persisted despite my multiple attempts to resolve the issue directly with Experian, TransUnion, and Equifax. 
Under the FCRA, XXXX XXXX, credit bureaus are required to investigate disputes within XXXX  days, and Section XXXX mandates that the information they report must be accurate and verifiable. However, instead of conducting a legitimate investigation into my dispute, all three credit bureaus have sent me stall letters and failed to provide adequate verification of the reported information. They have not addressed the inaccuracies in the XXXX XXXX account despite my clear evidence of discrepancies. 
This failure to properly investigate and verify the inaccuracies constitutes a violation of my consumer rights and is an act of fraud, as it is misrepresenting my financial history to third parties and negatively affecting my credit profile. 
I am requesting that your office investigate the practices of Experian, TransUnion, and Equifax in this matter. They have not only violated my rights by failing to comply with the FCRA, but they are also engaging in actions that result in fraudulent reporting on my credit file. The inaccurate reporting of this XXXX XXXX account must be corrected, and I insist that the credit bureaus either verify the account accurately or permanently remove it from my credit report. 
Please find enclosed copies of the relevant documents, including the dispute letters I sent to the credit bureaus, the stall letters I received in response, and my credit report showing the disputed XXXX XXXX account with the incorrect balance and payment history. 
I appreciate your prompt attention to this matter and look forward to your response. I trust that your office will take the necessary steps to hold Experian, TransUnion, and Equifax accountable for their failure to comply with the FCRA and their continued fraudulent reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for several months to correct this matter with Lending Club to no avail. Lending club reports two loan accounts on my XXXX report with nearly the same balance. These are duplicate accounts and one of them should be removed from my XXXX report. 

This uncorrected errors presents a hardship to me because it shows that my overall debt is significantly more than what it is. I have tried reaching out to lending club directly for at least 4 times. This has been going on for at least 5 months, but I am told the matter will be corrected in 30 days, but it not corrected.
Product: Debt collection

This was taken off by XXXX. This debt was already removed before and another credit collection agency bought my debt!
Product: Debt collection

Commonwealth financial sent me a later for a hospital bill for XXXX. And said that the account was opened in XX/XX/XXXX but they reported to my credit saying it was openXX/XX/XXXX. This debt is not mine.
Product: Credit card

On XX/XX/2023 I paid for an XXXX for an entire month 's stay. The amount was for {$1600.00}. I had no where else to stay and needed to stay here and XXXX has strict refund policies and cancellation policies. Upon arrival there were many dirty walls, scratches on the walls, dents. The toilet started to leak randomly XXXX day and they had to send someone to fix it the following day which ended up flooding the bathroom. The XXXX host gave specific parking instructions on where to park your vehicles and what days of the week you're able to park in specific spots. Followed their instructions precisely and my car still ended up getting towed. I use my car for work and missed out an entire day 's wage and had to pay to retrieve my car back. The XXXX host admitted to no fault regarding to my car being towed and was unaccommodating to the apartment 's conditions which led to me disputing the entire amount I paid for the stay. Apple denied my claim because they don't see a billing error ( their words ) and I received my goods. In the picture with the blue lines that's where my car was parked when it got towed and it was on a day where I was allowed to park there.
Product: Credit card

Hello this company has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I requested these accounts to be removed on multiple occasions, accounts are as follows but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Money transfer, virtual currency, or money service

I want to file a complaint against daily pay they take your money give you wrong amount charge you unseen fees
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed some inaccurate accounts reporting XXXX XXXX  XXXX is paid and closed proper notification of an owed deficiency was not completed. A deficiency is defined as the difference between what was owed on the car and what it was sold for wasnt even provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to dispute fraudulent items with Experian Credit Reporting agency. The fraudulent accounts and erroneous accounts and inquiries are being disputed for reason of Identity Theft under ( FCRA Section 605b ), yet to no avail. As a victim of a security breach and identity theft I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter. I am requesting that these fraudulent items be removed from my credit file immediately
Product: Checking or savings account

I was just made aware Discover Bank closed two of my checking accounts, I was told was due to an overdraft fee in one, that I was unaware of, as well as not informed. I was not informed ( I did not receive an email, mail, a message through there Secure Message Center or a phone call ) of my accounts closure as well as why my account was overdrawn. I was unable to resolve the matter after being on the phone for an hour and 40 minutes speaking to several supervisors. I still have not received any documentation of this matter. One checking account had over {$100.00}, I was told by, the supervisors, that there was an overdraft balance in another account. The bank used the account with money to resolve the balance. I was not aware of a balance and I did not overdraft my account. I was told my account was previously closed and the supervisor XXXX told me that they do not have records of sending me notice through email or their secure message center.
Product: Debt collection

I recently received a copy of my consumer report and I noticed this fraudulent account being furnished by National Credit System # XXXX I have never entered into a consumer transaction with this company. According to 15v USC 1692g ( a ) I never recieived a notice of this fraudulent account nor di I ever sign anything authorizing the use of my personal information. I have already filed an Identity theft report and I have requested a freeze on my credit to prevent further fraud from taking place.
Product: Money transfer, virtual currency, or money service

Back in 2017, I sent money through Zelle and sent it to the wrong number. I was not given a warning sceen to ensure I was sending it to the correct person. Now today I noticed this change made.
Product: Debt collection

Account was taken out without knowledge original account hold media location mobile XXXX XXXX XXXX request contract or signed documents with correct name, address & correct information other than just name. Did name receive no documents called are requested collection to be pulled off report for lack of information company refuse to pull off also show proof of debt with original documents with a wet signature on it
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$6800.00} XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard inquiry put on my TransUnion credit report that is from a person that is not me and has the same name as me but with a different middle name that starts with the same initial and lives at a different address. The inquiry is from XXXX XXXX XXXX XXXX that is dated on XX/XX/2019 

TransUnion does not have the other person 's address listed in my address history and I have never lived there. This inquiry is not on my credit report from the other two credit bureaus and is only on the TransUnion one. They have made a mistake by putting someone else 's information on my report that has a similar name as mine but it is obvious that we are two different people with two different address ' and social security numbers. 

In my opinion XXXX XXXX XXXX XXXX did nothing wrong as they used the other person 's address and social security number to pull the information that they were looking for and not mine. It is TransUnion 's error and I believe they should correct it immediately instead of having me go through this long tedious process of correcting something that is neither my fault or mistake. They were the ones that put someone else 's information on my report that does not belong there. All they have to do is look at my address history linked to my social security number to see the error that they have committed. I believe that they should remove the inquiry immediately.
Product: Credit reporting or other personal consumer reports

I reached out to Best Buy Store Card to increase my credit limit. They suggest I call and speak with representative. I did so, clearly stated I didn't want a hard inquiry on my report. I said the credit increase wasn't that important for a hard inquiry. She assured me it wouldn't be a hard inquiry. 
I was approved for the increase yet, Here we are 10 days later, and sure enough it was hard inquiry when I specifically said No to hard inquiry.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> Personal Info Former : XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX
Product: Checking or savings account

Chase Bank has shutdown my account without warning back in XX/XX/XXXX since than I have had sever conversation with bank representatives and followed up without much of a fuss, but I have gotten the run around for the last 8 years of trying to resolve this issue as during that time of XXXX I was facing battling identity fraud and I have recently been able to recover a bit I have informed chase of this issue and provided any information they requested at this point I have nothing else to turn to but filing a complaint after 8 years of tackling this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Chase account reporting on XXXX  and XXXX  that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Product: Vehicle loan or lease

This account was paid in full from a insurance claim from XXXX XXXX. Ally financial received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX XXXX. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, Ally said that I have accrued finance charges on my account that is still open. I explained to Ally that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. Ally does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from Ally. All that I want is Ally Financial removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe Ally Financial any money. XXXX XXXX XXXX paid Ally financial in full
Product: Mortgage

XX/XX/XXXX, started refinance process with Bank of America for a 15 year loan at 2.375 %. Excellent candidates both me and my wife with high 760+ credit scores and good income. Multiple back and forth notes on their mortgage portal from me and the loan officer verifying everything had been completed for review. ( Printed copies ) XX/XX/XXXX loan officer says " underwriting has completed their review.. '' " ... no items needed from you at this time. '' " Now we just sit and wait on the title company and the processor to complete. '' " This will take several weeks. '' XX/XX/XXXX was my home expectation day that cost me {$610.00} which turned out great because my home was valued at {$9000.00} more than we estimated. I write a note on mortgage portal on XX/XX/XXXX getting an update on how the process is going. XX/XX/XXXX response from loan officer in total " Your loan was picked up in a review and unfortunately we will not be able to proceed with your application at this time due to risk found. I do not have the details to provide but you will receive a formal decline letter in the mail. '' XX/XX/XXXX I speak with his manager to verify it was not a mistake and informed it was no mistake and she could not tell me why because its handled in underwriting which she doesn't have access too. I could reapply for loan but my account would be red flag in future applications. Also she could not discuss what the new rates were for that day. She said I'd receive a denial letter explaining my denial in the mail. XX/XX/XXXX I posted a question on portal asking when my application was picked up and denied and was I informed same day. ( I asked this because if it was before my appraisal I should have been informed so I could cancel the appraisal and save that {$610.00} ) This question has been left unanswered. Posted a new message on the portal on XX/XX/XXXX after I left the manager a voicemail and stated it is now XX/XX/XXXX with still no denial letter received in the mail. I deserve an explanation and expect a direct callback from her or her supervisor. The original loan officer responded back on XX/XX/XXXX stating the same message about my loan was picked up in a review an denied and this time left the managers name and number to call. On XX/XX/XXXX I answered that portal message by mentioning I've left that manager multiple voicemails with no return calls. I now require her supervisor name and number. I've still not received a denial letter. I also asked " As my lender, can you tell me why I have been turned down for this application. " ( Reasoning behind this question is after researching this I came across the Equal Credit Opportunity Act ) Unfortunately this message is still unanswered and it is now XX/XX/XXXX. I feel I have been discriminated by this bank and have no where else to turn and believe this needs to be reported.
Product: Debt collection

I was called by Diversified Consultants Inc. on XXXX/XXXX/2015 and the caller received my personal address and ss # without knowing whom he was speaking to. The caller was XXXX XXXX and his manager said he was allowed to do that. Her name is XXXX XXXX. They refused to give me the companies phone number to call them back.