23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX finance an instrument to set off the debt which they accepted but never applied the amount to my account this was back in XXXX of XXXX, so the debt has already been satisfied. Pursuant to the UCC 3-603. TENDER OF PAYMENT.

Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.

So if XXXXXXXX finance refuses to accept the international bill of exchange the bill is discharged by payment in due course Payment in by or on behalf of the drawee or acceptor.

I am in the process of buying a home and this fraud reporting will affect the process in a negative way but before that report was placed I told XXXX finance that the vehicle was traded in.
Product: Debt collection

I am writing to formally request your compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 US 1681e ( b ) and 15 USC 1681 ( a ) ( 5 ).

Under 1681e ( b ), the FCRA requires that a consumer reporting agency must follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. I believe that there may be inaccuracies in my credit report that do not comply with this standard. Please provide me with the details of the procedures you follow to verify the accuracy of information reported.

Additionally, according to 1681 ( a ) ( 5 ), when a consumer disputes the accuracy or completeness of information in their credit report, the agency is required to investigate and provide results of the investigation within 30 days. I am requesting that you conduct a thorough investigation of the disputed information and inform me of the findings. 

I appreciate your prompt attention to this matter and look forward to your response within the time frame specified by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open Date XXXX XXXXAccount number XXXX account name- XXXX XXXX XXXX XXXX XXXX XXXX name XXXX XXXX XXXX These account is reporting error and have not been properly verified which this matter is a violation of my FCRA 605B ( 15 U.S.C. 1681c-2 ) I also have loan closed Student loan accounts that are reporting closed with a owed balance which is also a error and I have sent in dispute letter twice now which no update and validation so please verify all closed student loan accounts there should be no closed account with a balance on it. This is inaccurate reporting therefore please remove these accounts off my credit report and update it due to my FRCA Rights.
Product: Credit card

My Macys account was one of the longest tenured credit accounts I had. ( Since XXXX  ). A couple years ago, they dropped my limit XXXX  of dollars because they saw I had increased usage on other accounts, w/o contacting me. I ignored it. Now I find out they CLOSED my account without telling me! It was at a XXXX balance, and in perfect standing. This credit system is so unfair, with this account getting closed I lost my best credit line reporting, lost the available credit limit impacted my utilization ratio. All of this without a single email, text, phone call, etc. if a payment is ever a day late, the communications begin INSTANTLY and non stop until they get their money. Yet as a consumer, they can close my account and help destroy my credit health without any communications? Criminal. 

As of today, when I log into my Macys account, it says I have {$0.00} due, a {$0.00} balance and {$200.00} credit limit. The only reason I found out the account was closed was I called one of the three main credit bureaus, and they said the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Offending Company - LVNV Funding LLCXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX XXXX ) XXXX I am requesting the removal of the following data that appears in my file. I believe that this data is an error because this company was unable to verify ANY of the required information to validate the debt. I directly contacted the company on XX/XX/XXXX allowing them more than ( 30 ) days and requested the following information for the validation of the debt Original contract with a WET signature Proof of agency or ownership of the account Original payment history associated for the account Proof of original creditor information After the 30 days the company did not provide ANY of the information requested. The original date of the occurrence XX/XX/XXXX, resolved by XXXX XX/XX/XXXX that the transaction was a scam on the side of the purchaser and was to be removed from my account. ( This also exceeds the 7 year rule for credit reporting ) I prompted closed out and deleted both my XXXX account and my XXXX account after this interaction. Under my investigation into the claim from this company I have come to find out that XXXX XXXX  purchased XXXX XX/XX/XXXX, under the terms of the purchase all debt with the amount of {$500.00} or less was written off as bad debt, any debt above the amount of {$500.00} was then reprocessed and farmed out to collection agencies under XXXX umbrella. Under the FCRA, a company can not reset the timer on a collection process with sale and/or purchase of a company or its debt. This company had been sending emails out to a dead email due to the fact that it was the email tied to the deleted XXXX XXXX XXXX The company states they have made numerous phone calls in an attempt to collect a on the account, the phone number tied to the XXXX account was changed years prior to their collection efforts due to my relocation to a different state. Since they were never able to contact me and validate the debt they illegally accessed my credit report to get updated contact information. The company stated to me directly since they were unable to reach me or validate the debt they simply applied it to my credit as per the companys policy. This CLEARLY violates my rights and should be subject to fines and compensation due to the sever impact on my credit report.
Product: Credit card

{$120.00} {$150.00} taken from my checking acct. 
accidentally made XXXX extra payments in XXXX. I received on refund check in the mail. I am missing the ones for {$120.00} and {$150.00}. I have called plenty of times since XX/XX/XXXX and its now XX/XX/XXXX and I still dont have my money back. Capital One recommended I dispute with my bank and so I did- and they ended up not honoring/denying the dispute/claim from my financial institution. I do not know where my money is and I want it rightfully back.
Product: Checking or savings account

Dealing with chase and XXXX XXXX both bank had no right to close my accounts if i was and a positive they took my money from a check that was deposit and did not return my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 hard inquiries that should not be on my credit report. XXXX XXXX XXXX and capital one. I want to invoke the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or about XX/XX/2020, I disputed Contract Callers ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to Contract Callers requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 and also on XX/XX/23 i sent mail regarding this account and haven't heard anything from them. I do not have a contract nor any contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for collect from this debt from XXXX XXXX  XXXX XXXX. I am not responsible for this debt from LVNV FUNDING LLC. I am asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the co-signer on a loan student loan for my sister with XXXX XXXX and they didnt pull my sisters payment in time and made it late when she submitted it on time and it has negatively effected my credit for years. The payment was made on time and pending on their end. They counted it as a missed payment. It shows as a major missed payment and they will not take it off. It was one occurrence and they were quick to throw it on my credit score as a co signer instead of resolve the issue. They would not even release me from the loan until she made 12 months of payments on time after that occurrence.
Product: Checking or savings account

Hello, I need assistance with a dispute I started back in XXXX with the bank regards a charge on my debit card in the amountof XXXX. I booked a hotel which I stayed for about 2 weeks due to plumbing issues. During this time I book a hotel in the area since XX/XX/XXXX - XXXX. The charge I am disputing with the bank is the {$400.00} dollars. I did have prior charges using different methods of booking XXXX {$170.00} XXXX, XX/XX/XXXX - paid directly with merchant XXXX XXXX {$90.00}, XX/XX/XXXX {$270.00} Travelocity XXXX XX/XX/XXXX - paid to XXXX XXXX {$170.00}, XX/XX/XXXX - {$400.00} paid to XXXX XXXX XXXX I am disputing due to the fact this place had many issues with the room I stayed one being a broken sink, couch in poor conditions, and had bed bugs. When brought this to the attention of the person in charge they booted me out. I asked to be changed rooms but they refused. The deposit I gave in cash was refused. I called the bank to decline the transaction of XXXX as it was pending but unfortunately it was still paid. I refused to pay for horrible service on top of that no other option other than to vacate the premises and then they keep my money. Please help.I reported the Hotel but looks like nothing has been done.
Product: Checking or savings account

XXXX XXXX was selling a puppy on the XXXX  page. So I have contacted him and decided to purchase one from him. He sends me a contract via email and I send him {$870.00} via XXXX. On that day of XX/XX/2021, translogisticsexpress asked me for {$500.00} refundable insurance and XXXX XXXX told me that there is some health issue on a pet nanny so I needed to send another {$250.00} for XXXX. After that, both agencies dessapeared. On the website of XXXX, I was able to see other victims whose purchase in XXXX is still pending. I was not aware that I can not reverse the payments on XXXX. I already submitted the claim to FBI Internet Crime Complaint Center, However, I would like to dispute these charges to my account.
Product: Money transfer, virtual currency, or money service

PayPal Credit offe rs both standard and deferred plans.  XXXX  items were incorrectly posted to standard vice promotional deferred plan. When  PayPal Credit  corrected the problem and moved the  XXXX  items in dispute to the proper deferred plan, they incorrectly added each item twice. See below for charges dated   XX/XX/XXXX  and  XX/XX/XXXX  in the amounts of  XXXX ,  XXXX  and  XXXX  : No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$6.00} $   XXXX  * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  * {$0.00} {$1.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $   XXXX  * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$1.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  * {$0.00} {$1.00} $  XXXX 9* No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$8.00} $   XXXX  * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$6.00} $   XXXX  * No Payments Until  XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$6.00} {$38.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$7.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$6.00} $   XXXX  * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$3.00} {$22.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$6.00} {$37.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * I have been attempting since  XX/XX/XXXX  to get this corrected, but they refuse. They claimed they went statement by statement, but that 's the point : each statement since  XX/XX/XXXX  had the three items double billed, for an additonal charge of  XXXX . The excerpt is from my latest statement.
Product: Consumer Loan

I was behind on my car payment. Today is XXXX XXXX. My last payment was XXXX XXXX. The balance I now have due is about {$970.00}. This past Thursday my vehicle was repossessed. I keep attempting to contact American Credit Acceptance but the company is not responding. The number I was given to contact them is ( XXXX ) XXXX. I have very expensive items in my vehicle because I listed them online to sell them in efforts to raise money for the remaining balance. If nothing else I need my belongings out of the vehicle. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX **Subject : Dispute of Unauthorized Credit Inquiries- XXXX XXXX XXXX  Dear Equifax, This letter is to formally dispute unauthorized credit inquiries that have appeared on my credit report, an Account XXXX XXXX XXXX I have recently discovered inquiries from [ List the companies or organizations you do not recognize ]. I did not authorize these inquiries and believe this to be a form of identity theft.

I request that you immediately investigate these inquiries and remove them from my credit report. I have attached copies of [ List any supporting documentation, such as a police report or fraud alert notification ] to support my claim. 

Please provide me with confirmation that you have received this dispute and an update on the investigation. I am available to provide further information or documentation as needed. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXX XXXX XXXX  ( XXXX ) XXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXX and I will attach the documents. Also, the amount that XXXX is reporting is not correct. The correct amount that the original creditor gave me is {$510.00} so why are the credit bureaus allowing incorrect information to report on my credit report? Also, this account has been re-aged and should not be reporting according to FCRA. I also contacted XXXX  and they stated that they do not add interest or fees to its accounts so where is this incorrect balance furnished from? The account I had with XXXX XXXX was in 2017. Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased an apartment for my father. - My father completed the lease and went on a month to month lease. While staying in the apartment my father had several issues, such as a dead mouse in the Air Conditioner and the last item that caused him to leave was a full flood of the apartment due to a maintenance issue. My father alerted the apartment complex in verbal and written communication, that due to the flood he would be leaving the apartment since it was not livable. It wasn't until we were contact by an attorneys office did we have any information that they had sent me to a collections company for not giving 30 days notice. I have tried to dispute this with the attorney and the apartment complex several times.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a written request to ChexSystems for a full consumer file disclosure as allowed under the Fair Credit Reporting Act ( FCRA ). I included all necessary details, such as my name, Social Security Number ( last four digits ), and mailing address. Additionally, I requested that all communication regarding this matter be conducted exclusively via mail due to persistent issues accessing their online system. 

Despite the legally required timeframe for providing such disclosures, ChexSystems has failed to respond or provide the requested information within 30 days. I sent a follow-up letter on XX/XX/year>, reiterating my request and demanding immediate action. To date, I have not received any response or the requested information. This lack of response is a violation of my consumer rights under the FCRA and has left me without access to critical information regarding my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to put in place credit freezes with Experian, XXXX and XXXX. The date is XXXX XXXX, 2021. I have had no problems with the latter two. However, Experians online and phone systems do not work. Its a nightmare. 

First, credit freezes do not appear on the Experian site and theres no way to search. I finally found freeze options when I clicked on a product they sell credit lock. On that page, in very small letters, they explain that a credit lock is different than a freeze. Clicking on the freeze takes you to an application which doesnt function properly. It keeps telling me I havent filled in my old addresses when there are no blanks for this information. 

The phone system also doesnt work. It only gives you options to unfreeze but not freeze your credit reports. 

Ive been trying without luck to get a person on the phone or via chat. 

I went through a similar nightmare in XXXX trying to temporarily unfreeze my credit reports. Again, it was simple with the other two companies. I eventually got someone one the phone at Experian. Unfortunately, I have been unable to do the same now.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my FactorTrust consumer credit report sent to me via mail.
Product: Checking or savings account

My phone and card was stolen from me and they used it at a 3rd party atm and too XXXX out my account with 2 transactions back to back I put in this claim way in XX/XX/XXXX I have been waiting and have not got my money back or temporary credits. Its frustrating because I have been with this Bank of America since 2013. Over 10 years with not one penalty or claim in 10 years and not one spec of history of anything like this at all. Get my direct depotonto this account since forever. I dont kno whats going on but I trusted this back and been a loyal custumer this whole time and I have XXXX kids I cant afford for XXXX  to be taken and have to wait for since XXXX to even get a temporary credit while they investigate this is ridiculous I need help please
Product: Credit card or prepaid card

On XX/XX/29 my fiance and myself went to Costco. He applied for a Costco anywhere card by Citi bank. As he was finishing up the application, the customer service representative asked if he wanted to make me an authorized user. We asked if this would mean I would have to apply for a card as well, which I did not want to apply for credit card. She said no and was annoyed that we had asked that question. So my fiance said yes, she asked me to enter the last four digits of my social security number and that would allow me to be an authorized user. She then give us a print out of the temporary card. The temporary card only had my fiance 's name on it, please see the attached file for this document. On XXXX XXXX, both of us received two separate credit cards to my horror. I never signed up for a credit card only to be an authorized user. My fiance called Citi bank and asked them to correct this as the card opened in my name and done so without my permission. However, they said they could only removed my as the authorized user. They said I have to contact the Credit bureau to correct the issue. My credit score has been reduced as a result of this unauthorized card being open in my name and it's was done so without my permission. This customer service representative open a credit card without my permission and I would my credit score be fixed and this card be removed. It was a fraudulent act by Costco.
Product: Student loan

I called edfinancial on XXXXregarding getting a refund on the loans that I paid over the forbearance period. This was a total of XXXX dollars. I was told that I should see the balance back on my account in a week or so. I was not given a time period on how long I would get my money back. I have called again and they were not able to give me a time period. At this point I have no idea if my request have even been submitted. I have no email confirming whether the refund is in the process.
Product: Credit card or prepaid card

Case # XXXX I urge CFPB investigate into the internal operations of CitiBank 's executive office.

CitiBank has failed to handle all my earlier complaints appropriately. In fact in response to my last complaint ref : XXXX the citibank 's executive representative called me and told me he does not understand my complaint. My previous complaint was very much straight forward but because these people are scumbags at citi 's executive office they called me and said they do not understand my complaint. 

When none of their tricks worked to get past my previous complaint, the citibank 's executive XXXX sent me an email stating, " we ask that you please interact with our branch staff and Contact Center agents in an appropriate and professional manner. '' When they realized that my earlier complaint were indeed not handled appropriately, they put the whole blame on me. 

There is nothing executive about these operators, these people at citi bank 's executive office are a one hundred percent certified XXXX