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

This complaint is against XXXX XXXX XXXX  and their incorrect credit reporting/closure on my account despite on-time payments. 

On XX/XX/2020, XXXX XXXX reported that they paid off XXXX XXXX in full of the {$1300.00}. 

On XX/XX/2020, in my XXXX XXXX XXXX  account, it says that XXXX bank transfer/pay off my balance from my XXXX XXXX XXXX   with a balance of {$1300.00} - this transfer would have left my account at {$0.00} with XXXX  XXXX. 

********On XX/XX/2020 at XXXX PST, I called the XXXX  XXXX to notify that I would like my account closed. The representative said that he did not see a balance but mentioned, " if there is still a balance and you close your account, it will reflect negatively on your account. '' He assured me that he would close the account. ********* Early XX/XX/2020, I received another bill of a " remaining balance. '' On XX/XX/2020, I made another payment of {$5.00} supposedly on the interest that would have accrued on my previous balance. 

On XX/XX/2020 in the afternoon after XXXX, I called XXXX XXXX XXXX  to ensure that my account was closed and to confirm that my balance was at {$0.00}. The representative told me that my account was at {$0.00} and that my account was closed. 

On XX/XX/2020, I receive an email from XXXX XXXX XXXX   notifying me that my account was closed due to failed returned payments and that this was " closed by the Creditor. '' I also checked my XXXX XXXX XXXX  upon reading my email and see that this payment was " returned. '' Now, I am faced with paying additional fees from this {$5.00} that should not have been charged in the first place. 

I have had many issues with XXXX XXXX XXXX  with trying to make payments online, over the phone, and even while typing this complaint, I tried returning to my XXXX XXXX Online account and it seems the company suspended my account and will not allow me access. 

In summary, please note that my account with XXXX XXXX XXXX   should have been closed since XX/XX/2020 with all on-time payments made in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Validate Account XXXX  XXXX  Account Number : XXXX 2. Validate Account XXXX XXXX  XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX  XXXX  Account Number : XXXX 4. Validate Account XXXX XXXX  Account Number : XXXX 5. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX 6. Validate Account XXXX, XXXX Account Number : XXXX 7. Validate Account Account Number : XXXX 8. Validate Account XXXX XXXX  Account Number : XXXX 9. Validate Account XXXX XXXX Account Number : XXXX 10. Validate Account Account Number : XXXX 11. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX 12. Validate Account XXXX XXXX XXXX Account Number : XXXX 13. Validate Account XXXX XXXX Account Number : XXXX 14. Validate Account Account Number : XXXX 15. Validate Account XXXX XXXX Account Number : XXXX 16. Validate Account XXXX XXXX Account Number : XXXX 17. Validate Account Account Number : XXXX 18. Validate Account XXXX  XXXX  Account Number : XXXX 19. Validate Account XXXX XXXX  XXXX Account Number : XXXX 20. Validate Account XXXX XXXX Account Number : XXXX 21. Validate Account XXXX  XXXX XXXX XXXX  Account Number : XXXX 22. Validate Account XXXX XXXX Account Number : XXXX 23. Validate Account XXXX XXXX  Account Number : XXXX 24. Validate Account XXXX, XXXX Account Number : XXXX 25. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

Mortgage modification was facilitated by spouse without my consent my signature was forged on document, I reached to Mortgage company prior to accepting terms of modification and informed that documents would forged and modification still was accepted I have not been in said state Pennsylvania since XX/XX/year> residence was California
Product: Bank account or service

Bank of America has allowed suspicious activity take place with my account on numerous occasions and I do not understand why. XX/XX/2016, I first noticed that a new account was created in addition to the account that I already had. I have closed that new account and notified the credit unions. Since XX/XX/XXXX, I have been attacked again in XX/XX/XXXX and now again XX/XX/2016. BOA has allowed transactions to be processed from my checking account without the access of a Debit card from different towns and cities I do not usually travel to ; also while waiting on my fraudulent activity claim to finish being processed, another transaction was able to go through now with NO active Debit card.
Product: Consumer Loan

My complaint is with Hyundai Finance. I had leased a XXXX XXXX XXXX from XXXX XXXX and turned it back in to them in XXXX, XXXX. Hyundai finance continued to bill me for the payments and turned me into a collection agency afterwards. After contacting both the dealership and the finance company where they both admitted their mistake, my credit score has not been corrected. It went from XXXX down to XXXX. I 've always had excellent credit and pride myself in that! Please help me solve this.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX I am submitting this complaint against Credit Acceptance Corporation for violations of the Truth in Lending Act ( TILA ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws in connection with my retail installment contract for a XXXX XXXX XXXX XXXX, dated XX/XX/XXXX. 

Details of the Violations : Failure to Accurately Disclose the APR and Finance Charges : The contract lists an APR of 20.99 %, but it lacks a clear explanation of how this APR was calculated, violating 15 U.S.C. 1638 ( a ).

Failure to Itemize the Amount Financed : Additional fees such as messenger fees, document fees, and GAP insurance were included in the amount financed but not itemized, in violation of 15 U.S.C. 1638 ( a ) ( 2 ).

Unlawful Prepayment Penalty : A {$10.00} minimum finance charge for early payoff violates 15 U.S.C. 1666d, which prohibits penalties for prepayment under certain conditions.

Misrepresentation of Optional Add-Ons : Extended warranty and GAP insurance charges were not clearly disclosed as optional, in violation of 15 U.S.C. 1632 ( a ) and the FTC Act ( 15 U.S.C. 45 ).

Unfair Arbitration Clause : The arbitration clause is overly restrictive, limiting my ability to pursue legal remedies, in violation of 15 U.S.C. 1666j. 
Desired Resolution : I request that the CFPB investigate Credit Acceptance Corporation for these violations and mandate the following corrective actions : Rescind the retail installment contract. 
Remove the account from all credit reports. 
Discharge the outstanding balance and release the vehicle title. 
Ensure compliance with federal consumer protection laws in future contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to cash a check at XXXX store, but it was denied and I was given a print out advising to call Certegy for more information. On XX/XX/XXXX, I called Certegy and requested a Consumer File Disclosure Report. Upon receiving the report, I observed on XX/XX/XXXX, check # XXXX for {$350.00} written to XXXX Stores was never paid, reporting source is XXXX XXXX XXXX XXXX with contact information ( XXXX ) XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX and spoke to Representative, XXXX XXXX, which advised their company no longer holds that debt, and that I should notify XXXX Stores customer service ( XXXX ) XXXX. At that time, I notified Certegy Payment Solutions at ( XXXX ) XXXX to enter a dispute for nonpayment of check # XXXX for {$350.00} at XXXX Stores. On XX/XX/XXXX, I spoke to a representative at XXXX Stores customer service which advised check # XXXX for {$350.00} is, currently, an outstanding debt and that i need to make contact with XXXX XXXX XXXX to make a payment. On XX/XX/XXXX, I made contact with XXXX XXXX XXXX, spoke to Representative XXXX XXXX, and made a credit card payment of {$400.00} with a processing fee, included, confirmation # XXXX. In addition, knowing in my gut that I had already paid this debt, I notified my financial institution on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Representative, XXXX, advised check # XXXX for {$350.00} was paid on XX/XX/XXXX via draft check from XXXX XXXX XXXX  XXXX XXXX Texas. On XX/XX/XXXX, I called XXXX XXXX XXXX and spoke to Accounting Representative, XXXX XXXX, to advise him of this information and he advised me to email Accounting Supervisor, XXXX XXXX at XXXX with the proof of payment. On XX/XX/XXXX, I emailed XXXX XXXX the portion of my XXXX bank statement that represents the payment of {$350.00} on XX/XX/XXXX and a copy of the canceled draft check from XXXX XXXX XXXX  XXXX XXXX Texas. On XX/XX/XXXX, Mr. XXXX, advised via email that a refund is being sent to me by mail. 
Please take the time to investigate this matter. This is an attempt to erase a paid debt. I am looking forward to hearing from you. 
Thank you, In advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Fed reporting a closed account Closed account with balance and past due balance with monthly payment showing not to mention its different Account numbers with different truncations showing across multiple bureaus. 


XXXX XXXX XXXX If I didn't believe in mistakes I might have thought they were misreporting this account on purpose but I have numerous open and closed accounts with Navy Federal all in good standing so I know its a minor mishap in there part.
Product: Debt collection

XXXX XXXX XXXX has hired a law firm to collect {$34000.00} from me. They have put a judgment on me and it 's on my title suspending my assets. I believe they are trying to recover costs that they ( XXXX XXXX ) paid to defend XXXX XXXX XXXX XXXX XXXX after I filed a lawsuit for being fired unlawfully. I never received an " order of entry of Judgment '' is what I was told to look for. I was never served, nor was I aware that I was responsible for these charges. I would have disputed these charges right away, but it was a year or more later when I received a bill from Wilbur and Associates naming/ labeling XXXX XXXX as the " client '' for this exact amount. When I received this " bill '', I wrote the very next day disputing these charges but never heard anything back. My lawyer at the time of this lawsuit ( for wrongful termination ) XXXX XXXX, told me that the case was dismissed on XX/XX/2008 and I was never court ordered to pay any fees or costs from this lawsuit. My lawyer told me that the case was " dismissed '' because he filed paperwork " improperly '' It was the UDF ( Undisputed Facts ). PLEASE someone needs to investigate XXXX XXXX, XXXX XXXX AND WILBUR AND ASSOCIATES for the claim they are making, with no corresponding documents, no court order and nothing stating that I owe or need to reimburse these fees of {$34000.00}. If this was court ordered XX/XX/2008, at the time of the dismissal of lawsuit, I would have known about it and my responsibility to pay AND I WOULD HAVE HAD MY LAWYER DISPUTE THESE CHARGES IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last three months Ive sent letters to the three credit bureaus asking them to remove inaccurate reporting and inaccurate accounts. Ive asked them to provide me with original signed documents to prove verification ; which they refused to do so because accounts are absolutely false. I really need your help removing negative and inaccurate report to my credit reports that Experian, XXXX, and XXXX  are reporting. These negative items must be removed immediately.
Product: Debt collection

On  XX/XX/XXXX    XXXX   XXXX   XXXX   through   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   AZ   XXXX    reported a delinquent account of {$3400.00} on Equifax site in my name. I did not purchase any item, contracted any loan or services from  XXXX  that resulted in delinquency. Neither do I contracted any private loan, mortgage loan, credit card debt or any kind of contractual agreement that involve any monetary value or the said claimed amount. My employment contract with  XXXX  does not include any agreement or clause that states that I will be charge with such amount whenever my contract is terminated or ends with   XXXX   XXXX  . A copy of my contractual obligation with   XXXX   will be attached for your review. I Remembered that I was employed by   XXXX   on  XX/XX/XXXX  as an   XXXX   XXXX   until  XX/XX/XXXX  when my contract with them came to an end. I handed over the files of all completed and pending sales, almost  XXXX  customers, and  XXXX  pending sales to   XXXX   XXXX   who was my immediate supervisor, as per company policies. Since I left  XXXX , I have never in any form sold any policy to any person as a replacement from the policies that I have written when I was employed by  XXXX . When I became aware of this information on my credit report, I reported to Equifax about the inaccuracy of the report. I also contacted  XXXX  to provide me with information about any account in my name with explanation of how I owed such amount and have since never been provided with such information. Moreover,  XXXX  have never contacted me about any debt after I have separated from them.Reference complaint number  XXXX , you referred equifax to investigate my complaint. Equifax rather corroborated with  XXXX  through   XXXX   XXXX   XXXX   XXXX   XXXX  , and added {$1.00} to the original amount of {$3400.00} to make it {$3400.00} and reported it again in my credit report on equifax official site. Now they have   XXXX   accounts in my name reported on my credit report from   XXXX   XXXX    through   XXXX   XXXX   XXXX   XXXX   XXXX   after the CFPB have referred Equifax to investigate my first complaint.  XXXX  of the account is reported as {$3400.00} and the other reported as {$3400.00} all from  XXXX  through   XXXX   XXXX   XXXX   XXXX   XXXX  , This illegal behavior of Equifax, indicates that they are in corroboration with   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX   to damage and destroy my credit worthiness and to prevent me from pursuing any career opportunities. Equifax behavior also showed gross amount of disrespect for the Consumer Financial Protection Bureau ( CFPB ) .I want all of this inaccurate information remove from my account.
Product: Debt collection

the debt as payed on  XXXX   XXXX /2017 was payed  XXXX  i requested a letter of proove they have not send it i called  XXXX   XXXX   2017  to request and email of proof of payyment never recived it. i called  XXXX   XXXX     2017  for and email once again of proof of payment never received it. they said  24 to 48 ho urs nothing yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is this complaint about? 
When applying for a car loan the credit report from XXXX/Equifax is drastically less from my consumer pull than what the dealer came up with. My scores have been hovering at the same number for about a year. I additionally have different averages for the age of my accounts. My paid off debts to not show for some reason either. Lastly, when I tried to get insurance it seems my public record was mixed up with wrong person, however I have no insight into this issue now. 

What type of problem are you having? 
Inability to get public information or the reasons behind my credit score being low. IE : Through my requests it shows as XXXX but through a pull from someone else the score shows as ranges XXXX to XXXX. Not able to get insurance for new car. Not able to figure out what issues are happening for my records. 

What happened? 
I attempted to purchase a car out of necessity and had to co-sign with someone else because of the issues with my credit and possible identity. 

What company is this complaint about? 
Equifax, XXXX, and XXXX. 

Who are the people involved? 
XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my credit report from all XXXX bureaus that are fraudulent and I have contacted them directly to have them removed but I was told to file this report. Please see the items below.. Equifax Hard Inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX. 
XXXX Hard Inquiries 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 card or prepaid card

My Menards card was declined in the store on XX/XX/XXXX. I called Menards Billing at XXXX, spoke w/XXXX  who said the account has been closed due to " months and months '' of non-payment. I explained my current bill ( XX/XX/XXXX thru XX/XX/XXXX ) showed {$330.00} due on XX/XX/XXXX, which was paid in full on XX/XX/XXXX. Further, there was a {$62.00} payment made on XX/XX/XXXX, so there was no " months and months '' of non-payment. I did miss my XXXX payment, however I also explained that I had called Menards Billing regarding my bill each month to let them know I was experiencing hardship due to an XXXX injury resulting in XXXX to my XXXX XXXX, requiring XXXX in early XX/XX/XXXX, which left me unable to work during all of XXXX and most of XXXX. I also explained at that time that I now have new employment working for the XXXX XXXX system, and my income is increased substantially. XXXX was apologetic, however he said the account has been closed and nothing further can be done. He welcomed me to apply for new credit if I still wanted to do business with Menards. I never received any notification of impending account closure, neither via phone call or email, and my account was paid in full on XX/XX/XXXX. In addition, when I log on to my account billing, it shows a current balance of {$0.00} with available credit of {$3500.00}, giving appearances of the account being active and in good standing. Please assist! I would like for my account to be re-opened in good standing with no reduction in credit. Thank you, I appreciate your expertise!
Product: Credit reporting or other personal consumer reports

I have review my consumer report and I noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have provided screenshots for in the complaint on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand that these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thank you! Please see the screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX years ago, after maintaining an XXXX score with Equifax XXXX XXXX, and XXXX XXXX my Equifax score inexplicably dropped to the mid-XXXXXXXX. I have reviewed my Equifax summary and currently Equifax only has XXXX sources or lines of credit, they see. 

( See enclosed Equifax summary-Equifax score XXXX ; XXXX XXXX, XXXX XXXX Note Equifax credit report summary-total lines of creditXXXX ; credit utilization XXXX XXXX  ) XXXX Summary of Accounts shows over XXXX accounts in satisfactory status ( see enclosed ) Despite all certified information provided to Equifax, Equifax continues to send me computer-generated information without addressing the issue and without reporting the multiple accounts the other XXXX major credit reporting agencies have available. 
I never get an explanation of why they cant correct this problem. 

Equifax will not update their files or respond to me in any way after multiple certified letters providing information to them. I am able to provide a XXXX-page XXXX of documents resubmitted to Equifax XX/XX/2021 which appears to have been ignored as Equifax has not addressed or acknowledged the situation nor has it made any changes in recognizing the multiple accounts that are known to the other XXXX major credit reporting agencies. 

Over the past XXXX years I have made several attempts to Equifax using certified mail requesting Equifax to update my active accounts by providing Equifax my identification and lines of credit that XXXX and XXXX are aware of ( all of which are in satisfactory status. ). 

My most recent response from Equifax XX/XX/2021 stated they were unable to locate a credit file in our database with information you provided, in order to further assist, we will need additional documents to verify your identification etc. 

I again sent Equifax XXXXnformation certified with the dispute number, my address, a copy of my Social Security card, a copy of my drivers license, a list of former addresses, and proof of several open accounts that Equifax no longer keeps a record of. 
Equifax will not update their files or respond to me I am grateful for any help you can provide in this matter, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon learning about my identity tdelete this thread yesterday they I sent emails to to the companies that I have accounts with such as PayPal In an attempt to help fix my damaged reputation and limit it, However today XXXX today I received appointment back print XXXX from PayPal upon learning about my issue I issue they banned me permanently from their systems for what they call or refer to as increased risk and suspicious activity Causing my identity to be further they're damaged and my reputation further damaged it is now my customers will ask XXXX will ask what has caused PayPal to ban him?