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

Koalafi was advertised at XXXX XXXX XXXX in XXXX, CO as a way of paying for expensive repairs. Traditionally these services are similar to credit cards with a loan amount and an interest rate. The predatory nature of Koalafi is that they disguise their advance of money as a " lease '' and not a " loan ''. In the process, if not paid back within 90 days they charge a fee rather than an interest rate on the loan. On a {$1.00}, XXXX advancement not paid back in 90 days a fee ended up being {$2300.00}, for a total payback of {$4200.00} or nearly 120 % cost of money. Part of the problem I have with Koalafi in this practice is that they set an automatic payment up out of the gate that nearly pays off the balance in 90 days, but ends up being just short. Additionally, the advancement is set up entirely online without any consultation of details of the advancement. Had I been paying roughly {$50.00} more per month my advancement would have been paid off in time. I am disappointed with XXXX XXXX XXXX for not being more diligent with who they partner with and trust with their customers, but absolutely disgusted by the predatory practice of Koalafi and how they disguise their product as a " lease '' and get away with XXXX customers in need with what ends up being close to 120 % in interest. I received the advance in XXXX of XXXX
Product: Debt collection

Balance is wrong. Fell into a financial crisis. Multiple surgeries. Covid pandemic
Product: Mortgage

NU World Title of XXXX XXXX LLC ( XXXX ) XXXX financed my house about 4 years ago. The XXXX XXXX XXXX still have the previous owner name and they say there is missing documents and requirements that never were delivered by NU World Title company. Not only this is an inconvenience that it was financially covered during the purchased of my house, but I replaced the entire roof and now I can not get the final XXXX approval because the house is not on my name on the XXXX. Also, I am a veteran, XXXX, and I can not get my property tax discounts because the house is not on my name. I am concern now if I will sell the house that I will have also issues with that. After several months requesting support, they still delaying the process with no details of what is happening nor a resolution date. I am afraid there could be some illegal issues here around this process. Plus I believe VA loans have some requirements that I believe are not met due to this issue. I really need your help to solve this problem. 

Thanks XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem I am having is that I contacted XXXX and I spoke to XXXX from this company and I had informed him that the only address that should be showing on my credit report I also disputed a lot of information that wasnt correct on my report I said to XXXX do you guys keep mistakes on people credit report because you guys get paid this way and he said I am correct this is not fair to me and there are violating.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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: Debt collection

In XX/XX/2018, I tried to apply for a new apartment that was cheaper in rent so that I could save money and repay my student loans. My employment contract was terminated so I am doing all that I can to make arrangements. When I submitted and paid for apartment rental applications, a rental report agency said that they had adverse debt collection on my record from Access Group. I tried to get this resolved and I was denied an application for rental from 4 places in one month because of this WRONG and ILLEGAL attempts by Access Group to ruin my credit and ability to meet my financial and economic needs. Because of this, I lost over {$100.00} in rental application fees and was unable to move to a cheaper and more rent-friendly apartment so that I could save money and pay my student loans. These actions by Access Group are UNACCEPTABLE and I NEED your HELP to remove this from my reports. Access Group has repeatedly refused to work with me and I have no where else to turn. PLEASE HELP!!!

I have filed previous similar complaints against Access Group and yet they continue to user threats and to unreasonably and unnecessarily interfere with my credit. HOW am I supposed to make these student loan payments if Access Group threatens and harasses me with debt collection and damaging my credit without even attempting to resolve the issue with me?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$0.00} - - -No Data Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number not available Date Opened XX/XX/2015 In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with ( XX/XX/XXXX, XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


(XX/XX/XXXXL XXXX, XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Deletion of Inaccurate Late Payment Entries Dear XXXX I am writing to dispute inaccurate information on my credit report under 15 U.S. Code 1681 ( Fair Credit Reporting Act, FCRA ). Upon reviewing my credit report, I noticed that late payments have been reported on my account ( s ) for the following [ account name or number ]. I believe these late payments are either incorrect or incomplete, and I am requesting that these entries be investigated and removed from my report as per the rights afforded to me under the FCRA.

The relevant law under 15 U.S. Code 1681s-2 ( b ) requires that the furnisher of the information ( in this case, the creditor reporting the late payment ) must investigate any dispute within a reasonable period of time and correct or delete any inaccurate or incomplete information. Based on my records, the reported late payments were either processed incorrectly, or there were circumstances that led to incorrect reporting. 

The following account ( s ) are disputed : XXXX XXXX XXXX  / XXXX XXXXXXXX Late Payment Date ( s ) : The entire reporting is inaccurate I respectfully request that you investigate this matter with the relevant creditor or lender and remove the reported late payments if they are found to be inaccurate or incomplete. I also ask that you send me the results of your investigation and the updated version of my credit report once the corrections are made.
Product: Debt collection

I never received XXXX bill from their offices, I have asked among other things in my day XXXX/XXXX/XXXX dispute a copy of the contract signed by my accepting the terms and conditions of these bills and my obligation to pay a bill it is not proof of debt, can be printed using any format an amount allegedly owned, and still you can not blame a guy for this, send me the number of licensed to collect in Florida, explain how these calculations were made Provide me with your license numbers and registered agent, are obliged to do so, otherwise you are violating the law by the law corresponds me under Fair Debt Collection Practices Act and Fair Credit Reporting Act, any document without my signature lacks validity, after XXXX I can get XXXX dollars for defamation of character in a lawsuit, no arguments, no verifiable accounts have to be removed is clear and concise law, they can go up as well if they have evidence that I received his correspondence with receipts post signed by me as received I request a letter of consent that the account will be closed on your system and will no be transferred to another agency
Product: Debt collection

I reached to XXXX XXXX XXXXXXXX, a few times to let them know that they sold the account to a collections agency. Despite, me paying the monthly balance with First Source of this card it is still being negatively reflected on my credit report with XXXX  XXXX XXXX. Attached is a copy of the debt on my Credit Report.
Product: Credit reporting or other personal consumer reports

A XXXX credit card has sbown up on my report with a missed payment from XX/XX/2022. I am not the correct owner and my report shows authorized user. I never approved this. I do not have access to this credit card. You have the wrong person.
Product: Credit reporting or other personal consumer reports

EXPERIAN 1. Account Name XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly. 
This collection account is reporting not only as OPEN but also shows past due balance of {$190.00}.

According to FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. 
Please provide a copy of my new credit report reflecting the account removed upon completion. 

2. Account Name : XXXX XXXX XXXX, I Account XXXX XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly. 
This collection account is reporting not only as OPEN but also shows past due balance of {$13000.00}. 
According to FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. 
Please provide a copy of my new credit report reflecting the account removed upon completion 3. Account Name : XXXX XXXX XXXX AccounXXXX XXXX XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly. 
This collection account is reporting not only as OPEN but also shows past due balance of {$320.00}. 
According to FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. 
Please provide a copy of my new credit report reflecting the account removed upon completion. 


4.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00}
Product: Debt collection

I viewed a copy of my credit report and saw collections listed on it that I know I do not have. I have written to the companies and to the bureaus on more than one occasion to have them remove these negative listings on my credit report and I have not received any response from them. I have not even seen on the credit report where they entered it as being disputed when I viewed a recent report. 
They are even reporting late payments on my credit report and I never had a late payment on any of my accounts. These negative reporting are affecting my credit scores and I want to get a mortgage but they are ruining me.
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. Account # XXXX, XXXX XXXX ; Account # XXXX, XXXX  XXXX ; Account # XXXX, XXXX XXXX  ; Account # XXXX, XXXX XXXX System ; Account # XXXX, XXXX ; Account # XXXX, XXXX ; Account # XXXX  XXXX ; Account # XXXX, XXXX  XXXX 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 an 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. 

Below are the details of the discrepancies I have identified : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have noticed a series of fraudulent transactions on my credit report, including purchases and withdrawals that I did not make or authorize. 

I am extremely concerned about these discrepancies, as they have already had a significant adverse impact on my creditworthiness. It is crucial that these inaccuracies are promptly addressed to mitigate any further damage to my financial standing. 

Assist me in the process of reporting the identity theft to the Federal Trade Commission ( FTC ) and obtaining an identity theft report. I understand that addressing identity theft can be a time-consuming process, but I urge you to act swiftly to rectify these issues and restore the accuracy of my credit report. Your cooperation in this matter is crucial to protecting my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXXXXXXr PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit card

On XX/XX/XXXX2024 I visited a XXXX XXXX office for a XXXX. The upfront payment, before insurance covered anything, was {$410.00}. This transaction fell in the XX/XX/XXXX2024 statement covering transactions from XX/XX/XXXX24 through XX/XX/XXXX2024. 
As of today, XX/XX/XXXX2024, the due date for the XXXX 2024 statement is XX/XX/XXXX2024 with a statement balance of {$730.00}. 

On XX/XX/XXXX2024, the XXXX XXXX office issued me with a refund of {$350.00} given that insurance ended up paying a share of my copay. 

On XX/XX/XXXX2024 I made a payment towards my XX/XX/XXXX2024 statement in the amount of {$380.00} because that's the difference between the statement balance of {$730.00} and the XXXX XXXX office refund of {$350.00}. 

On XX/XX/XXXX2024, this morning, I chat with a Bank of America representative ( XXXX from XXXX, NY ) to confirm that the XX/XX/XXXX 2024 statement balance has been fully satisfied because Bank of America is in receipt of the full XX/XX/XXXX2024 statement balance as a result of the addition of my payment in the amount of {$380.00} and the XXXX XXXX  office refund in the amount of {$350.00}. 

The representative states that a merchant refund does not count towards my statement balance owed and that I must fully satisfy the {$730.00} out of my own money in order to avoid interest, and that any excess funds will be issued as a credit at a later time. I respond to the representative that it doesn't make sense but they insist that if I want to avoid interest, then that's what I have to do " per the credit card terms ''. 

No other credit card provider handles merchant credits this way. Not to mention the amount is nearly half of my statement balance. Why do I have to pay BOA money that they already have, only for them to refund me at a later time? What if it was thousands of dollars? 
This hurts consumers in the way that BOA is receiving an advance on excess funds only to distribute it back to the consumer at a later time. 

Also, their payment screen doesn't have a " remaining statement balance '' option only the total statement balance and current balance. This is deceptive by not clearly providing consumers with an exact amount to satisfy in order to avoid interest. Again, this probably results in consumers overpaying BOA and having to wait for refunds at a later time. 

I may be just one person, but if this is happening throughout their entire credit card products, then hundreds of millions of dollars are being advanced to BOA by millions of consumers essentially an interest free loan. This is not right.
Product: Checking or savings account

I tried to open a new account with a different financial institution and was denied due to identify theft and south state has falsely added me to the company XXXX XXXX If this issue is not resolved I will seek legal action against south state bank. And I know no one was involved with this situation but south state because of the nasty encounter that I had with a employee at a south state location prior to me closing out my account this was the last bank that I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.