23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXXXXXX from XXXX XXXX XXXX XXXX on XX/XX/2023. TD Auto provided financing and is listed on my contract. Today, XX/XX/2023, marks almost XXXX weeks from that date and TD Auto has not funded my loan. I talked to the dealership on XX/XX/2023 and was advised that TD Auto signed for my contract on XX/XX/2023 and has agreed to fund within 3 days. Again, today marks almost XXXX weeks and the loan still hasnt funded. Ive called TD Auto twice and was advised they can not help me and the dealership advised they have contacted TD Auto multiple times without a response. XXXX currently in possession of and driving a vehicle without any legal ownership, while my previous loan with a separate lender is nearing delinquency due to delayed funding of the new loan which prevents the previous lender being paid off. I also have a hard inquiry from TD Auto and no loan. The delay in funding also prevents me from making payments and could potentially run me to be delinquent on the new loan with no repercussions from TD Auto.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company placed me in a financial wellness program in XXXX of XXXX, effectively bringing the loan current. All payments from XXXX of XXXX thru XXXX of XXXX were made on time. I use a third party bill payment service with electronic receipts to prove all of the payments were in fact made on time. I have electronic receipts from my bill payment service in addition to my bank statements which relect all of the payments from XX/XX/XXXX -- > forward were in fact made on time. 

After noticing a sudden XXXX point drop in my XXXX score ( I was alerted through the service ) I immediately pulled up my credit report and saw it was attributable to a 30 day late mark randomly posted in XXXX of XXXX. This 30 day late mark was posted well ahead of when the XX/XX/XXXX payment was even due. This is random not accurate reporting to the credit reporting agencies. I called XXXX and spent over an hour on the phone with a customer service representative providing confirmation numbers for each payment, and I was assured an investigation would take place and the 30 day late mark for XXXX of XXXX would be removed because the payment was no where near due. This never happened.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. i am not sure if this is some mistake as i assume it has to be. i have not been able to get help and them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

As of XX/XX/2022, Equifax is reporting that I have 2 closed accounts with balances from XXXX and XXXX XXXX and XXXX. These accounts do not show up on my XXXX report. Equifax has failed show any signed contracts that I have for these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the above date and approximate time, XXXX XXXX XXXX positive Identified by Illinois Driver License # XXXX Victim of Identity Theft. XXXX XXXX stated he noticed fraudulent activity of his credit report and didnt give permission for anyone to open and establish a XXXX XXXX XXXX account nor purchase a vehicle. XXXX XXXX also provided information that he was stationed in the XXXX XXXX XXXX XXXX XXXX on active-duty status from XX/XX/XXXX, through XX/XX/XXXX. XXXX XXXX stated he noticed that fraudulent activity when he started to receive information about the purchase of a vehicle. On the date of XX/XX/XXXX ( offender ) unknown at this time. Opened a XXXX XXXX XXXX account # XXXX without the knowledge and permission of XXXX XXXX XXXX in the amount of {$15000.00}. Using an expired Illinois Driver License of XXXX XXXX XXXX that was turned in to the Illinois Secretary of State Office. The offender was able to purchase a vehicle from XXXX XXXX of XXXX on the above date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Section 602 A- States I have the right to privacy. 15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX was supposed to send me an e-mail or an e-bill for the remaining balance on my account. I made a first payment on XX/XX/XXXX of {$300.00}. There was a remaining balance, and XXXX XXXX said they would send me another bill. I didn't receive the bill. XXXX XXXX sent my bill to a debt collector. The debt collector goes by RMP Receivables Management Partners ( RMP ). They called on XX/XX/XXXX and said I owed {$330.00}. I called XXXX XXXX to ask what happened with billing me? XXXX XXXX didn't try to contact me -- until the debt collector called. I paid RMP the {$330.00} owed. Now this is showing as a problem on my credit. Help me please!
Product: Credit card

XXXX XXXX XXXX XXXX card fraudulently opened on XX/XX/24. Discovered when a bill was received on XX/XX/24. Credit freezes and disputes placed with three credit reporting agencies. Will file a police report and credit company on XX/XX/24.
Product: Vehicle loan or lease

In XX/XX/2017 I became a payment behind it is due the XXXX of each month and I paid it on the first of the following month which made in the area of 15- 16 days late. They have been charging me a late fee of XXXX each month i have done this. I had no problem paying the late fee but around XX/XX/XXXX i found that they were not applying the late fees payments towards the late fees but to my principle balance. So my late fees started piling up. When i realized what they had done i sent them an email asking them to apply those payments to my late charges and not my principle balance. This was never done. That however is not what my complaint is about I received a call from them regarding the continued late payments and they offered me a deferment of the outstanding balance. We all agreed and two payments were deferred to the end of the loan. Now the next installment is due and the late fees are on there. I was told the balance including late fees would be deferred, so when i got my statement it had a XXXX late added to it along with the XXXX dollars in late fees i stilled owed. When i called them to point this out I first got the same story from the first rep i talked to then she put me on hold to review my account and a second rep picked up the phone and stated that late fees do not get deferred and that the XXXX   dollars i paid was for a deferment fee.

I understood that what the XXXX dollars was for and that i was instructed by there rep when I initially did this that they would be, I also told the rep that I did not have a problem paying the late fees of XXXX dollars still owed. my Problem was that they were charging me another XXXX dollar late fee for the late fees not being paid. So they were they charging me a late fee on a late fee. One not to sure if that is legal they say it is in the contract, however i do not believe you can contract away the rules or law, which i told i felt that the contract was in error and i just missed that clause if there, but i am paying for misleading information on there part and no where does it state that i need to clear the late charges, not even in the letter of verification they sent. I went ahead and payed the late fee with the new payment. But feel that this practice is not legal and defiantly not very moral all I wanted was the XXXX dollar late fee waived not to much to ask for their error I think. So know I turn to you to check out fi they can indeed charge a person a late fee on an outstanding late fee amount. Enclosed is a copy of the different letter as well as the last two months statements, of which may does not show a late fee being accesses and XX/XX/XXXX with the assessment of a late fee, very confusing.
Product: Credit reporting

In XXXX 2016 I mailed a letter to Transunion that they received in XXXX 2016, and I have yet to get the results of the investigation. I reviewed my credit report, and none of the accounts that I requested to be disputed were marked as " Consumer Disputes Account '' .On yesterday evening, I contacted Transunion and spoke with a representative that stated they had received my letter however when she asked what accounts were disputed ( mind you, she was supposedly looking at the letter I sent ), none of the accounts had been disputed. I asked to speak with a supervisor in which I was transferred to someone that represented himself as " XXXX XXXX '' ( alias name as this person was also in XXXX ). He also pulled up the letter after I explained the dilemma and he advised that per the letter, I did n't ask for the accounts to be disputed but he stated the results were mailed out on XXXX XXXX. Now I was really confused, if you did n't perform an investigation, how in fact could there be results sent of an investigation? I advised him that if in fact an investigation was performed then the accounts disputed should be noted as " Consumer Disputes Account ''. I finally got frustrated enough to thank for his time and move on as he was obviously just reading from a script. I contacted Transunion 's special handlings department this morning and spoke with XXXX, who advised they had only placed XXXX items from my request in dispute which were the XXXX items that were the second page of my request. I did confirm that they did receive the request in its entirety which was XXXX pages, she confirmed. Apologetic, however, she was unable to offer a remedy to the problem besides wanting to put the items under dispute at the time. I advised that this was unacceptable and against FCRA in the sense that they received the letter and failed to perform the investigation according to what was written on my letter. They violated them sending the accounts over the creditors within 5 days of receipt of my letter, BIG FCRA violation. I asked to be transferred to their legal department as I wanted to get the information as to where and who I can send my motion to that I will file with my local court. I was transferred but received the typical voicemail in which I did leave my file #, name and phone number and to which I am now awaiting a response ( if I ever get one ).
Product: Payday loan

I recently acquired a XXXX loan from castle pay and they said my first payment would be nothing but interest, I 'm ok with that but nowhere did it say that I would end up paying over XXXX for a XXXX loan. The truth and lending statement was not presented to me until after everything was done and I went looking to see how many payments I would have to make. A years worth every other week. That 's. A lot. I would appreciate if someone would investigate this. They are deceiving people. Wish I would have done more investigating before I took out this loan. Learned my lesson
Product: Credit card or prepaid card

Discover provided me the option to lock/freeze my credit card in order to pay down debt. Now they are refusing to unlock my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i requested my bankruptcy to be removed from XXXX   XXXX  they responded saying a decision would be made in 30 days it is now XX/XX/2020 60 days has passed with no response back i also disputed with, experian, XXXX XXXX and XXXX  to remove that information also they're response was the information will stay on credit report because Bankruptcy court had verified the information i attached an email i received from the United States Bankruptcy court here in XXXX, Tn that stated they don't verify information to any source i have provided proof for credit reporting bureaus to have this information removed and neither one has done it.
Product: Credit reporting or other personal consumer reports

I am writing to you in hopes that you can assist me with proper credit reporting laws and the violations that these companies keep doing to me. Ive read where you have sued Experian for not properly investigating and reasserting thing back onto consumers credit reports. These companies have violated my rights and are now threatening me all the while they are inaccurately reporting information on my consumer credit report. Please help me as I am facing underwriting for a home and this jeopardizes my likelihood to acquire shelter for my XXXX  children. 

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

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. 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 - These accounts are inaccurate. The days late is inaccurate. Experian is reporting different information than XXXX and XXXX. Since credit reporting agencies must correct or delete inaccurate, incomplete or unverifiable information, Experian SHOULD NOT have different information than the other two credit reporting agencies. They said they have verified these accounts as accurate, so how is it that they have actually verified these accounts if they are still inaccurate? Furthermore, I have repeatedly asked for information regarding how they have verified my account and who they spoke to in order to obtain accurate verification. Experian has failed to respond.
Product: Credit reporting

Hi there. I have a dispute to report. I cancelled an XXXX XXXX card last year. Right before I cancelled it I paid the balance down to {$0.00} and was told that I did n't owe anything else on it. And the end of last year I was notified by Trusted ID from Equifax that an XXXX payment was overdue by 90 days. I was shocked to learn this. I think contacted XXXX about the matter. They admitted it was their mistake and brought the account balance back to {$0.00}. They also gave me a {$70.00} credit towards a bill on another XXXX card that I still have. They also said that they would tell each credit agency what happened and clear my credit of the mistake. I spoke to Equifax this week and they said that there 's still a late payment being reported for XXXX and XXXX of last year. Can you please contact XXXX XXXX and tell them to fix this matter? I take my credit score very seriously and it was in Excellent standing before this wrong doing. Thanks for your help and I look forward to your response.
Product: Credit card or prepaid card

Account was opened on XX/XX/22 with Comenity BJ 's My Perks MasterCard. Since that date various charges have been made, but XXXXomenity BJ 's My Perks MasterCard continues to post no rewards. The terms of the XXXX XXXX offer 3 % on most BJ 's purchases, excluding alcohol, tobacco, lottery, gift cards, cell services, and optical purchases. 2 % on dining out and non-BJ 's gasoline, and 1 % on all other MasterCard accepted charges. Despite these conditions being part of the credit card agreement, no rewards are being credited to the account for purchases made to date, and the online services list incorrect reward percentages. Please review the attached documentation. 
According to calculations on the Rewards Activity sheet, Comenity BJ 's My Perks MasterCard owes {$14.00} in Rewards. Furthermore, pursuant to the Summary sheet they do not even credit the same awards that they issue on the activity sheet. The Summary Sheet should accumulate {$32.00} in awards available, and {$0.00} redeemed. 

Comenity BJ 's My Perks MasterCard does not respond to direct secure messages or phone calls to their customer service center. 


..
Product: Payday loan, title loan, or personal loan

I applied for a personal loan in XXXX of 2022 and was approved. I got an email saying funds were deposited but I never received anything. I reported it to them several times. They asked for my bank statements to prove I never received them and I sent them. Since then, this has been reported to my credit fraudulently because I never received any funds. I am also getting reminders for payments. I have tried reaching out several times and asked to a supervisor and conveniently, they are never available. I have also filed a complaint with the XXXX. I just want this to be taken care of and taken out of my name. They lied about funds being distributed and are fraudulently reporting information to the credit agencies on a loan I have never received.
Product: Debt collection

I never had a contract with XXXX XXXX XXXX and I do not owe Walmart XXXX
Product: Debt collection

I received a delinquency from Radius Global Solutions for a XXXX XXXX account that was opened in XXXXXXXX XXXX I, a lifelong NJ resident, have never been to XXXX or know anyone that lives there. 

I called Radius and they told me that the only way to resolve this is to send them a copy of my government issued ID. There is no way that I am going to send an issue of my ID to a debt collector for a debt that isn't mine. I also called them on Monday XX/XX/XXXX twice. On my first call I asked for some sort of proof that it is mine, ( I mentioned contract with my signature or something tying it to me ) the operator told me that it does not work that way and asked if I would like to settle it. 

Once again, I am not sending a copy of my ID and some other personal document to a debt collector to verify that I am not the account holder. There has to be some other way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to retrieve and dispute information from my Equifax report since XX/XX/2022. I have called and have gotten several poor excuse no one can point me in the direction of retrieving my information the last update on my credit from them was XX/XX/2022. I have no access to my file, I have applied for apartments and they too cant retrieve any information from my account! I spoke to a fraud representative who advised me that they would fix my account yet to no avail, my disputes are being ignored wrong addresses wrong accounts wrong names several accounts that I have flagged for fraud still nothing done! This is very troubling to not have access to your own report and XXXX need this addressed as soon as possible as Im attempting to move and no apartment can access my credit through Equifax! My information has been breached several times through the carelessness and lack of consumer assistance from Equifax! Their fraud department has been no help and I have lost many apartments due to their lack of providing correct information to these businesses!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account on my credit report have not being verified, XXXX agents will not transfer me to a Manager or someone I can speak and look at the violations they are committing on my credit file. 
I have been disputing these accounts because they are not reporting accurately. 
USDOE /XXXX  this account does not belong to me. I have checked with the company and they have no information of this account. Most likely it was a duplicate account. 

US Department of Education XXXX This account was charged off and marked as last day of activity XX/XX/XXXX but have day of last payment XX/XX/XXXX. Makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase had someone call me while my wife was in the hospital for XXXX complications. They offered to lower the amount of my payment if I could pay it off immediately which was fantastic so I did it right then. What I didnt realize is how this showed up on my credit and the repercussions for doing so. My wife gave birth and then I found out what this did so I immediately called chase and said I wanted to pay off the difference of the settlement and did not realize what this did to my credit report. The person said they didnt think I could but was going to check into it since it was not explained to me. They were supposed to call me back and never did. This process was not explained to me and I was in a very bad place with my wife having XXXX difficulties during COVID restrictions at the hospital. All I want is to pay off the difference so this shows as paid in full. It doesnt seem like a difficult request to satisfy a debt but it has been a nightmare
Product: Student loan

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2016.