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

On XX/XX/year> XXXX financial sold my credit line to XXXX XXXX XXXX XXXX ( XXXX ). On XX/XX/year>, XXXX sent an email stating that they were suddenly closing, which is very strange because my XX/XX/XXXX statement they took the payment, it was a regular statement without a problem. When I sent an email to inquire what would happen to the status of my credit line of {$15000.00} it was just replied that no information was available at that time. When the transfer was made to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  it was done without a formal introduction from XXXX just a sudden email again from Tally that effective XX/XX/XXXX, they could no longer take payments, all of this was very confusing to everyone who had accounts with them, and the email stated to make sure that we made our payments by our due date, my due date was XX/XX/year>. On that day I suddenly get an email from XXXX stating to make sure that I make my Tally payment to them, I am just being told to make a payment to a company that I never signed any agreements with, I do not even know who XXXX  is and now what they sent me is showing that instead of a {$15000.00} credit line I now have a loan for {$9600.00} the balance that was owed to Tally with a higher fixed XXXX showing the large amount of interest fees I will owe. I am so confused due to I never signed up for a loan. I had a credit line and the payments were made before time every month not ever was a payment late or missing. I also had signed up for Tally plus where I paid an extra {$25.00} every month and was charged {$360.00} extra each year for this. There has to be a law here that was broken or violated. My name and my Social Security number and my personal information was just given to another company that I never signed anything with them and right now I still have not signed anything with them. I am just very confused. I am now instructed to pay another company that I never signed to do business with, I signed to do business with Tally XXXX. Others have also posted online trying to find a solution for somewhere. There has to be a law that was violated, a law that was broken and violates my right.
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft, I pulled my credit report and noticed collections on my credit profile that is reporting erroneously. 

- XXXXXXXX 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

XXXX XXXX XXXX XXXX has marked a late payment remark on my credit report this is inaccurate and they refuse to fix this issue. My account was set up on auto pay until i lost my job. I spoke with a rep on XX/XX/XXXX. She asked if i needed assistance because she noticed XXXX bill had not been paid. My bill is due on the XXXX of every month. I sent payments in every 2 weeks until i lost my job. 3 days after i missed my payment i set up a payment arrangement that would allow me to become current for XXXX and XXXX. My next payment was not due until XX/XX/XXXX. XX/XX/XXXX XXXXXXXX XXXX  reported my open end credit plan as 120 days late. USC 1666a states open end credit plans can not be marked as late. i mentioned that to the rep as well as the fact that i was never 120 days late. I have called and spoke with several reps and no one is willing to help. Last rep hung up on me when asking why did are they mis reporting my information XXXX told me to file a complaint and file a dispute. This is unfair to me as a consumer, my information should be reported complete and accurate. I want this information deleted from my credit report.
Product: Credit reporting or other personal consumer reports

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

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 XXXXXX/XX/year>
Product: Checking or savings account

they locked my account for no reason and refuse to verify my identity to unlock my account
Product: Prepaid card

This bank should be shut down. I started a dispute process back in XX/XX/2023 regarding fradulent charges of XXXX on my card and filed a complaint with CFPB. I went back and forth with them. They issued me a credit on XX/XX/XXXX of {$39.00} and reversed it on XX/XX/XXXX. Now i have an overdraft in the amount of XXXX dollars and some change. This bank is defunct based on the amount of complaints filed against it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX, 2017, I learned that XXXX XXXX XXXX  erroneously reported to Experian and XXXX credit reporting agencies that my car loan was at least 30 days delinquent in XXXX  2017. I called XXXX XXXX XXXX to inquire about the claims. The customer service representative did not show that my account had ever been 30 days delinquent since the inception of the loan. The representative further suggested that I dispute the reported information in my affected credit report files. Shortly thereafter, I disputed the claims with both credit agencies. Around 30 days later, I learned that the reports were not changed, but simply updated.
My car loan payments are due on the XXXX of every month. I plan to upload my payment history from XXXX XXXX XXXX that proves that my XXXX 2017 payment was not 30 days late. In fact, the XXXX 2017 payment was made on XXXX XXXX 2017, according to the financing company website.
Product: Debt collection

XXXX XXXX was paid in full on XX/XX/2023 ( see attached receipt ). XXXX XXXX proceeded to send to collections ( see email from XXXX XXXX at XXXX at XXXX XXXX ). As a result, my credit score went from XXXX to XXXX ( see attachments ) forcing me into a significantly higher mortgage rate and delaying the close on my house ( see email from loan officer on XX/XX/2023 ). XXXX at XXXX emailed me on XX/XX/2023 and text me on XX/XX/2023 ( see attachments ) to waive the amount that went to collections and rejoin for {$1.00}.
Product: Debt collection

I have tried to dispute a cable bill with XXXX because it has been paid XX/XX/XXXX. XXXX has yet to remove this balance. I have tried disputing XX/XX/XXXX and XX/XX/XXXX and both times they claim they have accurate information. I have contacted XXXX XXXX the original creditor and they have indeed confirmed it was paid and sent me the receipt and bill. I also disputed with XXXX and they HAVE removed it.
Product: Money transfer, virtual currency, or money service

Beginning on or around XX/XX/XXXX, I contacted my bank -- Chase -- to alert them to fraud on my account. This fraud involved XXXX transactions : a wire transfer in the amount of {$3500.00}, and XXXX withdrawals via XXXX XXXX for {$1000.00} and {$500.00}, respectively. 

I am a victim of employment fraud. After signing a contract, I was given instructions to buy office equipment to set up my home office and was sent XXXX checks via email to deposit into my Chase account. I did so and then sent the wire transfer and cash transactions to the account number they sent me to pay for the equipment. 

The claims team at Chase recorded my complaint and provided a case number. They began a wire recall request, which was denied because I had willingly sent the money. I received a letter from Chase on XX/XX/XXXX to that effect. 

My financial services advisor called Chase but was told " there is nothing we can do. '' I have filed both a police report and an FBI report and am working with a detective on the case.
Product: Credit card

I am unaware of the issue. I have made payments and my account was in good standing. I submitted a 1099A that was accepted by the IRS for full payment of my balance and the remining future months of the year. So If I have provided full payment why has my account been closed? The balance should be discharged per the Trust indenture act and the XXXX filing with the sec which it was addressed to XXXX XXXX XXXX XXXX and address to the correct address as well. Refusal to accept my payment is non-compliance and my next step will be arbitration per the terms and conditions in our agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The U.S Department of Education is posting XXXX charge offs on my consumer report. I want them blocked and removed. I am not benefiting from these accts. If the accounts have been charged off by the government, this means the U.S Department of Education has already received their recompense for the charges and they no longer need to be listed on my consumer report. Also in addition to these charge offs being reported, The U.S Department of Education is also reporting and still saying I owe them this money. Block and remove all accounts from the U.S. Department of Education which are reporting on my consumer report.

U.S. Department of Education - Acct Ending in # XXXX U.S. Department of Education - Accts Ending in # XXXX U.S. Department of Education - Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believeXX/XX/LVNV XX/XX/XXXXaccount XXXX has violated my rights, 15 USC 1681 section XXXX states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Debt collection

Sent letter asking for validation of debt. Proof of claim Request. Pursuant 12 CFR 1024.35, 12 CFR 1024.36, 24 CFR 3500, and 12 USC 2605 and many other things. I have sent it through register mail/ certified mail. XX/XX/2023 They never sent any information or proof and validation of debt. We have no contract with this company. Yet they have publicize our information and now countless people continue to harass us non stop. They have fraudulently reach out to the credit bureaus and damaged my credit because of it. I had to change my phone number because realtors did not stop reaching out about our property. They continue to falsely state that our property belongs to them. Because they loan us money. 
We have never contacted with them and do not know who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} ), US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$6900.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

During a worldwide pandemic portfolio recovery associates file a civil lawsuit against me and have called my cell phone repeatedly using different calling numbers. They have called my wife 's cell phone without any consent to contact my wife, she's not on any old my old debt. This considered harassment! How could any court allow these people to file a lawsuit during this time of extreme worry and fear.
Product: Credit reporting

Credit report not made available online, after completely filling in information online site. Site says my report not available and takes me to mail application ( which requires time and money for stamp, envelope, and mailing - NOT FREE. Must mail an application and wait 15 days - I need report now to monitor credit, not weeks later!!! No explanation why online report not made available. 
Secondly, security id questions are vague and difficult to answer. For example : 1 ) Street you have lived on in past : Offers street name for residential property I own, but not necessarily where I have lived. 2 ) Asks for mortgage closed lender from over 3years ago : I have more than one and its been over three years ago. Must I find my records to answer? 3 ) Asked for closing lender on a vehicle from 2008 over 8 years ago. These are questions I could answer IF I had my credit report, a chicken and egg process going on here!! 
Disappointed-formerly this was a couple of minutes process to get credit report and view online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau from XX/XX/XXXX, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Equifax Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the XXXX should provide to the client 's requests. Here is the concerned account : XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX 2017
Product: Debt collection

First Federal Credit Control sent me a notice of an alleged debt to XXXX  XXXX. I am unaware of any debt owed to XXXX  XXXX. I do not believe I owe any medical bills/debts as I am a Medicaid/XXXX  recipient. However, weather I owe this alleged debt or not is not my complaint. First Federal Credit Control reported this alleged debt to at least one of the three major credit bureaus in violation of the FDCRA. According to the FDCRA I have 30 days from the date of notice to respond asking for debt validation. First Federal Credit Control letter is clearly dated for XX/XX/2019. First Federal Credit Control reported this alleged debt effective XX/XX/2019 which is in clear violation of my rights and has caused my perfect credit rating to suffer. I am XXXX years old and do not have any outstanding medical debts or any other unpaid debts for that matter. First Federal Credit Control insufficient proof of this debt before reporting this erroneous debt to the credit bureaus may cause me denial of credit, adequate housing and higher rent/deposits. First Federal Credit Control would have known that this alleged debt is erroneous and inaccurate if they were not in violation of my consumer rights and followed the federal law and they are aware of this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX  XXXX and the credit bureaus for inaccurate and misleading reporting. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, requires creditors to report only accurate and complete informationthis account is being reported incorrectly across different credit bureaus, violating that law.

I am not requesting a correctionI am demanding the complete deletion of this account from my credit report.

Reasons for deletion : Conflicting and misleading reporting across credit bureaus : Equifax : Reports the account as " XXXX '' with a balance of {$1000.00} and worst delinquency listed as " Bad Debt/Collection. '' TransUnion : Reports the account as " XXXX XXXX as XXXX XXXX '' with a balance of {$1000.00}. 
Experian : Does NOT report the account at all, meaning the reporting is inconsistent and incomplete. 

False and misleading credit utilization : XXXX XXXX is reporting a credit limit of {$300.00} while listing a balance of {$1000.00}, creating a 366 % utilization rate. This is an incorrect reflection of my actual credit usage and a violation of accurate credit reporting standards. 
Violation of my FCRA rights ( 15 U.S.C. 1681s-2 ) : Under the FCRA, XXXX and credit bureaus must report accurate, complete, and consistent information. 
Since this account is being reported differently across the bureaus, this constitutes an FCRA violation, and I have the right to demand its removal.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I purchased tickets online from a seller using my XXXX which is connected to my Bank Of America debit card. Seller refused to give me my tickets FOR THE SAME DAY, i did my part -- spam texted and spam called the seller to send me my money back, paid online to track her down to see her name and address on verify, sent a complaint form to Pennsylvania 's Bureau of Consumer Protection as I was to identify that she resides in that state, which the agent has reached out to me that no one responds from all the mails and calls they are sending to the person 's house, email, and phone number. XX/XX/XXXX Monday I called XXXX and they informed me they can not help me with this matter, then called Bank Of America about this matter and they advised me to wait until the transaction is completely posted, then they can help me regarding this matter eventually. Later on that day the transaction was posted and I was able to file a claim on XX/XX/XXXXXXXX XXXX XXXX  my request to dispute was denied. I was out of the country for the holidays and I was only able to take care of this matter this week, called again told me to call another line, and got transferred again to a line that never picked up. Checked on reddit what I can do at this point, and now my last hope is to submit a complaint to CFPB. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to pull my credit report from Equifax credit reporting agency since XXXX XXXX, XXXX. I am also a paying customer of their monitoring system that I pay every month. This is a service that I was told that was unlimited at any time. I called on XXXX XXXX, XXXX at XXXX XXXX and was on the phone for 2 hours and did not get any results. I also applied for credit with XXXX XXXX on XXXX XXXX, XXXX and was told by the creditor that they were unable to get a copy of my credit report. I also applied for credit with XXXX and was also denied due to no credit report on file. This is a violation of my rights and I have tried to resolve this matter and has been very unsuccessful with this matter. I was told that my credit file is too large. This company previously has taken accounts off my credit and added accounts that were derogatory back on my credit file. These are medical bills that was found not to be mine.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I placed a complaint with the consumer finance protection board ( complaint XXXX ) regarding a collection from XXXX XXXX XXXX . In the response to the complaint, XXXX agreed to remove said collection from my credit report. 

XXXX said the following ; Credit Bureaus were updated and withdrawn XX/XX/2024. To validate the removal we recommend visiting Experian, XXXX, or XXXX. 

After furnishing this information to Experian, they refuse to remove the collection from my report when the debtor themselves says this information should not be there.
Product: Debt collection

I took an online loan with AF247/Advance Financial/XXXX  XXXX. Although the original loan was for {$1100.00} they are threatening to sue me in court on XX/XX/2019 for over {$4600.00}. This is mostly due to the 360 % interest rate that was charged which I was not aware of and far above the state law in Virginia. I had made multiple payments on this loan, but it is impossible to ever pay due to the extreme interest rate. Every payment I have ever made goes to interest, even when I pay above the minimum payment. I dont even understand nor was I ever explained how the balance exceeds {$4000.00} on a {$1100.00} loan.
Product: Vehicle loan or lease

I purchased a vehicle, was going through some tough period, during XXXX and after asked for some differed payments. Now ( Honda XXXX XXXX ) they said this is the final payment of XXXX, I can not afford to pay it all at once. Asked if theres anything or a system to help us break up the payment, and they said no. We were never initially told that it would be a huge payment like this. I really would love some assistance. I believe we are being treated unfairly after paying the loan for over XXXX yrs, because they know it would be profitable to repo this vehicle. Thanks
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : Account- XXXXXXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Debt collection

I'm not sure why this company is still reporting on my credit consider the fact that this was taken care of, and also citi bank is not reporting who they sold the debt to. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's online website never works, and does not allow you to reach a live person. Instead, they want you to mail them the same information - drivers license, SS card, utility bills, etc - over and over again. Then they never do anything - no call back, they don't fix their site, nothing. They have cost me a lot of time and money, and have negatively impacted my life. 
- This has been occurring for over a year repeatedly.
Product: Debt collection

I received a Debt Collection notice for an XXXX XXXX XXXX XXXX XXXX Acct # XXXX and my address in Massachusetts. See attached documents. He does not live at this address.