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

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX & I am including it again., XXXX XXXXXXXX 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 XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX**** Balance : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This is not my account. Has been removed from credit file. And return under other credit collection agency
Product: Payday loan, title loan, or personal loan

In  XXXX  2017, I contact Wilshire Consumer Credit for a car title loan. I was inform that the interest rates were low, and that my payment of  XXXX  a month would be apply to my principal balance which is  XXXX . Other fees were put on the title loan. So here is the issue. I starting paying on the loan in   XXXX   up until  XXXX , 2017 every  XXXX  of the month. and my payoff balance is still at   XXXX   dollars. Which I have paid  XXXX  and nothing has been apply to principal. The representatives have been manipulated in there practice of business. Every time I ask for the loan documents to have to read the contract I never receive it in the mail. I am a   XXXX   year old   XXXX   women who has  XXXX  and   XXXX   XXXX   problems. I have been taken by this company.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report on XX/XX/XXXX, XXXX saw some inquiries that did not have permission. I also attached evidence. 



1 [ Name and date Below ( numbered XXXX ) ] : This inquiry has no permissible purpose to be on my report. Delete these inquiries due to violation of 15 USC 1681b 1. ) Source : Experian XXXX : XXXX XXXX XXXX XXXX Date : XXXX, XXXX, XXXX XXXX. ) Source : Experian Company : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. ) Source : Experian Company : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. ) Source : Experian Company : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. ) Source : Experian Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. ) Source : Experian Company : XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. ) Source : Experian XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX. ) Source : Experian XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. ) Source : Experian XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX. ) Source : Experian XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX has reported to the Experian my 60 day late payment. But Ive paid it off so I have no balance with XXXX but they are refusing to update Experian with this information. I filed a dispute and they keep saying the information is accurate but it isnt because I dont owe XXXX.
Product: Credit card or prepaid card

- called in XX/XX/XXXX to request the New York state Covid relief plan ( 90 days all interests and fees waived ). 
- Amex only provided XX/XX/XXXX-XX/XX/XXXX relief, leading to late payments in XX/XX/XXXX - Amex refused to honor the relief for XX/XX/XXXX ( 8 day gap ) and insists on charging late fees
Product: Credit card

XX/XX/year> I was charged {XXXX} for a past balance from XXXX of XXXX  from XXXX. Not knowing what the transaction was for I disputed it. I agreed that I owed that money. The first XXXX} deducted was never returned to me.On XX/XX/year> I was charged another XXXX. I disputed this also. On XXXX the XXXXXXXX XXXX XXXX} was returned to me. However on XX/XX/year> I was charged the same XXXX again for the 3rd time. I reached out to the bank disputed the transaction and they denied it Im filing a claim before I file a lawsuit in court due to theft. Account number XXXX
Product: Checking or savings account

XX/XX/XXXX {$3500.00} Deposited Cashier Check into Navy Federal Credit Union Account and cleared on XX/XX/XXXX XX/XX/XXXX and XXXX {$1600.00} XXXX Shipper Fee in 3 separate transactions So as it turns out I was scammed, I posted my vehicle to be sold online after negotiating a price with the buyer I receive the following response Sounds good, I would like to make an outright purchase but i'd be paying through cashier check as it comes from my salary account, I can add {$50.00} for holding it for us. The shipper pick up after check cashed and cleared at your Bank. Me not knowing what I know now I assumed this was just as good as cashed so I agreed. I received the check priority mailed and deposited into my account I advised the buyer, we agreed once the check cleared Ill send {$150.00} via XXXX for the shipper payment so they can pick it up and the rest XXXX response Good, Shipping fee as quoted by my shipper is added on the payment sent to you, You are to deduct your money + extra {$50.00} for holding fee and have the rest wired to my shipper, We will await payment clearance before pick up.Thanks and let me know if i can trust you to handle the situation. 
You split the money into two, firstly send {$900.00} and send the remain {$750.00} in few minutes now and get back to me with the screen shot of confirmation to me so that I could forward it to the shipper for the pick up ok. After having issues with my bank I was finally able to send the funds thinking this would be the best way as at the time I assumed XXXX provided protection. Later the seller stated something came up and could not go thru with the sell and asked I refund him I stated no sale is finally kept getting push back and at this point is when the radars went off. I called XXXX to stop the payments as it was pending couldnt do that called the bank to stop the payment that stated was already sent and nothing could be done until posted to dispute. Well I did the dispute and of course the bank declined it stating I sent the funds to the person. Even after explaining the situation, trying to get ahead of it, providing attachments of the ad and text conversation with the buyer it wasnt enough. I thought the bank was to protect me! Yes I sent the money but that was done because the check cleared an posted, i didnt know the funds would be available even though the check was not verified, why did the bank clear the check if it hasnt been validated? The bank misconception couldve avoided this. 

I will never use XXXX again, its like the intentions is to support the ones who are running these scams.
Product: Debt collection

Is reporting this unknown debt to all 3 credit bureaus and I have no knowledge of the debt. I was too young to even know how to even sign up for an account with this company when it was first supposedly to be opened in my name. 

CREDENCE RESOURCE MANAGE Last reported XX/XX/XXXX {$780.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 1 yrs, 0 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX a company called I.C. SYSTEM, INC Report to my XXXX credit report a debt collection for XXXX mobility of {$1800.00}. On XX/XX/XXXX the same amount of {$1800.00} was reported to my credit report as a collection account by a company called XXXX XXXX XXXX. The original creator was XXXX XXXX. Complaint number XXXX. On XX/XX/XXXX another company call me with intimidation and yelling me to pay the debt. This is a fraud I don't have any account with XXXX. I want to stop this, every time I resolve the issue appears a new company with the same issue and they just report the debt to my credit and affect my credit score. I been fighting with this for 4 years. I blocked my credit a year ago trying to stop this.
Product: Credit reporting or other personal consumer reports

Wrong address on rental report, fraud since I lived at XXXX XXXX XXXX XXXX XXXX ca XXXX
Product: Checking or savings account

On XX/XX/XXXX, I was notified of fraudulent transactions on my business checking account with Navy Federal from the XXXX XXXX. Checking the statements, i noticed transactions from as far back as XXXX. After speaking with my business partners and making sure neither one of them made or authorized the transactions, I called Navy federal and filed a claim. I also went online and searched XXXX contact information and reached out via email and told the rep of the unauthorized transaction. She told me she could see that transactions was not authorized by anybody with my email or name but since it was fraudulent charges that my bank had to go thru my bank to file the dispute which I told her, I just had done. About a week goes by, I tried to login into my business account and it was restricted. I immediately call navy Federal and one of their security reps basically treats me like a criminal and questions the claims that I had filed and did I have somebody else influence me to file the claims. Then she tells me the account is going to be permanently restricted and they would let me know the updates of the claims. I received an email about 2 weeks later that the claims have been denied. Navy federal failed to ever contact XXXX and dispute the claims and denied them off 0 basis. I told them that I can get a police report if needed. Ive attached the email communication between me and XXXX and a photo of all the unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is showing three accounts that are not mine. I have filed fraud with them and out a fraud alert on my credit burea account. The three accounts that are fraud and not mine in my experian account are : 1. XXXX XXXX $ XXXX XXXX XXXX 2. XXXX XXXX XXXX {$450.00} 3. XXXX XXXX- {$500.00} These are fraudulent accounts that are not mine. 
Experian is showing the following fraudulent charges. 
1. XXXX XXXX {$500.00} 2. XXXX XXXX XXXX {$450.00} 3. XXXX XXXX XXXX- {$2100.00} XXXX  is showing the following fraudulent charges. 
1.LVNV XXXX- {$500.00}
Product: Credit card

Hi, I opened a Citi Business Advantage Credit Card last year in hope to use it for my small Business but have been very disappointed on how this credit card is being managed by Citi. 

My concern is that they have seriously impacted my ability to carry on my business transactions because they invariably without notifying and proper cause put holds on my account that do not make sense. 

In this specific incidence, I have a credit limit of {$20000.00} and pro-actively made a payment on XX/XX/XXXX for {$17000.00} before the due date of XX/XX/XXXX to ensure that I have liquidity/credit on my account. But I just found out that this has not been credited to my account and invariably a hold has been put on it till XX/XX/XXXX. This has happened several times before and I have spent countless hours with their incapable offshore teams that educate me that they can do nothing about it. 

It is sad that even after requesting escalations and asking to speak to a US team I have not gotten any help in this matter and I am stuck in a dire situation. 

I need Citi to have effective US based customer service to help me on this issue and make sure that this does not occur again. I also need some sort of compensation for the time and anguish I have gone through multiple occasions on this matter with them., They have no proper checks and balances on their controls process and have a very bad customer service management process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputed this account and won same debt with a different debt collector the account was turned to closed account then removed now it's back as a derogatory collection the have the wrong information the account was open like 5 years ago I'm aggravated cause it just damaged my perfect credit score that I been working hard onIn accordance with fair credit reporting act convergent account # Jefferson capital syst # XXXX XXXX XXXX XXXX # Has violated my right. 15 u.s.c 1681 section 602 A. States I have right to privacy. 15 u.s.c 1681 section 604 A section 2 : it's also state a consumer reporting agency can not furnish account with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a lot of misuse of my consumer report due to fraud. I need to update my personal information to have an accurate credit report. This is not the selling of my name " XXXX XXXX '' " XXXX XXXX XXXX '', my name is ONLY spelt XXXX XXXX or XXXX XXXX XXXX. My phone number is not " XXXX, XXXX, XXXX '' my phone number is only XXXX. My address is NOT " 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. My address is XXXX XXXX XXXX XXXX XXXX FL XXXX. My employer is NOT " XXXX XXXX, XXXX, XXXX, XXXX XXXX ''. My employer is XXXX XXXX.
Product: Debt collection

I have received a debt collection letter for something i never had. The state that the services done is not a state i have ever been to. the state the services being billed for is a state outside of my current state and is false. I apparently received medical care at an emergency department which i never have been to. I receive all my care at one location which is the a gov hospital. The bill sent to me for a collection amount of XXXX for services done is false.
Product: Debt collection

NCA has bought a debt from XXXX XXXX for XXXX. Supposedly in my name. Ive disputed this account information multiple times with all three credit bureaus the debt is not mine. After the nca continously has denied my disputes I called XXXX XXXX  corporation myself. They have no loan information regarding my name that even matches this account that is here say being said mine they confirmed they didnt have any loans for myself currently or previously. That the information was a facade and not to pay it I then disputed it again and yet again theyve denied my dispute this is a huge negative factor and the only one I negatively have on my credit reports and its very much negativly impacting my score being that it is the only thing I have in collections because Im not paying for something that isnt mine
Product: Debt collection

Phones were fraudulently taken out under my name and as a result i ended up having to owe this debt. After having this debt removed it has poped up on my credit reports again after solving the problem in the beginning.
Product: Debt collection

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt collection agency claims I owe them. On XX/XX/2020 a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. the Bureau of Medical Economics made no attempts to contact me or provide information. Not only did the Bureau of  Medical Economics fail to provide the information required by law, but they added an additional frivolous duplicate account to my credit report.
Product: Debt collection

I was notified through XXXX  XXXX  that I had a collections I had no idea about from XXXX XXXX  which I didnt know was even open. I had no recollection of this going to collections because I didnt get any letters to my house. This happened in the midst of XXXX and I had to return home but I dont recall having to pay anything to the property, now I owe {$2200.00} I had no idea of.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> mailed a letter tracker ID XXXX to EXPERIAN demanding the immediate removal of this inaccurate information and request an updated copy of my credit history report. 
DELETE FROM MY CREDIT ACCOUNT XXXX XXXXXXXX SHOULD BE DELETED FROM MY CREDIT REPORT. 
TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I't been over 6 months and no response or deletion from my credit history and it's hurting my availability to obtain credit. Please Help, Thank you!
Product: Credit reporting or other personal consumer reports

I received a copy of my Equifax credit report, and noticed some late payments that needs to be deleted. It is as follows : XXXX XXXX XXXX Your agency has committed a violation of my federal and consumer rights ; evidence is provided in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is detailed below. 
15 USC 1681b ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I did NOT give your agency written authorization or written instructions to report this information. 
Your agency has not only committed aggravated identity theft but has also falsely accused me of defaming my character, to name a few damages that may be awarded in court, in addition to violating the Fair Credit Reporting Act. 
As detailed below, XXXX, Equifax, and XXXX have also violated my consumer rights. 
15 U.S. Code 1666b - Timing of payments ( 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. 
The disclosure of this information not only violates federal law but also constitutes aggravated identity theft and character defamation against me, similar to how your agency has harmed me ( 15 USC 1666b ) by failing to obtain my written consent to report such information. 
Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed the alleged listed account. I sent a request for verification of the debt to the creditor in XX/XX/2022. After XXXX  days of no response or update, I reached out to the creditor again to gain information of the alleged debt. Its been roughing XXXX days and I have yet to receive a response or any information about the alleged debt. I am aware of the law stating that the creditor has XXXX  days to complete the investigation. At this point, this alleged debt is now illegally posted on my credit report.
Product: Mortgage

Currently the website to make payments is not working : XXXX XXXX XXXXmyloancare.com It appears there was some sort of data breach that is impacting the website- I have been attempting to access the website since Wednesday XXXX XXXX XXXX  Based on the recording when calling in the reps do not have the ability to take or apply a payment, they do not have access to even look at an account. 
This is extremely inconvenient for mortgagees. There has been not notice sent either regarding the possible data breach or next steps to complete a timely payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit card. 
I have not used my credit card in well over 18 months. 
It does not even work. I reported this issue to them. Furthermore, there were fraudulently charges made in or around XX/XX/XXXX of this year for about {$30.00}. I had no idea there was any activity on the account. The credit card company issued about {$120.00} in charges related to this single charge not being paid. When I became aware of this around XX/XX/XXXX, I brought the fraud to the company 's attention. I also, to protect my credit, paid by check by phone over {$140.00} ( XX/XX/XXXX ) to pay off the balance while they investigated. This was to prevent the right hand not speaking to the left and a charge off occurring. This is because I have a XXXX credit score to protect. I am in the middle of a refinance. I also have business credit cards that rely on my personal credit history. All got harmed because of XXXX XXXX being incompetent and unhelpful. 
Yesterday, I was on the phone with them for over 2 hours reviewing XX/XX/XXXX - the money I paid -- where did it go? On XX/XX/XXXX, from XXXX XXXX, I paid online another {$47.00}. Where did this payment go? Why is the current balance on XXXX XXXX showing {$140.00}. They have violated my rights under the Fair Credit Act. The account should be XXXX balance or even negative. They need to restore the credit card to good standing. I do not want to close the account. And they need to update the credit bureaus to reflect that this was their error and they improperly reported. I have identification numbers on the employees I spoke with. XXXX '' XXXX '' XX/XX/XXXX -- he could not locate where my two payments went. He transferred me to escalations. I spoke with XXXX. I spoke with XXXX. {$100.00} are bank fees. {$13.00} are interest charges. They need to remove these. My account ends with XXXX The credit card has an expiration of XX/XX/XXXX. I have been a client of their since XX/XX/XXXX. I have called them over 6 times since XX/XX/XXXX and they are not helpful. They keep saying this is en effort to collect a debt .... And then they ask me to start over again. I ask them what do the notes say? Why am I having to repeat myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX report shows a joint credit card on my file as having a balance of over XXXX and late when not only is that account closed but the balance is {$0.00}. This error is causing my debt to credit ratio to be extremely high and is negatively impacting my credit. Additionally, this shows as a 30 day late when this is not accurate as NO bills were sent to me after moving and with USAA locking me out the account i had no way to determine the status of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a secured XXXX XXXX in XXXX that became overdue, then was closed due to personal and financial problems I was having a few months after obtaining the card. The account was sold to a collection agency. 

Now, some 3 years later I have paid off every dollar and cent related to the account to the collection agency listed below. The problem is the account still shows on my credit reports as closed/derogatory, even though I paid it in full. 

I have written debt forgiveness letters to XXXX and mailed them by USPS delivery confirmation mail to XXXX, never to hear a word/response. I simply want the account TOTALLY DELETED from all my credit, or instead of showing as derogatory/ closed, they can show it as paid in full, because it has been. 

Again the card issuer was XXXX however the Collection Agency was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX at Phone number XXXX They sent me a letter saying the XXXX account was paid in full as of XX/XX/XXXX with their reference number XXXX. 

I desperately ask this negative be completely deleted-removed, or reworded to show paid in full. I am trying very hard to obtain my first ever Federal Rural Housing Loan and my FICO scores are close, but due to this negative, they are not close enough. This one negative from XXXX is killing my chances of getting the loan. If I still owed XXXX money I could understand the bad wording on my credit report, but I do not owe XXXX a cent so they should delete this for me at the least, or change the wording to PAID AS AGREED. 

Sincerely, XXXX XXXX XXXX I anxiously await your influence,