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

XXXX XXXX investigated a complaint I initiated with XXXX XXXX reporting a charge off on my credit report. There has been 7 years from the date of the first missed payments based on XXXX XXXX investigation. 
XXXX XXXX loan XXXX ( 1 ) last payment received was XX/XX/XXXX for {$9900.00} with a high balance of {$6000.00} XXXX XXXX XXXX XXXX ( 2 ) last payment received {$10000.00} on XX/XX/XXXX High balance of {$7000.00}. XXXX XXXX loan XXXX ( 3 ) last payment was XX/XX/XXXX {$9600.00} High balance of {$7000.00}. they all have purchased by another lender - Paid in full /was a charge off. Est month and year these item will be removed XX/XX/XXXX. Seven years from the Date of the first missed payment for all three loans was XX/XX/XXXX. The investigation shows payments weremade, however this contradicts XXXX XXXX statement of XX/XX/XXXX. 

Request the XXXX XXXX loans be removed immediately from XXXX XXXX XXXX Eqifax credit reports based on incorrect reporting information, or 7 years from the date of the first missed payments. Estimated date XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Loan was created online. Studying TILA and consumer law. I never received my rights to rescind. I sent the paper work to them to rescind. they received it on XX/XX/2022 and haven't respond back. Their 20 days are up. I need you to reach out because I feel as thought they may be ignoring me. They need to do what the law say to do. This was sent to the registered Agent of the company
Product: Checking or savings account

I dont understand why Marcus  by Goldman Sachs bank USA doesnt offer us checking accounts only savings when they claim to be a bank its ridiculous they should add checking to their portfolio and offer more products
Product: Credit reporting or other personal consumer reports

These Inquiries & Accounts are incorrect since i do not recognize them, please investigate them and delete them : Account : XXXX XXXX XXXXXXXX Account number : XXXX  Balance : {$120.00} Date opened : XX/XX/year> Inquiries : 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 XXXX XXXX XXXX XXXX
Product: Consumer Loan

Ally financial charged me a late fee of XXXX for a late amount of XXXX. I contacted Ally via their web site ( which states a XXXX response time to complaints/comments ) twice without any response. I did n't realize I was short on my payment for XXXX As soon as I received a note from Ally - on XXXX/XXXX/15 I scheduled a XXXX payment. How does a bank get to charge 100 % late fee. Today XXXX/XXXX/15 I received another note from Ally saying they are charging me another XXXX plus XXXX. This is crazy. Additionally about 3 months ago I called Ally and requested an audit of my loan because I felt Ally was not crediting my payments correctly. The agent told me Ally does not do that - she absolutely refused and advised Ally has no executive services for handling customer complaints. Please investigate this lender they are terrible.
Product: Credit reporting or other personal consumer reports

XXXX There were inquiries that I didnt authorize on my credit report all inquiries thats on XXXX XXXX TransUnion there are unauthorized use some one have been using my information I have not applied to any of these companys
Product: Credit card or prepaid card

On XX/XX/2023, I made a payment to my CareCredit account for {$480.00}. This is a credit card that allows you to make promotional purchases at a 0 % interest rate for a period of time ( six months ). 

I currently have four promotional charges on my account that I am working to pay down as quickly as possible to take full advantage of the deferred interest. 

Their website does not allow me to allocate where my payment is applied. Instead, I must make the payment and then request a representative to allocate my payment. I waited several days after making the payment and then reached out to a representative to discuss how I would like my payment to be allocated. 

I requested that the first promo purchase ( made on XX/XX/23 ) receive {$120.00}, the second promo purchase ( made on XX/XX/23 ) receive {$82.00}, the third promo purchase ( made on XX/XX/23 ) receive {$120.00}, and the fourth promo purchase ( made on XX/XX/23 ) receive {$150.00}. I was assured by the representative that this action would be completed. 

Several days later I was reviewing my account, and while no money was missing, my payments were not allocated as I requested. This makes it more difficult for me to track my payments and balances. The allocation does not reflect my request for any of the four promo purchases, and left higher balances on some of the older purchases, which if not paid off before a certain date will accrue and interest charge. The majority of the payment seemed to go to my newest promo purchase. 

When I reached back out, I was disconnected from one chat representative, and then the second one listened to my request and told me it would take up to 60 days to correct the allocation. Already with a sour taste in my mouth I can't say that I trust anything is actually going to happen to fix this issue, nor do I think 60 days is a fair wait for an action that was not my fault. I requested to speak to a manager and was given an incorrect phone number by the live chat rep. I looked up the number on my card ( which was different than the rep gave me ) and was connected to two agents, both of whom hung up on me when I began to ask for assistance in relation to the misallocation that occurred on my account.
Product: Payday loan, title loan, personal loan, or advance loan

Previous complaint XXXX Was not ever resolved I am still waiting for the company to give me my money back. I can not get in touch with anybody. They will not answer emails. You can not call them. Their phone does not work. They have stolen the money. Can you please refer back to the complaint that number that is referenced above.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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

I contacted XXXX  and XXXX  about 2 inaccurate accounts that did not belong to me. 
There are also 6 inquiries that I explained that they were done by identity theft that my personal information was compromised due to a data breach and I was told to contact the companies directly and didn't remove them. because of these, it has caused my credit score to become distressed and caused me to not be able to support getting things I need for day to day living. so this is why I'm reaching out for your help to correct this situation as soon as possible.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$230.00} ; XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$39000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$590.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of this name must be removed. 
Addresses. Only the address XXXX XXXX XXXX XXXX, NC XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX And the address XXXX XXXX XXXX XXXX, LA XXXX They must be removed immediately In the birthdate/year of birth field XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX " this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. 



Late payments XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX  Late payments XX/XX/XXXXXXXX  Account name XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX  XXXX account number XXXX date opened XX/XX/XXXX late payments XXXX XXXX XXXX XXXX Accounts to be deleted XXXX XXXX XXXX Account number XXXX. This account is reporting Collection account. {$570.00} past due as of XXXX XXXX but this is a collection account legally, a collection account can not be reporting as a past due balance as the account already has been sent to collections. This account is reporting in accurately and must be removed from my report immediately. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within four business days As permitted by federal law
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX reported onto all of my credit bureaus in the amount of {$2600.00} as a derogatory account. I have no knowledge of this company and believe it to be fraudulent as I was part of the Equifax breach and had my information stolen. I have reported this to all three credit bureaus through dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX to no avail. I still have not received a single piece of paper from either XXXX or any of the credit bureaus about this issue. Are they in league on this or what exactly is going on here?? I demand that this issue is resolved immediately.
Product: Credit card or prepaid card

Capital One Secured MasterCard website states : " if you make your first 5 monthly payments in time you will get access to higher credit line with no additional deposit needed, you may also earn credit line increases based on your payment history and creditworthiness " After 12 months of payments in full and on time I asked for a credit line increase. I received a declination letter that stated " Unsecured credit line increases are not available upon request on Secured Card Accounts '' clearly contradiction and false advertising
Product: Mortgage

I was approved for the homeowners assistance program in XX/XX/XXXX and have been receiving payments since then. My mortgage company was recently sold to Shellpoint and I am missing mortgage payments that HAF has said they have sent to Shellpoint. I am given no answers when I call and talk to Shellpoint and I am in fear of losing my home. I need answers as to where my missing payments are. My mortgage payment was due on XX/XX/XXXX and HAF informed me that they sent the payment of XXXX on XX/XX/XXXX. Shellpoint can not locate the payment and will not apply it to my account.
Product: Debt collection

In XXXX  I bought a car from XXXX XXXX XXXX. After XXXX year paying my fees I missed XXXX payments and my car was towed without any prior notice. I was away for almost XXXX weeks due to my job and on arrival I got to know my car was sold. The XXXX informed me that the amount they sold my car covered towing expenses and we are all set. Taking into consideration the the total sale price XXXX $ with XXXX $ base price and my XXXX XXXX and all the repairs Ive already done to car I was sure they just took advantage of me. But decided not to take any actions at that time as Ive just lost my job due to the pandemic. What a surprise I got when after almost XXXX XXXX I have received a notice from a collection. Therefore now I want to verify my debt and ask the collector to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. XXXX that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
Product: Mortgage

XX/XX/2021 Payment sent for XX/XX/XXXX payment. Select Portfolio Servicing will NOT apply to XXXX payment and posting to my past due amount that was covered in forbearance. They never said the XXXX payment had to be sent or received after XXXX of XXXX. With the delay in postal services, I sent immediately after I was told. I want to be able to modify the mortgage after coming out of forbearance. SPS will not apply the payment and forcing me into a bad credit situation. They applied my payment to past due. Every person you speak with will tell you a different story.
Product: Credit reporting

XXXX / XXXX XXXX = XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX ) ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX ) ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX : XXXX D.O. B : XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX ) I paid into XXXX XXXX over XXXX and all the rest of my bills I paid in over XXXX Tell me how am I supposed to live if I ca n't use the credit cards to buy enough for me to make it from one week to the other without my credit score dropping back now under poor. I am ready to say XXXX all the credit cards and just live, because the more I pay the lower my credit score get. On top of that you are giving out my person information without my permission and having all these collection agency calling my phone using up my minutes. Before I started trying to straighten out my credit Because they had me mixed up with someone else, I did n't get all the harassing phone calls. Now they call hours of the day and night, and even on the weekend. They refused to remove any hospital bills that have not replied back to them in 90 days they just bound them from on collection agency to another. So this is and knows winning battle. There I will cease in paying any bills because you drop my score by XXXX to XXXX point each time and when you bring it back up it always by XXXX point. Which do n't help me at all? If anyone else is having this problems make sure you post it for everyone to see the un-fairs dealing you have with all XXXX Collection Agency. They bound them back from XXXX agency to the other causing you nothing but pain. 

This is drive up my score, that is the reason a lot of consumer do n't pay their bills, because the more they try and work with these collection agency, the harder they make it for anyone to want to pay a bill by bounding them back and forward, stressing you out. I want them to stop given out my person information without my permission, driving up my cell phone bill to make the cell phone company happier. 
Collections XXXX XXXX XXXX provided by &
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report TRANSUNION Dear Sir/Madam , After TRANSUNION completes its investigation into the account related to the letter sent on XX/XX/XXXX, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. XXXX XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX AND XXXX XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the TruthinLendingAct.
Product: Payday loan, title loan, or personal loan

I am writing this complaint because I believe Freedom Acceptance Corporation ( FAC ) has violated my consumer rights. FAC financed a fee called Voluntary Debt Protection Coverage ( in the amount of {$230.00} ) to my loan, in which I believe this product is in violation of the Military Lending Act ( MLA ). The another violation is of Fair Debt Collection Practices Act on this account, FAC was inaccurately reporting the balance of my account on my credit report. 

Timeline of Events : On XX/XX/2020 I saw that I had an outstanding debt with FAC in the amount of {$700.00}. 
On XX/XX/2020 I contacted FAC about this outstanding debt and they informed me that it was now with XXXX, a collection company. I knew the outstanding balance was incorrect and the interest they added to the loan was in violation of the Military Lending Act interest cap of 36 %. They were charging 56.19 %. 
On XX/XX/2020 I filed a complaint with CFPB ( Complaint number XXXX ) reporting this MLA violation on AmSher. 
On XX/XX/2020 XXXX responded that they would be returning the debt back to Freedom Acceptance Corporation. They also provided copies of my contract which shows that FAC financed in a product that is in violation of MLA. 
On XX/XX/2020 I contacted FAC and once again they have transferred my account to another collection agency, XXXX XXXX XXXX XXXX, as of XX/XX/2020. 

I believe I owe {$0.00} due to the fact that they financed in a product that is not allowed into this loan and collected 35.95 % interest on that product for the whole term of this loan. They also are inaccurately reporting the amount due on this loan to the credit bureau. In addition to they continue to transfer this invalid debt to other debt collectors.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Im being attacked for someone causing 4 hard inquiries to my credit report. I already complained about XXXX XXXXXXXX XXXX and XXXX XXXX XXXX Today I received a new email from XXXX reporting a new inquiry from SYNBC/American Eagle , institution I never asked any credit at anytime in my life.
Product: Checking or savings account

They gave me XXXX over drift fees XXXX times