23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX XXXX to pay my bill in full. I was not in collections. My Bill was {$130.00} and that was withdrawn for my bank account via my debit card on XX/XX/XXXX. I was given a conformation number on XX/XX/XXXX after my debit card information with thruogh The girl handling the call refused to send a text to my phone, an email or a letter with the confirmation number stating I must write it down. So I wrote it down. On XX/XX/XXXX Capio reported a derogatory balance on all three credit bureaus, stating I own them {$60.00} dollars. I have NO CLUE WHERE THE EXTRA {$60.00} CAME FROM!!! This dropped my credit score by 47 points. I called them on XX/XX/XXXX and in the recorded phone call the girl said my bill was paid in full. When I asked why they would create a falsehood I was not given an answer. When I asked about the amount I was not given an answer. I was told it might be corrected in 30 days. So Capio knows that I am paid in full!!! Why is this OK for this business to create falsehoods on my credit report???? Why is this legal for this company to lie and drop my credit score for no reason, to actually lie about it and then take their sweet time to correct this? This will cost me a much higher interested rate damaging me financially or even resulting in a denial for a loan. How is this practice legal???
Product: Credit reporting or other personal consumer reports

You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy.

you furnished my consumer reports without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my Experian consumer report without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was given an amount to get my house out of foreclosure that was being auctioned on XX/XX/18. They said included were all fees, attorney, interest, late fees principle etc. I paid the amount on XX/XX/18 and the auction was ceased. When I received my new monthly bill which should have been for just my monthly mortgage payment of {$890.00} they tacked on additional fees totaling {$360.00}. I asked for the quote that was given to me that totaled the reinstatement fee {$9500.00} and was told they can not send that to me even though that is what they quoted and I paid. So I asked also for the tapes from the last 3 month of the conversations between me and Mr Cooper and was told I can not have them either. If I wanted both of these things I would have to get a subpoena from the court to get the quote and tape copies. Lastly, they state they are my mortgage provider than they say they are a debt collector, which are they? 

I was in the wrong on getting back on my mortgage due to different life changing reasons, this is highway robbery that I feel they are doing to me and probably others. Any help that I can get to receive what I have asked for and to get the {$360.00} removed from my account which I really feel I do not owe. I've been charged enough and paid for it. 

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

I was an authorized user on my then husbands BoA credit card. When we divorced in XXXX, in the divorce decree, he was given sole responsibility for that credit card account. He never removed me as an authorized user however, and even though I tried multiple times to call and be removed, because I was not the primary, they would not remove me. I could not get him to remove me, out of sheer laziness on his part. That cc account has since been paid off and closer, and archived by BoA. However, it continues to show up on XXXX credit Report with me as an authorized user, and bringing down my current credit score and preventing me from purchasing a home on my own. 
I was finally able to get my ex-husband to call BoA and ask to remove me, but the said account is as archived and no longer in their system so they couldnt do anything. I absolutely refuse to believe that by legal divorce decree I had no responsibility, but never had any power to remove myself, and now am stuck with it on my credit report, because my ex husband was lazy, and BoA refuses to step off their misogynistic and discriminatory banking practices and correct the situation by whatever means necessary.
Product: Checking or savings account

My card was charged XXXX and I filed a dispute after 3 months and I myself sent a email from the merchant stating they had no problem with refunding my money and after forwarding the email stating this Chime still denied my claim and all Chime will tell me is the decision has been made already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed : XX/XX/XXXX Assets : {$0.00}
Product: Credit card or prepaid card

I received in XX/XX/XXXX a refund check from Comenity Bank for my ( now closed ) XXXX credit card account ( XXXX sent a notice over a year ago that they were no longer accepting purchases using their credit card ). The check was in the amount of {$340.00} and there was no explanation of what the refund was for. I cashed the check and then on XX/XX/XXXX, I get a bill saying that I owe this amount and the explanation was " XX/XX/XXXX Misposted Payment ''. I called the bank and was told to send a letter, which is attached hereto. That amount sounded familiar and I realized that it was the same dollar amount that was disputed in a claim filed with you against the bank by my mother, XXXX XXXX. That amount was paid 2 days earlier than due ( per her bank statement ), but yet the bank ( which had taken over the XXXX credit card accounts from XXXX XXXX XXXX in XX/XX/XXXX ) added interest and penalties to her next monthly bill. 

I do not have the bill ( s ) showing where my {$340.00} came from and requested same in my letter. I was told it would take up to 90 days to resolve this matter. In the meantime, they have on record that I am disputing it so that there will be no interest or penalties incurred.
Product: Payday loan, title loan, personal loan, or advance loan

We pay extra every month for insurance on our loan. They really pushed the insurance on us because of our budgeting and income. We needed to use the insurance because my husband was laid off from XX/XX/XXXX through XX/XX/XXXX and he was on unemployment. I am completely XXXX without an income and my husband was receiving unemployment. 
The insurance company paid our payment of {$280.00} XXXX through XXXX One Main continued to debit my account XXXX and XXXX, double dipping payments from my bank account and insurance company. We called in XXXX to stop them from hitting our account on XXXX because they would AGAIN get 2 payments. According to my online account and my paper statement, I am paid head until XX/XX/XXXX. 
This morning I awoke to yet ANOTHER {$280.00} payment taken from my bank account. I have a XXXX BALANCE AND NOTHING WAS OWED. 
This unexpected withdrawal caused my electric bill to bounce. I called One Main and asked them for my money back and I was refused. I was told the only way I could get my money back was to stop payment ... ..well ... stopping payment automatically defaults your loan and they'll initiate repossession of the collateral ( my car ). So I'm left with no money, no income, {$860.00} missing out if my bank account that they're refusing to give back ... .and there isn't anything I can do about it. How can they LEGALLY accept monthly insurance payments for hardship, and continue to also debit your bank account. 
They are predators and this company needs to be investigated for insurance fraud. I want my money back!! I have a child here and my electric is about to get shut off.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been compromised and used without my consent. There has been many credit accounts that I do not recognize reporting erroneously. None of these accounts have ever been used or solicited by me.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Experians Failure to Properly Update Credit Report Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this complaint regarding issues I am experiencing with Experians handling of updates to my credit report. Despite providing proof of resolved accounts and disputed inaccuracies, Experian has failed to update my credit report accordingly, and their responses claim that the information has been verified, which is not true. 

For instance : XXXX. XXXX XXXX Account : This account has been paid in full, and I have provided screenshots as proof of payment. However, this update is not reflected on my credit report. 
XXXX. XXXX XXXX Account XXXX Payments : I submitted evidence disputing the accuracy of reported late payments, yet Experian continues to assert that the information is verified without any justification. 

XXXX failure to properly update my report after providing clear documentation of these issues is unacceptable and has negatively impacted my credit score. 

I am seeking CFPBs assistance in addressing this matter and ensuring that Experian conducts a thorough and accurate investigation into my disputes, updates my credit report promptly, and provides transparency in their verification process. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Why Im still receiving emails for the bureaus saying Im helping to third party company which is not true. I'm the one who send out letters. Please make an action now or I will sue you. heres the list of negative accounts and inquiries I want to dispute. 

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 XXXXXX/XX/XXXX
Product: Debt collection

The below information was placed on my credit report without any knowledge or company reaching out to me giving me the opportunity to proof that this is not my debt. I have no idea who these people are where this came from. I was contacted by my job stating i have 30 days to resolve this issue. I have made several identity theft reports. it was brought to my attention that all of my personal information to include my email address is on a dark web. I just recently had someone place an order with Macys using my debit card and email address but was sending the items some place else. Im at a lost and don't know what to do, however i don't know who these people are and what this is about and I want this removed from my credit file giving me an chance to resolve the matter. I know i havent purchased anything for {$3000.00}. 

VANCEHUFFMAN Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$3000.00} Balance updated XX/XX/XXXX Original balance {$3000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. 
Comments Placed for collection Your statement - Contact info Name VANCE AND HUFFMAN LLC Address XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Is everything correct on your XXXX credit report? 
You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. 

Dispute with XXXX XXXX by Mail at XXXX XXXX XXXX XXXX, PA XXXX
Product: Student loan

I first reached out to Nelnet in XX/XX/2023 to figure out why the loan simulator calculator was saying my monthly payment would be $ XXXX with the XXXX plan but my XXXX application made it $ XXXX. The phone representative told me she was also getting $ XXXX so she escalated it to the XXXX XXXX  and I never heard back. So I emailed the XXXX XXXX  and they will not provide information on how its being calculated. I have emailed them XXXX more times since then and also sat on hold for XXXX hours twice since then. I have not been provided any help. There is a huge discrepancy in how payments are calculated
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife submitted a dispute with Columbia Debt recovery, informing them that we had given the XXXX of XXXX the two month notice, but they refused to accept it. and sent it to collection. Columbia refused to even acknowledge that we have submitted the Notice and claimed the woods to be correct
Product: Credit card

Billing error 15 USC 1666b 16 XXXX  XXXX and accounting on remittance on interest coupon dividends on my securities certificate of indebtedness Open-End Credit Account : XXXX XXXX public law 73-10 Full faith and credit I maintain an open-end credit account with Bank of America, account number Finance Charges and Credit Indebtedness : It has come to my attention that BOA has not credited my account with dividends derived from treasury coupons via the ETF Act . These funds, which should have been applied to my account to offset finance charges and reduce overall credit indebtedness, have not been properly credited. 1099 Forms : Additionally, Bank of America has failed to provide me with all copies of Form 1099 for both past and present transactions. These forms are essential for tax reporting purposes and must be furnished promptly as they are considered income. Timely Payment and ETF Act Compliance : Under the Electronic Funds Transfer ( ETF ) Act and the Truth in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required under an open-end credit customer credit plan. Certificates of Indebtedness : There has been no transparent communication or presentation of documents regarding the handling of my certificates of indebtedness securities. This lack of disclosure and clarity raises serious concerns about the management and reporting of my financial activities.
Product: Credit reporting or other personal consumer reports

Ive reached out to Chexsystems regarding inaccurate information that's being reported to my file. I tried to dispute the information and upload it to the portal. Chexsystem refuse to allow me to dispute information. I've called and reached out several times and got the run around. Also inclosed is proof that Chexsystem website wont allow me to upload a dispute. The following inquiries are fraudulent : XXXX 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

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

Three unauthorized out of network atm withdrawals were made with my bank which is Chime bank/XXXX XXXX The first transaction was made on XX/XX/XXXXin the amount of {$1000.00} at an out of network bank which was XXXX XXXX in XXXX Florida. The second and third transaction was made at the same atm the next morning XXXX first amount was {$300.00} and the next amount was {$700.00}. I contacted the bank filed the disputes, cancelled the current debit card and transferred me remaining funds to my other bank. The bank informed me on XX/XX/XXXX that they were not refunding my money and were closing the claim. I called and spoke to a Supv in the dispute dept she advised there was nothing they could do and would send me out the details of the investigation and also advised that they would not pull the security cameras at the bank. I then called the police and filed a police report, gave the bank that information and the officers name then today XX/XX/XXXXthe bank advised that they still would not refund my money and the investigation was closed. I have been a long time customer with Chime, Im very upset and disappointed that Im being treated this way as one of their customers. I have emailed, called and I get the same answer there is nothing they can do. I dont feel they are thoroughly looking at my claim and I need my money back.
Product: Payday loan, title loan, or personal loan

Good afternoon, I was scammed by a criminal that opened up a {$7000.00} loan with Affirm in my name. They stated that they were going to walk me through a process to deny a loan however they actually walked me through a process of opening a loan in my name and spent all of the $ off of a virtual card. I immediately filed a police report, as well started a case with the Actual company of Affirm. Affirm sent me an email stating that they investigated and concluded I was not responsible for this loan. The next day I received another email from Affirm stating the XXXX email was a mistake and that the case is still under investigation. I have followed up with Affirm every XXXX weeks since XXXX and they keep stating that I have will receive an email within 3 to 5 business days and I have not received anything since the XXXX email. I have added the copies of the XXXX emails from Affirm. I also filed a police report the day this happened on XX/XX/2023 - Case ID XXXX. I have requested a copy and will add this to my complaint once received. Please contact me at XXXX with any questions.
Product: Credit card or prepaid card

I owed XXXX just over {$4300.00} and I paid it in full. I tried multiple times to close the account but they refused to close it. I tried doing it myself on the app and calling them. They refuse to close the account and charged me interest of almost {$70.00} after the card was paid off. They keep trying to access my bank accounts as well. They will not send me a written bill. All I want is to be debt free but these criminals want me to stay in bondage. Let me go Synchrony Bank!
Product: Mortgage

i am a extremely ill sick XXXX consumer of ameri home mortgage company who refuses to asist me with my mortgage hardship and/pr to modify my mortgage i am in a very difficult hardship position with my mortgage payment need help assistance ameri home my mortgage continuose to refuse assistance and help with my mortgage hardship even though i numerous times have applied and requested them to assist me with my mortgage hardship.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, has violated my rights. 

XXXX5 U.S.C. 1681 section 602 A, states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : No Consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions and crimes which antedates the report by XXXX years. 

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasons cause to believe that the.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$850.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I applied for a payday loan around XX/XX/XXXX and received the funds. On XX/XX/XXXX the loan was paid off in full with cash at a physical store location. On XX/XX/XXXX which was the due date, the company then pulled out the amount from my bank account that I had already paid. So I have paid back the same loan twice. 
I've been attempting to get a refund with no success. I've communicated with the store location the debt was paid at, and with the corporation 's customer service line, and both claim that the refund has to be approved through the corporate department. I asked for the phone number for that department and was told they have no phones and that I can only email. So I emailed them Friday ( XX/XX/XXXX ) and they claimed it should be solved Monday ( XX/XX/XXXX ). When Monday arrived they claimed it had just been submitted and would take 48 hours to process. Now its been the 48 hours and they still tell me they are waiting for the refund to get approved. 
This whole situation has negatively impacted my family and I in immense ways. I feel that the lack of communication and attention on this matter is unprofessional and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMMERCE BANK PROMISED TO COREECT ALL LATE PAYMENTS ON SAID ACCOUNT NO.XXXX, AND UPDATE ALL 4 BUREAUS TO REFLECT CLOSED, PAYING AS AGREED, NEVER LATE. PLEASE CORRECT TODAY OR DELETE ACCOUNT FROM ALL BUREAUS OR?