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

Since the inception of the car loan XX/XX/XXXX, XXXX XXXX XXXX XXXX has failed to report all the payments I made and on time, and I just payed the entire loan off on XX/XX/XXXX, and to date I have not gotten any credit, and they failed to report it to XXXX, XXXX  and XXXX. I have made multiple calls, including communicating to their corporate/office of the president for years, and their answer is " we are working on it ''. 
Last call I made out to them was today and they said that, '' they will look into it and to allow 7-10 business days ''. I will soon be applying for a loan, and credit score and history, especially of a paid off car loan would significantly increase my score which will give me better finance rates. I would appreciate your assistance in this matter. 
Thank you, XXXX XXXX.
Product: Debt collection

I sent {$200.00} to capital one and requested a prepaid card. I was given access. I used the card briefly 60 days or less made one payment and then was incarcerated. Now Im told that I owe {$220.00} what happened to the {$200.00} I put down as a pre-payment? That was the whole point in the {$200.00} in the first place was to secure just in case something should happen where I dont pay my bills so what are the XXXX or dollars go yes I may owe them XXXX something dollars for late fees or whatever which I have propane but Im not paying them {$220.00} and hes fighting me tooth and nail with it. Theyre saying that thats the proper amount Walt Ive asked them what happened to the {$200.00} and no one will tell me anything about it they say that they dont have access to that all they have is the balance thats owed so theres no record of any of it. But you had it sitting there sternly staunchly saying that I owe them XXXX
Product: Debt collection

Im a victim of identity theft someone got my credit card information and used it when I first noticed it I called the company right away and they canceled my card and sent me a new card. They removed the negative items from my credit report and now Im receiving letters from them
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also 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 of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-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 reasonable cause to believe that the information is inaccurate. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove ASAP.
Product: Student loan

I applied for a loan consolidation and income-driven repayment plan ( XXXX  ) on XX/XX/2024. MOHELA processed the consolidation ( but not the income-driven repayment plan XXXX  ) but is reporting both my consolidation loan and the previous loans that have been consolidated, doubling my reported debt. This affects my credit report and debt to income ratio.
Product: Debt collection

In XX/XX/XXXX, I noticed that my credit score had dropped dramatically due to a derogatory mark from North American Recovery for an account balance of {$730.00}. The debt was from the XXXX XXXX XXXX ( XXXX Hospital ). On XX/XX/XXXX, I submitted a dispute with XXXX  because the account was not mine. The dispute resolution did not take the derogatory mark off my credit report as the the collection agency insisted the debt was mine, but they did not provide me any proof of debt. The balance continued to climb and pulled my credit score even lower. On XX/XX/XXXX I visited the original creditor to try and obtain more information about this account. XXXX Hospital said that they had no record of me ever being seen or treated at their facility. On XX/XX/XXXX, I called North American Recovery to try and resolve this. The first person I spoke with, a woman, said they could n't find any information based on the date of birth or social security and that I had to call XXXX to obtain the account number. I called XXXX and they were able to provide me with the account number and helped me file a second dispute. I called North American Recovery again. This time I spoke with a man who kept repeating that this call would be recorded. I gave him the account number and he said it belonged to someone with a birth year of XX/XX/XXXX. I am XXXX years old, I was born in XX/XX/XXXX. The address also did not match. He stated that the original creditor did not have to keep medical records because they had been transferred to them. I requested that he send me all the information that they had on file for proof of debt and provided them my current address. He proceeded to ask my place of employment and best contact number. I did not disclose my employer because I did not feel comfortable releasing that information. He stated that they could only hold the account until the end of the month at which point they would file a lawsuit against me. I am currently waiting for the file they are going to send me and for the results of the second dispute.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XX/XX/XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Citi Bank regarding their handling of my account closure and the subsequent failure to return my funds in a timely manner. 

Citi Bank closed my account and assured me that a check for the remaining balance would be sent within 30 to 60 days. Despite repeated attempts to follow up with their customer service department, I have been continually reassured that I would receive the check within that time frame. However, it has now been over 60 days, and I still have not received the check. 

This ongoing delay and lack of follow-through are unacceptable and have caused me significant frustration. I believe this situation constitutes negligence or even fraud, as Citi Bank is withholding my funds without explanation or reasonable justification. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that Citi Bank promptly resolves the issue by releasing my funds and providing accountability for this mishandling. 

Thank you for your attention to this issue. I look forward to your assistance in resolving this matter.
Product: Prepaid card

I purchased a card on XX/XX/XXXX from XXXX and I put {$400.00} on it and I lost the card within the hour. I called the company visa vanilla gift and reported that the card had been lost. They did not put a block on the card, the card was found and used And they theyve given me two different case numbers now Ive called I have record of calling over just about 20 times. Ive talked to them about 8 to 9 hours since XX/XX/XXXX and Im just getting the runaround every person I talk to the last person I talk to has informed me that they did send Replacement card but to the wrong address now the last person I talked to today which would be three people now that have informed me that they had the wrong address since then they have supposedly corrected it but I dont know
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove collections and late payments remove now!!! XXXX acct # XXXX {$27000.00} and XXXX acct # XXXX {$9400.00} These collections and late payments must be removed asap, i have reported fraudulent activity due to a security breach in a system that contained my personal information. I have been disputing these items since the pandemic and have reported these errors to Equifax, XXXX, and XXXX these companies have failed to investigate and have thrown out numerous complaints and have failed the american consumers by violating the 15 USC 1681 ( d ) disclosure of investigative reports, these companies have failed to report accurate information and thrown out letters instead of investigating the consumer letters and having the best interest of the consumers. They have continued to violate federal law 15 USC 1681 ( d ) even upon investigation from congress with Rep XXXX XXXX where congress findings have acknowledged that these credit bureau failed to investigate and has caused damages for consumers with errors on their consumer reporting. Remove these late payments now or i will exhaust my consumer rights and bring these erroneous errors and hold these companies accountable by going into litigation! 
XXXX acct # XXXX {$27000.00} XXXX  acct # XXXX {$9400.00} Thank you XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX  company repossessed my vehicle, sold vehicle for a profit and have neither awarded me the monetary gains, removed the balance, nor returned my personal property that was in vehicle. 

Repossession agent used in repossession of vehicle requested {$350.00} in cash to not repossess vehicle XX/XX/2022.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as my final demand for the immediate removal of unauthorized, fraudulent, and outdated hard inquiries from my credit report. Despite my multiple disputes and clear notifications regarding these errors, your agencies have failed to take corrective action, in direct violation of federal law. I have exercised due diligence in attempting to resolve this matter amicably, yet my efforts have been ignored. Your inaction constitutes gross negligence, misrepresentation, identity fraud, theft by deception, and the unauthorized use of my credit.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consumer reporting agencies are required to ensure the accuracy of the information in consumer reports. Section 1681b prohibits the inclusion of hard inquiries without a permissible purpose, yet unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX, and other entities remain on my credit report. Furthermore, pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are mandated to investigate and remove disputed information within thirty days. Your failure to uphold these legal obligations leaves me no alternative but to pursue litigation.

Additionally, the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) and Regulation B ( 12 C.F.R. 1002 ) require that creditors and reporting agencies maintain and justify records of credit decisions, including inquiries. The failure to validate these inquiries, despite my formal disputes, is a direct violation of federal law. The continued reporting of these fraudulent and outdated inquiries has significantly damaged my credit, adversely affecting my financial opportunities and my ability to secure fair lending terms.
Product: Money transfer, virtual currency, or money service

Everything goes well before XX/XX/XXXX, I can buy and sell coins through coinbase. Then I deposit XXXX $ to coinbase on XX/XX/2018. And the money number appears in my coinbase correctly. After this, they suddenly suspended my account and asked to add my SSN to complete verification. Then I try many times to use my SSN to finish this verification. But it always fails. I contacted coinbase then, and three months later, i still not get a proper solution ( they only replied me twice ).  Nothing i can do but wait. They can not let me DEPOSIT MONEY AND JUST LOCK MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

Ive requested my early warning disclosure on XX/XX/2025 by filling out a form and then I uploaded to them on the same day. Early warning stated they have 15 days to supply that report. After the 15 days expired and I still never gotten that report I called and was given the complete run around. 

Early warning state that they realize they are past the deadline and that they would expidite report to me and I have yet to still receive it. For whatever reason they keep delaying the sending of my report I called and gotten rude agents that never offer a solution. Early warning is a joke and unprofessional.
Product: Credit reporting or other personal consumer reports

Experian verified an account on my credit report as valid with out the proper documentation and just lie about the status of this account with a balance of {$1700.00}... 

1. I contacted XXXX XXXX  and they inform me they sold the account XXXX to XXXX XXXX XXXX and they stated clearly that this company has paid the debt in full and I don't longer own XXXX XXXX any sum of money and anything from now and forward need to be handle with XXXX XXXX XXXX 2. I contacted XXXX XXXX XXXX true the phone number ( XXXX ) XXXX and indeed they inform me they had bought the account XXXX from XXXX XXXX and had paid the " {$1700.00} '' balance in full and now and forward I need to make any payment to XXXX XXXX XXXX .... 

3. I requested the signed bill of this transaction, sold/bought of account XXXX from bout company and also true Experian and ALL OF THEM HAVE FAIL TO PROVIDE ME WITH THIS DOCUMENTATION 4. EXPERIAN JUST LIE ON THE VERIFICATION OF THIS ACCOUNT, THEY DONT HAVE ANY PROPER SIGNED BILL OR DOCUMENTATION FOR THE SOLD AND BOUGHT OF THIS ACCOUNT XXXX XXXX  XXXXXXXX XXXX IS STILL REPORTING ERRONEOUS AND FALSE BALANCE ON THIS ACCOUNT .... THEY WHERE PAID ALREADY IN FULL BY XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe that there is an error on my account ending XXXX and XXXXThis billing dispute is for past, current and present certificate of indebtedness under this contract. 
Currently my account is being treated as an open-end credit consumer account. Open-end credit is a type of loan that the borrower can draw money from repeatedly up to a certain pre-approved limit. 
Per 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. With this said, the transaction history on my account needs to be corrected. 
I am also aware that Capital One has not credited my account, via the XXXX XXXX XXXX XXXX, the interest accrued upon my treasury coupon. 
Per the IRS publication the creditor, Capital One, is required to send the proper XXXX documentation every year so that I XXXX fill out my taxes properly. 
Per CFR 1026.13 ( d ) ( XXXX ) The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Equifax Information Services on XX/XX/2023, asking for validation of debt according to section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act for XXXX XXXXXXXX XXXX  account number XXXX. I demanded verifiable proof ( an original consumer contract with my signature, Pay-off Discloser, Interest Rate Discloser, Balance History, Payment History, and Credit Insurance ) . I never received the proof or any status of an open dispute.
Product: Prepaid card

I received a gift card from a friend yesterday ( XX/XX/year> ). When I went to check the balance on the unopened Vanilla Gift gift card this morning ( XX/XX/year> ), I saw that there was originally {$100.00} placed onto the card at XXXX on XX/XX/year> at XXXXXXXX XXXX  ( Transaction ID : XXXX ). Afterwards, there was an unauthorized transaction of {$100.00} at XXXX XXXX - XXXX on XX/XX/year> at XXXX XXXX ( Transaction ID : XXXX ). This was a brand new gift card that was still in the wrapping. I opened a Case ID with Vanilla Gift ( Case Number : XXXX ). I read online that this is a common scam and that Vanilla Gift is not responsive but I should file a complaint with Consumer Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of this inquiry on my credit report. I have a current vehicle loan with another financial institution
Product: Checking or savings account

I closed my checking bank account with PNC bank recently. 
Today, I got an email from PNCBank that a new statement is available ( perhaps the last statement ) online.

When I tried to log in online, my login is diabled ( understandable given my account is closed ). 

However, when I asked the customer service for a copy of my last statements, I was told that there is a fee {$5.00} for duplicate statement. I tried talking to them that there is no other way I can access my statements but they told me this is standard policy. 

This is bad policy on part of a big bank who is badly treating the past customers. 
I want this to get highlighted ( and corrected ) if possible.
Product: Checking or savings account

Date : XX/XX/21 Amount : {$5000.00} removed from our checking account Actions : - Reported to Citibank on the same day, Citibank rejected our claim after sending all relevant information about the fraud - Filed with XXXX XXXX XXXX XXXX XXXX, waiting for the court date
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 XXXX/UPSTART NETWORK XXXX INC XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX gained unathorized access to credit report during this process my credit declined as well my creditworthiness. A violation of 15usc1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated and corrected these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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

A data breach of Equifax resulted in the disclosure of my highly sensitive personal information entrusted to Equifax. Equifax was negligent in their storage of my data and is responsible for its protection. They have made no attempt, to my knowledge, to contact me, and evidence suggests that they were aware of the data disclosure for months yet did nothing about it to protect me.
Product: Debt collection

Upon checking my credit report, an account from Credence Resource Management has been reported. I am not aware of the said debt. I mailed a letter to Credence Resource Management asking that said debt is validated pursuant to the Fair Debt Collections Practice Act ( 15 USC 1692 et seq. ), and have not received any further correspondence.
Product: Vehicle loan or lease

I made a payment on XX/XX/2023 and was told on the call this would being my account current and wouldnt need another payment until XX/XX/XXXX. Immediately the next day, I started getting a hunch of automated calls ( some which I would answer and it would connect and hang up ). 
All the voicemails ( many ) say its past due and the letter I received dated XX/XX/XXXX says past due as well. Very frustrated - I cant get on my account online because it says my account is not current. I dont have time to keep trying to answer or call during my work hours. I just want this fix- I was told I was current until XX/XX/XXXX XXXX
Product: Credit card

was charged exuberant deferred interest rate and offered to pay balance off as it had only been a few days since the charge happened and the company declined. ( XXXX months no interest ) seems like a very shady practice and there should be a reconciliation period. i should be able to pay off the balance and avoid this 30 % interest charge.
Product: Credit reporting or other personal consumer reports

With no other option, I'm filing a complaint against all credit reporting companies who use the lack of real-estate ownership as determining one 's credibility and keeping credit scores artificially low based on something that doesn't suggest you lack the ability to be fiscally responsible. I feel it's another tool like red-lining to keep the disadvantaged at a fiscal disadvantage by XXXX  it on homeownership, when only 65.9 % of Americans own homes and those who don't like myself who lives in metropolis areas, don't want the responsibility. Why should we be faulted and penalized for it.
Product: Debt collection

Credit Systems the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.