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

my account ( # XXXX ) with NetCredit was paid off through an agreement with XXXX XXXX XXXX. In reviewing my NetCredit Account History, the initial loan amount was {$5100.00} on XX/XX/XXXX. To date, I've repaid {$11000.00}, of which only {$1100.00} applied to the principal. In XX/XX/XXXX, through an agreement with XXXX XXXX, Net credit accepted a payoff balance of {$4800.00}, with a monthly payment of {$220.00} per month. XXXX XXXX XXXX, have informed me that my loan is now paid in full as of XX/XX/XXXX. The final payment of XXXX was posted on XX/XX/XXXX, to my NetCredit account. However, my account is still showing a balance of {$3900.00}. Not only is this paid off NetCredit continues to raise the reported balance on my credit report. This company continued to report false information on my credit report and refuses to remove it. It is reporting that I have been past due for over 180 days on this account for the last 24 months. This is impossible because they agreed to accept a monthly payment that was never late. I would like this account removed from my credit reports immediately. 
On XX/XX/XXXX, I reached out to NetCredit to resolve the discrepancies and misinformation in my account. They responded, " Thank you for contacting NetCredit. 
In response to your recent email, it is very important that we speak to you. Please call the Collections Team for further assistance with questions regarding your account. While I have noted your account, collection procedures will continue until an acceptable payment arrangement has been made ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the U.S.C 1681 section 602A, states that I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. I did not give permission for my credit report to be pulled. Please remove all of the following hard inquiries from my credit report : 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 reviewed my credit report and found several inaccuracies. I sent a dispute letter to XXXX on XXXX. However, it has been over 35 days, and I have yet to receive a response. This delay is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ). Under 15 USC 1681i ( a ) ( 1 ) ( A ), subject to subsections ( f ) and ( g ), when a consumer disputes the accuracy or completeness of any information in their credit file and notifies the credit reporting agency directly or through a reseller, the agency is required to conduct a reasonable investigation. The agency must determine whether the disputed information is inaccurate, update the status of the disputed information, or remove the item from the file. This must be done within 30 days of receiving the notice of dispute.
Product: Credit card or prepaid card

I placed an order with XXXXXXXX XXXX  XXXX on XX/XX/2020. The order was transferred by XXXX to USPS for delivery. The initial tracking information states that the order was delivered to an individual but after further investigation it was determined that it was not. I have attached email correspondence from USPS verifying that they have not been able to locate this package. I was advised by Comenity and XXXXXXXX XXXX   XXXX  to email them my documentation showing that my package was unable to be located. I did that on XX/XX/2020. I have contacted XXXXXXXX XXXX XXXXXXXX  in reference to this order several times and they refuse to investigate the matter further. As of today they have sent me a letter saying my dispute is closed and to contact the Merchant ( XXXX XXXX XXXX ). I have contacted the merchant via phone and email per their request on XX/XX/2020 and again today XX/XX/2020 and am still awaiting a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts were opened fraudulently. The following accounts still remain on Experian &  XXXX .   XXXX   XXXX   XXXX  , opened XX/XX/XXXX  &   XXXX   XXXX   XXXX   {$590.00}, opened XX/XX/XXXX . The exact same accounts was on   XXXX   however  XXXX  was able to remove the accounts. All  XXXX  bureaus were sent the exact same information to fix the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a 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. 


15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

As of yesterday I received my direct deposit through work as of today my account was closed. I've received several different letters stating why my account was closed but none of them are legit. Chime also says that it's gon na take 30 days for me to receive my money.
Product: Credit card

DEAR CAPITAL ONE BANK ; I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX, XXXX, AND XX/XX/year>. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

XXXX  - XXXX I was never late on this account- Please check the status on this account 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 The following personal information is incorrect. Please remove it from my credit report
Product: Credit card or prepaid card

This complaint pertains to equal access and management of a joint credit card account. 

My wife and I are joint account holders of the XXXX Mastercard, a credit card we have held for over 14 years. Recently, card administration was transferred from XXXX Bank to Capital One. Since Capital One assumed this role, I no longer have online account access, can not activate mobile wallet features for the account, can not make payments, view transactions, or do much of anything related to the card. 

When I call customer service, I can not complete any of the tasks without my wife being present to verify her identity. 

Despite being opened with XXXX Bank as a joint account, Capital One does not treat me a joint account holder. They simply say arbitrarily that my wife is the primary account holder and I am the secondary account holder. In contrast -- and appropriately so -- they do not consider me an " authorized user '', " co-signer '' or " guarantor ''. Both of our credit reports reflect the account as a jointly held. All payments to this credit card come from my checking account and between the two of us, I use it an order of magnitude more than she does. 

Ironically, we are also joint account holders of checking and savings accounts with Capital One as well. However, online access and management of these accounts is unimpeded. The issue is isolated to the credit card. Additionally, it is because I am a joint account holder that I for some reason can not be delegated account management privileges through Capital One 's online dashboard. 

We have other jointly held credit cards where access and management are not a problem for either of us. When the XXXX Mastercard was administered by XXXX Bank, these were not issues. 

Given that both my wife and I are equally financially and legally responsible for the joint account, I believe we are both entitled to account access and management privileges. Unfortunately, I can not function as a responsible account holder without impersonating my wife ( with her permission of course ) either online or over the phone. 

I have called Capital One several times over the last 2 weeks, and spent several hours, attempting to re-instate online access, re-activate mobile payment options, and manage other account-related tasks without effect. I have initiated a complaint with the XXXX XXXX XXXX without resolution. 

If it were not for our interest in maintaining benefits with XXXX, we would simply close all of our accounts no longer bank with Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the opportunity loans account with all three credit reporting agencies and they have continued to say they verified the account and im like I have no idea how they could have through a XXXX XXXX that lacks integrity. According to the FCRA 609 it requires for them to verify it physically and I have wasted money on certified letters for them to send me a generic response. I have started the legal proceedings to seek my monetary damages but I 'm going to give them another chance to verify this account fully. I have disputed this account over 3 times certified mail and I still get a template answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX # XXXX the dates were XXXX. My XXXX XXXX XXXX # XXXX the dates were XXXX, XXXX - 2020, XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my most private personal information to be stolen from their systems in XXXX XXXX. They failed to disclose this theft until XXXX XXXX, XXXX. This put me and 146 Million other consumers at risk for life long identify theft, since the stolen data can not be changed by citizens. 

Repeated attempts to place a " credit hold '' on my account have failed because systems are unavailable, both on-line and by phone. So there is not protection of my accounts. Because I can not change the stolen data, such as social security numbers and date of birth, I am open to identity theft for the rest of my life. 

Repeated attempts to get an up-to-date credit report failed because " the system is under maintenance ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company withheld knowledge of data breach from customers for 2 months drastically increasing the damage potential to XXXX citizens. Credit company improperly safeguarded and released my personal, financial, and employment data without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian regarding XXXX XXXX XXXX. They said that the company said that these were legitimate charges so they stay. I have never been to an emergency room or a doctor that I didn't have medical insurance with a small deductible! There is a new one that has shown up that was opened in XXXX of 2020 and I seriously have not been to a hospital in years! I I do not understand how they are just putting these on my credit. 
Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in CLEAR VIOLATION of the law.

These laws are put in place by congress.

Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The definition of consumer : consumer means an individual. 

The definition of person is : person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity The law clearly states that a consumer report does not include transactions or experiences between the consumer and the person making the report ; I demand that XXXX follows the law. A LATE PAYMENT IS CONSIDERED A TRANSACTION OR EXPERIENCE. 

Does XXXX not consider a late payment a transaction or experience?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, has violated 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 a account without my written instructions 15 U.S.C 16666 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern My name is XXXX XXXX. I am writing concerning the account placed on my credit file by XXXX XXXX. I have fought vigorously in XXXX for this account to be removed from my credit file. Today, I called the county court here in XXXX XXXX  to inquiry about the pending active suit against me filed by XXXX XXXX several years ago via their law firm, XXXX XXXX XXXX. The case number is XXXX. I spoke with clerk XXXX XXXX and she state that XXXX XXXX sent notice in XXXX of XXXX of a non-suit and order dismissing all claims against me with prejudice. But the law firm failed to attach the order for the court to actually dismiss the case. XXXX XXXX has reached out to the law firm many times to send the order to no avail. Meanwhile, the account is still reporting active and passed due on my credit file as it has done for years. I recently was denied a home loan due to this debt and denied credit with XXXX XXXX. Please send order to court to dismiss case and to all credit reporting agencies to remove from my credit file. Attached proof of documentation from court concerning XXXX XXXX and XXXX XXXX. 


XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got my loan in XXXX XXXX on my XXXX XXXX XXXX. Payments were to start in XXXX for {$100.00} per month. I setup auto pay so it would come directly out of my account, however I ended up in the hospital for about a month and during that time they hit my account twice. Since I wasn't working and in the hospital there was not enough money to cover the payments. Why I was in the hospital, the apparently repossessed my car for the {$210.00} I was behind and by the time I found out it was taken, they had already sold it at auction. They sent it to auction on XX/XX/XXXX. I was 2 payments behind. I received no notice, no information from them saying they took it and by the time I tracked it down, they had the vehicle for 3 weeks. On Monday XX/XX/XXXX I made arrangements to pick it up on Friday XX/XX/XXXX with the agent who called me. I received another phone call from XXXX on XX/XX/XXXX who works for XXXX, the collection company for Wilshire Consumer Credit and I told him I would be getting my car Friday and I already made arrangements with them. He then informed me that they sold my car that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I switched cell phone carriers from XXXX to XXXX. XXXX promised to pay off my XXXX cell phone bill, but they never paid the remaining amount, leaving an {$1100.00} balance on my credit file. I paid it down to {$200.00} because XXXX said they would delete it from my credit file, but they never did. Not only was I not responsible for the full amount, I paid it and still it remains on my credit. XXXX said they sent a XXXX XXXX with the balance but it got lost, and they said there is no way they will re send it. I was scammed.
Product: Debt collection

Today XXXX of XX/XX/XXXX, I pulled up my credit score report. I saw one debt on my credit record that I do not recognized at all. Capital one opened on XX/XX/XXXX owed XXXX plus dollars. I am 100 % sure that I am not in XXXX XXXX. Nearly XX/XX/XXXX I started my job in XXXX XXXX. XX/XX/XXXX I was hangout with my friend her name is XXXX XXXX also in XXXX as well. How am I supposed to opened this accounts while I am not in the state. I have my SSN with me while I am in XXXX, and I have never lost it. So I am sure that my identity was stolen somehow. But not sure how. See the document below, I left the state on XXXX XXXX XXXX, I entered the state back in XX/XX/XXXX. 
In the attachment, there is a picture of capital one information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts Appearing On Credit Reports. 


1. XXXX XXXX XXXX XXXX {$3300.00} 2. XXXX XXXX {$450.00}
Product: Payday loan, title loan, personal loan, or advance loan

On Saturday XXXX, I checked my account with OneMain Financial. I have been making on-time monthly payments since XXXX ( XXXX payments made so far ) and I wanted to see my progress on the loan. I discovered that I now owe more than what the company gave me ( {$6000.00} ), even after paying back almost {$1700.00} on the loan. 

Today ( XXXX ) I discovered that OneMain Financial was ordered on XX/XX/year>, to pay {$20.00} million for violations of Federal financial practices by CFPB. I signed my loan paperwork before this judgment was passed. 

When I called the company today, an unknown female was very unhelpful and rude. I explained to her that I've made several payments, yet my loan is now more. Her response was, " you have to factor in the interest ''. Her only solution was for me to, " make extra payments '', to reduce said loan amount. This was never explained to me at the time of signing for the loan. I feel that OneMain is still being deceptive in its handling of loans. 

If I had been aware of ( 1 ) OneMain Financial 's BBB rating ( now a C ) and ( 2 ) their recent judgment in XX/XX/year>, I never would have pursued a loan with this company.
Product: Money transfer, virtual currency, or money service

I have openned a Business Paypal Account and received funds form our sales from XXXX website. email : XXXX BUSINESS NAME : XXXX XXXX Paypal receive these funds {$47000.00} USD and they are not allowing me to withdral my bank account from XXXX XXXX to this paypal account ( they are always showing same error message : there is an error, please contact support. ) Also they are asking me to create an ITIN number in order to let me move these funds to other paypal account. I have applied to an ITIN in USA IRS 5 months ago ( but so far didn't got my number ). So these funds are locked inside paypal. So this is not fair. If they are not allowing me to withdrawal these fund ( because I didn't have ITIN so far ) why they allowed these funds to be deposited in this account in first place? I have a bank account but I am not able to link this account at their system. So I would like to ask to receive these funds by a Wire Transfer or they allow me to transfer funds to a different paypal account. 
I have submited a complaint last month and PAypal said that funds are ready to Withdrawal on XXXX XXXX. I have tried to withdrawal funds today and got no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I am submitting a request to block information on my consumer report as I am a victim of identity theft. This was not a dispute, however the CRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ( a ) Block A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifing information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE AND DO NOT PLACE A FRAUD ALERT UNLESS I SAY SO. The accounts that must be removed are : 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: Vehicle loan or lease

I had a three yr lease on XXXX XXXX XXXX. My lease expired before the XXXX models were released, so I extended my lease on month to month basis until new model year was released. My monthly payment for the extended lease was {$950.00} a month. In XXXX I entered into a new lease. My XXXX lease ended on XX/XX/XXXX. I paid XXXX invoice on XX/XX/XXXX. I entered into a new lease on XX/XX/XXXX as the XXXX falls on a Sunday and there is no way to return or accept a vehicle as dealers are closed. On Monday XX/XX/XXXX, I took delivery of XXXX and returned XXXX. I requested that my XXXX payment of XXXX be returned to me. XXXX XXXX denied my request after repeated calls, saying I should have returned the car on Sat the XXXX. My reply was that 1. I had paid to use that day in my lease 2. my new car was not ready 3.And that the monthly lease expiration fell on a Sunday. They refused, even with me buying a new car from them. Thus I wound up paying {$950.00} for one day of use.
Product: Credit reporting, credit repair services, 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}