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

I paid off my XXXX XXXX Credit Card Ending in XXXX for {$10000.00} on XXXX XXXX. I was told on a phone call on XX/XX/XXXX at XXXX CST for 6:07 seconds that the account was closed, paid in full, and no further payment were needed as the account was in good standing. See attached documents proving the card was paid off in full. How can there be late payments on the account if theres a balance of XXXX? Somehow there are now late payments from XX/XX/XXXX to XX/XX/XXXX. I asked Transunion and XXXX to verify the account and they deemed it accurate. My credit report of Transunion XXXX XXXX are still showing these inaccuracies. According to USC 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. 

Thank you for hearing my complaint and I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX Ct, XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX Ct, XXXX XXXX XXXX, NV, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All ( 3 ) major credit bureaus : XXXX  Equifax and XXXX are in violation of Federal Law per Congress which specifies 15 USC 1681 ( a ) ( 4 ) " ... respect for the consumers right to privacy. ''. My right to privacy has been revoked as I did not consent to the reporting of such information nor did I give any written instructions to these agencies to make any oral, written or other reports on me. Violation of this law is confirmed under 15 USC1681b ( a ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. ". The above noted agencies are erroneously reporting information relating to a false, misleading and fraudulent debt by XXXX XXXX XXXX XXXX ( {$25000.00} ). The agencies are also show unauthorized reports from US Department Of Education AFSA ( $ XXXX ) ; these reports have been showing since before XXXX and I have tirelessly worked with the agencies numerous times on my own behalf and through a significant expense to " credit service '' companies. This is STILL continuing to impact my credit, life, reputation and has had adverse action toward my livelihood. The report notes that the balances have been " sold/transferred '' without any information being provided to relating to the sale, how much were they sold for and the associated commission/profit made as a result.

The above noted agencies are additionally reporting multiple inquiries negatively impacting my credit from third-party entities of which I gave no written notice or authority to request or utilize my credit. There are approximately 10 inquires on each report totaling 30.
Product: Consumer Loan

XX/XX/2015 Exeter Finance Corporation debited " all '' of their borrowers accounts " twice ''. My called customer service XX/XX/2015 to pay {$350.00} for my XX/XX/2015 payment. The agent took the payment gave me confirmation & that was it. Days later I realized their were XXXX transactions for a total of {$700.00}. Exeter did not believe me for almost a week. It was 6 days later when they decided to reverse the payments & pushed back XXXX loan payments. Since this event I have been upside down in my loan my LTV is roughly 150 %. For approx. 1 year all of my payments have been going to " interest ''. I have paid roughly {$8000.00} & my Principal balance has only decreased by approx. {$2000.00}. I have called & lodged several complaints as most of all of my payments have been applied to interest even when I send an overage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 credit cards with XXXX XXXX  that charged off. I settled the balance with XXXX XXXX this summer 2020 and was told the balance would be deleted from my credit reports. Despite frequent phone calls to XXXX XXXX  where they have assured me they will correct the balance they have failed to do so. Last month they even reported an increase in the balance! This is ruining my credit score that Im working very hard on to improve. It is illegal that despite multiple requests to all 3 credit bureaus they continue to reply that the balance has been validated. I have the pay off documents that show the accounts have a XXXX  balance but I dont understand how the credit reporting agencies keep saying its verified ... how can the balance be verified if its truly a XXXX  balance but they are reporting balances on both accounts?
Product: Student loan

Several Private Primary Academic to Graduate-Professional Student loans were compromised post final payments disbursed and settlement agreements confirmation by multiple lenders for graduate programs within the USA. Multiple state universities and colleges have filed and successfully submitted ( won ) cases involving money laundering and student loan theft in connection with the graduate dissertations, loan approvals, loan payments to the universities and colleges ( domestic/international ), congressional boyfriends ( XXXX men names none disclosed ) claim of underwriting extortion by my degree issuing schools, consolidated loans scams aimed at former full time employment agreements, stock ( probate scams/ market savings/403 ( b ) /401 ( k ) / Private IRA ) options fraud within majority of US corporate entities and accounts. Inheritance of ( XXXX XXXX XXXX XXXX stock records + acquisition of original & renewal ( bonds/free-sale/booking slots ) options which are being used as active military death threats by several actual and impersonating chiefs warrant officers in advance of organized criminal communities since XXXX.
Product: Credit card or prepaid card

ON XX/XX/2020 made a charge back complaint against XXXX XXXX XXXX for a trip they canceled. 
I wanted the {$8800.00} returned. They refused and I was issued a conditional credit for {$8800.00} On card XXXX. Dispute # XXXX On XX/XX/2020 Citi requested written information regarding the dispute. I compiled. 
On XX/XX/2020 Citi reversed the conditional credit and determined it was a valid charge. 
After numerous phone calls and written correspondence THE CONDITIONAL CREDIT OR INVESTIGATION WAS NEVER PURSUED BY CITI. 
I contacted the XXXX XXXX and the Mass. 
OFFICE OF THE ATTORNEY GENERAL. 
On XX/XX/2020 my credit card received a REFUND from XXXX XXXX for {$8800.00}. I asked for my money. 
On XX/XX/2020 Citi wrote " ..the credit balance is due to the conditional credit ... in dispute ... 
If resolve in your favor ... you can request a refund. 
Citi has used this credit balance to pay my XX/XX/2020 AND XX/XX/2020 statements!? 
I would like my REFUNDED money returned to me, the balance now is {$6000.00} Thank you
Product: Debt collection

Received a call from phone number ( XXXX ) XXXX at XXXX XXXX  on XX/XX/2019. The caller had a heavy accent but claimed his name was " XXXX XXXX, '' and admitted he was calling from XXXX ; the phone number is from XXXX, Mississippi. He claimed I owed a debt of about XXXX dollars to XXXX XXXX XXXX for landline services. I had had my landline disconnected three months ago, and have a hard copy receipt showing I do not have a balance. When I told the caller I don't owe a dime and would not pay, he made a vague threat to " take appropriate action. '' I do not know what was going on, but the caller had my name and address.
Product: Credit reporting

I received XXXX letters from XXXX XXXX dated XX/XX/XXXX regarding account ending in XXXX. 
The XXXX letter Dated XX/XX/XXXX stated they correctly reported the first date account ending in XXXX became deliquent was XX/XX/XXXX. 
The XXXX letter Dated XX/XX/XXXX stated they correctly reported the first date account ending in XXXX became deliquent was XX/XX/XXXX. 

On XX/XX/XXXX aprx XXXX. I called XXXX XXXX at XXXX. 
Customer Service Rep XXXX Stated he was not able to verify any old statements on account ending XXXX. He stated he could not tell me or verify the date of first delinquency. He stated he did not have this information and had no previous statements on this account to provide me with the information regarding this accountI believe that XXXX XXXX does not have sufficient information to verify this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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, credit repair services, or other personal consumer reports

So for over 4 years I have been trying to get this credit card account removed from My credit report. Im XXXX I Closed out this account with the banker which is the same banker who was the main reason for my XXXX payment from Wells Fargo because of fraudulent opened accounts. A simple XXXX $ bill which I paid and closed out the account had bubbles into 67 charge offs and a stain on my credit report. I closed this account out and if this same person is opening fraudulent accounts under me and was fired for this same reason. I reported this information. On my first dispute, my 2nd dispute and now to the executive branch and they are still reporting this on my credit report. It was XXXX $ thats bubbles to XXXX $ with late fees. If you cant make cash deposits with your banker and pay to close account out and actually have them closed out the way they are supposed to be then why do we even have bankers if you cant trust them to do whats right.
Product: Credit reporting or other personal consumer reports

Accounts said I owe company I did not get loans from and they been placed on all 3 credit reports. Information is false.
Product: Checking or savings account

Bank of America has my account on hold and informed me that they would close my account. they say they have the right to close it. I accept it. but they must inform in advance that they are going to close it so that I can stop making payments to that account. I made several payments and they were returned by the bank. causing me inconvenience and additional charges. They returned my rent payment. Additionally, the bank tells me that it will take 14 days to send me the money by mail. I find it unfair of them to play like this with customers XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows : Date of Birth : XX/XX/1985 XXXX XXXX XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my 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 XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Debt collection

To whom it may concern ; I have been receiving calls and now a threatening collection letter to collect a debt or it will be reported to the credit bureaus. I have contacted the original creditor via email to inform them of the calls and that the address on file for me was incorrect. Therefore, I was not receiving the bill. I have since made a payment of {$100.00} on XX/XX/2020 of the {$290.00} balance using my Health Savings Account card. XX/XX/2020 is when I received the first call. However, I must halt future payments due to the pandemic. I informed them additional payments will be made when I resume working. I then started to receive the collection letters. I received one dated XX/XX/2020 which still shows the full balance of {$290.00}. 

Any assistance will be greatly appreciated. I have provided the collection agencies information and the email I sent to the original creditor, XXXX. 

Regards, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NXXXX XXXX XXXX XXXX XXXX # XXXX Professional Recovery Consultants XXXX XXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Original Creditor XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, CT XXXX Email I submitted to the Original Creditor : XXXX on XX/XX/2020 Today I received a call from a collection agency. I was not able to make out the company name but it was regarding a bill. Apparently the address on file is an old one and therefore I was not receiving any bill and my bill was sent to collections. 

I was able to go on your website and make a payment of {$100.00} today toward the {$290.00} balance using my HSA card. However, I will not be able to make any further payments until I return to work. 

Due to the COVID-19 companies such as yourself are suppose to have compassion on the out of work/unemployed/furloughed and or terminated employees and suspend collections and payments due until after the pandemic. Without having income should my bill go into collection during this time? Especially being that the bill has been going to the incorrect address? 

I would appreciate it if my bill was retracted from the collection company it was sent to because the bill is being sent to an old address and a partial payment has been made. 

Feel free to contact me via email, mail or by telephone. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2017, after reviewing my Equifax credit report, I noticed 5 unauthorized inquiries and one inquiry which is more than 24 months old, appearing on my credit file. I immediately contacted Equifax to question the unauthorized which appear on my credit report and to have the one 'aged ' inquiry removed. I was informed by a Equifax representative that I 'd need to contact each company to have the inquiries removed. After contacting the companies listed I was informed by each company that the 'inquiries ' would have to be removed by Equifax . It appears as though the companies have me running back and forth trying to figure this out, however, Equifax is responsible for making sure its entries are accurate and up to date.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$290.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXXXXXX Balance {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The accounts listed below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I contacted XXXX, Equifax and XXXX to reinvestigate the following accounts : 1. XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/2018, Balance Reported : {$5800.00}. 
However, they stated everything was complete and accurate but that is not true as open date, date of last activity and much more are incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly. 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 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, XXXX, Equifax and XXXX are not even in compliance with Metro2 credit reporting. I have evidence to prove my case.
Product: Vehicle loan or lease

XX/XX/XXXX, I was called by a fifth third bank agent letting me know I was overdue on my truck payment. I was busy at work and instructed them I would go online and submit payment asap. A couple days later I believe XX/XX/XXXX, I went to submit payment online, but they locked me out of my account. I called a fifth third representative and they informed me they could set up automated payments so I agreed and he instructed me that it was all setup and that I no longer had to worry about logging into my account online to submit payments. 

XX/XX/XXXX, my car got repossessed. I called the bank and they informed me that payments were not being made on the account. I questioned how that was possible and they informed me auto bill pay was never set up completely. I told her that I spoke with someone in XX/XX/XXXX to setup auto pay and she looked into their call logs and said it never happened. There was a record of me calling but nowhere in the notes did it talk about auto pay. Baffled that they had been receiving payments for months, but all of a sudden they stopped working, I then questioned why I never received a call, like the last time I missed a payment. She told me that they had called a phone number which was not mine, and never was my phone number. The person they called told them I no longer had that phone number, which I never did in the first place. I don't understand how they got that number to begin with when all of my information was submitted through the car dealership, but I guess they simply had more trust in a straangers word over the phone than to actually try to contact me. She also informed me letters were sent to my mailing address, which I never received. 

There has been a giant miscommunication and everytime I speak to them they read off a script and are unwilling to listen to me, saying that it was a lawful repossession that they have all the record they need, even though they weren't processing the fact that they misentered my contact information into their system. Having made no progress trying to speak to the bank over the phone, I reluctantly paid the repossession fee, in addition to the money owed on my account, just to simply get my vehicle back. The bank is unwilling to listen or communicate with me in a manner that accomplishes something for both of us. 

Fifth third bank told me auto payments were setup, which apparently was not done properly. They told me they went through the process of mailing me letters and trying to call, which they did not do. They had my information entered into their system and as a result of all of their errors they deemed my car repossesible.