23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We first off had told the company that they sold us a broken car and they weren't willing to fix it. We couldn't afford the payments any longer so when they came to pick up the care they threatened to Garnish my husbands wages. After they picked up the car I never heard anything else from them. I never got another call, nor received anything in the mail about what we still owed. I contacted them to ask about this and was advised of what was owed, I asked them to send me something in writing and never received anything. All of a sudden I get served a civil summons for the debt owed and on the paperwork it says I refused to pay anything and they attempted to settle the debt with me and so forth and none of that ever happened. I only knew about the debt from when I went to try and apply for a new loan and was told I had a repo and owed a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried 3 times already -- my Equifax NOW SHOWS LATE MORTGAGE for 60 days late XX/XX/XXXX for XXXX XXXX paid off in XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was out of the country for two years there are a number of inquiries are my report that was never authorized by me called several times trans union with no recourse actions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lost of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I need you to take swift action to eliminate the fraudulent inquiries from my credit report. They were not authorized by me and are causing undue stress.
Product: Credit reporting or other personal consumer reports

I found mistakes on my credit report, so I sent letters to XXXX, XXXX, and Experian explaining the errors and listing the accounts involved. It's been more than 30 days, and they haven't replied. I'm attaching copies of the letters. According to the Fair Credit Reporting Act, my credit report must be completely accurate, but these accounts aren't meeting that standard, violating sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).
Product: Student loan

On XX/XX/XXXX I paid off a federal loan for the amount {$2700.00} ( see attached confirmation ) and I also have paid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for {$150.00} and on XX/XX/XXXX for {$100.00}. ( see attached bank statements ). 

All the above amounts are nowhere to be found on the student loan details and neither MOHELA or XXXX are unable to provide explanations as to where my payments went. While the representatives from both servicer were willing to help, nobody was able to direct me as to who I need to talk to and what I MUST DO to resolve my concerns.

In addition, MOHELA kept on sending me emails that my account has been delinquent.
Product: Credit card

Heres an improved version of your CFPB complaint : Complaint Summary : On Friday, XX/XX/year>, I logged into my Target Credit account website to make the monthly payment for my Target store credit card. I submitted the payment between XXXX and XXXXXXXX XXXX which was the due date. Despite this, Target charged a {$30.00} late fee the same day, recorded the payment as received on Saturday, XX/XX/XXXX, and added an interest charge of {$7.00} on Sunday, XX/XX/XXXX. 

Issue : When I contacted Target the following week to request a reversal of the late fee and interest charge, as I had paid on the due date, I was informed that the payment was considered late because it was made after XXXXXXXX XXXX Target refused to reverse the charges based on this timing, despite my efforts to submit the payment on time. 

Request for Resolution : I am requesting a full reversal of the {$30.00} late fee and the {$7.00} interest charge, as I paid on the due date. Targets refusal to reverse the charges based on a minor timing discrepancy feels unfair, especially given that the payment was made within business hours and on the due date. I believe Target should reasonably accommodate customers who make payments on the due date and not penalize them over an arbitrary cutoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 13 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Consumer Loan

In XXXX of 2010 I purchased a Toyota. I did not know that at that time there were massive recall of Toyotas due to acceleration problems causing death and accidents. The company did not mention this fact. 

A few months later, unaware of this problem, I was driving the car on freeway XXXX south. The gas pedal stuck. I had to drive off freeway almost causing accidents and drive in field until car became stuck in mud. What if I had grandkids in car!!???!! 

So after months of disputes over not paying -- because who is going pay and drive a car that is unsafe, I turned car in to dealer. I have filed complaints about this. I was told that nothing negative would be reported about me to credit bureau. Haha more lies. 

It is on my credit report as Toyota Motor Credit Co. This car was a XXXX, unsafe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX / XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Public Record : XXXX  XXXX bankruptcy filing Docket Number XXXX, has violated my rights. 

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.
Product: Checking or savings account

Robinhood closed my Brokerage account on XXXX. 

There was {$2100.00} available balance in my brokerage account. 

Robinhood sent me an email saying : due to account closure, {$3000.00} was returned to my funding debit card ending in XXXX. As a result, my brokerage account was put in deficit status with - {$840.00} negative balance ( - {$840.00} = {$2100.00} - {$3000.00} ). 

However, my debit card ending in XXXX only received {$2100.00} refund, not the {$3000.00} mentioned by Robinhood. 

I contacted Robinhood about this error but they refused to respond to my inquiry and my account has been put under deficit due to their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated from previous dispute X/X/2018 that majority of the accounts that I stated are not mine, provided proof they were not mine, Experian is saying they were verified. There is no way that the accounts could be verified as mine because I was the victim of identity theft. Experian deleted four accounts on that ground but want to validate the others. Experian is in complete violation of protecting my private information that I did n't give them permission to share in the first place. Also, because Experian falsely reporting on my credit, failed to follow reasonable procedures, and failed to conduct reasonable reinvestigation with respect to the inaccurate credit information. I contacted the Court about the false bankruptcies and they stated that Experian did not contact them concerning the Bankruptcies falsely reporting on my credit report. So, Experian must have verified false information with a third party which is also a violation for misrepresenting to me that you contacted the actual creditor when you did not.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft. As a XXXX XXXX, my identity has been stolen. My consulate advised me to visit the FTC website. I am not proficient in XXXX, but here is the information. Please help me. This account is not mine. Someone used my information. Can you remove it? Here is the account : XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bright Capital Inc, XXXX, is a Mobile Banking App that offers credit services like small loans for credit repair. The only way to access their service is by downloading their app. 
For the last 60+ days, their App has refused to launch on my device. Im using iOS and have uninstalled and reinstalled the app numerous times on my device and it doesnt open. Ive been getting spam emails constantly from them about late payments however they dont have any issues with charging my bank account a {$9.00} monthly fee. They used to have a phone number posted on their website, and that number didnt work. Ive also attempted to email them, and they refuse to respond. 


E-MAIL XXXX XXXX Bright Capital Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in the process of cleaning up my credit matters with all 3 credit bureaus. I found a few hard inquiries that was not authorized by me. 

Target FINTDXXXX XXXX on XX/XX/year>
Product: Debt collection

This debt is not mine. I reached out multiple times asking them to verify this debt and send a purchase agreement so that I can look over and they always just says account updated & verified. This been going on for months. They are not accurately verifying these accounts because this debt does not belong to me.
Product: Credit reporting or other personal consumer reports

Complaint Against ChexSystems for Failure to Provide Consumer File Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX ( Preferred Contact : Email or Mail Only ) Complaint Date : XX/XX/year> Company Involved : ChexSystems , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Issue : I submitted a request to ChexSystems on XX/XX/year>, for a complete copy of my consumer file under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g. To date, I have not received my file, which is a direct violation of federal law.

I am legally entitled to receive my full consumer file, including : All records ChexSystems maintains under my name.

A list of all entities that have accessed my report within the last five years. 
Any negative information that may be impacting my file.

A complete history of all actions related to my consumer report.

Relevant Laws Violated : 15 U.S.C. 1681g ( Right to Consumer File Disclosure ) : Failure to provide my complete consumer file as required by law.

15 U.S.C. 1681e ( Accuracy of Consumer Reports ) : If any information in my report is inaccurate, unverifiable, or outdated, ChexSystems must correct or remove it.

15 U.S.C. 1681b ( Permissible Purpose ) : I have not provided explicit consent for third parties to access my consumer file. ChexSystems must disclose who has accessed it and why.
Product: Money transfer, virtual currency, or money service

To summarize what happened I have been using cashapp for a long time and I was subscribed to XXXX XXXX allegedly but from what I remember if you dont have the money cashapp just declines the transaction for the monthly subscription and it cancels for this specific transaction I was not using XXXX at all or XXXX benefits and next thing I notice is I look at my cashapp balance and they took {$300.00} dollars away from me now thats where my problem started cause then my account was in the negative that was the least of my worries but since my account is in the negative I cant pay them back and they keep adding interest on to what I owe them but the problem is I refuse to pay for the subscription that I havent used except for maybe XXXX month for XXXX purchase and since I refuse I somehow owe them the money from the subscription and the money that I originally owe them plus interest now the money I borrowed I have no problem paying back but I refuse to pay it with the interest added on and the money that put me in the negative because of this subscription and Cashapp never did this to me before like I said originally they usually cancel it and thats that but now they are making it seem like they paid for it or I was receiving the benefits of the subscription when I was not and also the fact that they took a lump sum out with no logical explanation I contacted them but the support is not professional enough and give you sentences that you cant respond to they basically say its your fault and thats that.
Product: Credit reporting or other personal consumer reports

I sent Ava Finance on XX/XX/XXXX via certified mail requesting copies of the alleged late payments. I have never been late in any payments. Also Credit reporting must be 100 % accurate or must be deleted. I was provided 2 separate account numbers per the Credit bureaus. 
XXXX account # XXXXXXXX XXXX  account # XXXX. This is supposedly the exact same account. To no avail did I receive anything. 

To ensure the credit report is 100 % accurate as we know. Every step must be taken to assure the information reporting, is accurate and correct. Therefore the following late payments need to be re-investigated. 
I respectively asked to be provided proof of this alleged late payments, and a payment history. I have been maintaining records of my communication with the company for the purpose of filing a complaint with the FTC if they continue with the noncompliance. I further remind you that, in XXXX vs. XXXX XXXX XXXX, No. XXXX ( C.D. XXXX. XX/XX/XXXX ), you may be liable for willful noncompliance if the validation of debt request isnt completed.

Please have the creditor provide a validation of debt documents to the XXXX  as well as certified mail to me. It is extremely important that these documents are submitted to XXXX to ensure fairness. And they are not continuously brushing me off. Thank you for your assistance. 
If the creditor can not provide payment, history and documents, please have this account removed from my credit file
Product: Credit reporting or other personal consumer reports

Failed to properly investigate my dispute, its legal obligation under the fair credit reporting act FCRA to conduct a reason of reinvestigation of dispute information on my credit report leaving an accurate in unverifiable. Explain has neither correct, is not remove dispute item despite evidence I provide it causing ongoing harm to my credit setting Im requesting immediate corrective action to remove or amend the disputed accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is ahowing 20 hard copy inquiries over 2 years. They are not counting same or like inquiries within the allowable time frame which is only supposed to count as one inquiry. I have 6 just for my auto loan. Also, after one year they are not supposed to impact my credit score but it is. I am being refused a mortgage due to this and the number of inquiries separately counted
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has two collections on my file for the same item. I disputed it and not only is it still there..but they changed all the dates and balances. DOES ANYONE EVEN CHECK THESE DISPUTE RESULTS? XXXX XXXX account number XXXX was listed as a high credit of {$750.00} and a balance of {$750.00}. I disputed that this was the same account as their account number XXXX that showed a balance of {$5400.00}. 

The {$750.00} was the monthly rental on that property. Instead of removing the {$750.00}, they changed the balance to {$5400.00} so that NOW IT IS LISTED TWICE. So you have a high credit of {$750.00} and a balance of {$5400.00}????? And a high credit of {$5400.00} on the other with a balance of {$5400.00} ... .to add to this the open date is XX/XX/XXXX with the last activity date XX/XX/XXXX ( SEVEN MONTHS BEFORE IT WAS OPENED ) on one and last activity of XX/XX/XXXX on the other. 

It is as if someone is just throwing numbers at the credit bureau and the bureau lists it no matter how ludicrous the numbers are.
Product: Credit reporting or other personal consumer reports

Send letter failure to correct. Incorrect balance and hard inquires
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Subject : Request for Debt Validation Account Number : XXXX Dear XXXX XXXX XXXX , I am writing to formally request validation of the debt you have reported on my credit report, as referenced by the account number above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and obtain verification of this debt before taking further action. 

Please provide the following Proof that you have the legal right to collect on this debt. 
A detailed account history, including the original creditors name, account number, and the date the debt originated. 
A copy of the agreement or contract that created the obligation to pay. 
A full breakdown of the total amount being claimed, including the principal, interest, and any fees. 

Until this debt is validated, I request that no further collection activities or reporting occur on this account. Additionally, if you are unable to validate the debt, I ask that you cease all collection efforts and remove the account from my credit report. 

I request a response within 30 days of receiving this letter. Please send your response to the address listed above. 
XXXX Thank you for your attention to this matter. I look forward to your prompt reply. 

Sincerely XXXX XXXX XXXX XXXX
Product: Credit card

An XXXX card owned by XXXX XXXX XXXX has been reporting that my autopayments have been " returned '' and fees have been added to my bill. This has been going on since the XXXX 2016 statements. I have checked with my bank and the bank reports that they have not rejected any requested payments. I have written to the company asking for the fees to be reversed and for them to accept the payments and I await a reply.
Product: Student loan

Since the loan forgiveness was a complete fail. I now own {$4700.00}, I tried to pay this in full on XXXX XX/XX/2023, on the same day the payment reversed. I then reached out via phone and due to the long wait I requested a call back ( which they told me would be within 24 hours ), I never received a call. I then tried to reach EdFinancial Services by online chat, and the represtivitive could not answer my question, because it was a robot. I then tried to make another payment on XXXX XX/XX/2023, but it was reversed AGAIN! 

This is so frustrating and it is causing more emotional pain and suffering than I ever expected. I am losing sleep over this issue all because EdFinancial Services does not have a proper payment portal? This is taking time out of my work day. I should be compensated for the time, pain and suffering they are causing me Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XXXX XXXX,2017, I tried to access my XXXX report through the official website, XXXX. After completing the requested information I received a message that they were unable to access my information on-line. No reason for this was given. It was further suggested that I should request the report is writing. This I do not want to do as it will take such a long time to get the report, especially right now during the XXXX data breach. So, I decided to see if I could get the reports from the other 2 sources. I successfully accessed my XXXX report, but not the TransUnion report. I received a message from them that they could not access my information and that I should try again later. When I went back to the starting page to try again each of the sources was checked off as if I had gotten the reports. This was confusing. I need to know whether or not I will be able to get the other 2 reports later or will these unsuccessful attempts to get my reports be considered my annual requests and, therefore, prevent me from getting the actual other 2 reports.. It was annoying to have to reenter all of my personal information each time I went back to the beginning to try again.
Product: Debt collection

HUNTER WARFIELD XXXX APARTMENTS MANAGEMENT FAILED TO CORRECT A SEVERE RODENT RAT INFESTATION. I HAVE PICTURES AND EMAILS AS PROOF THAT I GAVE THEM SEVERAL MONTHS TO REMEDY THE SITUATION BEFORE MOVING. IT WAS LEGAL FOR ME TO WITHHOLD THE RENT AND MOVE WHEN MANAGEMENT FAILED TO SOLVE THE PROBLEM. THE COLLECTION AMOUNT FOR XXXX SHOULD BE REMOVED FROM MY CREDIT REPORT.
Product: Bank account or service

PayPal is holding onto funds for a transaction that was fulfilled more than 2 weeks ago. 

On XXXX XXXX I sold a laptop on eBay and shipped it using XXXX the next day for a 24 hour delivery. By Wednesday the buyer had the laptop and at that time PayPal should have released the funds. 

Instead they claim that they did not receive a valid tracking number, which is patently false and which I attempted to help fix by re-sending them the tracking details XXXX3 times. The package was sent via XXXX : XXXX with XXXX number XXXX. It was provided to PayPal on the date of shipping. 

When I did not receive the funds after 7 days, I attempted to escalate the case directly with PayPal and again sent them the tracking details which they claimed were not valid ( several times ). I tried again escalating the case but I only ever received automated messages telling me the tracking details were invalid or other irrelevant or erroneous facts such as claiming my account was too new. My account with PayPal & eBay has been in constant use with only positive feedback for more than a decade. 

It is my belief they are holding onto funds, in this case {$600.00}, for longer periods in order to generate interest while they hold it for more than 21 days.