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

I filed several complaints with Experian concerning a XXXX XXXX credit card account that was charged-off in XX/XX/XXXX in the amount of {$1200.00}. XXXX XXXX charged-off the account and submitted the amount that was charged-off to the Internal Revenue Service ( IRS ). I  received a XXXX form in the amount of {$970.00} for the cancelled debt and I filed the XXXX form with my taxes in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX reported the debt as a new debt to all credit reporting agencies. I informed Experian that the debt was not new and I submitted my XXXX form and copies of prior years credit reports that disclosed the debt as not being new and the debt being cancelled. Since XX/XX/XXXX Experian is reporting that I have a new late payment and this is not true. I filed several complaints and I tried filing a complaint again on XX/XX/XXXX, and I was informed that they would not review my complaint anymore concerning the XXXX  XXXX account. There debt reporting practices are unfair and do not adhere to the federal laws that are in effect.
Product: Vehicle loan or lease

My father passed away XXXX XXXX he had an XXXX  XXXX XXXX. He didn't have an will or an power of attorney, so my sister and I had to go to the Power of Wills to get everything straighten out between us. I'm the oldest so I had to be the executive of all his processions. He had three cars and his house. Two cars where sold and the XXXX I took in late XXXX I had called Regional Acceptance where my father had to pay his payments. I explained to them what was going on and sent all my documents I needed. I begin taking over the payments of XXXX. Granted I was late making them because I just got in to starting to pay where he left of from where he passed. Everything was okay until probably the end of XXXX by then I had paid four payments. I began to get phone calls from Regional stating that I wasn't suppose to have the car because my name wasn't on my fathers loan with them. I asked them why wasn't it told to me in the first place about the loan and what it was for or maybe how I could take over that. But I got no answers just harassing phone calls saying they was coming to get the car and that I couldn't do anything about it. I told them I wanted my money back because I had the right to get it back. at the bottom you will see the attachment that I sent to them and I haven't got any response back. Could you please help!!!!! 
Thanks XXXX XXXX I can be reached at XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I erroneously sent a payment to my new Citibank Credit card for {$170.00} before I received my statement. I called the company when I noticed my payment wasn't credited. My acct was credited and I thought the problem resolved. However, the payment was reversed on XX/XX/2023. I again contacted the company many times without resolve, last contact was on XXXX/XXXX/203 with XXXX. I just noticed they reversed ANOTHER credit card payment paid on XXXX for {$270.00} on XX/XX/2023. I sent a letter on XX/XX/2023 without resolve and with documentation ( my bank statement indicating payments made and the welcome letter from Citibank with the prototype card that I erroneously made payments to ). I received notification that they did not have enough information to credit my accounts. I have since paid this account through their online system ( from the same bank account they are reversing the other payments ).
Product: Consumer Loan

Santander Consumer USA have reported inaccurate 30 days late payment on XXXX & XXXX for total of 5 times, I 've tried contacting them to solve this issue and got no response back or positive results, and now since the account is paid off in full I ca n't get through to them and so I contacted the credit bureaus but they keep on tossing me back to Santander, so PLEASE help me to solve this issue. 

the 30 days late payments reported are : XXXX of XXXX, XXXX and XXXX of XXXX. 
please help me to fix this inaccurate information as it 's hurting me financially and mentally XXXX me through my regular every day life.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with 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: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters to remove inaccurate credit information With the help of The Federal Trade Commission enforcing The Fair Credit Reporting Act ( FCRA ), which promotes the accuracy of information in the files of the nations credit reporting agencies, we have the power to challenge every questionable negative item on your behalf. 


we challenged on XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00}
Product: Payday loan, title loan, or personal loan

I've been a faithful customer of that agency since 2016 being this the second time I borrowed money from them. I was given the options of paying full amount lend in 3 months and I took it. I had made two payments of {$240.00} in XXXX and XXXX respectively. I asked to be called before XXXX payment due day in an attempt to make my payment, and I was not called. Even though we all have been affected by this unprecedented pandemic, I wanted to fulfill my debt and pay the remaining balance. 
I called the company, and I spoke with XXXX ( allegedly supervisor ) who confirmed my account is past due the 90 days grace period. I was also told I had to pay {$790.00} instead even though I had paid over 75 % already. I asked supervisor what benefits were they been given to the customers as a result of COVID 19? I declared I had sacrificed those {$240.00} out of my family budget to be in compliance and to avoid further credit issues, but no one listened. I was told those were the policies, and he could not do anything about it. 

Most companies have pop-up messages related COVID 19 information, assistance and resources for their clientele and customers. As of today, ACIMA DOES NOT. 
Most companies, even the government, mortgage lenders, credit bureaus have been given US citizens the opportunity to " financially recover '' from the pandemic. ACIMA DOES NOT.

Many private business have shown empathy to its customers during this unprecedented situation. ACIMA DOES NOT. 

As the institution that overseas ACIMA CREDIT, I'm reaching out to you to advocate not only for me, but for most of ACIMA customers that may be going through similar situations. Most of us that are committed to be in compliance even though we have been expansively affected, but we encounter senseless companies like this that only care about money not the public.
Product: Money transfer, virtual currency, or money service

The day after I opened a Venmo account & had money sent by my fiancee, I went to withdraw/transfer money to my bank account as well as send some back to my fiancee. I was unsuccessful at it and received an error message that my account was frozen. XX/XX/2022 account set up, money transferred on XX/XX/2022. 
Had opened up a dispute online immediately. XXXX had back & forth conversation about why my account was frozen & Venmo asking multiple levels of verification my part, which 2 steps from setup of account had happened before account open. Asking for debit card, bank statements, photo of debit card & photo of ID or passport also. They have what I felt kidnapped my money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an old XXXX account with XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, i reached out to XXXX and multiple companies that are reporting inquires on my consumer report directly to XXXX, who still furnishes the information without my consent o knowledge. 

XXXX told me to reach out to the companies individually and verify with them that there are no accounts being reported, then send it in writing and add a complaint with CFPB so they could remove them. I am doing so here. Listed below are the companies and dates in which the inquires took place without my knowledge. 

SYNCB/LOWES XX/XX/XXXX SYNCB/ AMAZON XX/XX/XXXX both companies told me since there was no record of the actual application there was nothing they could but, they told me they could not provide that to me I writing and to file a fraud complaint and send it to the bureaus to have it situated. 

XXXX XXXX, XX/XX/XXXX police report was filed last year about this, the account was terminated and removed from credit report but the inquiry remained. Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 

XXXX XXXX, XX/XX/XXXX Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 
XXXX XXXX XXXX XX/XX/XXXX Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 
XXXX XXXX XX/XX/XXXX Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, balance is XXXX. this debt was settled XXXX XXXXXXXX XXXX. this account is fradulent. 
us bank inquiry was not authorized by me. 
XXXX inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me. 
XXXX XXXX  inquiry was not authorized by me. 
Westlake financial debt has been paid in full and settled. XX/XX/2023 XXXX  inquiry was not authorized by me. 
XXXX XXXX XXXX  inquiry was not authorized by me. 
XXXX XXXX  inquiry was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XXXXXX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX, XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX
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 USC 1681. 

DEPTEDXXXX : XXXX, DEPTEDXXXX XXXX  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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letters, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equitax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I want reported accounts removed
Product: Credit reporting or other personal consumer reports

Ive been asking for an update for my score for years and yet they will not change my score after all of the identity theft items are gone and theres only one card on my credit and my score is still XXXX its disgusting my score will not change and its stopping me from getting approved for anything
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up on my previous complaint. The items that I am disputing are misleading and must be investigated. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The addresses listed above are not my home address The accounts are inaccurate and fraudulent. Im seeking Litigation. 
The inquiries are unauthorized and fraudulent. 
Please delete them at once.
Product: Checking or savings account

This company is trying to XXXX charge me with XXXX {$35.00} overdraft fees from a transaction. That wasn't supposed to go through. And then because they took over a week for pending transactions, and tried to say that I didn't have enough to cover the transaction that I did when I transferred enough money to cover for the fee. 12 CFR 1005.17b ( f ). This is unacceptable and very unlawful and wrong. As long, as I have been a customer and I honestly don't think this is right!
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items delete it from my credit report effective immediately. I am attaching prove the XXXX has admitted that I was in fact, a victim of the data breach, and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. 

List all those negative accounts from your XXXX credit report account names and account numbers and file account complaint with CFPB Attached proof that you got Will respond back to stated they deleted everything
Product: Credit reporting, credit repair services, or other personal consumer reports

THE THREE BUREAUS CONTINUE TO REPORT A COLLECTION ACCOUNT FROM XXXX XXXX WITHOUT A PROPER INVESTIGATION INTO THE ACCURACY OF THE INFORMATION. Merely adding a statement that the account is being disputed is not enough. When the creditor refuses to address the dispute and claims that there is a collection agency, that creates a scenario where the consumer can not have any recourse. 
The creditor will not address the derogatory reporting, the collection agency can not and the credit bureau can report as long as the creditor says the information is correct. What is a consumer supposed to do? I have attached the account that is inaccurately being reported. 

Bureaus have not compiled with the requirement that if the creditor does not provide proof in 30 days, the information should be deleted. Please see what was provided by XXXX in response to my requests for proof. I have attached the details of one of the investigations by one of the bureaus. I could not access results of disputes from other bureaus. See dates reported to bureaus and dates of unitemized bills.
Product: Debt collection

FABCO SUBMITTED A COLLECTION FOR THE AMOUNT OF {$630.00} ON MY PERSONAL CREDIT REPORT ON THE DATE OF XXXX XXXX. I HAVE XXXX RECOLLECTION OF THIS DEBT AND REQUEST THIS COLLECTION TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

FABCO ADDRESS IS : XXXX XXXX XXXX XXXX OH XXXX. 
PHONE NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Student loan

Began making payments with loan servicer Navient in XX/XX/XXXX, the original loan was for {$16000.00}. The capitalized interest was {$4800.00}. The total loan with capitalized interest added in was {$21000.00} when repayments were initiated on XX/XX/XXXX. The interest percentage rate is 4.875 %. Since XX/XX/XXXX, payments of {$160.00} have been made every month. Life of loan payments paid to Navient total {$7600.00} as of XX/XX/XXXX. The current total balance as of XX/XX/XXXX is {$21000.00} and the current unpaid principle is {$21000.00}. Navient is not been applying any of my payments to the total loan principle that includes the capitalized interest and the original loan of {$21000.00} for the last almost 4 years of payments, claiming that the payments have been applied to the capitalized interest separately. The capitalized interest was already added to my original loan in the beginning of servicing, therefore they are double charging me on the capitalized interest. Navient claims the capitalized interest was a separate balance from my current total balance when in fact it was already added into the total balance in XXXX. Please Help!
Product: Credit reporting or other personal consumer reports

The addresses below do not belong to me and I have requested several times that these addresses be removed from my Experian credit report. 

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

Thank you for responding to compliant # XXXX and your file # XXXX and XXXX. I have attached documentation for your review.
Product: Prepaid card

I received a refund from XXXX on XXXX XXXX my card was never credited and way2go is refusing to give me my refund. The XXXX website shows the money was sent. I have spoke to both XXXX and way2go.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am 90 days past due on XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Money transfer, virtual currency, or money service

I did not receive the amount of money that wasnt promised or received from Zelle.
Product: Credit card or prepaid card

I have received several statements charging my Shop Your Way Master Card for services I have not used. These charges have been made out of my location. I live in XXXX XXXX and since XX/XX/2020 I have not been out of my location due to COVID 19 pandemic. I have dealt with Shop Your Way Cardmembers Services with no results at all. I have finally submitted all my cards ( chopped ) and asked them to cancel or close any account under my name.