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

XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$1500.00} written off.

Account TypeAuto Loan Balance- Date OpenedXXXX XXXX XXXX XXXX  XXXX  XXXX potentially negative icon Potentially Negative StatusNO STATUS. 
Account TypeNA Balance- Date OpenedXXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date OpenedXXXX Dispute Namesshow tooltip buttonSelect as many as apply 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, LA XXXX SINGLE FAMILY XXXX XXXX A XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY
Product: Credit reporting or other personal consumer reports

-I made a settlement in XXXX of XXXX to Absolute Resolutions. They are still saying I owe them {$890.00}. I have proof and they still will not remove this from collections. 

-XXXX  XXXX is stating I made a late payment in XX/XX/2023. I did not. 


According to the 15 U.S.C. 1681 law, there should not be any damages on my report. I am in the process of purchasing a home and I seen all of this still on my credit report!
Product: Credit reporting or other personal consumer reports

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 15 USC 1681 section 602 A.States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> was when I sent off my 7th round of certified dispute letters. I have {$41000.00} XXXX XXXX  showing up on XXXX and experian as a loan and I've been disputing it for last 7 months proving its unconstitutional and illegal. It's costing me financial hardship and stress
Product: Credit reporting or other personal consumer reports

I LOOK UPON MY CREDIT REPORT AND DISCOVERED THIS ACCOUNTS THAT NEED TO BE DELETED.
Product: Credit reporting or other personal consumer reports

National Credit Adjusters has violated me as a consumer. I'm unaware how they've obtained my person information, but I did not give them permission to my personal information or consumer report per 15 USC 6802. National Credit Adjusters began accessing my consumer report on XXXX XXXX XXXX for an amount of {$430.00}.
Product: Mortgage

XXXX XXXX XXXX is holding my payoff hostage and stating that even though I requested a payoff that was good through XX/XX/XXXX, and I closed on XX/XX/XXXX until I come up with another {$2400.00}. At the same time, they are telling me I am in default because I didn't pay my XX/XX/XXXX payment, that shouldn't even be due because I closed in XX/XX/XXXX for the refinance. They say that the reason I owe the money is because the escrow account was short, but I pay into the escrow more than enough for taxes and insurance each month, and on top of that, they won't provide me with an escrow analysis to show where my monies have gone.
Product: Bank account or service

On XXXX XXXX our account had {$180.00} without anything being in the negative the bank took out {$140.00} for Overdraft fees and still never showed a negative. We had XXXX pending items XXXX XXXX which was going to be credit back in a couple days for {$180.00}. Our account never showed negative, and they never had to cover this item. The bank is telling me they wont refund our money. We feel as if they stole our money. I dont understand how with something pending how they can automatically charge you a OD payment with the item was not yet paid by them. This was a error and it was corrected as well as why are we being charge OD fees when they didnt have to cover anything?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX used my info to apply for the credit card offeres based on my scores and it lowered my score I did not submit a credit for the capital one cred Cards
Product: Credit card or prepaid card

I was charged for a transaction that of {$740.00} on  XXXX / XXXX /  XXXX   from  XXXX   XXXX   XXXX . I disputed this transaction as unauthorized to my credit card company  Chase . In their dispute process I have provided them documentation that states the charges where charged to another credit card from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card. I have been reapplied the unauthorized charges. I find th at Chase has  done very little to protect me as a consumer. I have a valued client for over 25 years and a  XXXX  senior citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE! Complaint # XXXX ( typed this way for security purposes ) was just closed by Experian, claiming that it was a duplicate when IT WAS NOT. WHAT AM I SUPPOSED TO DO WHEN EXPERIAN CONTINUES TO IGNORE MY DISPUTES???!!! They have deliberately waited well over a week to respond and they respond with this GARBAGE. You will NOT intimidate me from moving forward with getting accounts deleted that CONTAIN VIOLATIONS AND INCORRECT INFO. Ignoring disputes is a violation of consumer law! I already know that they don't even do their own investigations ANYWAY -- which is ILLEGAL -- but now they're ignoring my disputes altogether, and this is not right or fair! I am being denied my due diligence in getting accounts deleted that have INCORRECT INFO AND VIOLATIONS! I am EXTREMELY upset at this and DEMAND that you have these incorrect accounts and accounts with violations DELETED IMMEDIATELY!
Product: Vehicle loan or lease

I sold my car and the loan on it I had with PNC was closed on XX/XX/XXXX. On XX/XX/XXXX an additional payment of {$640.00} was sent from my bank ( XXXX XXXX XXXX ) to PNC and cleared my checking account. After 5 phone calls to PNC, I was told to fax proof of payment to PNC and I would be refunded the money since the loan was closed. It has been a week since the funds left my account and PNC has not returned my money. I have called them another 2 times today. I was on hold one time for over 20 minutes and then was transferred to XXXX without any notification. I then provided my social security information to that company without knowing I was even transferred. I am now on hold for another 20 minutes and still no progress or help from PNC. I would not trust them with any of my accounts or loans.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding several unauthorized hard inquiries that have been reported on my TransUnion credit report. These inquiries have negatively impacted my credit score and were conducted without my consent. Below are the details of the unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX reported on XX/XX/XXXX ( appears twice ) XXXX XXXX reported on XX/XX/XXXX XXXXXXXX XXXX  reported on XX/XX/XXXX I request that these inquiries be investigated and removed from my credit report immediately, as I did not authorize any of them. I have attempted to resolve this matter directly with the creditors and the credit reporting agency, but I have been unsuccessful. 

I am attaching copies of my credit report and any relevant documentation to support my claim. I appreciate your prompt attention and assistance in correcting this inaccuracy on my credit history. 

Sincerely, XXXX XXXX
Product: Credit card

I have a complaint against acima leasing. For a set of tires there charging me {$1200.00} for tires that cost {$500.00} and work on my car that cost {$1000.00}, there charging over {$2000.00}. For the past year they take out of checking account
Product: Payday loan, title loan, or personal loan

Sending out texts messages saying that I am pas due on a payment when payment is not due for another week.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I received a payment from a friend in the amount of {$65.00} I was out of town and had car trouble, and the money was to help me out. When I attempted to transfer to my debit card, I kept getting an error message. Thinking the issue may be with the card, I added a different debit card I have with another bank. I was still unable to transfer the money. Upon reaching out to the " help '' section, I learned my account had been frozen because I'd evidently added a debit card that was already linked to another users account. Which probably is my husband, and it's a joint account. Since that time, I've sent multiple documents from both banks, photo 's of the actual debit cards, and copies of my non expired driver 's license multiple times. My account remains frozen and I am still unable to access my money. I've sent dozens of emails, chatted with customer support via the app chat support, and called and spoke to representatives. I believe XXXX is willfully and intentionally holding my funds unnecessarily and without merit.
Product: Debt collection

I have disputed this account onXX/XX/19 and requested the method of verification for this account. I know that this account can not be verified because I have reached out to XXXX XXXX and they never responded. 

On XX/XX/XXXX, I sent a letter directly to XXXX XXXX XXXX XXXX account XXXX requesting all the legal documents that they should have in regards to the auto loan and everything with the repossession and selling of the vehicle. On XX/XX/2019 XXXX XXXX received my request ( tracking number XXXX XXXX XXXX XXXX XXXX ) and never responded. You are still continuing to report this account on my credit reports and you do not have the legal documents to do so.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The accounts listed below have violated : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  : Account Number : XXXX XXXX XXXX XXXX XXXX  : Account Number : XXXX my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 section 602 A. it also states a consumer reporting agency can not furnish a account without written instructions. 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: Debt collection

The debt collector Santander Consumer originally opened the debt collection on XX/XX/XXXX for  the amount of {$12000.00}. I don't recall being contacted by Santander in an attempt to set up a payment plan or explain what this debt was for. On XX/XX/XXXX this debt was given to another company by the name of XXXX XXXX XXXX, I was not informed of this change and I have never spoke with anyone from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/year> Unauthorized account on my credit report. I demand this get removed XXXX XXXX XXXX XXXXamazon bank XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I missed half of a payment to US Bank on a credit card. Myself, wife and our XXXX children, including my XXXX XXXX XXXX son, became stricken with XXXX over XXXX and XXXX and were unable to make the payment and it was reported late. I entered a payment plan with the company and brought the debt current in XXXX and XXXX. I wrote goodwill letters explaining the situation and CARES Act to the company and filed disuputes with all three credit bureaus also explaining the situation and the CARES Act. They all said the report was accurate and no information on CARES Act. I am requesting that the 30 day late payment be removed from my reports with all three bureaus in repose to the CARES act.
Product: Money transfer, virtual currency, or money service

( BLOCK INC ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has open XXXX XXXX accounts from someone with the same name in a different state on my account. I corrected this 2 years ago when I bought a house but I had help from my mortgage company. When it showed back up a year later I tried to correct it myself with Experian but their investigation found it to be accurate. It is not. I do not have an XXXX Account and Ive never lived in that state. 
The other two credit reporting agencies corrected the error but Experian refuses to. Ive spent hours on the phone trying to correct this, but I cant prove its not mine because XXXX XXXX cant release someone elses information to me, so there is no way to get documentation proving it isnt mine.
Product: Mortgage

Recently I submitted an application to Fifth Third Bank for a home equity line of credit I received a preliminary notice in the mail thanking me for applying and informing me of my credit score as well as their process for this particular mortgage loan product. I was asked to give demographic identifying information as part of the application process so fifth third could comply with fair lending regulations. A few days after submitting all required documents I received a call from a loan specialist and was taken aback by the extremely offensive counter offer they presented. Despite my credit score being well above their requirements and the credit line request being well below the 90 % LTV. Fifth thirds underwriters had the audacity to offer me a {$36000.00} line of credit against a property that holds more than {$200000.00} in equity. I find this offer extremely offensive because I have no doubt that an applicant of another demographic group with an identical financial position would have been offered four times this amount. Fifth third insulted my intelligence with this unreasonably low offer. Furthermore, I believe this to be an act of discrimination based on my race and the purpose I disclosed for the line of credit request.
Product: Credit card or prepaid card

Visited home depot store, purchased {$3400.00} worth carpet and shop for credit card. It approved and till this date have not got any information/mail from bank. Every time calling them and getting to know account in review and not able to provide support or do anything at all. Credit card is from citibank. Within week got email that my statement and balance is due where bank is unable to provide me single paper or contact number from where to get my details. But telling me i can still make payment. Such a crazy logic. I have excellent credit and already dealing with 7 to 8 different credit card companies and banks. No body has this kind of service and really bad internal controls setup which are not helping customers and also not making any sense in banking.
Product: Credit card or prepaid card

We paid off the entire balance ( around {$4200.00} ) on our UNITED/Chase credit card on XX/XX/XXXX because we are traveling abroad and wanted to have the full card limit available ( {$5000.00} ). 

The funds were withdrawn from our bank account on XX/XX/XXXX. The new balance on the credit card account reflects that new balance ( around {$200.00} ). On XX/XX/XXXX we called Chase Card Services because the card did not work at the hotel reception. We were told that there is a 6 day hold until the funds become available on XX/XX/2023. 

We requested a partial release of the funds to be able to pay the hotel but the person we talked to ( XXXX-did not provide last name ) kept repeating the same and claimed he was the manager. 

It is not acceptable that a bank or credit card provider sits on our money for 6 days before releasing it. It does not take 6 days to make a bank transfer from a checking account to a credit card provider, when it takes 1 day for an average person to do so. 

We have had this card for over 20 years now and will most likely close the credit card account after this exchange.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased/financed my vehicle through ally on XX/XX/2020 ; my monthly payment amount was {$420.00} due on XX/XX/2020 due to coronavirus/covid19 closures. The vehicle had minor/major defects that I reported to the dealership and manufacturer since XX/XX/2020, the car broke down on XX/XX/2020 and has since been rendered over to the financer. 
My car payment due date was extended to XX/XX/2020 due to coronavirus/covid19 closures on XX/XX/2020. On XX/XX/2020 ally sent me a NOTICE OF REPORT OF NEGATIVE CREDIT INFORMATION that I received at my post office box on XX/XX/2020.
Product: Credit card

Synchrony Bank- Lowes- 3 month interest free. 

My loan was set to reach maturity XX/XX/year>. 

I logged in and made my payment XXXX there was no payment confirmation provided. 

XX/XX/year> I received an email that payment was due. I checked my synchrony account, as well as my bank account and neither indicated any pending activity. 

Coupled with the lack of confirmation it seemed there was a payment failure. So I followed the email instructions. 

The transaction ended in an error stating I should try again later- this further supported what seemed like the original payment probably didnt go through. 

I tried again. This also ended in an error. 

I called customer service- the loan was put in my maiden name, not aligned with the application, the only payment pending was XXXX and I was assured the rest was a system error. 

As of XXXX synchrony has taken XXXX out of my account 3 times this week- my initial loan was only XXXX! In addition to the second 2 transactions never indicating processing to me, the loan was paid in full with the first one, they had nothing to apply the payments to. 

I have now called customer service 3 times to be told that they could only see one payment, they could only see two payments, and the third time, that the supervisor will not be available until later today despite their posted hours. 

There was an authorization to take payment TO PAY MY LOAN, not to help themselves to my bank account multiple times. I was directly informed a single transaction was processing my first call. I have been given a run around since. The only effort being made in this situation is mine. 

This a predatory consumer practice, their system should have checks and balances to ensure it isnt happening.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for their egregious violations of the Fair Credit Reporting Act ( FCRA ) and the substantial damage they have caused to my credit profile and financial stability.

Here are the facts : I paid off a car loan with XXXX in full with a {$29000.00} cash payment. I have documented proof from both my finance company and bank confirming the payment was made. 
XXXX reported the loan as paid and closed to the credit bureaus. However, a week later, they falsely claimed my payment was late. After contacting them, XXXX acknowledged receiving the payment but did not correct their erroneous reporting.

As a result of XXXX inaccurate and irresponsible reporting, my credit score dropped by XXXX points, which directly caused : The loss of my job, where maintaining a certain credit score was required.

My disqualification for a home loan, crushing my familys financial plans.

This reporting error has had catastrophic consequences for me and my family, and XXXX must be held accountable for violating my consumer rights. Specifically, XXXX has breached the following FCRA provisions : 15 U.S. Code 1681s2 Duty to provide accurate information to consumer reporting agencies. XXXX failed to meet this obligation, as they initially reported the loan positively, then erroneously changed it to a negative status.

15 U.S. Code 1681i Failure to investigate disputes. Despite my providing proof of payment, XXXX has not corrected the inaccurate reporting in a timely manner. 
Cases like XXXX XXXX XXXX  and XXXX XXXX XXXX highlight the FCRA violations present in this matter, and I am prepared to take legal action if this issue is not resolved immediately. The harm done to my credit, employment, and home-buying process demands compensation.

If this issue is not resolved immediately, I will pursue further action, including filing complaints with the XXXX XXXX ( XXXX  ), the FDIC, and the OCC. Additionally, I will be moving forward with legal action to ensure I am fairly compensated for the damage XXXX has inflicted on me and my family.

I have attached all documentation, including payment proof and communication records, to support my claim.

I expect a prompt response and a thorough resolution to this matter.