23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX Current Address ( es ) : XXXX OAK XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX TE XXXX XXXX XXXX XXXX FL XXXX Employers : XXXX Employers : XXXX XXXXollection/Charge XXXX XXXX  XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$5100.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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

I have a XXXX XXXX account for XXXX XXXX that was paid in full and as agreed. The online system for XXXX XXXX did not accept a bank account with a leading XXXX. The was subsequently fixed by XXXX XXXX. I made payments as agreed and XXXX XXXX fixed the final payment with my bank account having a leading XXXX. Now months later both Trans Union and XXXX are reporting negative information when my account was pad in full as agreed and has a XXXX balance.
Product: Checking or savings account

On XX/XX/2024, I mobile deposited a third party rent relief check that was given to me by a past tenant that owes me for 18 months of rent, she endorsed the check over to me and i also endorsed the check. I then mobile deposited it and received an email from NFCU stating that they have approved the check and i will have access to my funds within two days. This is not the first time i deposited a third party check and the funds where available in my savings account i had sent my daughter to pull out money to pay some bills, she accidently put her pin number forgetting it was my card, so the atm ate my new debit card, ( 2nd transaction with new card ) my account was frozen afterward, so i called NFCU, to unfreeze the account and order a new card, the agent on the phone said my account was not frozen so i said i would go into the bank to get new card. When i went into the bank the banker was on hold with the department that could help me, I could not stay to wait, for i had to leave to pick up my my grandkids from school, the banker said she would call me when the account was unrestricted. She never called so after two days when i was finally able to get through to the security department, they verified me, and then verified my devices i use to access my online banking, and then i verified my last withdrawal and location but when asked what card i used to withdrawal i had said the last four digits of my previous card forgetting that i had just recieved a replacement card so they said they will remove the restriction on my account but they will not allow me to use the funds, they took the money out of my available balance and are holding it until the third party and i go into the bank with our IDs, mind you i have already went into the bank and verified my ID, i told then it could take months before i can get a hold of my former tenant, for she is in some type of bootcamp or program, etc. They told me then id have to wait till then, My rent and bills can not wait, NFCU is not paying for my late fees that i willl have to pay, i submitted the a security appeal with NFCU and they did not even review the documents of my former tenants ID AND SSN, with the notarized affidavit she had left to me incase of situations like this, NFCU said since my account was not restricted no more that my appeal wont be accepted! So how is it that they are holding approved funds and they are borrowing my funds while im not being paid interest, not that i would like interest still to be paid because i would rather have my approved funds. I also then asked to have my accounts closed because im unhappy with the bank and no longer want a relationship with them. They denied me that. should i retain a lawyer?
Product: Consumer Loan

I had always paid my car on time and this was my 2nd car financed through Southeast Toyota Finance company. I was laid off from a job and called the company and asked to skip a payment. They told me ( on a recorded call ) that I could pay a little over {$200.00} to skip 2 payments but I had to fax a letter in telling them why. Later, I discovered they marked my credit report 60 days late after taking my money. I called again ( call was recorded by them ) and I was told I used the wrong verbiage in my letter therefore despite paying for skipping 2 payments so it would n't affect my credit, they not only took my money but reported to my credit bureau that I was 60 days late. Since that violates the fair practice law and was deceptive in nature, I told them since they already damaged my credit I would voluntarily surrender the car because I had paid them for 2 years, on 2 cars, on time and the first time I had financial problems they took advantage of me by having me pay to skip payments to protect my credit only to state later that the verbiage on my letter was not exactly what they wanted so I was reported as 60 days late. Then, they sold this 2014 XXXX in perfect condition, with a little more than XXXX miles on it for only {$15000.00} and are now coming after me relentlessly for {$19000.00} when the car was not even worth {$34000.00}. They are doing this to a lot of customers. They ca n't take money to skip payments, then turn around and say wrong verbiage made the agreement null and void and report people late on their credit reports after taking their money. What they did to me violates the CFPB deceptive practices regulation.
Product: Credit card or prepaid card

XX/XX/XXXX called Home Depot Re : {$31.00} ( late fee, tax ) on my account. HD agreed to refund charges and tried to-they didnt know what was wrong ( I think it may have been due to needing a new a/c opened and mix up of numbers ) I was told to wait for a number that would be mailed from Citibank, or a call XXXX Nothing received XX/XX/XXXX called Citibank-after a great deal of time again assured the fees and interest would be refunded and to check in a couple of days to make sure of XXXX balance. I forgot to do this, after all the assurances. 
XX/XX/XXXX spoke to XXXX at Citibank for 51 minutes and was finally assured AGAIN that I would have a XXXX balance. Told to check balance on XX/XX/XXXX and it should be XXXX. The current balance is now {$64.00} I dont know what else to do I believe Other calls were made that were not recorded
Product: Debt collection

Hello. So about 4 years back I was part of a gym, XXXXXXXX XXXX XXXX in XXXX. When we moved from the west side of the city, to the east side of the city, I tried to cancel my month-to-month contract with the gym. This is where things became impassable. At first I went in, in person to cancel, but was repeatedly told the manager that handles the cancellations is not in. Of course I asked when they would be in next, but was never given a straight answer. I tried to call at least a dozen times, was given the same answer every time, the manager wasnt in. Theyre a meat head gym, so they dont have or use any emailing system. If they do, I never saw the address/they certainly didnt make it readily available. I vividly remember talking to my mom during this time and being extremely upset about the situation because I knew, eventually, it would come to this ( collections issues ). So, I was forced to contact XXXX XXXX and to have them deny the request for charges that way. Meanwhile, they were getting months of payments, while I wasnt using their service, and havent been there in 4+ years obviously. I was just rejected for an XXXX XXXX  when technically, I see a XXXX credit scores as of today, because I have XXXX derogatory remark on all of my accounts, all from a month-to-month contract that I exhausted the means by which to cancel, many times over. I am so tired of dealing with the business and the collections agency. I have disputed the claim with the credit bureau at least twice, nothing. I refuse, absolutely refuse, to pay this bill. I did not over use any service ( they in fact got many many more months of payment when I didnt even go to theyre gym because we moved ), they refused to cancel my membership, then the pandemic happened, and they were completely shut down, I tried sending a letter to the gym, but obviously, it was returned because they were closed and not receiving mail.I have no idea what else to do. And again this was well over 4 years ago, Id be beyond shocked if even the gym has paperwork to support their claim. I have no paper trail because, again, they were closed due to the pandemic, and they had no email.
Product: Vehicle loan or lease

For the past 2 years they said I havent been making payments but I have then they were taking unauthorized payments out of my account
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$17000.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$570.00} XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Owed : {$97.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a discharged bankruptcy and Experian and XXXX   refused to delete this error off my credit report. I have sent supporting documents and letters from courthouse stating they dont report to credit bureaus. They claim they are getting information from third part companies which is accurate and cant be used. XXXX did remove the error. I even sent in a copy to Experian and XXXX and they still refused to delete the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries I did not authorize. The dealerships decided to submit my loan deal through banks I asked them not to contact. Dispute Summary All items you identified for dispute are listed on this summary page. Please review your selections. Once you have finalized your selections, please click on the submit button below to initiate the dispute process. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX, XXXX - XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXXE XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX, XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX Your company is in clear violation of the law. Under XXXX XXXX XXXX - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( XXXX ) IN GENERAL Subject to subsection ( XXXX ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 


XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. 
( XXXX ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( XXXX ) Reporting information with actual knowledge of errors 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

In 2017, I was taken to ER in an ambulance for a XXXX XXXX  injury - I was unable to move from the a lying position. I was released 3 hours later, many months later ( I moved so I did nit receive ANY notice in the mail ) I noticed on my credit report that I was in fact charged for the ambulance ride, given that I am a % XXXX XXXX XXXX XXXX wounded XXXX Veteran ambulance charges should in fact be included and fully paid for by the VA. Also it should be noted I notified the VA the same day I was released of the Ambulance ride. Now 3 years later and many many calls to the VA and the DEBT collector ( Aargon Agency Inc XXXX XXXX ) no one is helping and all they do is tell me to call someone else! they are fully aware they are just giving me the run around and this should not even be an issue given I am a % XXXX XXXX vet who was XXXX in the war and the VA states they DO cover these bills. I have a credit report that I disputed and under accuracy it reads * The payment history/rating is incorrect, the account is settled * and yet it is STILL ON MY CREDIT AS DEROGATORY. I am XXXX years old and living in a house that is contaminated with dangerous levels of black mold that is making me sick and I can not get approved for even a small home loan even though I have $ XXXX   monthly income due to this error and 3 other bills from the VA that are incorrectly being reported on my Credit report since VA should be paying all medical bills. Thank you for your time and thank you to the people who made this agency File number XXXX XXXX XXXX SS # XXXX XXXX XXXX AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XXXX XXXX XXXX put my XXXX XXXX account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what should have happened. 

16 CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately andindefinitely.

Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report.

" If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431
Product: Credit card or prepaid card

XX/XX/XXXX Chase tried to take an unauthorized payment for my Chase cc from an account they were not authorized to use ... was authorized in the system for XXXX ( I only get paid once a month, at the beginning of the month ) from an external account. Payment is not due until the XXXX of the month, but I like to pay my payments early. 
They charged {$27.00} returned payment fee to the cc XX/XX/XXXX for the above mentioned transaction. Almost a month later? No, not right! Coincidentally I filed my first complaint against them XX/XX/XXXX. 
Chase must be going bankrupt trying to steal from me as many ways and times as they have been. 
Their customer service, on line systems and customer service is in the toilet and has been since the beginning of the year.
Product: Student loan

I formally request that my 31 Public Service Loan Forgiveness ( PSLF ) qualifying payments be credited to my FedLoans dispersed on XXXX/XXXX/XXXX. The events leading up to this appeal for my pre-existing qualifying payments be counted towards my existing public service loan application are as follows : Upon my graduation from XXXX and XXXX XXXX XXXX in XXXX XXXX, I called FedLoan Servicing to inquire about loan consolidation and loan repayment options. When I stated my plan to enroll in the PSLF, I was advised by a FedLoan representative that due to my XXXX XXXX loans through XXXX, my FedLoan debt would be disqualified from PSLF eligibility if I consolidated my loans. I followed the FedLoan representative 's advice and proceeded to make separate monthly payments to FedLoan servicing and to XXXX. I have records of my regular payments. 
I worked at XXXX XXXX XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX and during this time made 31 qualifying payments under the Income Based Repayment Plan to FedLoan Servicing. I have multiple letters of qualifying employment verification from this period. 
Throughout my employment at XXXX XXXX XXXX, I remained in contact with FedLoan Servicing representatives via telephone and followed the progress of my loan repayment. I have screenshots of the FedLoan website that demonstrate no discernible difference between the loans and their respective PSLF status. 
After learning about the Revised Pay As You Earn Plan, in XXXX XXXX, I called FedLoan Servicing to inquire if I was eligible for this plan. A FedLoan representative informed me that I did qualify, but also recommended I consolidate my FedLoan XXXX my loans to qualify for PSLF. It was only after this discussion that I learned that my XXXX loans originally serviced through XXXX XXXX and taken over by FedLoan in XXXX XXXX did not qualify for PSLF. I immediately followed the FedLoan representative 's advice and re-financed all of my XXXX loans to qualifying loans. I have attached documentation of this consolidation. 
After refinancing my loans, I noticed that FedLoan servicing changed the website to better demonstrate PSLF qualifying payment status. I have screen shots of the revised website. 

In conclusion, beginning in XXXX XXXX, I made 31 payments, but due to a lack of communication by both the website and FedLoan representatives, I did not file the necessary XXXX consolidation paperwork until XXXX XXXX. I formally request that 31 PSLF qualifying payments be credited to my FedLoans dispersed on XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

the credit consumers are not accurate of what they say i owe them. reffering to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase Bank , i have never open an account with none of these companies