23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

i had my auto refinanced with penfed credit union on XX/XX/20 and i agreed to pay {$560.00} so that my first payment would be due XX/XX/20 spoke with XXXX 0n XX/XX/20 stating that i would get a coupon book i also spoke with supervisor name XXXX on XX/XX/20 informing him that i had not received my coupon book which i did not receive until XX/XX/20 so i mailed the check to penfed credit union in XXXX, ne and the only account number that i had was the one that was with my membership not knowing that this was not my auto loan account number then receiving a e-mail that i was late with my payment.
Product: Debt collection

Portfolio Recovery Associates Says That They Purchased A debt From Someone That 's Mine From 2008 And Is Trying To make Me Pay a For It. They Have Been Harrassing Me Consistantly And Their Staff Used Intimidation Tactics On Me And purposely Put Derogatory Marks On My Credit Report. They Are Absolutly Aweful People And I Want This Harassment Of An Expired Debt To stop.
Product: Credit card

Ordered card from Barclay MasterCard being told that the $ XXXX annual fee would be waived for XXXX Just received a letter that next month they will charge the fee despite being told that they would waive it. I would n't have an issue if they gave a year from the notice or would charge when the card was up for renewal but less than two months to pay off the balance or be forced to pay something that I was originally waived? Does n't seem right to me.
Product: Credit card or prepaid card

I was issued an unemployment card with XXXX XXXX XXXX XXXX of Ohio with US Bank Reliacard. After the nightmare of trying to get through to an agent. I was hung up on. Internet searches direct me to call XXXX which is pretty much impossible to get through to an agent. It ask for a card number and in my case I never received a card so I don't have a card number. After digging around on the unemployment website I did finally find another number which is XXXX. Upon calling this number at XXXX EST on a XXXX afternoon I was told to call back after XXXX CST. I tried calling back 37 times to be hung up on by the first agent. I am so aggravated and I cant help but wonder is this really the practice of a huge FDIC insured bank for people who have been approved for their unemployment during a nationwide pandemic. Please help me to have this issue resolved. My bills are due and my daughter would like to have a new polly pocket. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have both violated my rights as a consumer. 

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 an account without my written consent
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX XXXX,, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Act. #, XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX and Equifax were provided with the same documents XXXX received in the mail. Documents showed XXXX XXXX XXXX as not my account and had incorrect information that had been merged with my name. XXXX immediately deleted the account while XXXX and Equifax refused to do so. They stated account met FCRA GUIDELINES but if they had ran a legal and accurate dispute they would have found the account information is all wrong and should have been removed during the first 19 disputes sent. XXXX has been the only company to comply with this dispute and run it accurately while XXXX and Equifax have falsified dispute details instead of running the dispute as requested. They also never responded with the representative who ran the dispute as they are liable for their intentional negligence. XXXX XXXX is it my account and should be removed immediately. This has been a Reoccurring issue as their company has refused to run accurate disputes in the past.
Product: Checking or savings account

A XX/XX/XXXXpayment was made on XXXX XX/XX/20 for XXXX with XX/XX/XXXX+ {$6.00} fee. from my debit card the recipient can not get into his fb acct he tried through a tech support still can't get in so he opened a new XX/XX/XXXXacct he doesn't see the $ I reported this to XXXX it appears to be automated can't speak to a live person I also disputed the claim with my banking institution normally with a debit card you receive temporary credit bank refused to do so I was also accused of lying by there employee who handled my claim she claimed the recipient received the funds without checking or researching which I didn't apppreciate recipient can not access his acct he doesn't remember his old password must be having problems resetting it.
Product: Debt collection

Jefferson capital system re aged a collection account they purchased from XXXX XXXX. The original debt was from XX/XX/2012 and they have reported to all three credit bureaus the account is 3 mo the old which makes it illegal to re age a account per FCRA. I filed a dispute and contacted the collection agency which the supervisor I spoke to informed me they have a payment processing company collecting the debt. Not only that but I am not legally responsible for this account. My debt was with XXXX not any other collection company so that in itself is not allowed. All three credit monitoring agencies have the delinquent date for 3 months from this date when it originally was XX/XX/2012.
Product: Credit card or prepaid card

my BROTHER XXXX XXXX XX/XX/2021, I HAVE CONTACTED CHIME SO MANY TIMES IT IS NOT FUNNY.I HAVE SUBMITTED ALL THE PAPER WORK THEY ASKED FOR EXCEPT HIS PHOTO I.D..I SENT BACK IN WRITING COULD NOT OBTAIN FROM STATE OF ILLINOIS DUE TO FRAUD PROTECTION.I AM TRYING TO RECOUPE MONEY FOM HIS ACCOUNT, BUT GOT NO RESPONSES AT ALL.
Product: Payday loan, title loan, or personal loan

I received a loan from upgrade.com XX/XX/XXXX. I have been having problems with Upgrade since the pandemic started. They put me on a payment plan for {$170.00} first. I made those payments. Then i went to the website and they asked me to pay {$220.00}. I made that payment but they did not enter my account. Then they offered me another plan that i selected the one for {$230.00}. I made this payment on XX/XX/XXXX. They had not debeted my account earlier in the previous months, so i dud not expect them to debet my account this time. I contacted them 3 times. The first time, the representive said she was going to stop the automactic payment. She reviewed the account and saw that the payment was account for. They debeted the accojnt again. I called again and asked why were they debeting my account. They did this a third time. I asked them to refund the money. She asked me to request the bank to refund the funds. They told me that they would contact me on XX/XX/XXXX. They contacted me on Friday XX/XX/XXXX and still did not have a answer for me. I have not still heard from them. They have debeted my account 4 times for {$230.00} each time.
Product: Credit card

Avant , LLC XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX I paid off this card to XXXX and then closed the account. I even triple checked when I did it and afterward, they added a charge. I disputed paying anything else after the account was already closed and even had told them on the statement you can see that I paid it exactly down to XXXX then closed the account but they did not want to listen, kept telling me how much I owed then write me off. It damaged my credit and I didn't owe the amount but had no idea what to do about it because they would not listen. I am on social security and have many issues but making sure I pay my bills is not one of them. I feel like they are just taking advantage of me they sent me a recent bill last week and I tried to speak with them again, still to no avail so I got angry and found you. If you can help me please do, you can contact me anytime. 

XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After several disputes with BBVA Compass and bureaus, finally it was clear there was a late paytment that became a charge off. I paid this late paytment as soon I found out and tried to clarify if there was mine. BBVA provided the requested information, and there was a late paytment that I found out too late, but it was paid in full.

For some reason, XXXX and XXXX are showing a 'remark' or 'comment' where you can read settle less that full balance or paid for less than full balance.

In previous disputes with XXXX and XXXX it is clear it was paid in full, and BBVA Compass confirmed time ago by phone, they sent this comment by error, and they sent againg the information assuring it was paid in full after charge off.
Product: Credit reporting or other personal consumer reports

I came into information which lead me to the Lawsuit filed by The CFPB against Experian. I feel I was negatively affected by the same practices alleged in the Lawsuit hurting my chances at credit when receiving a response to my earlier disputes that the accounts were verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS UNAVAILABLE TO ME ONLINE DUE TO A COMPUTER GLITCH OF THEIRS..IT WOULD BE GREAT IF THEY KNEW HOW TO GENERATE SECURITY QUESTIONS SO I COULD USE THE SERVICE. 
THERFOR I OFFER THE FOLLOWING COMPLAINT : XXXX XXXX XXXX XXXX XXXX XXXX  HAS DEFRAUDED ME.I PAID XXXX DOLLARS UNDER A DURESS SETTLEMENT THAT I SHOULD HAVE PAID NOTHING. 
XXXX AT TIME OF SALE /SERVICE INTENTIONALLY WILLFULLY DEFRAUDED ME AND VIOLATED THE IMPLIED WARRANTIES LAWS OF CALIFORNIA . 
DUE TO THE UNDISCLOSED LACK OF CELL TOWER COVERAGE IN MY AREA XXXX SERVICE WAS DROPPED CALLS, INTERFERENCE, MISSED MESSAGES AND JUST GENERALLY FAILURE PRONE.SINCE XXXX KNEW THIS THEY SHOULD HAVE NEVER SOLD ME THE REASONABLE EXPECTATION OF ADEQUATE SERVICE. 
I WOULD LIKE THIS XXXX ACCOUNT DELETED FROM ALL CREDIT BUREAUS.
Product: Student loan

My student loan was transferred to Nelnet around XX/XX/2015 ( about {$64000.00} ). I had been happily paying {$550.00} per month ( {$190.00} to principal, {$360.00} to interest ). In XX/XX/2015, Nelnet reduced my automatic payment to {$340.00} ( without asking me ). I assumed they knew what they were doing. Wrong. They used all that payment to pay interest without applying anything to principal! I am now two years behind in lowered principal plus, my loan amount is now up to {$64000.00}! I contacted them last month and they agreed to raise my loan payment. It is now {$570.00}. But, they are only applying {$35.00} to principal and {$540.00} to interest! My rate is supposed to be 6.625 %. Where is all this interest going? At this rate, it will take me 153 years to pay off this loan! ( 153 x 12 = 1836 months which equals {>= $1,000,000} of payments ). Of course, I will be long dead by then. Is n't this malpractice? In my business, I would lose my license for doing something like this.
Product: Money transfer, virtual currency, or money service

Im trying to link my account with XXXX XXXX  And pnc will not allow a link to the stock investment company
Product: Credit reporting, credit repair services, or other personal consumer reports

Who it might concern with this letter I inform that my fathers social security number are very similar with only one digit difference we have both the same name and have shared same addresses for the past 15 years. My father social security number is completely the same expect for the last number his social security ends on XXXX and mine ends in XXXX. As a result the creditor XXXX XXXX  with account XXXX and the debt amount of XXXX needs to be removed as they do not belong to me but to my fathers. In case an affidavit is needed my father has signed and dated one with documents confirming that this account belongs to him.
Product: Credit reporting

Equifax / cfpb denote if Equifax is willing to settle on removing all item that I been disputing with them for Months and all credit inquires that does not hold any opened accounts in my credit file I 'm willing to drop all investigation with the cfpb and any other parties who is involved Like I said In prior disputes here I 'm not looking for any money or any trouble or etc I just want what I 'm entitled to per the law. If they can give me their word and see to the above opened statement in this dispute I 'm willing to settle this and wipe this all away!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent off several Identity theft letter regarding fraudulent accounts and inquiries on my consumer report It has been way over 30 days. I just recently just sent off another Identity theft letter with an FTC report on the XXXX of XXXX and it was received by All of the three consumer reporting Agencies. I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these accounts with 30 days gives a reason to immediately delete these accounts from my consumer report. It has been over 30 days so the accounts should be deleted promptly. I demand these fraudulent accounts and inquiries be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong person hands
Product: Debt collection

Moved from XXXX XXXX XXXX XXXX, PA XXXX on XX/XX/2019. 

No owners never changed utility into their name and used electric in my name fraudulently. I contacted XXXX numerouse times. Will not remove negative collection from report for {$2700.00} Penn Credit Cor CpXXXX XXXX {$120.00} XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I've attempted to unfreeze my credit by calling three different numbers : XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, and XXXX ( XXXX ) XXXX, but each time, the automated system has made it incredibly challenging to speak with a representative. Even when attempting to use the website, I was directed to experian.com/XXXX, where after logging in, I was prompted to sign up for a credit report. After inputting all my information, I encountered two internal error messages, leaving me with no resolution. It's unacceptable that such a basic task has turned into a nearly two-hour ordeal with no end in sight. This process urgently needs improvement, whether through streamlining the website or addressing technical issues promptly.
Product: Debt collection

Fortiva calls from the number provided 3+ times a day. XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX. Every 2-3 hours I recieve a phone call. I have told them numerous times that I am at work during these times and am unable to answer the phone calls at this time. My wife, who handles my account with them had confirmation from the company that my account and her account were both in good standing but the calls continued. Finally had a chance to answer the call today and they said I owed {$1.00}. Yes, you are reading this correctly, XXXX phone calls a day for {$1.00}, XXXX dollar, not XXXX XXXX dollars, XXXX DOLLAR. After authorizing them to take this dollar, I called the company to file a complaint about their frequent phone calls and the fact it was {$1.00} and why we were told we were in good standings. Asked for a manager, got put through to a lady named XXXX, who was not a manager, then got put through to XXXX, who said he was a manager, he kept saying there is nothing he can do about their collections policy and has no control over it and that the dollar warrants the calls, when I would not accept that as a valid reason for the continued harassments he without telling me, put me on hold and transferred me to XXXX who parroted everything he said. These people and this company doesn't realize that to pay a debt I need to work and them taking this time away keeps me from making money to pay their {$1.00} that will make or break their company. So here I am today, taking a day out of not making money to deal with their ridiculous business practices over {$1.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is involving a collection with XXXX XXXX. My ex-spouse XXXX XXXX signed as a guarantee for this apartment, but he was the Primary tenant. He had another residence as well, hence why he signed the apartment as a guarantor. He is responsible for this collection not me and was aware of this. And I have not seen any documents aligning me with this collection. I should not be held liable for this apartment, whenI was sustaining a household on the other side of NC.
Product: Credit reporting or other personal consumer reports

Dear OneMain Financial Customer Service, I am writing to formally dispute the reporting of late payments on my OneMain Financial account ( Account Number : XXXX ) for the months of XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I believe this information is inaccurate and is causing substantial harm to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate information to the credit bureaus. By continuing to report these late payments, you are in violation of the following FCRA provisions : 1. ** 1681s-2 ( a ) ( 1 ) ( A ) ** Duty of furnishers of information to provide accurate information. 
2. ** 1681i ( a ) ** Procedure in case of disputed accuracy. 

The continued reporting of these inaccuracies has significantly damaged my credit score, affecting my ability to secure loans and resulting in financial loss. If these errors are not corrected, I will have no choice but to seek legal recourse. 

Litigation will not only demand correction of these errors but also compensation for damages incurred. Based on precedent, I estimate the litigation cost for both parties could exceed {$10000.00}, including but not limited to attorney fees, court costs, and potential statutory and punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Trans Union reported that I had a hard inquiry from XXXX XXXX, a company based in XXXX, Kentucky. I did not apply for any loan or credit card from this company. This is fraudulent activity and I need this to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I saw a card was open in my name and I have no knowledge of the account
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is Victorias Secret Angel credit card account ending in XXXX, as reported by Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX. 
This charger off, account record is inaccurate, I am requesting that the account be deleted. And no longer reporting. 
Please investigate this matter and correct the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I believed I was purchasing one bottle of ACV+Keto from XXXX for {$6.00}, which was advertised. I clicked on the link from XXXX and was taken to the site where it asked if I wanted to purchase one bottle for shipping and handling. I clicked yes, then asked if I wanted to add more bottles I clicked no. Next thing I know I received an alert for a purchase from my Chime app and I looked at it and seen {$190.00} was charged to my card. I immediately tried finding the phone number for the company and it was very difficult finding contact information. So I contacted Chime right away and told them I was charged incorrectly. Chime opened a dispute. XXXX Chime emailed me stating there was no billing error and I would be responsible for the {$190.00} charged. On XX/XX/2022 I forwarded to Chime the email I received from this company after emailing 2 companies I thought could be the one that incorrectly charged me. I called Chime on XX/XX/2022 to see why dispute was denied and I was told by the agent it was incorrectly closed for receiving incorrect product. I never received a receipt from this company that charged me incorrectly. I just received another email from Chime XX/XX/2022 " We have reviewed your request and we do not find that you have provided us with any additional information to consider related to your claim. We have reviewed our findings and we stand by our initial decision. We do not find that an error has occurred. We consider this matter closed. '' I know I was charged incorrectly, never received a receipt, have not received any product, and I feel the decision Chime has made is incorrect and I do not owe {$190.00} for bottles of a supplement I did not want. I was willing to pay {$6.00} for one bottle that was advertised. There was no checkout page on this company 's website for me to even be given a chance to back out of buying anything. This is a scam and the financial institution I trusted to protect me and my money has not!
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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.