23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My account was closed the day I made a payment, it was a payment to pay the past due after a rep said that was all I had to pay, so I called and a manager reopened the account. At that time a new card was reissued and I was told that I needed to call back and pay the balance after the new card was received. well the new card was never received, I've called several times to get the new card or pay the balance but was told by several reps that I could not pay until the new card was received and that was since XXXX. Yesterday XXXX I found out that the account was closed again so now I'm confused. I was told it was reclosed due to non payment, but Citi AAdvantage reps would not take the payment until I had the new card. My account is aging because the payment and new card situation. I am being unfairly treated. I asked the supervisor to listen to the recorded conversation where I was denied the payment being taken until the new card was given. My credit is being hurt due to the aging
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 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 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: Debt or credit management

The credit management app Tally closed business and passed my debt to a credit collection company thats charging outrageous fees and increased my interest rates all while not providing the services originally advertised. 

They also took my final payment of {$340.00} ( made on XX/XX/XXXX ) and neglected to pay my credit card bill, effectively stealing from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a collections notice on my credit report. I don't owe any money and this is the first time I'm hearing of this debt. I want this item removed from my credit report. 
Fair Credit and XXXX Amount {$10000.00} Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started in XX/XX/2022 reaching out to the reporting agencies to get the information on my credit reports changed accurately. I contacted XXXX, XXXX XXXX, Third round dba second round limited partnership, and legal shield. I put 11 accounts into a debt consolidation they were all settled. The companies all but 3 that XXXX owned originally reported Paid settled- less than full balance. XXXX is reporting derogatory and charged offed as bad debt or in collections which is not the case. It appears on my credit report as if I can still be sued and like I havent settled or paid anything. I have the release papers stating the settlement. None of the companies are taking responsibility. XXXX says they gave it to XXXX XXXX, XXXX is saying they didnt take the payment Third round dba second round is saying theyre not reporting. Its a joke to them. If I want to make a big purchase its not a good look on my credit report I look like I didnt pay anything. I tried to be as responsible as possible considering my situation at the time. Comenity, XXXX XXXX, Third Round dba Second Round Limited Partnership do the the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this issue 3 times with Equifax and XXXX. XXXX  has my information correct. Except the XXXX account which I am currently disputing with them. For some reason Equifax and XXXX  websites will not accept my documents and they are only taking into account what XXXX and XXXX are saying about my accounts. I have tried to submit documentation to XXXX  and Equifax several times and they either disregard my documentation or their website will not accept the documents. The XXXX and XXXX XXXX accounts are being reported incorrectly on my credit report. Equifax and XXXX  are reporting an initial delinquency date of XXXX for these accounts however, this is incorrect. The initial delinquency date is XXXX. I have submitted payments history and even my XXXX  credit report proving that these accounts initially went delinquent in XXXX. These accounts are over XXXX XXXX XXXX and need to be removed from my credit. Please help me!
Product: Debt collection

I moved in to XXXX XXXX XXXX in 2013. I informed them my new construction home was being built and i would likely move out before XX/XX/2013. I was informed I would have to be out before the beginning of the any month and still pay that months rent per policy of breaking the lease prior to 1 year. I moved out in XXXX more the two weeks before the XXXX as well as had the apartment cleaned. I also gave them the last check that they requested ( which they cashed in XXXX ). I have never heard from them since until applying for credit and being told XXXX XXXX XXXX in collecting on the account.
Product: Credit reporting or other personal consumer reports

I had a vehicle in XXXX XXXXXXXX bankruptcy. I called Toyota Financial and asked how much I owed. I paid the {$450.00} that I was told that I owed on XX/XX/XXXX. I asked them to update my account as paid in full and to correct the balance owed to {$0.00}. They did not correct it, even after I disputed it with the XXXX credit bureau. I have had problems with this company reporting incorrect information since I filed for bankruptcy in XXXX. The didn't report any payments through bankruptcy but reported one payment in XX/XX/XXXX. They sold my account previously to XXXX XXXX XXXX which was supposed to be submitted to the bankruptcy trustee but never was. I also was not informed. Then they bought the account back and when I called I was told that I couldn't make a payment to them because they should have sent my account to a different collection company. My account has stated delinquent, while in bankruptcy, then changed to XXXX. XXXX wage earners plan and now says charged off. I would like for Toyota to remove charged off from my credit report because they received all of their money and there was a payment plan to repay the loan. They reported charged off several times on different parts of my credit report. Also, the company that they previously used for collections recently pulled my credit even through they have not had my loan since XXXX. This company is awful. They deliberately report false information on people 's credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$1300.00}
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and I found that there are a lot of fraudulent hard inquiries and personal information, please see attached documents.
Product: Credit reporting or other personal consumer reports

I requested a dispute on the Following items and ask to have there investigation information they used be provide to me they send nothing and just said it was verified here are the items. 

1. Regional Acceptance : The balance is incorrect. the reporting history incorrect, the the car was returned per the XXXX Court.

2. Opp Loans : The payment history is incorrect and the account is paid in full 3. All three of the XXXX XXXX on the credit has faults and inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulently charged account they are reporting but to my surprise this company still insist on reporting these accounts even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from the charges in these accounts. 

MACYS/DSNB, Account # XXXX, Date Opened XX/XX/XXXX You are even duplicating this fraudulent account on my report, which is completely affecting my credit score. Please delete these Duplicate fraudulent accounts asap!

This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XX/XX/XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them at XX/XX/XXXX 2. mY FTC report 3. My small claims form in case they fail to remove these fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Onemain called me and ask if i wanted to continue with application for a loan. few minutes earlier i received alerts from my credit monitoring service telling me Onemain financial in XXXX, SC pulled my credit without my authorization. i called the number back and spoke with a lady name XXXX. i told her i didn't apply for any loan with your company online or in person numerous times. XXXX told me to contact the credit bureaus to dispute the fraudulent inquiry, i told her that i was going to get a police report and send it to the credit bureaus for fraud...
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX  by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've just received a copy of my consumer report and noticed some unauthorized inquiries on my consumer report heres a list of the items i want removed and they are not attached to any account currently on my consumer report. US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX THANK YOU
Product: Credit reporting or other personal consumer reports

Please take notice that this complaint will constitute a Pre Arbitration / Litigation Demand Notice There is an account reporting as a collection on my credit report from the debt collector named XXXX XXXX XXXX in the amount of {$2200.00} with interest accruing every month for a Rental Lease for an apartment Unit which was not on the Lease contract that was provided when I reached out to the debt collector and asked for them to Validate the debt. I have attached the Debt Collectors Debt Validation response. If you examine the Rental Agreement, you will notice that the Unit referred to in the agreement is unit # XXXX which the lease was paid in full however XXXX XXXX XXXX is stating that I owe them for Unit # XXXX which is false and misleading because I lived in unit # XXXX before I moved to my current address. This is evidence that inaccurate information is being reported. I have sent disputes to Experian disputing the accuracy of the account and it came back verified every time. This is evidence that Experian is violating the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contracted in connection with the dispute. Furthermore, I am demanding prompt removal of this account from my credit report and compensation in the amount of {$2500.00} for damages caused by this inaccurate report being validated which caused for me to be denied for credit which harmed my livelihood. Failure to remove the derogatory account and compensate me for damages will force me to initiate arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file Chapter XXXX bankruptcy on XX/XX/XXXX. My Citi Card L.L. Bean credit card was also iIn my bankruptcy petition. Last month I got an email for my statement. I called them to tell them to stop emailing me I file Chapter XXXX I am in the chapter XXXX clause. I got an email yesterday morning at XXXX with my statement. I told them I am file Chapter XXXX bankruptcy do not contact me that theyre not supposed to contact me. Theyre violating the chapter XXXX laws and they need to be held responsible for their actions.
Product: Student loan

AES ( also known as PHEAA ) is consistently endorsing sending repeated documents through the mail related to 1 delinquency, and this happens throughout a period of 30 days. At this point in time, I have no idea how many pieces of hard mail actually were sent, who they were sent to, and if they have proof of sending them and proof of them being delivered. 

I have a huge problem with this because this opens up ANY INFORMATION contained within those mailings to hackers, identity thieves, and any potential individual who wishes to steal information for any type of reason that could be construed as malicious. AES, instead of recognizing that this is a global issue refuses to do anything about it nor will they cooperate with my plea to refrain from this practice. We 've already had one major company who manages the Credit profiles of United States citizens allow and engage in a breach to occur which affected a very large majority of Americans. 

I refuse to be the victim of this type of criminal behavior going forward. Organizations, specifically financial lenders, banks, and Aid organizations need to be maintaining this as all organizations need to have extreme integrity. Conclusively, if AES will admit that they can not do anything about this, then that openly identifies them as an organization who refuses to abide by keeping information confidential. I 'm appalled that we have organizations who are this careless in our society, as our generation of individuals becomes more and more unprotected from those people and parties who wish to do those of us harm. 
Here 's another problem I have with AES responses to this ... they claim that they do n't put any personal information on those mailings. What they need to understand is that ANY INFORMATION on those documents is enough for a cyber-hacker to use to steal information or hack into a system where they can retrieve the identity of an individual/individuals. 

In addition to this, I 'm forwarding all of this to the current President of the United States, because I think he needs to be aware of just how serious organizations are taking security these days. I think it goes without saying that he would agree with me.
Product: Checking or savings account

I deposited a income tax check in my account around XX/XX/2023 and and the bank Navy Federal that I was banking with restricted my account saying the check was bad but it cleared and my funds is still in my account I gave them my tax advisor information etc they made me file an appeal the mad me wait 5 days to 15days to now 2 months now and they are still giving me the run around and they are taking money out of my account to pay my credit card bills and car note but still cant access funds and its almost a year now
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in electronic and written disputes. XXXX keeps saying that it has completed an investigation but has ignored my requests for documentation. The account in question is a XXXX XXXX credit card ( XXXX ) The error occures inbetween XXXX and XX/XX/XXXX. There are almost XXXX dollars added to the balance. The card only had a limit of XXXX. What is more I paid that over 2 years ago and I am still seeing missed payments and an absurd balance. At this point XXXX has refused to provide me any documentation of an acutal investigation and is in violation of my rights under FCRA. I ask that this account be removed immediatley!
Product: Debt collection

XXXX XXXX failed to respond to my CFPB complaint as of XX/XX/2018. This by default, requires the organization to remove the debt posted to all my credit bureaus in the amount of {$130.00}. After multiple previous attempts I have disclosed my monetarily exempt income and zero potential for future collection as a result. This organization has failed to validate the collection potential of a debt over 2 years old. I appreciate the CFPB 's intervention to resolve this issue or escalate accordingly.
Product: Credit card or prepaid card

I contacted Capital One regarding the interest on a closed account. The agreement was for 93 a month, however the fees alone total half of that payment, It is simply too high. I will never get ahead. I contacted them to remove the late fee and also help me with the balance but they refused. I need assistance with this bill because at this rate I will owe them even when I die.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy showing on my credit account, I put in a dispute to Transunion on XX/XX/29 and got the results back from them verifying the information on XXXX. This information is inaccurate. They advised that the court reported to them to verify the information. Bankruptcy court confirmed they do no such thing. Also public record has the case number incorrect and this is not my file. This is someone with a similar name and ending social security number that lives in AZ.
Product: Credit reporting, credit repair services, or other personal consumer reports

The nature of this complaint is towards ( i ) False Claims and False Credit Reports filed. ( Professional Negligence and Damages done to plaintiff 's personal credit ) XXXX CREDIT CARD falsely reported negative items on all 3 of my credit reports. ( Total Fraud ) Slander I now can not get a home loan or car loan or credit due to XXXX FALSE CLAIMS of delinquent credit in my name. ( I am a XXXX retired XXXX XXXX on a fixed income NOW LOSING MY HOME DUE TO POOR CREDIT ) XXXX of XXXX my credit was stolen and used in CA and NV without my consent or knowledge. I reported it stolen to XXXX and they stated to me they would do an investigation and remove the fraud charges from my credit card. I filed a police report with Las Vegas Metro and the FBI. XXXX never informed me BUY MAIL OR EMAIL THEY ARE DENIED MY FRAUD CLAIM AND PUT MY ACCOUNT AS DELINQUENT ACCOUNT AND RUINED MY CREDIT. XXXX NEVER DID AN INVESTIGATION OR LOOKED AT THE ATM CAMERAS. I am a XXXX XXXX XXXX with perfect credit all my life. I have sent request by mail proving I was not in the state when the fraud occurred on my credit card or am I the person on the ATM VIDEOS COMMITING THE CRIMES. 
( I am suing XXXX AND HAVE A COURT DATE ON XXXX XXXX in XXXX XXXX NV ) I will prove in court all my evidence of my innocence in front of a judge and to let the entire world know what XXXX has done to me.
Product: Credit card or prepaid card

company failed to issue merchant credit made excuses when I called them im alleging deception
Product: Debt collection

I receive 6-8 calls a day from different area codes but the same collector to get around the harrasment statutes.
Product: Debt collection

You have no rights to report this XXXX in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this XXXX to you and this is from an unauthorized third party!
Product: Money transfer, virtual currency, or money service

I purchased an item using Paypal and never received the item. Paypal does not want to refund the {$80.00}.
Product: Credit reporting or other personal consumer reports

I continue to have issues with Trans union, and at this time, I would like some answers to why my online access is restricted. I'm able to sign in but when I try to pull credit report, request score, and/or access the dispute center, I'm getting error message " We're unable to complete your request online ''. I had this issue before and I don't understand what seems to be the problem, but this is now the second time I've had issues with Trans union limiting my online access. This is unconstitutional and a form of retaliation in my opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

Dept of Ed XXXX reporting 4 times Us Doe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries i do not notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and, I seek appropriate redress for these violations.