23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I took a loan with LendingUSA in XXXX, starting in XX/XX/XXXX. I was to pay {$130.00} until XX/XX/XXXX, which I did on the due data of the XXXX of each month. Apparently once payment did not go through so that I was charged Account : XXXX. 
I received emails from the company until XX/XX/XXXX. I contacte dthem to let them know that I moved and provided my new address. My phone number has not changed though, and my email address either. 
In XX/XX/XXXX, I was informed by my credit monitory system that LendingUSA has flagged me for 30 days late. I was surprised since they took {$130.00} on XX/XX/XXXX, therefore was expecting that they would continue debiting my account until the different fees were paid off. Thye had not contacted me before glagging me 30 say late. I contacted them to tell them of the mistake - both continuing to take from my account as agreed, and flagging me 30 days late. In spaite of everal phone calls and emails, they refused to change the reporting and said that they would continue to flag me late and take from my bank account. I told them to stop taking from my bank account is they were going to continue flagging me late - now 60 day late. 
My credit has dipped more than 30 points due to this and is preventing me from getting a mortgage.
Product: Student loan

My auto-debt amount was change without my permission. I had agreed to an auto debt amount of {$220.00} for my student loans, and this was taken for 5 years straight. Then it was lowered to {$140.00} with out my consent. When I contacted the company, they informed me that the account had been routinely audited and that my current payment would lead me to overpaying the loan before the loan due date. So they lowered the auto debt amount that i originally sign up for. This caused me to pay more interest on my loan. When I called them to get it changed back and to get a reason, it was extremely difficult and time consuming. Not to mention that the only notice I got was at the bottom of an email, and I did n't catch the change for months.
Product: Debt collection

I have never received notification from this company that I owed this really old debt that was previously charged off by XXXX over 9 years ago. I initially informed XXXX back in 2015 that this debt was charged baby my ex husband without permission and was fraud. This company has now purchased this old charged off fraudulent debt from XXXX which was purchased by XXXX and now placing this fraudulent debt into collections to damage my credit for another XXXX years. This should be removed from my credit bureau.
Product: Money transfers

I did log in to my PayPal account to transfet my money to my bank account but my money were locked and I do not have access to a few thousand dollars in my account anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On Thursday, XX/XX/XXXX, I called the Check N Go debt collections number to let them know I am unable to pay the full amount I owe due to significant reduction in hours at work. I can barely pay my monthly rent, much less extra expenses. I agreed to pay what I could that day, which was {$40.00}. I told them I could call back on XX/XX/XXXX ( my next pay date ) to make another payment. The original person could not get my card number correct event after three tries. I asked to speak to a manager, as I was frustrated. The manager told me at first that if I just gave him the next date of when I would call in, it would take my loan out of active status and I would stop getting calls. I gave him the date, then he backtracked and tried to get me to commit to paying an amount on a specific date. I told him I do not want them withdrawing money out of my account automatically. He then told me I needed to commit to an amount in order to be taken off active status and not get repeated calls. That is not what he originally told me. I feel that he put me on a list and is punishing me because I was irritated with him and expressed my frustration. It is not my fault that I got reduced hours at work, and they need to work with me on payments that work with me.
Product: Credit card

Paid bill via their app ( which now combines several of their card products into one portal ). Paid minimum due plus an extra payment ( see screen shots attached ) via app and received payment confirmations. Web site states online payments need to be made by XXXX to be posted for the same business day. Payments made at XXXX. This morning, I find that they did not post payments to my account and tacked on a late fee when they cut my statement and show me as over my limit as a result.
Product: Credit reporting or other personal consumer reports

This is my XXXX attempt to get this matter resolved. I've submitted my previous letter to XXXX credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA XXXX XXXX. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 debt collector IC systems representing XXXX XXXX XXXX is saying i owe {$840.00}, on my XXXX credit report. I do not nor did i ever have an account with them, this person XXXX XXXX XXXX  name was on my credit report and she impersonating me and using my name. i have no debt with this company, and XXXX XXXX XXXXXXXX refuses to speak with me or XXXX to get this off my credit report. 
XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX The original creditor is XXXX XXXX XXXX. 
THis amount is not owed by me, i am a victim of fraud. The investigation by XXXX on XX/XX/2022 came back saying the disputed item is accurate and it is not. 
XXXX XXXX XXXXXXXX  on XXXX XXXX placed {$840.00} on my ( XXXX XXXX ) credit report. 
I want it taken off immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to complaint # XXXX. This response is to make Transunion aware that they have defaulted by not rebutting my affidavit with an affidavit however I am giving them the opportunity to cure this matter by giving me my original remedy requested in my initial complaint which is to delete each account listed from their consumer report and pay the invoice for compensation of each violation they violated. I have attached my initial complaint for reference. Accounts to be referenced are in my initial complaint and have been circled for reference. Transunion has already received this complaint however they are wasting my time with stall tactics instead of following the LAW pursuant to 15 USC 1681.
Product: Credit card or prepaid card

On XX/XX/2018, I authorized a XXXX deposit payment to XXXX XXXX  and Title ( XXXX XXXX ) through CITIBANK Credit card. However, no discussion was bought up about the deposit policy or refund/return policy. I did not read or sign on the Sales Order where in the left corner with small notes saying that " Deposit is Non refundable and will be service charge if the customer cancel the order. '' On XX/XX/2018, I visited the store and told them that i would like to cancel the original ordered items but would like to purchase other items in their store and apply the XXXX deposit toward the new purchase. They refused. I did not take any goods or service from this store what soever. BTW, none of my original ordered items are customized order like cabinet. They are general wood floor and tiles which can be resale to any customers and therefor should be returnable.

On XX/XX/XXXX, after not reaching any agreement with the merchant, i called CITIBANK and filed a dispute. CITIBANK credited XXXX  back to my account.

On XX/XX/XXXX, CITIBANK recharged me XXXX  because the merchant responded by providing sales order with my signature, which later on i emailed to prove the signature is forged.

On XX/XX/XXXX, CITIBANK informed me via e communication email informing me that they will close the investigation based on the proof the merchant provide.

On XX/XX/XXXX, I responded back to CITIBANK via email stating that i disagree with the decision to close the investigation. I provided 2 attachment. 1 ) My copy of the Sales Order shows no sign of my signature. 2 ) I provided a payment history record between me and my contractor from XX/XX/XXXX-XX/XX/XXXX with 7 signature of mine. This proves that they forged my signature in the Sales order that they provide.I did NOT give consent that the deposit is NON Refundable under any circumstances. I did not even touch any of their goods or service, therefore i deserve to get the majority if not all of my XXXX deposit back.

On XX/XX/XXXX, CITIBANK issued a dispute letter informing me that because the merchant did not issue a Credit Receipt to CITIBANK, therefore CITIBANK can not further dispute this issue in my favor. Of course the merchant don't want to return my deposit, that is why i reply on CITIBANK to fight at my side.

on XX/XX/XXXX, i called CITIBANK dispute center. The representative told me that this investigation is closed. I will not get even 1  cent of the XXXX   deposit i was charged even though i have not take ANYTHING from the merchant. This is horrible customer service and is the total opposite of what they advised - " CITI is at your side with every transaction ''.

I am contacting CFPB to urge CITIBANK to reopen this investigation and act with fairness towards its ' own customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  should not be reporting to XXXX  ; Experian and XXXX  that I am ( XXXX ) days late on the XXXX  XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account is on auto-pay and therefore there has never been a missed payment. I have attached a copy my account payment history for reference. This false reporting of lates is seriously harming my credit score and these line items need to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to fix this however, I have not been successful.
Product: Prepaid card

Ok i get my check direct deposit with cash app every thing was fine now there saying they return my check and close XXXX  account and im XXXX XXXXXXXX in the whole
Product: Checking or savings account

XXXX  My bank account login is locked. 
Need call the office. 
I call XXXX they are well, but they say colse my account. I dont know why close, they dont have any connection. They give me ask no questions close. Please check. Give me a what happened
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT.XXXX XXXX
Product: Debt collection

We signed up for a plan with XXXX phones with XXXX, as offered by a XXXX salesman . One of the phones did not work upon arrival, and the other never worked properly. The first phone was returned but we never received a replacement, even though they continued charging us. We were also told that the terms of the plan as described be salesman were not accurate. After weeks more of phones calls and broken promises, we began asking how we might terminate the contract. Finally, an associate, on a recorded line, agreed to terminate the plan with no further charges so long as we returned the second phone, which we did. We received a partial refund, for the phones and some for the phone line we were never able to use because we never had onXXXX of the phones. Later, XXXX began trying to recover the funds ( over {$200.00} ) through my husband 's credit card company, XXXX. They lost multiple disputes. After they lost one, they tried to reapply the charge as a " recurring charge '' even though the account had been terminated ; the credit card company again sided with us. He was also able to recover a bit more money in the process by disputing the older XXXX charges with XXXX. Now they are pursuing this through a collections agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Where do I start. My Person information was hacked via several companies since XXXX. XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX ) ; and IHA ( XXXX ). I have been fighting a credit nightmare with XXXX debts that are fraudulent every since. By : ( XXXX XXXX XXXX {$2600.00} ) and ( XXXX XXXX XXXX {$1000.00} ). I having been " Disputing '' having fraudulent reports removed by credit bureaus ; only to have them resurface year after year via the same collection agency or a different collection company, who so called purchased the debt. from the one in which was previously disputed and removed. I know, its ridiculous, and even more concerning that the credit bureau are allowing this process without cross referencing them as a previously disputed and removed from my report under the same name, and or a duplicate disputed collection removed under a different name. Please help! I worked so hard to be economically responsible ; only to spend a ridiculous amount of time disputing obvious fraudulent reporting in efforts to intimidate and fraud innocent consumer out of their hard worked finances and to tarnish their credit history.. As a consumers, the current resources the credit bureau have XXXX place are not in the best interest of consumers who have been victimized over and over by hackers, scammers and collection practices that not only operate unethically ; but also abuse their ability to report debt prior to proof of identity ; and or ownership of reported debt in and attempt to collect via theft.
Product: Credit reporting or other personal consumer reports

This account has a first late payments XX/XX/year> which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received one report from you but it does not have the information I requested mentioned above, that is not what I am asking for. I attach the report that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my Account XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I pulled my reports and noticed some unauthorized inquiries that were not initiated by me. 
Please remove as a results of identity theft.
Product: Consumer Loan

In late XXXX 2015, I cosigned an auto loan for a grandson living in XXXX XXXX, North Dakota. The paper work was XXXX and signed XXXX XXXX, 2015. However, starting the XXXX week of XXXX 2015 I received various notices from different banks stating that the auto loan had been denied do to my bad credit : SunTrust, dated XXXX XXXX, 2015 ; XXXX XXXX, dated XXXX XXXX, 2015 ; XXXX, dated XXXX XXXX, 2015, and XXXX, dated XXXX, 2015. All these banks turned my credit down. See attached copies. 
During the XXXX week of XXXX 2015, SunTrust sends me a notice, dated XXXX XXXX, 2015, stating that the auto installment payment is overdue!!! I was aghast at this notice because SunTrust had turned my credit down on XXXX XXXX, 2015, and now they were asking for their auto payment installment. Since the XXXX XXXX, 2015 letter by SunTrust turning down my credit, I had not received anything to the contrary from SunTrust, or any other bank that had turned down my credit for the auto loan. 
Upon receipt of this XXXX XXXX, 2015 notice by SunTrust asking for their auto payment installment, I phoned the bank stating that I had no auto loan with them because they had turned down my credit in a notice dated XXXX XXXX, 2015. How could this be? I asked them. They stated that they could not do anything about it, and for me to get ahold of the auto dealer in North Dakota. I called the auto dealer in XXXX XXXX. The auto dealer stated that the banks had turned down my grandson 's credit but not mine, and that my credit was good, and therefore they had released the auto to my grandson on XXXX XXXX, 2015. I said how could this be since SunTrust notified me my credit was bad, and they could not proceed with the financing? Again, they repeated that my credit was good and therefore they had released the auto to my grandson. I could not understand their logic. 
Once those banks turned down in mass my credit application, which I had signed in good faith, I completely gave up. I started to inquire the credit reporting agencies why my credit was bad. My issue is why would SunTrust Bank turned down my credit, and then turn around, a month later and ask for a late auto payment installment? SunTrust Bank, nor any other bank that turned down my credit, never ever notified me that my credit had been approved after all. It does not make sense. I state that I have no credit with SunTrust Bank because they denied my credit on XXXX, 2015.
Product: Credit card

On XX/XX/XXXX, I submitted a dispute for XXXX x fraudulent charges of {$200.00} each which were made on XX/XX/XXXX. This was on my Citi Bank XXXX XXXX. 

The charges have showed up as " disputed amounts '' and " unsettled ' on every credit card statement since then, and since they are disputed, no payment was required. I never received any information on the investigation from the bank despite numerous calls to follow up on the progress. 

In XXXX of XXXX, over a year later, the charges on my statement switched from " unsettled '' to " settled '' in the cardholder 's favor. However, my credit card balance also changed from {$0.00} to {$400.00}. I was not made aware of this, and only discovered this when I was emailed in XXXX of XXXX that I was late on a payment. Please note this is a corporate credit card, so I hardly use it and was shocked I owed money on it. 

I called the bank to ask why the charges were settled in my favor yet are now showing up as " past due amounts ''. They stated that perhaps a credit was given in the past for the charges and they would look into it. I've looked through every statement since XXXX of XXXX and at no point was a credit added to my account. 

Now, I have an outstanding balance of {$400.00} since XXXX of XXXX, and an additional late payment charge of {$10.00} on my account. Every time I've called the bank, they tell me it will be resolved within the week but the issue still persists, and I'm worried it will impact my credit.
Product: Debt collection

Trident asset management is a debt collector stating that I have a unpaid debt owe to XXXX XXXX XXXX XXXX as of XX/XX/, which I never had any type of information of this company or that I owe money to this company, I dont even know this company at all this is not my debt I think this company is mistaken me with another person and this company is threatening me that a negative credit report will be submitted on my credit record and I have proof of the thread.
Product: Credit reporting or other personal consumer reports

I went to XXXX to inquire about a car. I told them not to run my credit as I wasnt sure what I wanted to do and I would contact them to let them know. I have a witness who was with me and the guy XXXX who works at the XXXX location said he would not run my credit. As soon as I left the company ran my credit 7 times. I ask him why he did that and he said he forgot I asked him not to. I had my friend with me who can verify he said he would not run my credit. I asked to speak with a manager but no one would talk to me and he refused to take my calls and wont call me back. Its not right that companies can do this without any type of repercussions.
Product: Credit card

I signed up for a bread cashback card in XXXX of XXXX  but have still yet to receive my credit card. I called them in XX/XX/2023 and they said they would re-send it but I still have not received the credit card I was approved for. I am very disappointed. The call center in XXXX is terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Commercial Services Inc at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX is a collection agency reporting for XXXX XXXX originally contacted me on an unpaid insurance balance of {$7200.00} as of XX/XX/2020 with a payment agreement of XXXX XXXX  monthly. After paying monthly as agreed the balance kept accruing interest and is now reporting to the credit bureau in the amount of {$8300.00} from the collection agency. The payments that I have made were not properly applied to the unpaid balance and the balance is now increased on a charged off account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt XXXX  and would like for all listed accounts to be BLOCK AND DELETED!!!! I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CREDIT REPORTING ACT. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) Accounts : 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

I have tirelessly tried to resolve this matter with this collection company but to no avail. I found this company had reported an account to my credit report which I believed was an invalid debt not belonging to me. I sent them by certified return receipt mail a debt validation letter dated XXXX XXXX, 2017, which they conveniently ignored. Concurrently when I disputed the item with the credit repositories, I was told that the debt collection company responded back to them affirming that this account was valid. I am appalled that this company continues to violate my rights and refuses to delete the account despite not being able to provide the original debt instrument.