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

Tried to make a purchase with my credit card and the transaction was denied. Called the company the card is with, ( USAA ) and was told that they are now holding payments on credit cards for seven days and that I would have to wait to use the card because it was over the credit limit. The money was taken from my bank account less than 24 hours from making a payment but, the account is over the limit because they will not process the payments I have made. The limit on the card is 18,000 but, I have made payments bringing it down to below 8000. They are sitting on my money and I'm not sure why because this has never happened before. Credit has always been available within 24 hours or so after the debit posts to my bank account. I make multiple payment a month as money comes in and these large payment were made before the due date as always. I'm going to take a guess and assume that they need money because they are an insurance company and may be having issues with accounts in reference to the hurricane in Florida. Interest on that kind of money on thousands or accounts for seven days adds up.
Product: Debt collection

This my second time disputing this collection item. I file for bankruptcy XX/XX/XXXX and discharge on XX/XX/XXXX. This item originally XXXX was included in my bankruptcy. They are reporting it wrong. I file a dispute again XX/XX/XXXX & they responded within a couple of hours by marking flagged account for collections. No, investigation? 

CREDIT CONTROL SERVICE has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 
ALERT DETAILS Alert Date XX/XX/XXXX Source XXXX Company CREDIT CONTROL SERVICE Address XXXX XXXX, MA XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/XXXX Balance {$130.00}
Product: Credit reporting or other personal consumer reports

In XXXX, I sold my home. However, the mortgage company, XXXX, inaccurately reported my home as being in pre-foreclosure on my credit report. I have reached out to them multiple times to resolve this issue, but they have informed me that they are unwilling to correct it or provide any information about it.
Product: Student loan

It is my understanding that under the limited PSLF waiver, *any* prior payment made on student will count as a qualifying payment, regardless of loan type, repayment plan, or whether or not the payment was made in full or on time. However the the servicer has disqualified MANY of my previous payments because they were apparently more than 14 days late. Do ALL prior payments count or not? 

I would like all of my eligible prior payments to count towards my XXXX payments that will allow me to use the PSLF program.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract a signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

Several disputes have been sent to XXXX and Experian to remove this account the information on it is inaccurate the vehicle was resold for way less than what's reporting they last reported this in XXXX of XXXX however the vehicle was repo'ed in XXXX  there was no 1099 sent the dates are inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX lease, with a co-signer that terminated in XX/XX/XXXX. In XX/XX/XXXX, I declared Chapter XXXX bankruptcy. VW Credit stated that a re-affirmation was automatic if we continued to make payments, and no paperwork would be needed. ( Specifically, customer service told me and my lawyer " we ( VW Credit ) don't do paperwork anymore '' ). I assumed that my credit report would reflect ongoing payments, but it never did -- only indicating that I declared bankruptcy, meanwhile notating a repossession that occurred in XXXX. 

Upon the conclusion of the lease, I sold the vehicle to a dealer. Following a dispute to XXXX, VW Credit 's credit bureau reporting has since been updated to only state " Chapter XXXX bankruptcy '' with no mention of the repossession or any negative remarks. However, my XXXX and XXXX still contain negative remarks and negative payment history ( meanwhile not indicating a high/low balance or anything like that ). Because I declared Bankruptcy, there should not be any negative remarks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX
Product: Debt collection

XXXX XXXX XXXX at XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ca XXXX Has been sending me collection notices in the amount of XXXX.The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company.This company does not have a contract with my signature.
Product: Checking or savings account

I had a problem with my water heater. I called my plumber! They fixed it for me. I asked if I could pay in XXXX payments instead of XXXX total! They said XXXX, and to use XXXX! I only used it XXXX before with somebody helping me, so I was very unknowledgeable about how to do a XXXX so I ended up making a mistake putting in a phone number that was XXXX digit wrong and spent {$500.00} to somebody I do not know! I reached out to her and said, can you please XXXX me back my money never heard back from her! This was the end of XXXX so approximately XX/XX/XXXX! I went to my bank to file a complaint. They said it might take XXXX XXXX or so and at the end of XXXX XXXX they sent me a letter that said they cant help me get back that money because I sent it to her! I went back again and filed a complaint again. XXXX XXXX later same thing cant get your money back because you sent it to her! They knew that I sent it to the wrong number by XXXX digit, and I expect to get that money back! Of course I cant do small claims court because I dont have her email or her address. Otherwise I would. What else can I do to fix this? I have heard that there is protection called XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX  XXXX || Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. 
This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. 
I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, They failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor has reported my loan account charged off for {$2000.00} and {$1400.00} past due as of XXXX XXXX with a status date of XX/XX/XXXX. 

All payments were made and the balance shown represents late charges PLUS INTEREST on those late charges. The attached loan disclosure reveals the late charge is {$29.00} BUT the disclosure does not give an interest amount on late charges. Thus, the creditor is in violation of the Truth in Lending Act. Potential lenders viewing my credit report will assume that I did not make the monthly payments and the charge off is due to this failure rather than a dispute as to interest charged. 

Additionally, the creditor has ignored my numerous requests to differentiate between the late charges which I am was willing to pay and the interest amount included with the late charge balance. According to the Fair Credit Billing Act, I was not required to pay the disputed amount and can not be penalized for withholding payment for amounts in dispute. Creditor 's report to the credit bureau that my loan account was charged off violates the Fair Credit Billing law.
Product: Credit reporting or other personal consumer reports

FTC report attached fraudulent inquiry from transunion I am a victim of identity theft. Fraudulent Inquiries are on my credit report on transunion and must be removed - light stream XXXX. my identity has been used without my knowledge due to my identiy being stolen, please block and remove the following inquiries. it is a result of identity theft. 
Thes fraudlent transunion inquiries are listed below are fraudulent and must be deleted and blocked.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX in XXXX Washington on XX/XX/XXXX stating I owed a subrogation claim in the amount of XXXX. I sent a certified letter disputing the claim, requesting a break down of the alleged charges, and proof that the XXXX insurance company paid that much out to their client. This is a subrogation claim. My daughter was in an accident XX/XX/XXXX, she was XXXX XXXX XXXX XXXX. She filed a police report, there were no injuries. I received a claim from XXXX XXXX XXXX XXXX XXXX in the amount of XXXX. I indorsed coupon payable to bearer, and sent a letter of claim of interest, rights and titles with instructions to place the amount of credit into the account for set off and closure. I never heard anything back from them. This is the main reason for dispute. Other than the fact that my daughter was given this car a year prior to the accident, and she was involved in the accident, she also lost the certificate of title. On XX/XX/XXXX, I received a a XXXX  day notice from National Services Bureau Inc. stating they were going to suspend my driver 's license for non payment, and cancel the plates on the car. The car was totalled. I called them on XX/XX/XXXX, or XXXX th. A man answered the phone, said they were suspending the driver 's license. I told him I am owed due process, he said I was not, and subrogation doesn't work like a regular debt, I either pay them, or lose my driver 's license. I informed him he was being recorded. He said no consent was given and hung up on me. I called back, and spoke with a woman. I told her I know they received my certified letter on XX/XX/XXXX because I have the returned receipt, and I need a breakdown of the charges, and proof the insurance company paid it out, I also included the original bill from XXXX XXXX XXXX in my first response to them. She said she would mail it out, but they haven't yet. XXXX days ago, I received a 'final notice ' from this National Services Bureau Inc. telling me to pay the amount of XXXX. Still have no evidence of a debt in that amount. Every letter they have sent me is dated XXXX and XXXX weeks prior to the date they are actually placed in the mail received to my post office box as well. Therefore, the XXXX day notice was invalid.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDNELNET, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer and Closure : The account was officially transferred and closed as of XX/XX/XXXX, and any subsequent late payments reported after that date should not have been reflected in my credit report. The delay in processing during the transfer led to an incorrect XXXX late report, which is not an accurate representation of my payment history. 
Payment History : Prior to the transfer, I consistently made all payments on time, as is evident in the payment history up until XX/XX/XXXX. Any discrepancies reported after that date were a result of administrative issues during the account transition, not a reflection of my payment habits. 
XXXX XXXX in XXXX : Although I filed a dispute regarding this issue, the account was marked as resolved, but the late payment entries remain on my credit report with TransUnion. This is a clear indication of an unresolved issue in the reporting process that needs further review. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

My nephew purchased a vehicle in Alabama on XX/XX/2023. I reached out to Credit Acceptance Corporation, the finance company on XX/XX/2023, to make a formal complaint regarding the predatory practices regarding the purchase and loan. My nephew and I received both a telephone response and a letter on XX/XX/2023, after the company 's review of the complaint. In the letter, my nephew and I were told that the review showed that by signing the contract my nephew agreed to all statements listed within the contract. The issue with the loan contract was based on fraudulent information received from the car dealership where the car was purchased. First and foremost, my nephew did not have a valid driver 's license when purchasing the car which prohibited him from being able to obtain the insurance required for the loan. Second, the insurance listed on the loan application was provided by the dealership, XXXX XXXX XXXX XXXX, and, not my nephew. The salesman at XXXX XXXX XXXX XXXX called and secured a fraudulent quote from XXXX XXXX without my nephew 's approval. This information was then provided to Credit Acceptance Corporation as proof of insurance ( and inferred proof of driver 's license ). I sent Credit Acceptance Corporation a copy of the quote sent to me by the salesman with his handwritten notes regarding the insurance information. Credit Acceptance Corporation also reviewed this information and after their review telephoned me with their response stating that there was not enough information to discredit the car dealership and that my nephew must adhere to the signed loan contract. I continue to believe that this entire process was predatory and feel that XXXX XXXX XXXX XXXX and Credit Acceptance Corporation have engaged in dishonest practices and possible coordination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX add comments to my credit profile regarding loan modification service which I participated in under the Cares Act. In addition, XXXX has consistently reported inaccurate and inconsistent payment statuses across the 3 different credit bureausXXXX XXXX  is in violation of FCRA. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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.

3. 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.

4. 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: Credit reporting, credit repair services, or other personal consumer reports

It is fraudulent items and addresses also items that are reported inaccuratly on my credit report. I have tried to rectify this with the credit bureaus to no avail. it is addresses that has not been removed and inaccurate. and accounts and they are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The transaction amount that was credited back to my America Express Card was $XXXX making the account a total amount of $XXXX.. XXXX XXXX XXXX. located at XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Ref# XXXX.  This is what's happen now 
XXXX 
To:
XXXX

XXXX XXXX XXXX XXXX XXXX

My name is XXXX XXXX.  On XXXX XXXX I authorized my card for payment to XXXX XXXX XXXX in the amount of$ XXXX on XXXX XXXX XXXX and $XXXX on XXXX XXXX XXXX.  The entire amount was credited back to the account on XXXX XXXX XXXX.  I have the conformation.  I will not wait thirty days for all my money.  I Will give your agency until tomorrow XXXX XXXX XXXX to make my money available to me.  If this has not happened I will contact the CONSUMER FINANCIAL PROTECTION BUREAU.  IF this is not resolved I will start Legal actions.  I will be asking for more than $ 360.00. Someone my call me@ XXXX XXXX XXXX.  I have spoke with three of your Employees XXXX, XXXX, XXXX all with Customers Service/Blue bird.  All has lied.    These people are holding the money that not only belongs to me but a potion that belongs to my Cousin as well.  I refuse to wait fifteen (15) or (30) days for my money.  XXXX has released the funds, so why I have to wait.  When I spoke to one on the Customer Service Person, I was told their office was located in the XXXX.  Theses funds were taken out the same day requested, the funds should be back in my account by now
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for an account with CitiBank/CBNA, XX/XX/XXXX that he never authorized. A dispute of the inquiry was sent certified mail to CitiBank/CBNA XX/XX/XXXX. CitiBank/CBNA responded to my client with a letter informing his " no account was found '' for dispute. We were not disputing an account we were disputing a fraudulent application that resulted in an inquiry.
Product: Debt collection

On XXXX the XXXX XXXX I switch services from XXXX XXXX to XXXX I called XXXX XXXX to let them know to cancel my services the lady on the phone stated that she ca n't cancel she can only suspend the account because they show that XXXX is trying to transfer my number to my XXXX phone. I told her that that should not show because I am keeping the phone number assigned from XXXX. I ask her since she could n't cancel only suspend the account will I continue to get charged. She answered no. So I said ok waiting for my final bill. Since then I receive three different bills from XXXX XXXX with different amounts. One dated XXXX XXXX XXXX for XXXX. Then I got a collection letter from convergent dated XXXX which I did n't receive until XXXX XXXX XXXX showing a balance of XXXX. Then I received another bill from XXXX claiming i now owe XXXX. My account should have been cancelled when i called and told them i switched to XXXX that was in the beginning of XXXX. So why ido i have all of these different amounts. This account is in dispute until XXXX  can explain why i was still getting charged for services that u should have canceled immediately when i called.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXX