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

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/23 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within XXXX business days. Thank you so much for your time.Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
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 Fail to take timely and effective measures To prevent an 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.
Product: Vehicle loan or lease

Yes. My complaint is with Santander Consumer usa. Its an auto loan account that originated at {$18000.00}. The term of the loan was 72 months @ $ XXXX@ 23.16 %. The loan begin in XX/XX/XXXX. We are in now in XXXX. i have been paying on this loan for over 75 months and i still owe over {$8000.00}. I wanted to talk with someone in a higher department but i cant reach them. The staff seems like they dont care about their customers. Its seems to me all they care is about there money. I have notice this company have been sued numerous amount of times in different states ( XXXX XXXX   Santander vs Massachusetts ) including a major recent suite for over {>= $1,000,000}. Now i'm writing this because the issues that i here in these cases are the same issues i'm facing with them too. Example are You still owe them outstanding balances after you paid off the term of the loan, There's no one that can honestly give you correct information, Its seem to me you cant reach no one higher in rank to discuss you situation because of corruptness of the company. They seem to put there workers on the frontline to do their dirty work. The way things are going i will be paying right at {$50000.00} dollars for a {$18000.00} loan. This company is greedy, not caring and dishonest to their customers.
Product: Debt collection

I paid by a western union money order to pay my XXXX XXXX bill. Some how XXXX XXXX cashed it. Western Union has received endless paper work since XXXX from me and XXXX XXXX and wont reinburse me. This has been going since XXXX. Please help me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have tried many different ways to get these items removed. I am now pending litigation on Transunion. This is my last effort in contacting them before filing with the courts. I am insisting on a credit block being issued immediately pursuant to 15 usc 1681 605 B ( A ). I have attached all documents needed according to the law listed as well as several others listed in my letter attached that i've not only sent but also done CFPB complaints to no avail. There is clearly no investigation being done at all, no communication back to my requests within the letter, and no proof of the items I've asked for either. Please ensure all items listed in this report are taken care of. If you are having issues removing the late payments, remove the accounts altogether such as XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX 

The self account reporting is also not only not my account but is incorrectly reporting transaction history. You cant be XXXX days late, XXXX  days late, CO, XXXX blank months, and then back to XXXX days late.
Product: Credit reporting or other personal consumer reports

First Progress Card is reporting inaccurate information to the consumer reporting agencies. After disputing the account multiple times they stated the information was accurate. They failed to reinvestigate the information and they are stating that the account meets the FCRA guidelines it does not it is not accurate information. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the date opened, last payment date, payment history, balance history, and payment history guide. This information is causing me financial loss, credit score damage, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX for almost 10 years. I was released from XXXX on XXXX. Almost everything on my credit reports and XXXX and XXXX XXXX reports are fraud! I could not possibly have taken out and credit or opened bank accounts during XXXX. Also fraudulent tax returns were filed in my name. Ill list credit report fraudulent accounts, inquiries, public records first. Also there are addresses and employers listed that are apart of the fraud. Ill then list bank accounts reported by XXXX  and XXXX XXXX. Then Ill list the years of fraudulent tax returns. 

Accounts : XXXX XXXX XXXX {$67000.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX/XXXX XXXX {$800.00} XXXX/XXXX XXXX {$620.00} XXXX XXXX XXXX/XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$0.00} Us department of education XXXX {$1200.00} Inquiries : XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( yes2times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX {$450.00} Public record : Bankruptcy XXXX Bankruptcy XXXX XXXX and XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXX XXXX bad check Ive also found out that fraudulent transactions have been done with the following companies : XXXX XXXX XXXX My family is teaching me about technology and we were trying to setup XXXX and they said my account is frozen. XXXX also wouldnt let me create an account and XXXX had all kinds of security issues. 

I have been contacted by more companies stating I have outstanding debts. 

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

Transunion is incorrectly reporting me as an Authorized User on the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX  however, Transunion has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Equifax, I have tried mailing in my dispute for this XXXX XXXX XXXX account however I sent this in Early XXXX and have not received a response. So I'm now writing this complaint to get this account removed. I have attached all the Documents for this to be suppressed.
Product: Vehicle loan or lease

the company applies my late payment to my principal balance so I am never able to get current
Product: Debt collection

Portfolio Recovery placed an inaccurate and unverifiable collection on my 3B credit report.

Moreover, the original lender, agency name, status and comment section is inaccurate and inconsistent between XXXX, XXXX and XXXX. 

Lastly, Portfolio Recovery Associates indicated to XXXX that they were the original lender. I have never borrowed or done any business with this company before.

This insertion does not follow XXXX compliance.
Product: Mortgage

This is regarding several issues with the mortgage account with Wells Fargo, whom I have had the worst experience of dealing with for any type of resolution. There are many areas, but the most egregious action that Wells Fargo has been co-mingling funds from my mortgage account to pay the balance for an escrow amount ( My mortgage account is escrow impounded ) and reporting that I 'm underpaying my mortgage payment amount, and reporting to credit bureaus that I 'm late on my payments. This has ruined my credit report with negative items of late payment when the payments from my checking account cleared well ahead of delinquent date. This would have to considered a financial fraud to co-mingle funds when my payment is strictly principal & interest. This bank has been playing " Judge & Jury '' in regards to this escrow amount when they decided that there was a lapse in coverage and no 3rd party independent of both sides could say, " Yes, the lapse in coverage is legitimate. '' Regardless, of whether it is legitimate, the co-mingling of funds, reporting late to bureaus, tacking on late fees, and manipulation of payments showing inaccurate principal balance is beyond one 's imagination..
Product: Credit card

I began the day inquiring about the interest rate on my Citibank account that I have had since XX/XX/XXXX. I asked if the representative if I would be able to qualify for a lower interest rate. I also said that I had been a customer for some time and that I would prefer to remain with Citibank. I was told I could lower the rate by 3 %. I stated that another bank had just sent me an offer for for a XXXX percent interest introductory rate and a lower over-all APR, so I asked if they could lower by more than 3 %. The representative replied that that was the best that Citibank could do and I responded that I would make a decision and contact them at a later time. 

About XXXX hours later I contacted Citibank to get my exact balance so I could transfer my debt with them to my new account, which I had opened in the meantime, and was surprised to find that my Citibank account had been closed without a request from me to do so. I called Citibank 's XXXX Office to ask why my account had been closed and was told that I had made the request sometime before today 's inquiry to lower my interest rate. I stated that I had never requested to have my account closed. The manager insisted that I had made the request and that I had been recorded doing so. I challenged her to produce said recording knowing that no such request had been made by me. I also noted that my last statement ( XX/XX/XXXX ) reflected a credit limit which would indicate an open account. XXXX declined to produce the recording and added that she would file an investigation and I would receive something in the mail in XXXX to XXXX business days. Their action on this account today, will result in a loss of available credit, lengthy credit history, and a negative impact on my credit score.
Product: Bank account or service

I had several fraudulent transactions on my bank account the bank ( chase ) approved the claim in the beginning and stated they sent a check out because they closed my account for no reason I 've had this account for years well I never received my check then I call back and they state they changed there mind and denied the claim but wo n't let me fax over any proof that this was fraudulent activity and was not done by me and they will not further assist on me getting my money back which I 'm covered by the FDIC as they stated so they are not following proper procedures to determine this was fraud and return me my money that was stolen and I have all the proof it was fraudulent but they wo n't accept it so I need help getting my money back that was stolen from me. They keep giving me different stories they approved the claim in the beginning stated they sent a check that was never received then said they got the check back and canceled it and was gon na send out another one but did n't instead they said we 're gon na reverse it and Deney it but wo n't give me no explanation or wo n't let me send it proof it was fraud.
Product: Debt collection

I used this physical therapy in XXXX my insurance paid partial I paid the rest. On XX/XX/XXXX I received a negative report on credit report I called the agent she told me it for physical therapy. That I paid of three years ago. It affected my credit by XXXX points. I physical therapy they said the amount owed was XXXX and the collector told me the amount was XXXX because I had a collection fee. I feel this incorrect. They had all the wrong information. Never received emails phone calls or mail from either party. The rep from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, ct XXXX phone numbe ( XXXX XXXX XXXX told me I couldnt pay with card I had to give her a check over the phone to have it removed from my credit report. Then she changed and said it would be paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company that is reporting that I have not done business with is reporting on my credit file. I have never even heard of this company nor informed until I seen it on my credit. This company is reporting several different accounts XXXX total accounts. This is crazy, I have disputed with nothing being received.
Product: Student loan

I previously filed a complaint against MyGreatLakes.org, the company that the Federal Dept. of Education assigned to manage my loan.

There is nothing in it for these private companies to assist borrowers with loan forgiveness as they make Monty from the interest collected. The loans are not like any other fair practice loan program terms that a sane, educated consumer would agree. 
My repayment plan amount was to have increased to {$280.00} in XXXX, XXXX. However, XXXX increased my payment to {$300.00}, in XXXX, without consulting me. When I contacted them, I was informed they needed to do that so the loan would be paid off on time. In addition, my payment due date keeps changing without notice, it was and has been the XXXX of the month. 
I also question their algorithm for payment application bc they applied all payments I made between XXXX and XXXX to interest. It isnt the first time. I think there should be an audit of these loan administrators because they are likely the same kind of lenders that are considered predatory for students applying for student loans. 
Each time they arbitrarily change the payment, the due date changes as well. 
It is bad enough that my original loans in the amount of $ XXXX ballooned up to $ 54K in 7 years when I consolidated and then again almost doubled after consolidation despite making payments. My Pell Grants, Perkins And Stafford Loans combined to this total amount of over $ 90K, and MGL considers all of the amount principal. Ridiculous! 
I worked in the XXXX sector for over 6 years and qualify for the Public Service loan forgiveness except the XXXX time had to occur after XXXX. As a single mother I couldnt afford to work in the XXXX  sector after XXXX. 
This company isnt transparent, there is never any end to their shady payment application and total lack of respect for the customer. The government has given them carte blanche to make as much money as they want to collect on student loans. The loan shark program that is the student loan program has a middle man to collect and in my case, its XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX
Product: Debt collection

In XX/XX/2019, my identity was swollen, and many of my accounts were hacked and charged to XXXX. One of these Account in particular is the Apple card. As soon as I realize what was going on with my account, and I no longer had access to it, I filled out an online complaint form with identity theft, and I talked to Apple and told him that it was fraud, and then I was gon na pay it. I didnt amount to my card after it was taken over. and informed any theft.gov, see three, FTC, SSA, And all through credit bureau agencies. on the phone with Comenity bank, they said that i did not provide a police report of the fraudulent charges which she absolutely did, and they gave us the Apple ID which was affiliated with. That ID is no longer excess. The charges need to be taken off credit report because they were not made by her and while trying to get this done, the phone calls kept disconnecting, and I had to call Back explain everything all over again just get disconnected again. The account is an Apple Card. And I am unsure of the amount of charges, but I was told there's 15 pages worth.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account- i have never done business with them and credit bureau has failed to provide any documentation with my signature after being requested, item was removed and then reinserted 2days later, it is also being reported as a closed account now, at first it was reported as a collection but they keep changing its status .. i have never opened an account with them, therefore i can not have a closed account this account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX BANK Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$920.00} Fraudulent Account : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$16000.00} Fraudulent Inquiries XXXX XXXX CRED Date of inquiry XXXX XX/XX/XXXX XXXX Date ofinquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX FCU Date of XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

11 XXXX XXXX XXXX XXXX has been sending me collection notices in the mail about of {$670.00} the collection has been reported as past due. 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: Debt collection

To whom it may concern, I am writing because I have been getting contacted from a debt collection agency called universal collections out of XXXX.It has been brought to my attention that said company is not licensed to collect debt in the state of Louisiana. Ive been threatened to get sued and taking to court and have to pay legal fees when I tell them the amount Im able to pay at the moment the tell me that I am not paying back enough so thats not an option. They also go on to repeatedly yell over the phone and tell me I shouldnt have took on the debt if I cant pay it back even though Im dealing with death in my family and are in between jobs
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXXXXXX XXXX # XXXX Amount : XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX for reporting an unverified collection account on my credit report. I was never notified of this alleged debt, and I do not believe it is accurate. The original creditor listed could not verify this balance or any other of the account information listed on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of this debt, but XXXX XXXX XXXX has failed to provide : An explanation of the alleged account balance. A complete payment history and audit trail proving the amount is accurate. Documentation showing I agreed to this debt and authorized its reporting. Proof of legal authority to collect in my state, including their state license. A master bill of sale, purchase agreement, and chain of custody for the debt. Additionally, XXXX XXXX XXXX has violated the FDCPA and the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information, failing to validate the debt, and engaging in deceptive practices that harm my reputation. I demand immediate removal of this account from my credit report. If the account is not removed or properly validated within XXXX days, I will pursue litigation for damages of {$1000.00} per violation, as allowed under 15 U.S. Code 1692k. I have also submitted this complaint to my State Attorney General 's Office and the Better Business Bureau for further action. This account is also reporting misleading information such as inconsistent open dates and the date last active.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a secured credit card with Capital One US. The account closed on XX/XX/XXXX. I did everything in my power to pay down the balance, which was extremely difficult for me because of the leave I had to take from work because of my health. Now that I have a XXXX balance with the creditor, they have refused to removed my account, despite numerous letter from 3 different credit consolidation companies. Please help! I have done everything they have asked.
Product: Money transfer, virtual currency, or money service

I am writing to address a problem with unauthorized charges on my credit card. Between XX/XX/2024, and XX/XX/2024, my credit card was billed {$16.00} on multiple occasions by an app. Despite reaching out to XXXX for assistance, they have declined to issue a refund or resolve the issue. I did not approve these charges and I am seeking a prompt resolution to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account number XXXX XXXXXXXX has violated my right per fcra please delete I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists Account address is not associated with me I have no knowledge of account.