23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX was financed by Peoples credit Inc. of XXXX, IL. I lost my job in XXXX of XXXX ( XXXX XXXX ) and fell behind on my payments. 
On XX/XX/XXXX. XXXX the vehicle was repossessed by Peoples credit IncXXXX My balance with People 's credit at the time of repossession was {$9100.00}. + Repo Fees. which were in the excessive amount of {$4200.00} bringing the total amount to {$13000.00}. This is the amount that shows up on my credit report with XXXX and XXXX XXXX credit Bureau 's. The amount of {$13000.00} is incorrect and should be less after the vehicle was sold privately or at auction. 
By the laws of the state of Illinois I'm only responsible for the Deficiency balance. I've spoken to XXXX XXXX at Peoples credit on this matter several times and asked him why he never provided me with a Deficiency notice for which he's bound by law to do according to the laws of the state of Illinois. 
I'm asking for this agencies help in getting the Deficiency balance from peoples credit Inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX Thank You XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

I received a debit card in the mail for a Discover card, based on a newly opened account. I didn't open the account and knew instantly it was fraud. This has happened to me before with other banks. I called their contact number from the website. I spoke to two different people, a credit person and a debit person. I finally managed to get some details. It was opened on XX/XX/22 ( roughly a week ago ). It has no balance and does not appear to have any transaction history. They told me to call their fraud line to close the account and report it as fraudulent. I called their fraud line many times. Their fraud line hung up on me twice. The first time they hung up on me, I waited for 40 minutes. The second time they hung up on me was after 3 hours and 2 minutes! The bank is as bad as the fraudsters. They have made it easier for criminals to rip people off people like me and repeatedly hang up on victims. I had the phone on speaker and the entire family heard them hang up. We were all equally upset, since it was on the entire afternoon. I rearranged my entire schedule just to report the fraud. The account is still opened. The criminal fraud is ongoing. The bank doesn't seem to care and I can't stop it. Discover sucks. They have one of the worst fraud departments in the industry.
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX XXXX at around XXXX i noticed that i misplaced my wallet along side with my XXXX XXXX XXXX, so, i called my number but the person who took it refused to pick up, so i sent a text which i knew pretty much that he can only be read but he cant reply because of the security code on it, but surprisingly he responded, so i pleaded with whom ever is involved to returned my stuffs back with the promise of paying him or her any ammount he/she needs, he greed to take {$300.00}, but i pleaded to the extent of {$50.00}, which he agreed, so he concluded to meet me up at XXXX XXXX on XXXX XXXX, when i drove down there, i couldnt find no one, and i cant call because i was using a XXXX account which uses wifi, so after waiting for some time, i decided to go home back, on my getting home to get an internet coverage, i received his message saying i should get my wallet and phone at a clothing and shoe donation can at XXXX XXXX by XXXX XXXX XXXX, which is 2minutes away from me, on my getting there, i found it, i saw an alert on my phon of {$260.00} which as been deducted from my account with my debit card with XXXX which i do use to send money to XXXX , i called my bank immediatelyto file a claim, and i was been credited, on the same spot i called on the police to file a claim as well, which my claim number is XXXX XXXX XXXX XXXX XXXX. 

my name is XXXX XXXX XXXX.
Product: Checking or savings account

I attempted to withdraw {$50.00} from XXXX XXXX XXXX ATM at XXXX XXXX XXXX XXXX XXXX MA on XX/XX/2023. The machine gave an error message and did not issue any funds. I was still charged the {$50.00} plus the {$2.00} ATM fee. After notifying Bank of America, they issued me a temporary credit while they conduct their own investigation. After which they concluded they found no wrongdoing. I filed a complaint with the Dept of Banks which referred me to this site to try to resolve this issue.
Product: Credit card or prepaid card

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX is reporting inaccurate information on DISCOVER FINANCIAL SERVI. Per FCRA, reporting must be 100 % accurate or the information must be deleted. ( DISCOVER FINANCIAL SERVI XXXX )
Product: Credit card or prepaid card

Citi Card received a payment of XXXX on XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I received numerous robo-calls about my payment- they did n't know how to process it. 
On XX/XX/XXXX I received an email with basically the same statement - they did n't know how to process the XXXX. 
On the dates of XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX, XXXX and XXXX explaining the above. They gave me an address to mail the supporting documentation ( bank statement, and email stated above ) I mailed it on XX/XX/XXXX AND on XX/XX/XXXX - per XXXX I sent another payment of XXXX. 
On XX/XX/XXXX called again and spoke with 'XXXX ' (? ) and 'XXXX ' - basically they knew nothing and said I had to sent another cc of the bank statement, which I will do - but YOU need to know this smells deceitful to me. 
TWO payments and they have NO record? They do n't advise me about their investigation - I have to call them?! 
BTW, the number I 've called to reach the above people is : XXXX - they have not provided any answers, any help, they do n't know the CFPB ; they ca n't make any assurances about reporting THEIR mistakes on my credit reports and quite honestly this is MOST disturbing and frightening. 
PLEASE help me!
Product: Credit card or prepaid card

I reached out to AMEX this week to discuss my sign on bonus. The agent told me I had ~ {$900.00} left to spend to achieve the bonus. I then asked when do I need to do this by. It took the agent several minutes to get back to me and told me the time had expired. I told the agent I wanted the timeline increased to achieve this as it was deceptive that it was never included in any of my statements since getting the card. The agent stated they couldn't do that. I then asked for no annual fee for two years to cover the costs of the card. They couldn't do that either. I went the same round with the agents supervisor. 
I feel that AMEX is not acting in a forthcoming way and they are being deceitful with their practices of not disclosing a timeline on statements when a consumer must spend a certain amount of $ to achieve a sign on bonus. I have spend another {$15000.00} on that card since the date that the agent took a while to find. I have been a good customer for many years and then they choose not to give me the bonus or help with the annual fee.
Product: Credit card

Macy 's has reported multiple late payment remarks to the credit bureaus for {$2.00} that was past due because of a fee that Macy 's charged then charged a late fee interest on top of the 1st fee assessed. I called Macy 's on XXXX and they have stated the problem has been fixed and that there was n't any late payment even though my credit report shows it. I 've attached all of my documents. The credit bureaus have still done nothing to help as well and I 've already submitted requests to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 deragatories charged off accounts reporting on my most recent credit report which is 1. The XXXX 2. XXXX and 3. XXXX XXXX  XXXX. Upon challenging the validity of these accounts, XXXX credit bureau has deleted all 3 of these derogatory Items based on the lack of ability to verify all reported information as being accurate. I noticed that as a result of challenging these accounts with your company you have verified these same accounts. It is my understanding that the creditors reports the same information to all credit bureaus as expected under FCRA. If this is true, I am hereby requesting the information you used to verify these accounts in writing. If such documents can not be produced, please DELETE these accounts from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

The Accounts are in the attached documents
Product: Bank account or service

I made transaction on my Rushcard that resulted in lost funds and interactions with very rude customer service agents and a rude dispute department. I made several transactions that are not showing up in my account. They are telling me that these transactions were never made against my account - Pending XXXX XXXX XXXX - {$67.00} Transaction ID : XXXX Pending XXXX XXXX XXXX - {$67.00} Transaction ID : XXXX My bank statement does not show these transactions but they were made to the company identified in the information about the transactions. 
I want to have a repair of my bank statement done and find out why my debit card was altered to no show these transaction and why my account is in the negative. 
I was allowed to make transactions on my account when it clearly showed that the account was in good standings. However, later changes where made that made the account go in negative standings. I also had problems with my transaction with XXXX on XXXX XXXX, 2015.
Product: Debt collection

They claim I owe them for a progressive one policy, yet I still have progressive as an ins company. This is a false claim!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card account information was posted without my authorization, not to mention three of them were paid in full, as a result of the informaton being on my credit report it has impacted my ability to find a place to live, all three credit bureau 's have violated my rights, and this is grounds for removal according to 15 USC 1681, section 602 A, which states, I have the right to privacy, and 15 USC 1681 - 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions so therefore they used my information imporperly.
Product: Debt collection

I sent a request for Opploans/XXXX  to validate this debt. Opploans/XXXX  has not validated the debt.Opploans/XXXX  has failed to validate this debt in accordance to the Fair Credit Reporting Act. I sent another request for validation of the debt to Opploans/XXXX, requesting Name and address of original creditor, original date of alleged debt, a detailed account history, and most important proof that they have the legal right to collect said debt, including the purchase agreement between Opploans/XXXX  and the alleged original creditor.
Product: Debt collection

Portfolio Recovery Services is the worst debt collection company in America. They use spoofed phone numbers and call at all times of day. They call my employer, distant family members, and even somehow got the number for my XXXX XXXX XXXX daughter 's cell phone and called that number. The lie and say they have legal documents, because I do not have any collectible debt that I owe them. They are trying to intimidate me into paying them by smearing my name with my family and employer. I owe them nothing. I have repeatedly asked them to stop calling and sent a letter demanding that they cease calling, but it doesn't end.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX is using a misleading adverting on XXXX showing XXXX XXXX  males showing off free cash. In reality the adverting link is forward to a high interest rate. XXXX XXXX XXXX XXXX XXXX address is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX with a phone number if XXXX. 

Please look into the misleading advertising that XXXX XXXX XXXX XXXX XXXX is using on XXXX ( XXXX XXXX XXXX ) Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This letter is a formal statement notifying the above parties that the accounts under VIN # XXXX are disputed. The vehicle in question was purchased on or about XX/XX/year> by XXXX XXXX XXXX XXXX XXXX XXXX address XXXXXXXX XXXX XXXX XXXX XXXX XXXX, financed by Santander, repossessed in the state of North Carolina, and sold by an unknown company or creditor that I was unaware of and did not receive documentation. Under the laws of North Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC $ 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.
Product: Credit reporting or other personal consumer reports

I would like to follow up with the ongoing issues related to my credit report, specifically the late open account and the late closed account. Despite my numerous attempts to address these inaccuracies, this letter marks my many effort to resolve the matter. have submitted XXXX prior requests to correct these errors. Each time, I provided detailed information, including supporting documentation to substantiate my claims. Despite these efforts, the inaccuracies remain unresolved, which continues to negatively impact my credit score and financial standing. Please help me correct the status of the late open account to reflect timely payments and remove the late payment record from the closed accounts. Please note that under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. The continuous failure to correct these errors is a violation of my rights under the FCRA. Kindly help me correct or remove these accounts i, mmediately : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - XXXX see things XXXX be inaccurate. XXXX looking at the account name, opening date, and account status. I believe this information XXXX be inaccurate. I need this deleted now. 
XXXX. XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now.
Product: Debt collection

XXXX XXXX XXXX SENT TWO BILLS TO A COLLECTION AGENCY THAT I RIGHTEOUSLY DO NOT OWE. THE DATE OF SERVICES ARE XX/XX/XXXX IN THE AMOUNT OF XXXX AND THE OTHER DATE OF SERVICE IS XX/XX/XXXX IN THE AMOUNT OF XXXX. 
DURING THAT TIME, I HAD TWO INSURANCES THAT SHOULD HAVE BEEN BILLED. I HAD FRONT PATH AS MY PRIMARY AND PARAMOUNT ADVANTAGE THROUGH MEDICAID AS MY SECONDARY. XXXX RADIOLOGICAL ONLY BILLED ONE INSURANCE AT THE TIME AND FAILED TO BILL THE SECONDARY INSURANCE THROUGH MEDICAID. 
NOW THEY HAVE SENT THESE OLD BILLS TO A COLLECTION AGENCY WHICH I SHOULD NOT HAVE TO PAY BECAUSE THEY FAILED TO BILL THE INSURANCE PROPERLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX is reporting me being late 30-60 days late in XXXX and XXXX of XXXX. 
I was in Forbearance from XXXX XXXX XXXX 
My last payment to XXXX which was the previous company now Bankrupt was XX/XX/XXXX. 
In XX/XX/XXXX I made a payment to XXXX XXXX XXXX 
My forbearance with XXXX XXXX started in XX/XX/XXXX. 
I was never late on my mortgage. 
In XX/XX/XXXX I contacted XXXX XXXX and notified them business was picking up and I wanted to come off of forbearance. 
I made my 3 trial payments on time in XXXX, XXXX and XX/XX/XXXX. 
In XXXX I signed the loan modification agreement. 
XXXXXXXX XXXX took my XX/XX/XXXX payment and XX/XX/XXXX and applied them to XX/XX/XXXX which I already paid to XXXX in XX/XX/XXXX as the bank statements show. 
Cares Act states consumers can not be reported as late up to XX/XX/XXXX. I made my payment in XXXX as agreed. 
At this point I do not understand what payment was late? 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting

On XX/XX/2016, I disputed the account XXXX account, account number XXXX .... on my Experian credit report. I was but am no longer an authorized user on this account. I asked them to delete this account from my report. My Experian report does not show this dispute in the comments section, which is required, and there is no evidence that they are working to delete this account. The desired outcome is for this account to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Sectuon 2 States a consumer reporting agency can furnish a account without my written instruction.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.
Product: Debt collection

I am a victim of identity theft. I tried to solve this issue with the company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail with FTC complaint attached. As of today they have failed to provide me with the proof I have lawfully requested.

This fraudulent account being reported to the credit bureaus is a violation under the FCRA.

Account is the following : CAPITAL ONE, Opened Date XX/XX/XXXX, Highest Balance {$600.00}, Limit {$500.00}. Date Opened XX/XX/XXXX.

Please help me to solve this issue. They are committing Defamation of character and a violation of the Fair Debt Collection Practices Act.
Product: Vehicle loan or lease

The loan payment is due every other Friday. We make the payment at the time we're supposed to. The man on the loan is a truck driver so most of time he's out on the road. I accept responsibility for making on time payments. I also work and most of the time I take care of the payment in the afternoon on my lunch. Every single time on the day the payment is due we get phone calls and texts from the same bill collector regarding the payment due. I confronted him and asked why he does this when the payment is nit late. He responded with " because it's what I'm paid to do ''. I told him not to call me when the payment is not late. He responded with, " you don't pay me so I don't listen and do what you want me to do. '' I asked to speak with his boss and he said his boss wasn't there. I want something done as far as I believe this is harassment and bullying for a payment that isn't even late. When we would have been a day late at one point, he threatened us that before we got to the bank to send payment we wouldn't have a truck to pay on any longer. This needs to stop or we'll deal with this company a different way. Their practices are too overreaching, unfair, rude, non professional and nasty. They don't treat you as a human being. Then, you can't make your payment at the car lot even though they're all the same company either. You have to make it online and they charge another {$4.00} for the fee on top of your payment. It's not good business in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was paid off by the unemployment Insurance that the loan carried and it does currently show as paid 100 % the the account went into my default on XXXX then the company re reported on XX/XX/XXXX witch is not the correct information and should be removed by the FCRA this information needs to be removed. In XXXX the last payment was recorded as XX/XX/XXXX and in Transunion last payment was recorded on XX/XX/XXXX this show that the XXXX XXXX it's failing to report accurate information to my credit files this is a violation of the FCRA and this item must be permanently removed from my files by law or otherwise will suit the company for reporting inaccurate information on my credit files.
Product: Checking or savings account

When transferring money to someone they claimed they never received the funds. After paying several times I didnt receive services but my funds were taken XXXX.