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

I called and paid off my account with one of Upgrade 's representatives on XX/XX/2021. ( Customers are not allowed to pay off accounts using their online portal. ) I paid off exactly what the representative told me was the balance, {$1400.00} from my XXXX XXXX account. The payment cleared my bank account on XX/XX/2021. Almost immediately there was a charge on my account for {$9.00}. I called to dispute that and got put on hold XXXX, so I wrote an email. I received a response from Upgrade saying Id hear from someone within 24 hours. Its two weeks later and no one has responded to my email yet. Ive called several times and the hold time was never less than 30 minutes. I called on Sunday XX/XX/2021 and eventually got ahold of a representative who acknowledged my payment and that someone on his end had applied my payment incorrectly, resulting in the {$9.00} charge against my account. He submitted a work order to fix this and said I should see it repaired on Monday or Tuesday, XX/XX/XXXX or XXXX, 2021. It wasn't taken care of. But now I am showing a deposit of {$9.00} in my bank account. I called again yesterday, XX/XX/2021 and spoke to a less than intelligent representative who told me that I had overpaid my account and I had a credit balance. I told her credit balances do not result in a bill being issued for the same amount of money, and why would I have a credit balance when I paid off exactly what I was told to pay??? I repeated THREE times that I paid off this account and I do not owe this money, and that if I had a credit balance, it wouldn't be billed to me again! I asked what happened to the work order that was generated on Sunday?!? She went and placed me on hold ( AGAIN ) for several minutes and came back to tell me now that I had taken a charge for {$9.00} and I owed the money. NO, I didn't, I don't have a card for them and there was no transaction for {$9.00}. She just didnt understand what I was saying and asked to speak with a supervisor. She put me on hold ( AGAIN ) and after a few minutes repeated everything I typed earlier in this complaint. I said I wanted to speak with a SUPERVISOR, not her, and she put me on hold ( AGAIN! ) and left me for several minutes and came back to say her supervisor would call me back within the hour. Guess what? No one called me yesterday at all, nor today, XX/XX/2021. Im still waiting. And then to top it off, I just received an email saying Upgrade is drafting my bank account {$500.00} on XX/XX/XXXX AFTER I had paid it off. Ive had it with this incompetent company. Since no one has either called me back, written a response, or cleared my account from this {$9.00} balance, Im filing this complaint and will stop all payment draft requests from Upgrade.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME XXXX XXXX POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance - Balance updated - Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance - Monthly payment - Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account closed at consumer 's request and dispute investigation completed, consumer disagrees Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report 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 identit 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 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 consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

Class action lawsuit. No contact information for company for assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loan purchase in 2018. This loan appears on my credit report and I was made aware of this credit line from a potential lender. I contacted the creditor Veros Credit XXXX and they had no information that aligned with my identity for me to be held liable for the loan. I had no awareness of the vehicle in question.
Product: Payday loan, title loan, personal loan, or advance loan

In late XXXX, I contracted XXXX and was out of work, I had a loan with affirm and on their website it states if youre having issues with hardship such as XXXX or a natural disaster they would delay payments and not penalize you but Affirm did not do that. Not only was and still is hard to get in touch with a live person but they reported me late and have basically told the credit bureau its accurate. Ive pleaded with them while I was going through recovering from XXXX and its almost as if they do not have a XXXX or any sort of compassion for humans. I found this on their website, however, it was never offered to me, they just wanted their money. 

Coronavirus payment assistance We want to help relieve the financial difficulties you XXXX be having as a result of the coronavirus. With payment assistance, we give you more time to pay your existing loan balance. That means you won't pay more for your loan : theres 's no increase in the interest you pay, and there are no fees of any kind.
Product: Credit card or prepaid card

My name is XXXX XXXX with TD Bank account # XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. My due date for payment on my account is XX/XX/XXXX as stated in the picture XXXX above. So I did the payment on this date and is showing in the payment list on the picture XXXX above. 
However I was charged a {$27.00} late fee on the XXXX. This is a wrongful charge and it has to be voided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get Transunion to investigate several incorrect items on my credit profile. Each time I submit letters, I receive correspondence back from Transunion stating they applaud my efforts in trying to repair my credit, but they have failed to send me proper investigation results. I have several accounts reporting as open on Transunion. XXXX is reporting several collection accounts with past due balances. I have written letters to both bureaus with hopes of proper investigations being completed. Both bureaus continuously violate my consumer rights by reporting incorrect information. According to the FCRA I am entitled to a correct and accurate consumer report. XXXX reports that they have completed a proper investigation, but how is that accurate or a true if account XXXX XXXX XXXX shows a past due balance and the status date is inaccurate. These are all grounds for a removal. Account # XXXXAccount XXXX XXXX XXXX shows a past due balance as well as an inaccurate status date. Also XXXX XXXX XXXX, Account # XXXX shows an incorrect status date and also a pass due balance. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) The law clearly states the credit bureaus have 5 days to notify me of when they receive my disputes. 
They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ) If items are found inaccurate or can not be properly verified, the Consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 1 problem its dropping my credit score and should not be.

1. ) Capital One credit card All payments where made on time. I've called capital one and asked about the situation they told me my account balance was {$0.00}, because its been payed on time. but the payment before the last payment stayed on my credit this is the payment made that still remains on my credit saying its not payed XX/XX/2018 {$250.00} My most resent payment was XX/XX/2018 {$300.00} its say between XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX XXXX XXXX   credit card balance increased by {$250.00} from {$0.00} to  {$250.00} I was wondering if y'all could fix this because its hurting my credit really bad. 


please get back to me credit went from XXXX XX/XX/2018 to XXXX XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute these inquiries because at the time I was XXXX so how can I apply for anything? I want them removed thank you! 

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

The account in question is reporting different on all three credit Bureaus. The information is inaccurate and the debt has been reporting for 7+ years and causing me to not receive credit approvals. I am stuck with denial after denial.

Account ( s ) in question are : XXXX XXXX XXXX XXXX - Closed - Debt Charged of and then I paid Debt Settled to delete. Never happened. 
XXXX Acct # XXXX XXXX Acct # XXXX XXXXXXXX ( Date of First Delinquency XX/XX/2016 ) still reporting negative and preventing me from getting new credit. 

Experian # XXXX- Still reporting negative to date. 


XXXX XXXX XXXX - Closed - Debt Charged off and then I Paid to settle debt owed and was lied to by rep that it would be a pay to delete. After payment never deleted and now XXXX doesn't do paid for delete. 

This should be illegal get money or tax write off for charge off, lie about settlement pay to delete and the credit bureaus are still reporting negative information.
Product: Money transfer, virtual currency, or money service

I was scammed by an Fraudulent investing company called- XXXX XXXX  Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by so-called XXXX XXXX  ( the Company ). The total amount of XXXX USD was transferred from my wallet utilizing Cashapp 's services.

They lured me in with the story that they could help me earn money, that i wouldn't have to wokr so hard and have more time with my children.. They sold me an Idea that i unfortunately fell for.

XXXX  blame Cashapp because they knew i was sending money to a scammer and did not do ther due diligence and protect me as their client.
Product: Credit reporting, credit repair services, or other personal consumer reports

While trying to repair my credit I noticed a collection from AD Astra Recovery solutions on my credit report. I have never contracted with this company and demand that they cease and desist any further negative reporting on my consumer report. I am refusing to pay this alleged debt as I have no obligation to pay anyone that I did contract with. This company can not produce a signed contract that I have with them as I have never done business with them. I demand the deletion of this account immediately. This company is damaging my credit and attempting to extort me for payment by the negative reporting.
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 resulted 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 identity 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 168b Permissible purposes of my consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under 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.
Product: Debt collection

To whom it may concern, I am writing in regards to the collection reports that have been placed on my credit, from the original creditor ( XXXX XXXX XXXX ), the collection agency ( National Credit Systems ), credit bureau companies and whoever else that is claiming rental debt, third party debt collector, and credit bureaus ( data collection agencies ) collectively. 

I strongly believe that the companies mentioned above have also violated the Centers for Disease Control and Prevention ( CDC ) COVID-19 Moratorium and the COVID-19 Tenant Relief Act - SB91 ( Act ), federal law that the state of Michigan also supports. 

Additionally, earlier this year, I had mentioned to the entities/companies ( XXXX XXXX, National Credit Systems collection agency, and the credit bureau companies ) regarding the hardships that I have faced financially and emotionally. However, the companies have continued to bombard and harass me with notifications, payment demands, collection agency letters to my family and I, and credit reports that are still being done to this date. 

Lastly, I understand that CFPB is a regulatory federal agency who assists with fraud and identity theft prevention, as well as financial harm to consumers. I ask for CFPB to monitor and review the complaint entirely throughout the investigation process while forwarding it to the companies. Unfortunately, I strongly believe that my rights have been violated and I ask for these reports to be removed from my credit in a timely manner. Thank you.
Product: Checking or savings account

I discovered that my checking account had been changed to a Payable on Death Account with a named beneficiary whom I do not know. I changed the account back. My complaint is that Bank of America has not complied with my written request for business records as to this Change of Account under Section 609 ( e ) of the FCRA and is giving me the runaround, thereby delaying and hindering my ability to prevent reoccurances and assisting law enforcement/FTC from identifying, pursuing and prosecuting the person ( s ) responsible for stealing my identity.
Product: Credit reporting or other personal consumer reports

I sent them a validation letter back in XXXX for my proof if I owe this debt they never responded back but they will always send me bills. So one day I call to ask them can the verify if I owed the debt they couldnt tell me so I ask him can they stop reporting to the credit bureau and this guy told me no he can not so I ask him can he send that to me in writing he refused to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX US Dept of ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inac curate.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding the unauthorized release of my bankruptcy information. I recently became aware that details regarding my bankruptcy were disclosed without my consent, which has caused me significant distress and potential harm. 

I would like to request a thorough investigation into how this information was released and to whom. Additionally, I request immediate corrective action to prevent further unauthorized disclosures. If this matter was due to an error or negligence, I would appreciate a written explanation of how it occurred and what measures are being taken to ensure it does not happen again. 

Please consider this letter a formal notice of my concern, and I request a response outlining the next steps within 14 days from the date of this letter. If necessary, I am prepared to escalate this matter further to protect my privacy and legal rights.
Product: Student loan

I 've called numerous times to try to get a payment plan set up and every time they send me to someone else or tell me there is n't nothing they can do, I currently have very limited income and so does my co-signer. I understand that I took out the loans and I want to pay them back but I 'm currently having a bit of trouble. I thought I 'd be ending college with a degree and a job instead I was XXXX on my campus and my grades suffered afterwards I went from deans list to academic suspension, I tried to get my grades up but without funding I was unable to rejoin school, now I 'm struggling to get back on my feet and Sallie Mae as made it impossible to work with them to figure out a plan until I can get a better job to pay more.
Product: Mortgage

I applied for a loan with HSBC Bank. The bank began processing the loan on XXXX XXXX, XXXX. In XXXX, an appraisal was conducted and because I was requesting a coop refinance, the coop questionnaire was completed by the coop in XXXX which delineates all the circumstances of the coop. XXXX XXXX I was issued a commitment. However, XXXX XXXX, XXXX HSBC rescinded the commitment stating the loan was declined because of the coop flip taxes. My complaint with the bank is the length of time it took the mortgage to process, almost 5 ( five ) months. But more importantly, the bank had the information in XXXX XXXX regarding the coop flip taxes as well as other essential information regarding the coop. If HSBC felt the coop did not qualify for the loan. I SHOULD HAVE BEEN DECLIENED IN XXXX OF XXXX not 3 months after the COMMITMENT was issued!!!! In that time the interest rates have increased as well as I could have went to another bank that would have accepted my coop flip taxes. I feel HSBC was egregious and grossly negligent in the time it took to process the mortgage, and I am angry that a commitment was issued and HSBC will not honor it!!! HSBC did not handle my loan professionally and I feel HSBC is a large bank and they do not care about the average consumer. I hope there is some recourse federally. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX I did not authorize this company to run my credit, This inquiry is unrecognizable and unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX complaint XXXX was submitted through CFPB for 3 inquiries from Capital One from dates : XX/XX/XXXX, XX/XX/XXXX with Transunion and Equifax, and XX/XX/XXXX with XXXX, XXXX  and XXXX. Capital One kindly answered that was going to take them off, on the answer to CFPB. 

The Credit Agencies neglect to take the inquiries off, even showing the answer from the Bank, and answer me that the Bank needs to take them off. 

Please act according to the answer submited to CFPB, on your previous answer.
Product: Credit card or prepaid card

On XX/XX/2021, I've realized some unusual activities on my business account. Someone who named XXXX XXXX XXXX has been included to my account and started to use the account actively. I also realized 2 credit card accounts has been linked to to my business account. I immediately took action by calling the fraud department and visiting BOA financal center at XXXX XXXX, XXXX XXXX. 

Bank of America accepted all fraud reports but the following saying " I've benefited from that account ' which is not true. 

- Account number : XXXX XXXX XXXX XXXX - Case number : XXXX BOA claims there is a withdraw of {$1.00} but I've never opened that account or benefited from it. The name of this account was XXXX XXXX. I never had any relation with XXXX XXXX. 

There is a police report supporting that that I'm a victim of an identity theft and they're following a man who might be suspect living at XXXX XXXX XXXXXXXX XXXX XXXX, FL. 

- XXXX Police Department Case # XXXX ( Police Officer : XXXX XXXX XXXX
Product: Debt collection

I received mail from this so called place named Credit managements L.P. They stated that they are debt collectors and that I owe money to another company. I know in fact that I dont because Ive never had anything to do with this company they are stating that I owe money to. Ive read countless amounts of reviews on XXXX stating these people either scammed them out of their money or tried to by saying they owed money when they really didnt. Ive called but they constantly hang up. Im not even sure how this mail got to me because they spelled my entire name wrong. Either way this place is a scam and I do not owe anything.