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

I am formally requesting in this complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : Experian : XXXX XXXX Bank Open Date : XX/XX/XXXX XXXXX Balance : {$350.00} XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXX Balance : {$210000.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : - XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : - =======XXXX : XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXXX Balance : {$350.00} XXXXXXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXXXXXXXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXX Balance : {$210000.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX : XXXX Open Date : XX/XX/XXXX XXXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$210000.00} XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00}. In addition please provide evidence that the following accounts belong on my report and that my rights have not been abrogated. In the event that no record exists, please update the inaccurate accounts information as quickly as possible.
Product: Debt collection

On XX/XX/2018 at approximately XXXX XXXX I was contacted by a representative at the number XXXX. I was never told the name of the company but was promptly informed that I owed a debt for a pay day loan. I was told 'the comapny Ace Cash was looking to pursue 2 separate charges. One for fraud and one for checks fraud '. I was skeptical because of the many phone scams that are currently going around and I had not yet been given the name of the company that was actually calling to collect said debt ( {$470.00} ). I eventually talked with a woman who claimed she was XXXX XXXX. I explained that I in no way tried to defraud anything at the time of the payday loan ( 1.5 years ago ) but that I currently could not make a payment within the 20 minute time frame she was giving me before I would be 'served by a process server '. I would need some time as currently all my money pays for my living expenses and child care. And that if my only option was to pay in 20 minutes or be served then I guess I would tell the same thing to the judge. XXXX XXXX then thought it was appropriate to tell me that, and I quote : 'Better have a really good car because I'll never be able to get a loan again ' as well as insinuate that I am an irresponsible XXXX year old ( like I don't know I have made mistakes ). She was incredibly unprofessional. I was absolutely shocked that this woman would be allowed to berate and harass customers on a daily bases. XXXX XXXX then hung up on me after I asked for her name and then supervisor. I promptly called back and made a complaint with this company. I will admit I talked with 3 other people at the company that were much nicer and were able to act in a professional manner. I also paid my account in full less than 1 week later and only then was I finally informed that the company is XXXX XXXX. I am still not 100 % convinced it isnt a scam as the XXXX-number I  was given does not pull up any XXXX XXXX company when ran. 
My complaints are with the company not clearly identifying themselves with an actual company name and with their unprofessional and rude employee XXXX XXXX who insulted and berated me over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7500.00} Status Account charged off. {$13000.00} written off. {$7500.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Credit reporting

As of Tuesday, XXXX XXXX, 2017, TransUnion is still knowingly and illegally reporting a debt of {$890.00} to XXXX for XXXX.
Product: Debt collection

They have 2 entries on my Credit report for same debt, one from Rise, and the other the collections agency XXXX XXXX they sold too, I disputed but somehow they are saying its accurate its not only 1 entry should say I owe the money either Rise, or XXXX not both. 

Thanks
Product: Mortgage

My wife and I were in the process of purchasing a home. Due to construction issues the seller ( builder ) was willing to remove {$2000.00} from the price of the home. When we contacted the bank we were led to believe that it was not possible to reduce the selling price even though buyers and sellers agreed. Wells Fargo claimed that there was not enough time to perform an inspection and still close on the house in the vicinity of the original closing date. After agreeing to settle the matter in a different way, without reducing the sell price, or involving the bank, a final inspection of the home was completed at the request of the bank for another reason between the time we spoke to the bank about adjusting the sell price and the closing date. This proved to us an inspection could be done in the original time we requested. We were forced to accept a less advantageous arrangement to exchange the {$2000.00} with the seller. 
Also, throughout the process, Wells Fargo produced multiple closing disclosure forms and were sending revisions multiple times a day, all with different amounts. When my wife and I showed up to the closing we were informed, with half an hour prior to our banks closing time, that we owed an additional {$2000.00}. Neither the Wells Fargo nor the attorney took the time to assure that we, the customers, were aware of yet another revision to the closing disclosure and that the amount required for us to complete the transaction was correct. 
Overall Wells Fargo did not appear knowledgeable of the process, made too many revisions and mistakes to the closing disclosure document, under-communicated changes when they were made, and took on an air of superiority instead of service to us, the purchasers of the loan, who are supposedly the customer in the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Date open XX/XX/XXXX to date of last payment XX/XX/XXXX they are not reporting any of my on time payments for this period. In fact the only thing being reported in the five year period is 30 days late which is incorrect and unverified.

I have asked the creditor to provide physical proof and verification of the payment history on numerous occasions and they have failed to verify this information but continue to report it inconstantly to the credit bureaus. It obliviously cant be correct and verified when it is not being reported the same.

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. 

XXXX XXXX has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages.
Product: Checking or savings account

I was charged a monthly fee on an account that opened XXXX plus years ago. The requirements changed and I wasn't notified and was charged {$8.00} a month of years.
Product: Vehicle loan or lease

They hung up in my face and I called back and they told me to call the next day. They took no actions. They said I didnt have an account with the account number I gave them. My last call was XX/XX/XXXX. They came got my car in XXXX of XXXX and took over XXXX from me in XXXX of XXXX and XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that this was being reported as a charge-off/foreclosure. This is wholly inaccurate reporting. I became XXXX XXXX and was XXXX  and while I was fighting for my life, I had to fight to try to keep my home. Instead of letting my home go into foreclosure, I continued to push for a short sale and that finally closed in XX/XX/2021. The status is wrong. 

This has been hurting me significantly as I am in the process of buying a home for my family. Please remove this account due to it being inaccurate from my credit report as soon as possible.
Product: Payday loan, title loan, or personal loan

I paid off my Oportun XXXX XX/XX/2021. I called Oportun ( which is a pain because they are pretty much in another country ), and I had been doubling up on my payments, and they never sent me any paid off statements - they never sent me another statement since I filed my last complaint about them, and they MADE ME PAY ALL OF THE INTEREST EVEN THOUGH IT HAD NOT ACCRUED BECAUSE I HAD PAID IT OFF EARLY. 

And I made FOUR - DOUBLE PAYMENTS ( OF $ XXXX INSTEAD OF {$90.00} ). 

THIS COMPANY SHOULD OWE ME SOME MONEY PLUS AN ITEMIZED STATEMENT FOR THE ENTIRE LOAN. I WILL NEVER BORROW FROM THEM EVER AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX XXXX have 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: Checking or savings account

In XX/XX/XXXX, I opened an account with Chase online using my XXXX XXXX account to fund the account with {$25.00}. I made a deposit on XX/XX/XXXX of {$2300.00} at the branch which consisted of 2 checks. One of the checks was my pay check XXXX {$1200.00} and the other check was my mother 's tax refund which she had given to me XXXX {$1100.00}. My mother was with me at the drive up window, provided her ID and we double endorsed the check. Within about a week of that deposit I tried to use my debit card at XXXX and the payment was rejected. When I contacted Chase they told me that my account was restricted because they needed to verify the checks that were deposited. They contacted my mother twice to verify but stated they could not contact my employer to verify because he was not listed in some database. I was told that we needed to go to a branch with his ID. Because he is in TX and I am in FL, he went to his local branch at the same time that I went to one locally. They told him they could not speak to him and he would need to call in and told me to come back another time because they were busy. When we called, the rep again stated that they could not verify him because he was not in the database. The check had already cleared in his account and was showing in my account, except my account was restricted. I was in the hospital for over a week and could not follow up on it. When I got home on XX/XX/XXXX, there was a check in the mail for the balance in my account and the account had been closed. The check did not include the funds used to open the account of {$25.00} ( each for my checking and savings ) nor did it include the funds from my pay check of {$1200.00}. I asked my employer if the funds had been returned to his account and they had not. I went to the branch on XX/XX/XXXX and was told that the money would remain in suspense with Chase and my employer would need to file a claim with XXXX to have his funds returned. When he contacted XXXX, they told him that they had never heard of this happening before and said they don't have a mechanism for getting the money back from Chase. He was told that he needs to fight with Chase. Not only will Chase not release the funds to me, they will not return them to him.
Product: Credit reporting

I am looking for help regarding inquires on my credit reports -- all XXXX agencies. 
I can not believe that anyone can access my credit without my permission as it affects my score ... I have received no help from all three of the CRA 's and they all claim that those who pull my credit do not need written and or permission ( just saying they have permission is valid )???? I have been disputed for several years and they refuse to remove .... Anyone can access anyone 's credit and drive their score down????? 
How can this be true?
Product: Credit reporting or other personal consumer reports

Reporting credit agency EXPERIAN FICA score is too low compared to XXXX and XXXX. Experian reports a score of XXXX while XXXX and XXXX report an average of XXXX. Experian is miscalculating my score otherwise their FICA would be much closer to XXXX. I have asked them to confirm and they have refused. I want them to issue the correct score and not punish me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach and subsequent identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit report.

Fraudulent Accounts XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$1700.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$1500.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$37000.00} Unauthorized Inquiries XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX
Product: Credit reporting

Trans Union is reporting information that was submitted with an identity theft report and police report. These fraudulent accounts/debts should no longer report on my credit file. 

If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )
Product: Student loan

I originally took a student loan out through XXXX XXXX, which was transferred to Navient a few years ago. With the help of my mother, we entered into a payment agreement. We provided a substantial sum up front, and set up automatic monthly payments. Two years after the payments were withdrawn regularly, they stopped. I received no correspondence from Navient, and discovered the money was not being taken out when we noticed the money was not automatically being withdrawn. I contacted my account manager with Navient, who explained that payments can only be scheduled for two years at a time because of their system. I had to give him the same bank account information again to get it back on track. Three months had been missed, so we arranged for that amount to be withdrawn immediately, which it was, and re-set the automatic monthly payment schedule. Today I received an email that my account had been transferred and I needed to arrange a payment schedule with a new manager. It turns out that while I was told the monthly payments had been scheduled, they had not. My account was transferred " to another agency, '' which was never explained, and the account manager I had been dealing with said he 'd try to work with his supervisor to amend the situation. This loan has been a serious financial hardship, with astronomical interest rates, so much so that nearly 10 years after paying it, the loan is still close to the original balance. Navient has mishandled this account, treated me unfairly and made it extremely difficult for me to pay back my education loan.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late XX/XX/XXXX and XX/XX/XXXX, 60 days late XX/XX/XXXX, 90 days late XX/XX/XXXX, 120 days late XX/XX/XXXX, 150 days late XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 converge to account : XXXX XXXX  XXXX ACCOUNT NUMBER XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Notice for Proof of Claim Account : ARS ACCOUNT RESOLUTION Service # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Prepaid card

XXXXXXXX XXXX payment card issued by com data payment solutions. I attempted to make XXXX purchases and get cash back, the XXXX XXXX were successfully XXXX declined because of the additional fees as well they charge a fee for the XXXX XXXX being declined. Finally got a supervisor on the line that just stop responding then just started pressing buttons on phone either trying to get the call to disconnect or me to hang up, she never came back on the phone
Product: Credit card

On XX/XX/XXXX I paid my credit balance of XXXX which was the total amount due. 
That same day I noticed an auto payment for the same amount. I immediately called Cit Bank, and they told me on three occasions I would be getting a partial back or XXXX back. I have snice call back 3 times and have been told each time to give it another 3 days. 
Last time I waited 35 minutes to speak to a supervisor and finally hung up. Call back a fourth time and was told the same thing, that I need ed toa wait another 3 days due to federal regulations. I asked the supervisor to escalate, and he said the was nothing that could be done. 

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

I have unauthorized inquires on my credit report : XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ). I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Debt collection

I recently filed a complaint with the XXXX XXXX XXXX in regards to an entity known as Pro Collect. The issue pertains to an item that was posted to my consumer credit file with XXXX XXXX in the amount of XXXX. The item was not validated and I was never afforded the opportunity to respond to the accusation. 
I was never given notification by Pro Collect of the alleged debt prior to it showing up on my credit report I was never given the opportunity by Pro Collect to request documentation that could validate the alleged debt. 
I was never given notification that I had 30 days to respond to the accusation of debt by Pro Collect before it could be assumed as pertaining to me. 
I did not receive written notice of : The amount of the debt, or the name of the creditor to whom the debt is owed. 
I received notice from the XXXX  that Pro Collect had sent a response to them. In the response Pro Collect states that there are somehow multiple alleged debts regarding this item, totaling XXXX which until that very moment had never been revealed to me. I have found out about the alleged total balance of this alleged debt that Pro Collect appears to be attempting to collect on via a third party which is a clear violation of the Fair Debt Collection Practices Act ( Section 805. Communication in connection with debt collection ) { ( b ) Communication with third parties }. This is merely one of many violations of the FDCPA by Pro Collect that is known to me at this time, it is as if they are truly immune to the FDCPA and know that they will not be held accountable for these actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm contacting you because after the XXXX breach I 'm attempting to place holds on my credit with all the bureaus and doing so with Experian has been supremely difficult to the point that I think they are purposefully trying to stop people from doing it. Both the other companies allowed me to freeze my credit over the phone using the keypad. I tried calling and waiting for 40 minutes the first time and more than 30 minutes the second before I had to hang up ( wonder if they even HAVE customer service representatives ). Then I tried to do it online, entered all my information in correctly and answered all the questions correctly THEY DENIED THE FREEZE!!!! They are requesting that I mail them a ton of sensitive information. This is INSANITY! Fix this!!!!