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

I recently reviewed my credit report and notice their is. a charge off on my credit report that is still showing accuary payments that is harming my credit that has been Charged Off /witten off due the the fair credit act i've the right to disput any inaccurate information thats reporting to my creit report U.S.C 15 168i
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 item of 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 inaccurate.
Product: Credit reporting or other personal consumer reports

During the course of this loan, communications from the company were being supplied via two different emails causing important notifications to be sent into my junk/spam folder and missed. 

The dates of my repayments were modified and set without my review or approval. 

In my attempt to pay a day before my payment was due, it would not allow me to as it was already processing. Another time it said I was passed due. Making it difficult to actually make payments. 

But the real and what I consider the biggest issue, is that when I was unable to make my payment because their system wouldnt allow me to ( and it would have been paid a day early ) ; it was after that they issued an email stating WE LEGALLY CAN NOT PULL THIS PAYMENT FROM THE ACCOUNT ON FILE. ( We can pull future payments. ) needing my authorization to withdraw the funds! An authorization I NEVER gave!! However, 2 days after that email they took the money out. When it was brought to their attention I was told they considered it a future payment, unfortunately it was not a future payment, it was their attempt to recover the previous payment I was unable to make due to their system. 

They violated their contract with me and have now destroyed my credit covering up their illegalities!!
Product: Debt collection

In XXXX I was informed that I was being garnished from an old auto debt. With out any notification. With out ever being served. 

It was to late to do anything and the company took 25 % out of each of my checks about 7 checks in total. 

After the last garnishment, I contacted the company o set up arrangements in XXXX. I spoke with XXXX. We set up an arrangement for me to pay XXXX on XX/XX/2021. 

I tested positive for XXXX  and had been in the hospital on a XXXX, when Irecieved an email stating that if I did not make a payment bu XX/XX/XXXX, she would re issue a garnishment order. 

I find this very appalling and i'm actually flabbergasted that I would be threated with another garnishment. I was never served properly, and the to threaten me with another garnishment when I haven't worked in two weeks is disheartening,
Product: Credit reporting or other personal consumer reports

I am a person that has been taken advantage of and credit reporting bureau has violated the fair credit reporting rights and I was also not notified about any discrepancies within 30days and Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after its all done.
Product: Debt collection

Hello : Date XXXX/XXXX/XXXX I called to Collection Company and asking for charge under my name they told me the charged was from XXXX XXXX for amount {$960.00} I never received any notice for this debt but I agree to paid in XXXX/XXXX/XXXX for they reported, remove and deletion this charge from the major consumer reporting agencies but I called several time they never respond my question what happened with you promisse. well I think was victim of the lie.
Product: Credit card or prepaid card

On or about XX/XX/2021, I made a purchase on my American Express card with XXXX XXXX. I purchased the following : 1. Restaurant : {$30.00} 2. Oil Change {$49.00} I was charged {$120.00}. In fact, I should have been charged only {$79.00} in total. The problem was that XXXX mistakenly charged me twice ( 2x ) for the Oil Change Portion. Instead of charging me {$49.00} for the oil change, XXXX charged actually charged me {$99.00}. The Restaurant portion was fine : {$30.00}. The total charge was {$120.00}, but should have only been {$79.00} altogether. 

I tried contacting the merchant ( XXXX XXXX ), but there is no telephone customer service. I was unable to reach any customer service help at XXXX XXXX. 

I tried disputing this with American Express, but American Express does not understand the complaint. It summarily denied it.
Product: Vehicle loan or lease

I obtained a used car loan with TD Auto Finance and was a cosigner for my husband. He became XXXX and could not work anymore, so we asked TD Auto to consider lowering the payments or any other financial assistance for the hardship. They advised that there were n't any options available and the only thing we could do is refinance, which was not an option due to behind payments. At that time we agreed to voluntarily surrender the vehicle. Few months later received a large {$19000.00} bill for the deficiency balance and letters from their attorneys. This company charged very high interest rate on the car loan and were not considerate of the financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

My concern that remains is the FICO score was XXXX at this time last year and is currently at XXXX, and went down to XXXX in XX/XX/2020 due to this company 's inaccurate reporting and failure to observe the laws established by the FCRA. I don't know of a process that will allow me to recoup my points because I attempted to consolidate my bills to get a lower interest rate and pay off all of my credit card debts, including this Target Red Card, but was denied due to late payments reporting that should not have been. This just seems like a vicious cycle. I am still looking for a reduced interest rate from this company since I was unable to get a credit union consolidation after I made the last payment on my car loan in XXXX, with a credit union that DID FOLLOW the CARES Act and mailed my title to me with ( 0 ) zero late payments on any of my CBR. I am asking for this company to correct my credit report by removing the XX/XX/XXXX 30 days late according to Section 4021 of the CARES Act which amends the FCRA to address how furnishers report accounts subject to an accommodation. Otherwise, it looks like a FCRA case is in order.
Product: Debt collection

Msw capital bought the debt from XXXX XXXX. I do not owe this bill because this bill is a result of identity theft. I never had a XXXX credit card. Now I have a lien with a small claim judgment against me. I just came out of bankruptcy and will loose my FHA loan because of this.
Product: Credit card

This dispute concerns the late fees and interest charges to my Comenity credit card following the payoff of the balance on my card. I paid off a {$3000.00} balance on my Comenity card in XX/XX/XXXX. I receive electronic statements on this account and since I had paid off the account, I wasn't monitoring email but started getting calls from Comenity. I realized that there was a residual interest charge on the account of {$24.00} and paid that amount on XX/XX/XXXX. I sent a message to Comenity at that time requesting that the late fee and finance charges be reversed since the account was paid off. On XX/XX/XXXX, I checked my Comenity account and my account balance is {$68.00}, not {$0.00} that I expected! I reviewed the transactions and found that Comenity had reversed {$15.00} on the late fee but then went on to charge me a {$40.00} late fee and recharged me the {$15.00} late fee they had reversed in addition to more finance fees. I called Comenity and explained what happened and requested that the late fees and interest charges be reversed as I had paid off the account along with the residual interest. The agent I spoke to refused to reverse the fees so I requested to speak to a manager and after explaining everything again, he also refused to reverse the fees. He even made a rather snide comment that " everyone knows about residual interest '' which I was not disputing but just didn't realize that it was charged or I would have paid it on time. The handling of this complaint by Comenity customer service reps was very poor to a long term customer and this fee practice exhibits such predatory behavior on Comenity 's part. I've had this account since XXXX or earlier when it was XXXX XXXX account but that's about to end. It's a gotcha kind of thing when they charge a late fee and then reverse a portion of the fee so that they can slap you again with a late fee because you didn't pay the late fee that you thought was reversed!
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to notify the credit bureau AGAIN that I was an identity theft victim, I'm sending this complaint. The fact that I want to dispute unlawful items that are appearing on my credit report seems to be of little concern to the credit bureau. Since this is a clear breach of FCRA laws, I need the materials deleted from my file as quickly as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance XXXX {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$590.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX 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 or other personal consumer reports

Institution Involved : XXXX XXXX : XXXX Nature of the Complaint : This complaint addresses OneMain Financials repeated violations, including inaccurate reporting to the credit reporting agencies ( CRAs ), breach of contract, failure to adequately investigate disputes, and adverse actions that have caused financial and reputational harm. 
XXXX of Events : XXXX. XX/XX/XXXX : * XXXX XXXX stated they had requested updates to the CRAs for the following information : date of last activity, last payment date, and payment history. However, these updates were either not made or remain inaccurate. Despite providing extensive supporting documentation, including a copy of my drivers license, Social Security card, and highlighted credit reports detailing the errors, XXXX XXXX falsely claimed that my correspondence " does not provide sufficient information to investigate your dispute. '' XXXX. XX/XX/XXXX : * A dispute letter was sent and received by XXXX XXXX, signed by XXXX XXXX. ( Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX ). No substantive action was taken to resolve the inaccuracies. 
XXXX. XX/XX/XXXX : * Another dispute was delivered to XXXX XXXX. This correspondence included detailed information regarding the inaccuracies and supporting evidence. ( Tracking Number : XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX failed to adequately respond. 
XXXX. XX/XX/XXXX : * I sent an " Intent to XXXX '' letter, which included an invoice and outlined their continued violations, inaccurate reporting, and adverse actions. This letter was signed by XXXX XXXX XXXX. ( Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX ). 
XXXX. XX/XX/XXXX : * A pre-arbitration notice was sent, reiterating the ongoing inaccuracies, breach of contract, and adverse actions. XXXX XXXX received this notice on XX/XX/XXXX, signed by XXXX XXXX XXXX. ( Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX ). 
Violations : XXXX. Inaccurate Reporting to CRAs : * XXXX XXXX continues to furnish inaccurate information to the CRAs, including incorrect dates of last activity, payment history, and other key account details. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Failure to Investigate Disputes : * Despite receiving all necessary documentation to locate and verify my account, XXXX XXXX falsely claimed insufficient information to investigate my disputes. This constitutes willful noncompliance with the FCRA ( XXXX XXXX XXXX ). 
XXXX. Breach of XXXX : * XXXX XXXX breached its agreement by initiating legal action against me before compelling arbitration, as stipulated in our agreement. This breach has caused defamation of character, harassment, and adverse actions. 
XXXX. Adverse Actions : * XXXX XXXX actions have caused adverse effects, including defamation of character, financial harm, and emotional distress. 
Harm Caused : The continued inaccuracies and adverse actions have resulted in : * Denial of credit and financial opportunities. 
* Emotional distress caused by harassment and defamation of character. 
* Financial harm through unnecessary legal proceedings.
Product: Mortgage

I am a veteran and have a VA Loan. On XX/XX/XXXX I submitted a complete package containing all required information to Nation Direct in conjunction with my request for mortgage assistance. I received a letter dated XX/XX/XXXX that they received my information and that a appraisal may be completed. XX/XX/XXXX I received notification of a foreclosure action dated XXXX/XXXX/XXXX. I spoke with XXXX in the Loss Mitigation Department and was advised that as of XX/XX/XXXX. She stated there was no letter sent or attempted contact made regarding the items that were missing. She also staed that there was no activity from XX/XX/XXXX. She advised that there was a note on XX/XX/XXXX that file was incomplete and that a incomplete notice of mailed on XX/XX/XXXX which I never received. I questioned as to why my loan was submitted to foreclosure if they did not make a decision on the request for modification and why a denial letter was not sent to me. She was unable to answer. I also told her I had a right to appeal the denial and that was not afforded to me. I gathered all financial information and submitted those documents through their portal, XXXX. The next following day, I logged back in to see if there was an update. It showed nothing was updated. On XX/XX/XXXX I submitted ALL required documents via e-mail to XXXX. I made contact on XX/XX/XXXX and verified that they acknowledged the e-mail and was reviewing the documents. XX/XX/XXXX I was notified that additional documents needed ; XXXX Bank Statements and all pay stubs through XX/XX/XXXX. XX/XX/XXXX I e-mailed the requested information. I reached out to them today and they are asking for more information although they confirmed that all my financials were up to date through XX/XX/XXXX and that my file will not be moved to underwriting until when the " Processor '' deems appropiate. Today then even asked me for my XXXX Bank Statements but the statements has not been released. I feel like I'm being setup to lose my home. I have complied with all information they have asked of me and I simply want a fair chance to keep my home. As we continue to go circles in request for documents, my foreclosure continues to advance although from a legal prospective I question whether this foreclosure is valid. I believe that the handling of my file has violated the " Homeowners Bill of Rights Act ''.
Product: Credit reporting or other personal consumer reports

I

n 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. Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 a 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 item of 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 inaccurate.
Product: Debt collection

The following information was put on my credit file, XXXX sent me an alert notification. 
I logged on to see the information and Online Information Services put this on my account which is out of XXXX I have never lived in XXXX The debt collector said I would have to contact ftc.gov and fill out fraud affidavit form and send over. 

This is not my debt and I never allowed anyone to use my social security number. 

Contact info Name ONLINE INFORMATION SER Address XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked up my credit report and there is a debt on my credit report that is not mine. I have never had any type of debt with this company and do not know why they are reporting that I owe them. I have received several phone calls from them all times of the day and the phone calls are always very threatening. I have asked that they stop contacting me and that I do not owe them any money. The phone calls have continued, and the debt is on my credit report and negatively affecting my credit. 

The Company is Trident Asset Management Debt Amount : XXXX
Product: Debt collection

I never bought a service from XXXX, especially in XXXX XXXX, that I have never been to. When I disputed the debt with the collection agency, they only sent me the amount owed and a notarized letter without my information or signature anywhere. The only information that appears from me is my name with an old address and nothing else. This debt is not mine.
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report and I'm puzzled as to why. As part of my routine check, I reviewed my credit report and found unexpected discrepancies. Attempting to refresh my browser to correct a possible glitch proved ineffective, as the inaccuracies remained. I am requesting a thorough review of the documents I've submitted to ensure this problem is resolved and I won't have to worry again.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered discrepancies in billing. The late payments listed are inconsistent with my payment history. Kindly correct these mistakes and make the necessary updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was not resolved. See feedback
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus did not verify the accuracy of the XXXX XXXX XXXX account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024, I made my personal loan payment of {$500.00} to USAA Federal Savings Bank. I manually made the payment due to the automatic withdrawal not going through properly if the withdrawal date falls on weekend or holiday, which it did. The automatic withdrawal date is the XXXX of every month. In the past the automatic withdrawal would go through and this resulted in a late payment penalty that I had to contest with USAA. On XXXX XX/XX/2024, at XXXX, I saw that the automatic withdrawal had gone through for {$500.00}. Ar XXXX on XX/XX/2024, I called USAA and spoke with a customer representative named XXXX. I advised her of what had happened with the automatic withdrawal and how this had taken the majority of my money i had to live on and pay my rent along with taking care of my kids. XXXX advised me that i could file a dispute about the transaction and get a provisional credit for the {$500.00}. XXXX advised it could take a couple hours for the USAA dispute team to evaluate my claim and they will issue my provisional credit. I waited till around XXXX on XXXX XX/XX/2024, and called USAA I talked to another customer service representative and advised her of the situation. he told ne give it 24 hours. I then waited the 24 hours and called on XXXX XX/XX/2024, I spoke with XXXX who had to be one of the rudest and condescending customer service representatives i have ever spoken to at USAA. I advised him the situation with the automatic withdrawal. XXXX advised me that I had to wait 10 days. Our conversation became unproductive due XXXX 's condescending and passive aggressive attitude. I ended the call and waited several days hoping that maybe the USAA XXXX department had looked at my dispute. I called on on XX/XX/XXXX at XXXX and spoke with a customer service representative at XXXX. After being transferred around and being sent to the wrong department twice, i finally spoke with a gentleman that told me that there was nothing anyone could do to help me. I had to wait 10 days for the dispute department to look at my dispute then after maybe another ten days I would receive a provisional credit if at all. He advised me that USAA does not have to refund MY money. And if USAA does refund it they can take up to 45 days.