23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have 4 accounts with XXXX XXXX XXXX and they refuse to work on a pay off they want a down payment of XXXX and I told them I can only do XXXX as a down payment and a monthly of XXXX which is what they asked or XXXX which is what I offered and they refused ... .. They are not working in good faith for a difference of only XXXX dollars that they can break up over into the payments. Mind you THEY OWN THE DEBT which they bought from the creditors .... I refused to be pushed into such a big downpayment, so I hung up on them ... ..PLEASE Help because I want them to accept the settlement and delete this off my credit as they stated they can do.
Product: Debt collection

debt collection company ( Aldous & Associates P.L.L.C. 
XXXX XXXX XXXX XXXX, UT XXXX Phone : XXXX www.aldouslegal.com ) called me to collect a certain amount ( {$94.00} ), which they said was the monthly gym membership fee ( XXXX XXXX XXXX XXXX. The amount was disputed by my bank because the gym deducted the amount from my bank account after the membership was cancelled a month before the pay date, and it was returned after I got my money back from them through my bank. Now they have transferred the case to the debt XXXX to demand that they hand over this amount.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they most definitely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, ( XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX ) Never informed me either written or otherwise of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
Also, according to the IRS charge-offs are considered certificates of indebtedness and thus considered income and it is illegal to report income to consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

My insurance paid the remainder balance of GM financial but it wasnt taken off my credit report!
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I attempted to deposit two checks into my business account a check from XXXX XXXX  and I deposited them the incorrect way so Chase bank rejected the deposit so I sent the check back to the originator had them put my name on the check and she sent me back another check to deposit as well for services rendered from my company XXXX I have already had previous checks clear from this company when I called to inquire as to why I cant get some of my money, because this is a business and you have to keep running and if youre taking my money and holding it up there, I cant get things done so I spoke with a guy and he told me to give it till XX/XX/XXXX which is when the hold will come off I asked to speak with a supervisor as well to understand why this is the third time they have made my account go negative and they have not released the hold, so I speak with a supervisor and the supervisor asked me well why did the lady send me a check without my name on the check and I said that I except all forms of legal tendered deposits or payment for my services rendered and I did not have an answer for that. I told him to ask her and at that point he told me mm, were not gon na take the hold off. Nor are we going to clear your balance and release the hold on the checks so with that thats straight up discrimination because theyre not doing anybody else like that my account is still right now today- {$9500.00} when they have my money they have the check the money has been released from the other bank and theyre still choosing not to clear my account and give me the money that my client paid me. This is Chase Bank. Once they found out that I was XXXX things went very very sour and with thats when they hung up on me and I have not talk to anyone since I am planning on calling back this morning. That is my complaint
Product: Checking or savings account

On XX/XX/year>, while attempting to pay off a vehicle loan a check for {$13000.00} was provided to me from XXXX XXXX XXXX XXXX XXXXXXXX. The check was made payable to XXXX XXXX XXXX but it was inadvertently mailed to Navy Federal Credit Union. Being that I am not a Navy Federal Credit Union member and the check was not made payable to Navy Federal Credit Union, I patiently waited for the check to be returned via mail. Nonetheless, the check was cashed and deposited to a Navy Federal Union account. I reached out to Navy Federal for assistance in this matter and they refused to resolve this incident on multiple occasions, they claimed that since I am not a member they can not do anything about it. Even when I have proof of the cashed check. This comes across as someone committing fraud or a Navy Federal employee making a mistake. Either way I need this issue resolved.
Product: Debt collection

Exeter Finance LLC. is inaccurately reporting information on my behalf and continuing to renew this information on a monthly basis to the credit reporting agencies as a result of this my payment history is showing multiple late payments which are a direct violation of 15 U.S.C 1666b ( a ) Timing of payments in which this code explains a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as LATE for ANY purpose. This inaccurate information is false and misleading ( violation of 15 U.S.C 1692 ) and goes against the credit system that was created to provide accurate reporting on a consumers behalf. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification is unfair practices and is a violation of 15 U.S.C 1692f Please update your records accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, Experian and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed an account listed as a collection account with experian because the collection company refused to provide information about the account, including the XXXX date of delinquency/missed payment, only reporting the date that the collection company reported it for collection. No info was available about when the account became 30 days past due, 60 days past due, etc. 

Each of those disputes resulted in experian continuing to report the same information but with additional collection fees added to the balance owed. Even when a dispute was filed again the next day, the amount owed increased from the previous dispute. 

Each time the dispute resulted, the result stated that the item was scheduled for deletion from my credit report XXXX, XXXX. 

In XXXXXXXX XXXX, I filed a dispute stating that the item was scheduled for deletion but had not been deleted. I requested deletion as scheduled. 

I again pointed out that there had never been an original date of delinquency reported for this account and that even using the collection date instead of XXXX delinquency, the account is now time bared for collection in the State of Nevada because it would be 6 years, 8 months, 1 day old. It can not be collected. It is not a collection account. 

As a result of that dispute, experian simply deleted the deletion date! Now, the report states " invalid date '' numerous times in the section where the deletion date of XXXX, XXXX  had been on all the previous dispute results. The entry remains on my report as a collection account but now with no end date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is unable to verify my identity and I believe they have me down in their system as a minor. I am unable to do anything on their website or telephone system because they either don't ' have a human being I can talk to or their website will not recognize me.
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.

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

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. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.
Product: Debt collection

Affirm Inc is reporting under my good name a fraud account. This fraud account is stating that I owe {$790.00}. I have never done business with them nor know whom they are. Please have them removed this fraudulent account.
Product: Credit card or prepaid card

I responded to the credit card offer sent to me by the Citibank and received an appropriate level of Thank You points due to it. 
The card # XXXX XXXX XXXX XXXX The established XXXX XXXX account is XXXX I redeemed the points for the {$170.00} worth of the XXXX Gift ecards which were to be delivered instantly on XX/XX/2021 to my email account. However the cards never arrived and the Citibank 's own customer service running the XXXX XXXX  based in XXXX was unable/unwilling to offer any assistance while putting me on a long hold. As of now the order is not received and I closed the credit card account in protest of extremely poor customer service the Citibank provides. I will also shortly close a financial product I have with the Citibank XXXX as result of this situation. 

As of now I still do not have any info regarding the order placed on XX/XX/2021 as the points are showing redeemed however the cards are not received. I also have an outstanding balance of XXXX XXXX XXXX which I expect to have credited back to me in form of the check for {$12.00} since Citibank is unable to process the order for the whole amount of the XXXX XXXX I have accrued. 
The way Citibank is handling this matter is outrageous and unacceptable and it reflects on an absolute lack of any quality control at its overseas call centers handling the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX solicited one of my companies for an XXXX XXXX XXXX XXXX, which my business received. Our business was exclusive to XXXX, so we had no other revenue source but our revenue was already $ XXXX in the first 6 months. However, XXXX abruptly and without any explanation closed our XXXX store and suspended our account. Therefore, my business could no longer afford to pay the loan until we resolved the matter with XXXX, who still owes us over XXXX XXXX XXXX XXXX explicitly told me and one other equity owner of this business that the loan was NOT PERSONALLY GUARANTEED and I provided two separate emails with XXXX  employees assuring us that only our business credit would be effected if we defaulted. I provided this proof to all XXXX bureaus and demanded removal of the charge off showing on my credit and all XXXX STILL have this on my personal credit report, which has reduced my credit score from XXXX to XXXX! I need this removed immediately!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I contacted Lincoln Automotive Financial where my car loan is processed and advised them that I would need to send the payment through XXXX XXXX as my payment was due on the XXXX.. I was given my account number and told to send it to XXXX XXXX. I did so at the XXXX XXXX in XXXX Colorado on XXXX and XXXX in the amount of {$640.00}, which included the payment of XXXX and {$7.00} for the XXXX XXXX fee. Tracking # XXXX A few days after the I began receiving calls from Lincoln Automotive Financial and was told that they did not receive the payment. I was told to call XXXX XXXX to make sure it was sent. I did so and was told that it had been sent to XXXX XXXX. I called Lincoln Automotive Financial again and was told they would review their records and call me back. 

On XX/XX/XXXX, I received a call from XXXX at Lincoln Automotive Financial that they still had not received the payment and that I needed to contact XXXX XXXX again and call her back. She asked me to fax her a copy of my receipts. I did so. I made approximately 10 calls this day back and forth from Lincoln Automotive Financial and XXXX XXXX and the results were that the money should have been sent to Lincoln Automotive Financial but XXXX XXXX sent the money to XXXX XXXX ( the wrong company ). XXXX XXXX stated they would begin the process to get this corrected and I should call back on Monday of the next week. The case # is XXXX. 

I called back to XXXX XXXX and was told that they needed the city in which the payment was to be sent. I called Lincoln Automotive Financial and was told XXXX, MI. I then called XXXX XXXX back and was told that they would get back to me in a few days after they received the money back. 

I called XXXX XXXX the following Monday, ( Which is now XX/XX/XXXX. ) and was told that they are not receiving a response from XXXX XXXX to get the refund. That they would escalate the claim and get back to me in a few days. 

I called on XX/XX/XXXX and I still have not received a response to where my money is. I was dinged on my credit with a late payment by Lincoln Automotive Financial due to the fact the money was not sent to Lincoln Automotive Financial because I told to send it to XXXX XXXX by the Lincoln Automotive Financial representative. 

I want the money returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I sent XXXX, XXXX, and Equifax my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit card or prepaid card

I reported my credit card stolen on XX/XX/XXXX to Bank of America. There were two unauthorized charges on my account one to XXXX for XXXX and one to XXXX XXXX for XXXX. The first time I called the Bank they did not enter in all of the information correctly resulting in my claim being denied. The second time I called the bank they said that I should write a written report and I did but my claim was still denied. The Third time I called they asked for a police report so I got one and the bank said it should be resolved, but my claim was still denied. I reopened the case again and told me It was denied because an after pay charge was charged after I reported my card, and I let them know it was an after pay charge and I cant control what day it gets charged. They have made me call them at least 6 times- each time they tell me it will be resolved because the details are all there but then each time it is denied and I have to call and retell my whole story over and over. Each time I spend at least 30 minutes on the phone with them. I have banked with them since XXXX  and Im having such a hard time getting my money back for these fraudulent charges.
Product: Debt collection

Received a collection of debt XX/XX/2026 in the amount of {$380.00} from Credit Control , LLC who Ive never done anything type of business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like for the credit bureaus to remove all fraud alerts on my credit profile unless I call or send in any letters saying so. I am tired of being embarrass when I apply for new credit. It is ridiculous to always be denied and not instantl approved of credit because my fraud alerts. Please remove them now within 24 hours of receiving message. Also please remove any address, names, social securities. I also want to permanently opt out of any marketing advertising and please do n't sell any of my information to any creditors or any companies or you will face consequences in court against me. Remove any employer information that is on my credit report. Please send me a newly revised credit report from all 4 credit bureaus with updated information. I did n't give any consent for any inquiries on my credit report. Show me your verification process and how these inquiries were placed on my credit report? It 's so much bs that goes on with in credit and you guys try Remove them as well, all inquiries please XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX. Please prove your verification process please send me information on how you verify information please. I need step by step. I have filed complaints online and certified mail to FTC, XXXX County Courthouse, BBB, an Affidavit that will be sent over to you. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed my name on my report not recognized, inaccurate & incorrectly spelled this is how my name should be on my report that I only go by - XXXX XXXX XXXX any other names I have never been associated with I also have noticed addresses that are not recognized, never lived at, or associated with me XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX