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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$480000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Debt collection

Your choices don't exactly fit my situation, but if you look at the online call reporting sites you see this is obviously a debt collection scam. A phone message comes in from XXXX or a similar number with a recorded message stating this is an effort to collect a debt and I or my attorney must call back to XXXX. They never mention my name or their name or the name of the company to whom I supposedly owe the debt. The message always cuts off right before they are supposedly giving a reference number. I have not called back, as this is not a toll free number, but others who have reported this number ( the XXXX number ) have attempted to call back and they are hung up on when they start demanding information about the supposed debt. Apparently the entity using this call back number does this every tax season. I am in the middle of Chapter XXXX bankruptcy. No legitimate debt collector would be calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I currently have a vehicle loan for over a year now and it has never been report to credit bureau of me even having a vehicle loan I am also not able to view my XXXX score on XXXX online site I never had access to that either If you could please help me in understanding of whats going on and all the months I have missed of my car loan never reporting .. is it anyway to correct this?
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of thewrongperson.|
Product: Credit reporting, credit repair services, or other personal consumer reports

this company made a inquiry without my authorization on XXXX XXXX,2017
Product: Consumer Loan

I purchased XXXX Ford Fiesta from XXXX XXXX XXXX XXXX, in XXXX of XXXX. I was making my payments on the vehicle. I started to have problems with the car so wanted to trade the car in. Not to mention, did n't have car for a year yet just 9 months. Went to where got car to trade it in. And could n't trade, from XXXX XXXX XXXX XXXX. They were going all around why I could n't trade my car. Went to XXXX to see if I could trade the vehicle there. At XXXX is where I learned of predatory lenders. I learned that I was paying the interest instead of the car. That the finance company ( Skopos ) was charging me XXXX more than what car is worth. So in the contract six years to pay off a XXXX XXXX dollar car that 's only worth between XXXX to XXXX. So I even tried my bank which is a credit union and they wo n't touch it cause they said the car is not worth XXXX. Please help me to get interest rate down which is 17 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a credit card payment to XXXX  XXXX XXXX. 

4-5 days later, I payment wasn't processed so I sent an additional payment on XX/XX/XXXX. That payment was processed and debited out of my account. A few weeks later in XXXX, I found out both payments made in XXXX were refunded to my checking account due to a system processing issue within the company. 

I went to the bank branch and spent numerous hours trying to figure out why, and no employee of the bank could identify the system issue. The bank then continued to contact me saying that my payment was late, yet I have never missed a payment on this 14 year account, and it was my oldest account which I kept in good standing since College. 

I made anothey payment on XX/XX/XXXX and the representative said they'd be able to re-open the account since I have been a good customer for 14 years, and I have a business and personal account as well as a travel card with XXXX XXXX XXXX. 

The account was never re-opened and now it not only reflects as a late payment account, but it was unprofessionally closed with no explanation, clarity, or investigation, and now impacting my credit history an credit score. 

in accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has an access on my credit information, and is ruining my credit while I was sick. I have no knowledge of what and who this could be.
Product: Student loan

My loans were distributed on XX/XX/XXXX in the amount of {$160000.00}. Loans were from multiple sources for my XXXX at XXXX University and XXXX XXXX at XXXX XXXX XXXX. They were consolidated into 2 accounts by NAVIENT for repayment. My current balance is {$190000.00}, which is an increase from my original loan, even though I have made payments. As of XX/XX/XXXX, I have made 58 payments to NAVIENT totaling {$45000.00}. After 58 payments my balance has not gone down, but up. This did not make sense, until I exported my payment history into a spreadsheet to figure out how this is possible. As I looked at the math on the spreadsheet, it became clear that out of {$45000.00}, only {$8700.00} went towards the principal, {$34000.00} went towards interest, and {$1300.00} went to late fees. The other shady part of this loan is that during the times I asked for student deferral while in class, NAVIENT would not only charge me interest, but also capitalize it. Which really means double dipping. Basically any amount late after 30 days was added back to the principal loan amount. For me thats {$36000.00} that was added back into the loan balance. Remember my paid in amount of {$45000.00} ; {$34000.00} interest and {$1300.00} fees= {$36000.00}? Notice how even though I paid {$36000.00} in interest and fees, they then took almost that same amount {$36000.00} and added that back into the total loan balance. This is the magic behind a balance increase even after 58 payments were made. Basically Im running on a treadmill backwards, if that makes any sense. No lender should be able to do this and especially without informing customers of this practice. Stuff happens and I can understand a late fee here and there, but to turn that late fee into a 120 % win-fall is ridiculous. 

Also I was not in an income driven payment plan from the beginning, I just found out about that on my own, doing research. NAVIENT put me on a payment plan with lower monthly payments, but I would be paying until the year XX/XX/XXXX. I just changed it myself and saved myself 15 years and $ XXXX. This is unfair to have no choice in the loan servicer the government provides and for NAVIENT to be able to take advantage of students. How do I get out from underneath their control and not lose my federal student protections? The capitalized interest {$36000.00} should be removed from my loan balance, this is not fair, it is a fee on top of a fee.
Product: Credit card

I had originally filed a compliant with CITI ( XXXX XXXXXXXX ) regarding a dispute that was unintentionally withdrawn but was for a service never delivered ( for {$400.00} ). After making the complaint with CFPB, I received a response letter from CITI on XX/XX/XXXX indicating that the dispute was permanently credited to my account. However, the amount of {$400.00} was never credited to my account. Thus, the issue has not been resolved. The other dispute ( also for {$400.00} ) is still pending ( as indicted in the letter ), but I did receive a credit for that dispute. Despite multiple calls and being told the credit would be applied to my account ( before the statement payment deadline of XX/XX/XXXX ), it has not. I just spoke with a XXXX today ( XX/XX/XXXX at around XXXX ), and she told me she was just assigned this case ( even though it was assigned to someone else in the past ) and will not have any further information from me until XX/XX/XXXX.
Product: Credit card

Applied for the Caesars Credit Card through Comenity Bank/Bread Financial ) on XX/XX/XXXX/2024. 

Was told my application was under review for the next 10-14 business days but no further information was provided. Called the XXXX credit card phone number on XX/XX/XXXX to find out why my application for credit has not been processed yet and they were unable to locate my application nor would they provide the number of the credit department that approved credit cards. 

My credit score is over XXXX. There is no reason my credit application shouldnt have been processed and I dont understand how a credit card company can be in business without a credit department that can assist people with getting their credit cards issued.
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. XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 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, credit repair services, or other personal consumer reports

I have never done business with this company & there reporting false & misleading information on me. I've contact them via email. Nor have I sign a contract or ever done business with this company. It's affecting my housing & stressing me out.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I recently made a purchase on XXXX, but the item I received was significantly different from the seller 's description. I attempted to resolve the issue with the seller, but they refused to cooperate. As a result, I opened a dispute through PayPal to request a refund under the " Item Not as Described '' policy. 

However, PayPal rejected my dispute without a clear explanation. Shortly after, my PayPal account was suddenly closed, preventing me from accessing my funds or using PayPal services. I was neither provided with a valid reason for the closure nor given a chance to appeal. 

I believe this decision was unfair, and I request a thorough review of my case. Please let me know how this issue can be resolved and how I can regain access to my account.
Product: Debt collection

allegedly i did not paid for insurance, i was never cover never send me anything to dispute and never prove to me anything i do not owe anything
Product: Payday loan, title loan, or personal loan

I purchased a XXXX Washer and Dryer from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They sold Washer and Dryers that were either stolen or have a recall on them and did not disclose that information. Acima does business with this company. XXXX has a recall on their washer and dryers, he told me the washer and dryers were new, but they were not. when i got them, the serial numbers were scratched off of them so I could not provide XXXX with the information to have them come pick up the washer and dryer to fix the element that was wrong with it, when i called ACIMA they said there was nothing they could do after emailing them twice, they lied and stated that my number was not on file and everyone there was extremely rude and not helpful the resolution department is horrible and unhelpful. I need this washer and dryer out of my home before it burns the house down. the dryer also throws off my breaker anytime i ran it in the past making both the washer and dryer useless. Also, the guy made me pay {$60.00} for delivery and pay him {$100.00} upfront, this was a criminal event all around and I had no idea, i only wanted a washer and dryer because the last one broken down, Acima is a terrible company and I've done business with them in the past and had no issues. Also, I did not see the washer and dryer until they brough it to my home, I had no idea it had write stickers on it or the serial numbers were scratched off. Also, the guy has me lie to Acima and tell them that it was delivered the same day, but ti was not delivered until the following day at the end of the day the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List ot 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 XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number 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 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

In accordance with the fair credit reporting act, these creditors have violated my rights. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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

I received a phone message on XXXX/XXXX/2015 from Fairfax services tel # XXXX. They asked that I return their call to XXXX. I googled the name of the company which I discovered is a debt collector. The message stated that they are looking for whomever is handling the affairs of a named relative of mine who has been deceased for thirteen years now. I am also aware that all that person 's debts were cancelled upon their death with all creditors. Therefore, I am shocked that someone is harassing relatives to collect on debts of a deceased person thirteen years later.
Product: Debt collection

took out a loan with Mariner Finance which they insisted on securing with a lien against our vehicle which at the time had been in an accident. The insurance company had previously declared the vehicles value was salvage {$350.00} which was told to the branch manager at the closing. I had XXXX XXXXXXXX in XX/XX/XXXX which didnt allow me to return to work for 12 weeks. I wasnt able to work many hours in the first month after returning to work and then I was laid off due to COVID. In XX/XX/XXXX I enrolled in a Debt Relief Program and submitted this account in the program. XXXX XXXX couldnt accept a secured debt, MARINEER FINANCE declined to remove the security. Subsequently the branch manager refused to accept the offer of the trade-in allowance as settlement of the debt. Every month since XX/XX/XXXX MARINEER FINANCE has reported the account a CHARGE OFF, PAST DUE to the credit bureau. Their actions are nothing more than retaliation and a deliberate violation of the Federal Fair Debt Collection Practices ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  incorrectly reported a 30 day late payment on my credit card. I went to a XXXX branch and the bank manager opened an investigation. I then received a letter from XXXX that the information was reported in error and they would update the information with XXXX, Equifax and XXXX. They never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX HAS PUT A COLLECTION ON MY CREDIT REPORTS THAT I PAID IN FULL PAID XXXX XXXX XXXX PAID THIS DEBT IN FULL TO XXXX XXXX. XXXX XXXX XXXX SAID IT WAS CHARGED OFF AND I DON'T KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL I AM NOT XXXX I KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL. I PAID THIS DEBT OUT OF MY HARD EARNED MONEY IN FULL HAVE TALKED TO A LAWYER AND THE POLICE THE THEY SAID THIS IS MOST LIKELY A SCAM
Product: Credit card or prepaid card

Im being accused of making transaction on a card I never applied for this was open without my consent I tried telling the bank but got harassing calls constantly telling me to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice violations under the FCRA : The CRAs are repeatedly failing to identify their source within their responses to the prior disputes related to the incorrect public records listed on my credit report. 
The three Bureaus are not investigating and not providing the third party vendor. 

Rule Violated : A creditor fails to notify consumer when it supplies negative credit information to a CRA. The Credit Bureaus/CRAs have failed to identify the vendor or source of the two public records listed on my credit report : Pursuant to Federal Bankruptcy Court rules is the court does not supply the credit bureau ( s ) with any court records. 

XXXX  ( XX/XX/2018 ) does not list the VENDOR or SOURCE who provided the public records, as the address on the public record is Notice violations under the FCRA.

TransUnion ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA. 
XXXX  ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used my Venmo account to send {$200.00} dollars to my sister. During the transaction on my smartphone, the Venmo application initially rejected the {$200.00} transfer due to insufficient funds in the bank account linked to my Venmo account. I confirmed I had sufficient funds in my bank account, XXXX, and I proceeded to once more send the funds through Venmo. On the second attempt, the funds were sent to my sister. 

My sister received {$200.00} dollars, and I thought all was good. I later checked my bank account and noticed Venmo had deducted from my XXXX account a total of {$400.00}. There were two deductions from my account of {$200.00}. This would have been fine if my sister had received {$400.00} because she could have sent the funds back. However, she only received {$200.00}. This was confirmed via the transaction history on my Venmo account and my sisters. Our Venmo transaction history indicated only one transfer of funds for {$200.00} had occurred between our Venmo account. 

I contact XXXX to confirm if two transactions had actually posted to my account. XXXX confirmed and provided the trace numbers for each transaction. 

I filed a dispute with Venmo who initially issued a credit of {$200.00} to my account, and I let them know what the issue was. In reviewing my dispute, Venmo did not acknowledge the fact that they had deducted {$400.00} in total from my bank account but their platform was only showing {$200.00} was deducted/transferred. In their investigation of my clam they asked my sister if she had received {$400.00} which she answered as no. She, as we had already determined, only received {$200.00}. Based on her response, Venmo determined that my dispute was not valid and attempted to deduct the {$200.00} from my bank account which was unsuccessful due to security features enabled on my account. 

Since Venmo was unable to deduct the funds from my account they placed a hold on my Venmo account and gave me a negative {$200.00} balance. I am now unable to use my Venmo account for payment transfers and services that I would normally use to settle tabs with friends. Further, funds that I do receive, that are rightfully mine, have been withheld by Venmo.
Product: Debt collection

I had a claim on my insurance for XXXX from XXXX XXXX XXXX XXXX. Claim # XXXX I have paid the company the collection agency is charging XXXX file # XXXX more then the amount owed
Product: Debt or credit management

I was charged fees for credit repair from credit repair.com and also Lexington law for years with no results of services being rendered for fixing my credit. 

I have receipts that my credit never improved while being on the programs.