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

Bottom line, I am requesting your assistance ( 1 ) correcting this company 's current billing ; and ( 2 ) directing this company to make updates to my credit report as the information reported is inaccurate. 

Between XX/XX/2020 - XX/XX/2020, on a monthly amount of {$1000.00}, I owed this company {$8400.00} ( excluding any penalties from past due amounts/reversed payments ). 

During the period above, I paid the company {$9200.00}, which is approximately {$820.00} over what would ordinarily be due on a regular monthly cycle. Despite 17 payments over 8 months, the company has reported to the credit bureaus ( 1 ) that I have been at least 30 days late on my payment, and ( 2 ) created an image of a less than stellar payment history. I acknowledge on six instances, one or more payments were reversed ; however, 50 % of those reversals were borne from Lending Club not honoring my request to stop its ACH payments, in writing as required by its policy. This led my bank ( XXXX ) to place a block on any payments from this lender. The company has FAILED to compare the past eight months against a long and stellar payment history, which again, began after the company refused to follow its process and stopping any ACH payments. 

Additionally, I have also called the company 's attention to a plethora of erroneous notices that I have received, indicating that my monthly payment of more than {$3000.00} ( which is $ XXXX above my monthly amount ). I recently provided proof that its system was not processing payments online, although the 17 payments alone likely render any past due or payments owed, not required ; yet, the company continues its troubling practices. 

Finally, it is unclear to me, due to the litany of billing, processing, and payment errors ; this company has committed, how much I owe this company. Despite receiving thousands in payments this year, the balance appears to decrease, incidentally. Furthermore, the company 's slow processing/handling of non-Lending Club institutions ' payments is very disturbing. When processed via the company 's website, payments are processed within 48 hours ; however, when payments are processed via external institutions, payments have taken up to seven days, which exposes consumers to considerable and avoidable financial risks, particularly given this company 's billing errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX REMOVE THIS NOTICE FROM MY CREDIT REPORT. I DONT HAVE A TRANSPORTATION SERBVICE THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/XXXX I received a letter from National Credit Systems , Inc indicating that I owed them {$9100.00} and that the original creditor was XXXX XXXX XXXX XXXX. Therefore on XX/XX/XXXX I mailed a validation letter requesting information regarding the account. I lived at the XXXX XXXX XXXX and when my lease expired I moved. I left the apartment clean also. The owner is taking advantage of me and my family. I believe that they are taking advantage of me because of my limited English and country of origin. I am requesting that they provide proof of the debt that they claim I owe them. This account is impacting my ability to find a safe place for my family and impacting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Title 31u.s.c.sec,3123 all XXXX are INITED STATES obligations.. 
XXXX THER IS NO RESON I SHOULD BE LATE OR MISSED PAYMENTS THERE IS NO REASON THERE SHOULD BE ANY COMPANY THAT IS REPORTING MY PERSONAL INFORMATION OR SHEARING MY INFORMATION OR SALING IT FOR ANY REASON I WANT EVERYTHING ON MY REPORT TO BE REMOVED AS IT IS NOT LAWFUL FOR ANY OF IT TO BE THERE I WILL BE FILING CHARGES ON ANYTHING THAT ISNT REMOVED..I WANT TO FILE FOR IDENTITY THEFT AND THIS SITE SUCKS FOR DOING SO AND I ASK THAT IT BE FIXED IMMEDIATELY SOMEONE HAS MY INFO AND I WANT TO LOCK MY SS # ASAP
Product: Vehicle loan or lease

Ive made a {$3000.00} down payment with XXXX XXXX XXXX with westlake financial services. I was sold a lemon. I got the truck checked out because the motor was knocking. Comes to find out the motor was bad plus more I returned the vehicle to the dealer and theyre refusing to give me my money back westlake say the only thing they could do is remove it off my credit report ( as they said ) I want my money I put down on that vehicle and removed off my credit report. They are bad for business and have so many bad reviews, I wish I wouldve been done my research before even purchasing the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ARE IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Debt collection

This debt collector has done unjustifiable practices of the FDCPA which it prohibits.

They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately
Product: Credit reporting or other personal consumer reports

inquiries were unauthorized according to the XXXX XXXX. XXXX, Approved XX/XX/XXXX ( XXXX XXXX. XXXX ) under the Consumer Credit Protection Act Section 604 XXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX none of these transactions should have been reported on my consumer report , all companies refuse to apply and this has been a major violation of the Privacy Act of 1974. 

XXXX XXXX received a secured payment and reported it as paid repossession.
Product: Checking or savings account

I deposit a 3rd party for my niece and brought her up to bank numberous of time like I was told to do with her if check on XX/XX/XXXX, its XX/XX/XXXX almost a month later and still Im Getting a run around and wrong answers they sent me a letter this morning saying I can receive my funds AND ALL OF SUDDEN THEY LOST THE MONEY AND CANT FIND AND DOESNT KNOW WHERE THE MONEY IS. Citibank is so discriminative. Ive been back and forth to the bank 6-7 times already after they so closed my account for a security issue Ive made numerous complaints about this company to numerous of breaus because this bank isnt working with me all
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : This account was Paid. The payment status is wrong. 

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

the late on my XXXX account is inaccurate i have tried to called the creditor and they sent me a letter hence attached for which they approved of being inaccurate and removed from bureaus. 
but the bureau are not cooperating to have this removed please help me to remove thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My synchrony home account ending in XXXX was closed on XX/XX/ bringing my credit score down. My account was current and I did not have a payment scheduled until next month ( XX/XX/2023 ). On XX/XX/XXXX I had a payment scheduled to be taken out of my bank account for XXXX which is over the monthly minimum payment. Due to a clerical error on my part, my payment was rejected. I immediately contacted the customer service department through chat support on their official website to notify them that the payment would not clear and I also rescheduled the payment to be resubmitted for the same day. I also asked the agent if the account would be closed and if she could help me to prevent any additional fees on the account she reassured me that everything would be fine and she would note all of this information and if and when the return payment fee was posted to contact customer service then and the chat was ended. Today I received a notification that my account has been closed and it is very upsetting. I was lied to and no one within the company seems to care about my credit score being impacted or the misinformation provided by one of their agents. I doubt that anyone even reviewed the notes on my account verifying all of the information above. I have spoken to 2 managers and around 4 customer service reps throughout the day and I have gotten nowhere. I hope this will help them to see the error in their ways. This is unethical and unprofessional
Product: Student loan

Climb loan is the service the name of the school is XXXX I had applied initially to get schooling for medical coding. To cancel my loan or pay for the amount of the classes I only took. I didnt complete the full program because of personal, financial Covid reasons. I signed up for the program in XXXX the program officially started in XXXX the fine print didnt list I would owe the full program amount nor could I cancel because of issues with the amount of the loan I requested the program was XXXX I requested XXXX expecting to get the help to pay for rent and supplies I was expecting to get help with paying for rent with my loan that was why I choose the school. I felt misled because this is what they advertised when I applied. no where in the description does XXXX state nor climb credit they dont help out with rent or other programs if your in a low budget program. I reached out for help multiple times to see when the rent help credit would kick in. My account was not technically fixed not until XX/XX/2024 they hit me with 2 late fees I never graduated from the program neither took any test. Honestly delete my loan or give me the funds I requested from the loan if I have to pay back XXXX just because of interest and youll error.
Product: Debt collection

I entered into a payment plan with the Hospital and was told that they did not have enough information for the billing. It was turned over to a collection agency. 
I paid the collection amount in XXXX in full. They have not corrected the credit reporting and told me they would send me documentation that they would. They still have not nor have they fixed the credit bureau reporting and actually verified the credit bureau to say they were reporting accurately. I am enclosing receipt of my payment as proof as well. They also when I call confirm on the phone I do not owe but will not report properly.
Product: Credit card or prepaid card

I was a victim of identity theft and numerous charges showed up on my Barclay 's Gap Good Rewards Mastercard and I filed a dispute with them for many transactions. The fraudulent charges were {$20000.00} and I have documentation showing that my credit limit was only XXXX XXXXXXXX. Barclay 's shouldn't have allowed anything over this $ XXXX credit limit. I never authorized an increase in my credit limit. I have contacted Barclays ' numerous times to resolve this, and they credited me one of the fraudulent amounts, but they were unable to resolve the other transactions that were identical in nature. Barclay 's never explained why my balance was allowed to extend {$10000.00} over my credit limit. I faxed them a dispute letter on XX/XX/XXXX  discussing all the fraudulent transactions along with information showing the identity theft. I have reached out countless times to get an update on my dispute, but I have never gotten an answer as to why they allowed the credit limit to be exceeded so significantly. 

My hope was that Barclay 's would credit my account for all the fraudulent charges. It doesn't appear that is going to happen. I have repeatedly submitted disputes and they continue to say the charges are valid with no explanation. I don't feel like they reviewed any of my identity theft documentation. I filed a police report for my identity theft because many charges were made on different cards and other cards were opened in my name that I did not authorize. Barclay 's is the only company that has not resolved fraudulent charges on my account.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX **** XXXX {$0.00}
Product: Credit card

I called WellsFargo last month and reported that my credit card was lost and they asked me all the transactions that were unauthorized so I told them everything and told me it will take up to 7 days for them to fix the problem which it did. They credited back those unauthorized charges, but not all of them. However, just today they brought those unauthorized charges back on my account when theyre not even made by me. I only spent {$1400.00} with it and I paid {$400.00} recently which leaves me with {$1000.00} in total. When I checked my bank account today, my balance went up to {$3900.00}.
Product: Credit reporting

Hi Equifax and CFPB On several Occasions asked for my phone number to be updated and any old numbers to be removed, I all most lost my XXXX phone because they could not go forward due to my phone number not being correct on my Credit fraud Alert. Please remove all old numbers and add My Current Number XXXX This is the number to be listed. Please again remove the Old one you have listed in the Alerts. 
Thank you.
Product: Checking or savings account

My company was sent a check but was received by an unknown person and deposited in his/her account. The check was correctly written to my office 's name ( XXXX XXXX XXXX XXXX XXXX ), was addressed correctly, but somehow ended up in somebody else 's hands. It appears to have been deposited by photo image, and not directly through a cashier. The check has an illegible endorsement and an account number which are not mine 's. 
The receiving bank has informed me that I do not have the authorization to request the withdrawal of the money from the account it was deposited ( Banco Popular de Puerto Rico -R/T : XXXX ; Acc. # XXXX ) The paying company ( XXXX XXXX ) has informed me that since they paid the check to the correct entity and mailed it to the correct address, they are not responsible for what happened to the check. Banco Popular de PR told me that only the payor, through its bank ( XXXX Bank ) can request the return of the money. 
The local Office of the Commissioner of Financial Institutions has also informed me that they do not handle this type of situation. It was they who referred me to you. 
I would like you to help me get the money from the person that fraudulently deposited it. 
I am not a customer of neither Banco Popular de PUerto Rico nor of XXXX Bank. My office 's account is in a local Cooperative.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just received my credit report, To my Surprice, you are reporting this account incorrectly. This collection account is not only reporting as UNPAID, but also shows a past due balance of {$150.00}. According to the FCRA, I have the right to an accurate credit report .Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Debt collection

I am in the process of paying this debt collector the amount owed, and I am using the online payment system to minimize communication with them. Their website ( XXXX ) allows you to make payments, no matter what date you choose to make your payment it will be drawn on the day you go to the website and make payment. For example, last month I scheduled the payment for XXXX/XXXX/2016 and I processed the information for the payment on XXXX/XXXX/2016, the payment was drawn out of my bank account on XXXX/XXXX/2016. I have the printout of the information that I submitted for the payment and it clearly indicates XXXX/XXXX/2016 for the payment date. This is deemed as a deceptive and false payment practice of Northstar Location Services and should be investigated, ASAP.
Product: Credit card

Hello, I'm reaching out because I recently applied for one of your credit cards and ran into an error that you ( almost deliberately ) caused. The preapproval page for the credit card said I could mention someone elses income if they are paying for my expenses, but thats all it mentioned. You then tell me after the hard inquiry already happened that ill need the person paying my bills to provide a letter to you that is notarized as well. Not only did you fail to mention that when its actually needed ( I wouldnt have even applied if I had known ) and what you did was likely illegal as well because it directly affected my credit score due to you basically lying to me, but Im not paying probably $ XXXX for something that you failed to mention. There's a lot more I could mention here, especially since what you just did was highly illegal, but ill gloss over a lot and leave it at this. Im going to include my bank statements below to verify that Im depositing money that a family member is giving me when I need it, but if thats not good enough for you to approve, then fix the XXXX points you illegally made my credit score drop, and that last line isnt up for debate either.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX Inquired on FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} SXXXX XXXX account. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1100.00} XXXX XXXX account. {$11.00} XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1400.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$390.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$650.00} XXXX Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$440.00} XXXX Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$1100.00} written FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Checking or savings account

On XX/XX/23 at XXXX I received an email that a Citizens Access, Checking account was opened in my name at the Citizens Bank XXXX This account was opened without my knowledge and consent. An initial deposit of {$1.00} was made from account ending XXXX. After calling Citizens Bank, I was told that the account address is in Florida. I do not live in Florida. Citizens Bank has agreed to immediately close the account and report to the credit bureau.