23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I got a new auto loan with American Credit Acceptance XXXX XXXX XXXX XXXX XXXX TX XXXX, just over a year ago. I pay more than my scheduled payment every month with a note to post the overage to principle. I then follow up with a phone call to request this be done. Every month when my new statement comes in the payment has not been posted correctly and they have applied the overage to their interest!! I have to call them a second time to be told that I need to call in to have the overage applied to principle.. WHAT?! I go through this every single month. I am trying to pay it off so that I can rid myself of these idiots, but when they do n't put the extra to principle my pay off does n't go down correctly. I feel like they are double dipping and getting way more than they should! Can someone please help me?!
Product: Credit card or prepaid card

I have had issues with this company since the card was opened. When I submitted my payment the first time back in XX/XX/XXXX, the company held my payment and then stated that the information for my account was incorrect and came back as insufficient funds and they charged me a fee for the transaction. I submitted the payment again and the same thing happened. I called the company and gave them the same bank information that Id been using and they didnt have any issues processing the payment. I attempted to submit a payment again in XX/XX/XXXX and the same thing occurred. They said that the account information was incorrect and that it came back as insufficient funds and I was charged a late fee. Called the company again and didnt have any issues processing the payment with the same information I was using online. I pulled my credit report to see how things were reporting with this account and saw that they had closed the account. I called to inquire why my account had been closed and was told that it was because of my payments being returned. I was told that after 3 successful payment submissions that the account would be reopened. I called to submit my payment in XX/XX/XXXX and was told by a customer representative to submit it online. The same issue happened. I ended up having to call back. Same thing occurred for XX/XX/XXXXand ended up submitting two payments through a representative. I was informed that because I submitted two payments for both XX/XX/XXXX and XX/XX/XXXX, that my next payment wasnt due until XX/XX/XXXX. I submitted a payment at the beginning of XXXX online. I woke up today to see that the closed account is reading 30 days past due. I am furious about this as this has dropped my score significantly and I am currently in the process of buying a home and will not qualify now. I was specifically told by a customer representative that the next payment was due in XX/XX/XXXX so my credit report should not read 30 days past due. I am prepared to pursue legal action with this company if this situation is not rectified.
Product: Checking or savings account

XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX I went to the bank after probate court with my official documents and was told XXXX the account had already been closed.
Product: Mortgage

I am trying to get my PMI cancelled including appreciation. The mortgage company has repeatedly sent me the same e-mail with information that tells me my house needs to appraise at a value that would bring me to a 70 % LTV ratio, but the document clearly says that I only need to get to 75 % LTV. I have contacted them via e-mail 5 times, called and a manager who confirmed that the appraisal value should be lower. I asked the manager to send that to me in writing, but he did n't. When I followed up to talk to the manager, the company informed me that they would be sending me the same information that they already sent with the higher appraisal value. The company is providing incorrect written information which could be used to deny PMI cancellation in the future even when criteria have been met to cancel it.
Product: Credit card

I was working with a mortgage broker to qualify for a home mortgage. Surprisingly, my credit score was just average- but it should be nearly perfect. To my knowledge, I have never missed a credit card payment, a rent payment or a bill payment. My student loans are paid off. The mortgage broker ran a credit report, and we learned that in 2017 somebody fraudulently took out a Khols Capital One Credit Card in my name with a {$300.00} limit. The thief maxed it out immediately and a payment was never made. For 5 straight years, without my knowledge this fraud has negatively impact my credit score. This situation needs to be resolved. I am hardworking person who tries to do the right thing and supports my wife and future child. This credit situation needs to be resolved.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX is XXXX year date when the New State Statute that antedates of a paid account can not reported on my credit report. All XXXX XXXX personal confirmed that they can not continue to report a paid charge beyond the first date of delinquency that was XXXX XXXX to XX/XX/XXXX XXXX year anniversary. I paid the full balance that resulted in a XXXX balance in accordance to New York State section 380 New York State law ( 380 j ( f ) ( 1 ) ( iv ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Fair Credit Reporting Act380-J - Prohibited Information. ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX that was sold to a collections agency portfolio recovery. It was being reported as delinquent and negative on all my credit reports so I called the XXXX XXXX XXXX to get the contact number for the collection agency so that I could pay the debt off and clean up my credit. Upon speaking to a rep with I agreed to pay the debt only if the account be completely removed from my credit report. They assured me that once I paid the debt it would be removed from my credit within 30 days after the debt was paid. On XX/XX/2020 I made my final payment on XX/XX/2020 I got a notification from my credit bureau apps that I had a negative/ delinquent reporting account. The account was from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I called them and told them that I had paid the debt with portfolio recovery and that the debt and all account information should be deleted from all of my credit reports. I spoke to a XXXX and she told me that since portfolio acquired the debt I had to contact them to get the account deleted. After I got off the call with her I called XXXX, XXXX, and XXXX  just too find out who was reporting the debt and both companies have not removed the debt and still reporting delinquent/ negative marks on my report. Ive been getting the run around from both companies. I just want this account deleted from my credit reports since I paid the debt off and they told me that it would be deleted after I made the payment.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the file a complaint on XXXX XXXX XXXX  because I didnt authorize this credit card on my account and they already used {$580.00} dollars.
Product: Bank account or service

GE Capital Bank saving account. A number of false statements have been made by the bank officials in relation to the account, affecting my financial transactions. After I contacted the bank officials, threats have been made as well. Please fully investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX  ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX : {$1200.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX AZ XXXX ) XXXX XXXX XXXX {$5500.00} XXXX Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX : {$650.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SINCE IT IS AGAINST THE FCRA 604 PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( 15 USC 1681B ) FOR AN ENTITY TO VIEW A CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE, I AM DEMANDING FOR XXXX, EQUIFAX, AND XXXX TO REMOVE THESE LISTED INQUIRES BECAUSE I DID NOT APPLY FOR CREDIT. THESE FRAUDULENT INQUIRIES WERE OBTAINED UNDER FALSE PRETENSES WHICH VIOLATE 15 USC 1681N ( A ) ( 1 ) ( B ). INQUIRIES : XXXX XXXX XXXX ( FINANCE ) XX/XX/2021 XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX FINANCE  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$22000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXXXX XXXX PA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized I identity theft Late Payment Account Dear, Transunion, Experian , Equifax I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several open accountsthat I did not authorize, and these are negatively impacting my credit score.

The unauthorized Identity theft late payment accountare as follows : Please Remove Fraudulent Account immediately : XXXX XXXX XXXX credit card Account number : XXXX Date reported XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

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

I have five hard inquiries that I would like removed from my report that still seems to appear on my credit report that inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Jpmcb card, XX/XX/XXXX Jpmcb card, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Also I have misspelling in my name in my personal information settings, and misspelling in my address also along with additional wording on to my name or address areas of the information provided for me that are incorrect. 
Also I had a card that recently closed that I am unaware of why it closed, XXXX XXXX card which impact my credit report as well as far as my credit age. 

Also it seems to me that most institutions such as XXXX XXXX and XXXX XXXX  have late updates as far as payment history and other reported updates and I've been having problems with my XXXX XXXXXXXX cards not being up to date with the payments as well so the reports are being updated pretty much late.
Product: Credit reporting, credit repair services, or other personal consumer reports

The public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, XXXX, XXXX ), they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below : XXXX  XXXX bankruptcy discharged XXXX XXXX XXXX XXXX XXXX XXXX Date filed : XX/XX/2014 Identification number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a withdrawal from my bank account from Experian for {$26.00}. I have never signed up for any paid service. Ive tried contacting them but cant get a live representative on the phone.
Product: Debt collection

My son answered my doorbell and was handed a statement of claim that I am being sued by Portfolio Recovery Associates, LLC. I need additional information.
Product: Credit card or prepaid card

I have a cash app account and they stopped everything on it saying due to suspicious activity I didn't have any suspicious activity on the card I have tried over and over again to get it resolved and nothing has happened please help
Product: Credit reporting or other personal consumer reports

I have disputed the following accounts 3 times with not response from the bureaus. Please assist in the investigation. 

XXXX XXXX XXXXXXXX : Validation has not been provided for this collection. XXXX reports it as 120 days late with 4 late payments. Transunion reports the collection as open. Please delete immediately. 

XXXX XXXX XXXX XXXXXXXX : No validation has been provided for thhis account. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX : I have not recieved a dunning letter from this company. I have not been provided validation when requested. Validate this account or delete immediately. 

XXXX - XXXX : No late payments are reported for XXXX and Transunion. XXXX reports undocumented late payments. XXXX ha a XXXX high balance. XXXX has a XXXX limit. There are different dates of last activity and last payment. Please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and suedXXXX XXXX XXXX XXXX XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts
Product: Credit reporting 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 XXXXXXXX Has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 a consumer reporting agency can not furnish an 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 7 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 card or prepaid card

Synchrony Bank decided to decrease my credit limit on my Amazon Store card which was opened in XXXX of XXXX, from {$500.00} to {$150.00}. I am not sure of the exact date that this happened as I did not receive any notification of this. 

On XX/XX/XXXX, I checked my XXXX XXXX and noticed that it had decreased by 29 points. Upon further investigation, it seemed that this happened because my credit limit on my XXXX XXXX card had decreased. 

When I contacted the company, they informed me that they do a credit check every 90 days and because my credit score had gone down XXXX slightly ), they decreased my limit. Even though I have always made my payments to them. My score had gone down slightly due to the fact that I was shopping for a mortgage. 

Now I am worried that they will check again in 90 days and see my score has gone down even more ( because of them ) and decrease my limit once again which will in turn decreased my credit score again. 

When I asked them to increase my limit back to {$500.00}, they would not. They informed me that there would be another check in 90 days. My score is not going to go back up over 30 points in the next 90 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax took off the information from the previous report with the consumer finance protection and than they put the information back on their. 

XXXX still has my name spell wrong. 

Both I would like to press statutory charges on. Each XXXX Who is XXXX XXXX XXXX I sent in a copy of my i.d . and 2 different froms of proof of address /.

Sue all 3 fro still having incorrect information =XXXX
Product: Money transfer, virtual currency, or money service

Chase bank provided a string of fraudulent withdrawals from my Chase Checking account using XXXX, to an unknown user, to {$6700.00} Repeatedly withdrawing {$150.00} at a time continuously, one after another until the account was cleaned out. I was on the phone with Chase while it was happening and they did nothing but apologize until it was depleted. 
I launched multiple investigations into the fraud, and they eventually replied back that there was nothing I could do.
Product: Checking or savings account

XX/XX/2023 XXXX I reported the fraudulent charges first to the merchant. They verified that this was not my account but refused to resolve the matter. Then I reached out to their arbitration team and they did not respond to my message. Then I contacted my bank, Chime, to dispute the charges. They denied my request for a refund twice. So now I am escalating the issue.
Product: Debt collection

I've sent a letter to the company asking to validate this debt. I've never received a correspondence in regards to this debt. I'm unaware of this debt. If you feel this is my debt I've never was given proper notification regarding this debt and or the opportunity to dispute this debt. if you feel like this debt belongs to me please send me a certified copy of the proper notification, proper receipt with my name and signature on it.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX  XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Hello, My name is XXXX XXXX. On XX/XX/23 I inquired about a loan with Maxlend. They requested that I send my recent bank statements to see if I could get approved for a loan. A few hours later I received an email that my loan had been approved with a document that claimed that I had signed it. The only " signature '' was a check box then my name in the text underneath. However, I did not see this application until I was approved for the loan. I did not speak to anyone who said I had been approved nor did I fill out this form in any way. Roughly 20 minutes afterward they sent another e-mail saying the funds were on the way. I did not read these e-mails until a month and a half later. All information about the interest and principle was after the check box that claimed I had signed them.