23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a co-signer on an auto-loan that is through PNC bank. If the loan is one day late they will start calling and harassing for payment. The loan is not even 15 days late this month and they have called 3 times this month before XXXX XXXX. They called today and the payment is processing in their system. I live on the west coast and the individual responsible for paying lives on the east. They have called me Saturday XX/XX/XXXX at XXXX XXXX, Tuesday XX/XX/XXXX at XXXX XXXX, and Friday XX/XX/XXXX at XXXX XXXX. Numerous times I have told them I live on the west coast and gave them my address. We have even had them change the primary contact to the individual who makes the payments in Florida and it never sticks in there system.
Product: Credit card

I recently setup an automatic payment on my American Express credit card to pay the statement balance on the due date. Previously I had been paying this account using the mobile app. With the payment due date approaching I logged in to my mobile app and made a payment for the statement balance. There was no indication that an auto payment was already established and the credit card company accepted my duplicate payment. I was made aware of the duplicate payment when it was debited from my bank account twice on the day after the due date causing my bank account to overdraft. Luckily I was able to cover the overdraft while the payment was still pnding. I called to get the duplicate payment reversed and they said they would have to send me a check in the mail that would arrive in 7-10 business days.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my FICO consumer credit report and noticed it was several inaccurate and incomplete accounts. According to the FCRA it's illegal to report inaccurate and incomplete items. By law you are obligated to investigate these inaccurate accounts. 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 of inaccurate or incomplete. 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. Please remove these accounts immediately! Thanks! 

XXXXXXXX XXXX XXXX - ( account number ) - XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report for XXXX due to { inaccurate information furnished on XXXX } and I have reason to believe the following item of information to be inaccurate : Comenity Bank/Kay Jewelers : Last Payment Made on XX/XX/2021 but the Payment History Shows that the account was ( OK ) up into XX/XX/2021, and XX/XX/2021 so how could the Last Payment Made be for XX/XX/2021 this is inaccurate. Also, in the Payment History portion there is no data reporting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/2021 for the ( scheduled payment ), the ( Amount Paid ), the ( Past Due ), and the ( Balance ) From the payment history except on XX/XX/2021 where they provided data for XXXX month out of XXXX. I am confused as to what is reporting XXXX XXXX percent accurate if data is not furnished accurately and complete. If we look further into the Payment History portion the first late payment allegedly started XX/XX/2021 for 30 days, XX/XX/2021 for 60 days, XX/XX/2021 for 90 days, XX/XX/2021 for 120 days, XX/XX/2021 for 120 days, XX/XX/2021 for 120 days and XX/XX/2021 Charged Off. There is adequate amount of proof that this account has inaccurate information reporting to my consumer report. Furnishing that the payment has been late 120 days for XXXX straight months is absurd and inaccurate. Comenity Bank/ Kay Jewelers stated in their responses letter from prior dispute that " the account was Charged Off due to nonpayment on XX/XX/2021 '', but this does not make sense. Comenity Bank/ Kay Jewelers also, stated " Were reporting the account with a XXXX balance owed to us as of XX/XX/2021 '' but my consumer report shows the account was Charged Off with a {$0.00} Balance, {$0.00} Past Due, and a {$0.00} Amount Paid around XX/XX/2021 not XX/XX/2021 there are too many discrepancies, inaccuracies, and incompleteness furnished on my consumer report that has caused harm to my reputation from both the Credit Reporting Agency and Comenity Bank/ Kay Jewelers . It is in fact true the following account on my consumer report is reporting inaccurately and is in fact incomplete. I know that all the inaccurate information mentioned above is reporting inaccurately so please delete account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Prosper Market Place Inc Account # XXXX has violated my rights to privacy. 

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't furnish an account without my written instruction.

I sent the company a request for a 1099-C for a debt they charge-off as lost income meaning by law i can claim as income for me and file such income on my taxes. I never received a responds from them now I'm escalating the matter to a complaint.
Product: Credit reporting

On XX/XX/XXXX someone broke into my car and stole my personal belongings, in which included my social security card and drivers license. With this information, they were able to authorize the following companies to make credit inquiries and or open up multiple service accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX all in XXXX, GA. I did not authorize these companies to put an inquiry on my credit account and would like these inquiries removed. As far as I know, the only account that was opened was with XXXX on XX/XX/XXXX and since then has been disputed. My ultimate goal is to be able to purchase/finance a car, but in order to do this I would like to first remove all unauthorized credit report inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX  Date of inquiry : XX/XX/2021
Product: Consumer Loan

I purchased a car from XXXX, when I purchased I was under the impression that I had XXXX insurance but it turns out I did not. The sales person did not fully explain and apparently marked that we declined on the application when that was not the case. My car was totaled in a weather related accident that was not our fault approximately XXXX days after the purchase. My insurance company did not pay off my loan balance - there was about {$6600.00} left. After the accident I called Ally Financial several times to discuss options. I was told by bother customer service reps and the total loss department that I would be able to make payment arrangement after the insurance company settled the claim. I was very worried about purchasing another car because I knew I would have a remaining balance and even tried to finance a new car with them. They stated that I should just go to a dealership and get financing through them and that I could make arrangements for the remaining balance at a later date. I have now received a letter stating that I must pay the remaining balance in full or continue making the $ XXXX/month payment and I have no options to restructure the loan to make lower payments when that is not what I was told in the past. If I knew that I would have purchased a minimally priced car so that I could pay this loan off before getting another loan. I can not afford to continue making the monthly payment at {$420.00} or pay the amount in full at this time. They also initially sent me statements stating payments would be due in XX/XX/2018 so I assumed they were allowing for a delayed re payment since the car was totaled then I received a letter in the mail stating payment in full or installment was due XX/XX/XXXX
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 : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX have 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: Debt collection

On XX/XX/19 I sent a debt validation letter to Phoenix Financial Services LLC. On XXXX XXXX they sent back XXXX medical account statements with a XXXX balance further proving I don't owe them a debt. I called to tell them this and they said " oh well you owe this debt '' The documents I attach will prove that all accounts have a XXXX balance.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX- This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX XXXX- This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX- This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX- This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX- This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXXXXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX- This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to the 3 major credit bureaus ( XXXX, XXXX, and Transunion ), as well as the secondary company XXXX. I know that under the FCRA, they are to properly and thoroughly investigate any and all disputes. I have received a letter from XXXX stating that they DID NOT verify the account that I am disputing, a bankruptcy in California. This account was removed from XXXX records on XX/XX/2019. Yet, Transunion has sent me a letter marked XX/XX/2019 stating that they have verified this same account through XXXX, the same company that has removed this from my consumer record. I currently have a CFPB dispute against XXXX for the same reason. 

Transunion clearly states on their website that they use XXXX to verify public records. So if XXXX did not and could not verify this account, how did Transunion verify it if they use XXXX? 

This is a clear and present violation of my FCRA rights, and this shows that Transunion did not properly and thoroughly investigate and verify the disputed account in question.
Product: Credit card or prepaid card

I was told by XXXX XXXX that I was pre-approved for a credit card. I was then denied by that credit card company when I applied and my credit score went down. I would never have applied for the credit card had I known I was not actually pre-approved.
Product: Student loan

Case # XXXX was a prior issue that I had with XXXX. This Case was resolved because a review was completed of any and all eligible payments and my account was updated to reflect the correct number counting towards Public Service Loan Forgiveness. I was advised that number is one hundred and sixteen ( 116 ) eligible and qualifying monthly installments. I submitted a new Employer Certification Form ( ECF ) in XX/XX/XXXX and my payments XXXX  out on my online XXXX account. I made an additional payment for XX/XX/XXXX bringing my total potential eligible payments to 121. XXXX stated my eligible date of completion was XX/XX/XXXX. I submitted the Employer Certification Form and application for Public Service Loan Forgiveness as instructed by XXXX. I then received correspondence stating my application was rejected based on lack of qualifying payments. I began calling XXXX in XX/XX/XXXX about this issue. XXXX stated I lacked 5/6 qualifying payments. I reviewed my online account and it reflected 5/6 payments remaining. This was the same account that presently showed XXXX  before I sent my application in. I later checked the account again after seeking help from calling representatives with XXXX. My account now showed I had 57/63 remaining payments. I attempted to call on a weekly basis from XX/XX/XXXX to XX/XX/XXXX and was told the same thing numerous times. I was advised my account was under review and I would received an answer within 3/5 business days. I would call back after that time passed and was advised the review would take 6 months to a year. I was advised my several representatives and managers at XXXX that my payments could be seen as being paid on my account for the months of XXXX XXXX through XX/XX/XXXX. I was advised these were the payments not being county as qualifying but my Employer Certification Form was approved and my payments are electronically debited for the amount I was instructed to pay. I was advised by XXXX that it was a computer glitch and I would have to request a payment review ( which I was advised that was happening when XXXX was 1st made away in XX/XX/XXXX ) and it would potentially take a year to review the remaining 5/6 payments. I am at a standstill with XXXX and I have provided everything they need but I keep getting a runaround and I feel I am being treated unfairly because I am trying to apply for loan forgiveness. I also was advised by XXXX that my application is on file and that I would not have to re-submit a new application. I do not feel this is accurate information because I am beginning not to trust anything that XXXX recommends because of the lack of effort and misinformation that I have received. I have attached the prior complaint and recent correspondence from XXXX. The newest correspondence shows that my payments were not counted from XX/XX/XXXX through XX/XX/XXXX, these are the payments that I was informed that should quality and put my account over or at 120 qualifying payments.
Product: Credit card

On XX/XX/XXXX I got a text message from Bank of America saying that they had approved the credit request in my name and they had sent a card over to me in 14 days. I called Bank of America because I did not apply for a card with them. They said that my social security number had been used on XX/XX/XXXX to open a card with XXXX which they said was some kind of XXXX XXXX XXXX. I informed them that the credit card was not applied by me and they said they were going to cancel the card as attempted fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my date of birth was incorrect on my credit report. I sent a picture of my XXXX XXXX ID to equifax. They determined that my ID was wrong and that the " information '' they had was correct. Basically ignoring any evidence and/or simply not interested enough to even look at any evidence.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year>, ( today ) I AGAIN attempted to access my online Transunion credit report and was again denied access. I HAVE tried several times over the last few weeks to access my Transunion credit report through the official " https : //www.annualcreditreport.com '' website. 

TRANSUNION has apparently acquired INACCURATE DATA which IT USES TO VERIFY MY IDENTITY when I try to access my credit report online. 
I recognize some of it pertaining to my adult children, but NOT APPLICABLE TO ME. It also uses out of date information to verify my identification when verifying by current information. Transunion is using unreliable data from unreliable data providers to verify my identity online. It has MIXED UP MY DATA WITH MY FAMILY MEMBER 'S INFORMATION. ... ... ... ... ... ...... 

ON XX/XX/year>, I sent a REQUEST FOR MY CREDIT REPORT by XXXX. CERTIFIED MAIL to TRANSUNION. As my uploaded documentation shows, I gave Transunion my legal name, my address, my date of birth, my social security number, and included true and correct copies of my XXXX  XXXX XXXX XXXX, Social Security Card, Mortgage Statement, and Utility Bill. 
I have proven my identity. 
TRANSUNION HAS FAILED TO RESPOND TO MY CREDIT REPORT REQUEST.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and I have no clue why theyre there. I checked it like I always do, but this time there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the inquiries didnt disappear. Im beyond frustrated, and I urgently need these documents reviewed thoroughly so I never have to deal with this issue again.
Product: Credit reporting or other personal consumer reports

I appreciate the removal of some negative items from my credit report. However, several items still need to be addressed and removed. I have found that these items were opened without my permission. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), you are legally required to remove items resulting from incorrect credit reporting. I am disputing the following items, which are unfamiliar to me. I am attaching the necessary FTC Report, as required. Please remove these negative items. If you believe these items belong to me, I request all documentation that bears my signature to verify their accuracy. If you can not provide such records and claim the items are verified, I will take legal action. Please comply with the law so this matter can be resolved quickly : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$650.00} -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$140.00XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX  Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00}. Please remove these disputed items as they were opened without my consent or knowledge, in accordance with Section 605B of the FCRA.
Product: Checking or savings account

I opened an online Money Market Account with BBVA on XX/XX/19 by electronic transfer from XXXX Money Market account for {$100000.00}. I did this because the interest rate was higher. Last week @ XX/XX/19 I planned to transfer funds to my Bank and got online to make the transfer. This is when I discovered I could not transfer more than {$5000.00} in one day and not more than {$10000.00} in a month. I contacted Customer service who told me it was a banking regulation. I checked the disclosure statement for the online Money Market account and there is no disclosure for these limits. I called back and asked to speak to a supervisor. The supervisor also told me this was their limit for electronic transfers. I told her I had other Money market accounts and they had no such limits. I requested to contact a Bank Officer. They told me they would forward my  concerns to the " out of footprint office ''. I asked for a phone number and was told they could not give that out. It would be 3-5 days before someone would contact me. The closest branch office was in XXXX, XXXX ( 3 hr drive ). I called that Branch and asked to speak to a Bank Officer. I spoke to XXXX who gave me the number and name of person in the Out of Footprint office. I left 2 voice mail mail calls to XXXX XXXX who never returned my calls. I finally spoke to XXXX in the out of footprint office who I told about the lack of disclosure and what I wanted was to transfer my funds back to XXXX XXXX. His suggestion was for me to open a checking account, buy checks which will take several days to obtain. 
I just want my funds sent back to XXXX where they came from. Had I known about the electronic transfer limit ( there is no disclosure of those limits ) I would not have opened this Money Market account.
Product: Credit reporting or other personal consumer reports

XXXX I filled a dispute on this account through all XXXX Credit Bureau 's as well as with CFPB I did get a response in regards to the issue and was told to report the issue to IdentityTheft.gov so I have just completed my report with Identity Theft XXXX and I and uploading a copy of the report / XXXX.
Product: Mortgage

I paid off my coop mortgage in full in XXXX 2016. I have been waiting for my original stock certificate, note, and security agreement. According to NYS law, these documents are to be delivered to me within 45 days of payment of the mortgage. I 've called Ditech, sent letters, etc., but only get roboletters in the mail stating that it is looking into the situation. Clearly, the documents are lost. I had to pay {$600.00} to get at least a replacement.