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

In XXXX XXXX I selected to setup Autopay for minimum payment. XXXX XXXX  system configurations disregarded my selection and replaced it with pay statement balance. In XX/XX/2022, the electronic payment was executed, and funds were taken from my account. Not only were funds deducted from my bank account, derogatory information was reported to all three credit bureaus. 

I contacted XXXX to correct the error. XXXX processes would not correct the matter immediately ; therefore, I requested a stop payment against the electronic payment. Later, XXXX sent a check which made things more complicated. After this transaction, statements showed my balance to be {$11000.00}. In addition, credit reports reflected that I exceeded my credit limit of $ XXXX, which resulted in my credit score dropping drastically. 

Still today, they are reporting the incorrect high credit balance on all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$20000.00}.
Product: Debt collection

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) XXXX  XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

SENTRY RECOVERY AND COLLECTION XXXX. 

I recently received a copy of my credit report and found that this company is illegally reporting inaccurate information about me. The following alleged accounts is listed as a collection with a PAST DUE balance. This information is incorrect or fraudulent.
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC, a debt collection agency has unlawfully reported derogatory information {$1400.00} on my credit report without my consent or proper authorization. Specifically, I have not signed any application or contract with this agency, nor have I provided them with a valid copy of my drivers license or any other form of identification that would allow them to legally report this information. The agency has failed to provide a copy of any wet signature contract or application demonstrating my consent, which raises concerns about the legitimacy of their actions. I also have not given this agency the authority to access or report any information related to me under the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing, and I respectfully request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report immediately. Thank you for your attention to this serious issue. I look forward to your prompt assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled this service, and received an email confirmation that it would be canceled. On XX/XX/2023
Product: Debt collection

XX/XX/2020 at XXXX XXXX MST, XXXX XXXX XXXX ( called several times ) somehow got my number searching for XXXX XXXX ; I told them I haven't seen him for 15 years and he is the son of my ex wife ... we divorced 15 years ago. The agent accused me of lying and I asked them how they even got my number and refused to tell me.

I am being harassed and there us no way they got my phone number legitimately since my current wife and I got this number 13 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry appears on my XXXX  report from XXXX XXXX. This is unauthorized. I filed a dispute with XXXX  and they provided me with a contact phone number of XXXX which rings to Colony Brands. I do not do any business with XXXX XXXX or Colony Brands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I type a letter to Wells Fargo Card Services back in XX/XX/2017 that I did not open this credit card and to remove this item from my credit report.
Product: Credit card or prepaid card

Transaction ID XXXX was denied even though I let PayPal Dispute know that the item was never received, a bogus label was recreated, and I let the company know days before shipping that the Array would not fit my XXXX  XXXX XXXX. I emailed the company several times, but my emails were ignored. This company did not let me know the order was coming directly from XXXX. I do not want any items, products, mail directly from XXXX in my home at this time. 
PayPal did not notify me of this case being closed in the favor of the seller. 

Invoice ID XXXX PayPal Dispute is closed and can not be reached by phone or via email. The dispute was closed on XX/XX/2020 and no one notified me via email of this decision in the favor of the seller.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).
Product: Student loan

I ca n't afford my $ XXXX month payment on my private loan on top of my $ XXXX payment on my federal loan. I have repayment plans with my federal loans but sallie Mae will not extend my loan terms or anything to help me out and my private loans are killing me.
Product: Credit card

I have had a credit card with Target since XXXX I have been late XXXX time since XXXX which was XXXX XXXX. I called on XXXX to say I would be late and that I would make my payment on XXXX because my credit is very valuable to me. 

I called to make my payment on XXXX ( The payment was due XXXX ) and to ask that the late fee be removed as a courtesy since I 've had an account since XXXX and had never been late. 
I found out that yes, they would remove the late fee but I have been over my credit limit by over {$1000.00} since XXXX XXXX and they have been reporting that to the credit bureau. I asked how I could I be over my limit and still be able to use the card? I was informed that the company allows good customers to go over the limit!! I told them I had NEVER heard of such a practice and I am furious that I was allowed to go over and was being reported. I was under the impression that I received a credit line increase in order for me to use my card. Had I known that I was over my limit and being reported I would not have gone over my limit. Again, I 've been a member in excellent standing since XXXX and did not think anything like this was possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX Balance : {$33000.00}.
Product: Credit reporting

There are XXXX different amounts from some medical XXXX thing from XXXX. I have no idea what the {$400.00} & {$800.00} are for. I have medical insuranc and I have never received a bill or anything. I think that these XXXX items that are in collections are not mine but someone else 's and somehow they were incorrectly placed on my credit report. I have medicaid as insurance and I have been on medicaid continually since XXXX, so I know that I would not have those anesthesia charges because all of the medical things that I have to deal with are covered by my insurance. I am only responsible for a {$3.00} copay. I am thinking that it is possible someone may have used my identity and that is what these are from. This is the first time hearing about these items that are on my credit report, should n't I have known about this like 5 years ago which is what the date is on the report. Now the one in collections from XXXX I know is correct. However I did sent XXXX a check last month paying off a bill. But I am not sure if it was the one that is in my credit report or if it was a recent bill. I am not disputing the report from XXXX, only the other XXXX. Thank you. My number is XXXX. My email is XXXXXXXXXXXX and my address is XXXX XXXX XXXX XXXX, NC XXXX if someone could contact me about this.
Product: Credit card or prepaid card

I purchased a vanilla gift card at XXXX on XX/XX/2023. The card was supposed to be worth {$75.00}, my total at XXXX was {$79.00}. I haven't been able to use the card at all. I called support immediately and filed a report, sent pictures of my receipt, and driver 's license, and I've called the number on the back of my card XXXX times a week since the case was opened in XXXX and they will not respond. I have a case number I will provide upon request. Lately, when I call customer service, they tell me they have my documentation and they will " escalate '' my file and to call back in XXXX business hours... Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by XXXX XXXX XXXX and Carmax auto Fianance. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX services and Carmax auto Fianance is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX services and Carmax auto Fianance attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX and Carmax auto Fianance has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Product: Student loan

In XXXX of 2024 a check for my entire student loan, {$16.00}, XXXX was mailed to Mohela by XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX has records Mohela processed/cashed my check on XX/XX/year>. When I called Mohela on XX/XX/XXXX and XX/XX/XXXX, Mohela had no records of my check, I could not talk to a supervisor and on each date, I made request for the missing check to be researched and found, as I was advised by the fraud department at XXXX XXXXXXXX XXXX. Each day I look at my Mohela account, a different amount is posted, sometimes it has my loans at XXXX, sometimes it says I am behind on payments, sometimes the interest continues to compound. I never understand how Mohela manages my loan. I have had problems with this servicer the entire time they have handled my loan. The paper statements from this servicer are incomprehensible. As of XX/XX/XXXX, the check for the entirety of my student loan, which has been processed/cashed by Mohela, is still not posted to my account and no one I call at Mohela knows where it is. I have also contacted the Attorney General, XXXX XXXX 's office and the Department of Education 's Ombudsman 's office. Thank you.
Product: Credit card

My husband XXXX XXXX is the primary card holder but I accidently made a payment of {$10.00}, XXXX on XX/XX/year>. On the app on my phone I selected the full credit card payment instead of the minimum balance which I had intended. When I saw the amount pending on my bank account I called my bank - XXXX. They said that since I was so overdrawn, they would not process the amount. Then on XX/XX/year> I see in my account that I was charged the same amount again. I called CITI bank who said that they will keep trying to collect the money up to 4 times. I was told by them that there is no way they can stop the payment. This is outrageous. IN the meantime, I am being charged overdraft fees and I am unable to access the money that I have in my account until the pending charge gets reversed, They are saying that this will happen again on XX/XX/year>. I asked to speak to a manager and I was told that there was nothing anyone could do. I insisted to speak to a manager and was out on hold for 20 minutes and then the phone line was disconnected on their end.
Product: Debt collection

I received a debt settlement in the mail regarding a bank credit card i do not own. I did respond by calling the phone number on the debt paper i received but no person answered the phone but the voicemail did come on but it was full and could not receive and anymore calls and i got disconnected from the collector by their end. I feel uncomfortable paying a settlement i do not know about.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep reporting me late for XXXX of 2016. Account is paid in full and closed. I was never late. This lowered my score and I'm unable to get employment because I have poor credit. 
They need to provide me with proof for that year and month that was late supposedly and they need to remove lateness so I can get a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information was added to my credit report falsely. I want to have it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a lease account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Ford Motor CR located in XXXX, NE. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Ford Motor CR has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a line of credit 3 years ago, and it was charged off, the company harasses me, through email, letter sent to my home, I got a court letter the other day for some type of judgment when the account has been charged off. I cant afford to pay the debt, Im a XXXX XXXX these people dont stop they been harassing and emailing me for a couple of months.
Product: Prepaid card

I received an Amex Gift card for XXXX. I have this card loaded in my XXXX account an tried to purchase chairs for {$310.00} on XX/XX/24. This payment was declined despite my balance being {$500.00} on the Amex Gift card, which I verified through their website. XXXX in turn charged my credit card that was a backup on file. Now I have to pay that balance out of my my pocket because this gift card didn't work!
Product: Payday loan, title loan, or personal loan

I got a loan with World Finance Corporation,  XXXX   XXXX ,  XXXX , KY  XXXX ,  XXXX  last Fall (   XXXX    ). I  am recently divorced, had loss of income, single mom, etc. I took out loan to help with moving costs. Because of all the debt I had, I talked with and retained an attorney, discussing the possibility of bankruptcy. I decided against that ... felt like I owed the creditors and want to pay what I can instead of walking away. I am a client of   XXXX   XXXX   ( debt relief ). I have already settled  XXXX  accounts and having no problem with creditors other than World Finance Corporation. They have been contacting my family, friends and acquaintances leaving messages looking for me. I have NO OTHER person on my account with them, no co-signer, but yet they continue calling. I have blocked their number, but my family and friends are getting upset with the voicemails. I called the  XXXX  office this morning at  XXXX   XXXX . & told them that  XXXX  is in negotiations with their company and to please quit contacting everyone I know. It is making it harder to get this settled and borderline harassment. The lady I spoke with there said if I do n't take care of this within the next month, they will garnish my wages, i.e. This is the ONLY creditor that is calling me. Once I obtained the services of  XXXX , phone calls stopped by other creditors. As I stated previously, I have already settled  XXXX  accounts. I just wa nt World Finance Corp.,   XXXX  to STOP calling everyone I know.
Product: Vehicle loan or lease

I have spoken to a representative XXXX id # : XXXX on XX/XX/20 in regards to my vehicle acct # : XXXX. I have explained to the representative XXXX my acct shows a past due balance of {$440.00} for XX/XX/2020 and next due for XX/XX/2020 of {$440.00}, however I have made both payments on XX/XX/20 and XX/XX/2020 of {$220.00}. Per the representative she was very helpful and understanding. She was able to notify customer service and explain payment for XXXX was made. Per the representative XXXX she did have another representative to submit a request for a payemtn reallocation for the month of XXXX. I was given a case # XXXX for the payment reallocation. I have called several times about this issue and on the online site still shows I owe for XXXX. I have spoken to two supervisors in customer service and was advised they were sending a follow up for this issue. I would like my account to be handled appropriately and to be updated as soon as possible. I don't think that it is fair for a customer, because I am getting late fees and my account is reflecting as 30 days behind.