23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I forgot to schedule my payment to come out on the due date, so I scheduled it to come out as soon as I realized the error. The payment is scheduled to post on XX/XX/XXXX. My mother told me she received 3 phone calls on the XXXX and 3 on the XXXX about the severe delinquency of my loan. I am the primary borrower and only received one call. My loan is barely 15 days past due. When I contacted Firstmark they started that they continue to make those calls even if the payment I scheduled. I asked why they felt the need to call over and over again. They said the calls are randomly generated. I asked why the primary borrower wouldnt be contacted first and he was like oh I dont know. Then he said the calls will continue until XXXX XXXX  of the day of the scheduled payment. 

This is very misleading. My mother was going to make the payment, but thankfully I let her know I already had one scheduled. This tactic seems very misleading and manipulative. If someone has a payment scheduled, they should not be calling anyone other the primary borrower, and they really shouldnt be calling anyone at all if there is a pending payment. The volume of phone calls and e-mails my mother received is borderline harassment. This company should not be allowed go call people numerous times a day when they have a payment pending!
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified several inaccuracies related to my XXXX XXXX account ( Account Number : XXXX ), including errors in the reported credit limit, last payment date, term length, late payment activity, and date of the last report. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are legally obligated to maintain accurate and complete information. These errors are in violation of this obligation, and they have the potential to misrepresent my financial standing.

Under the authority of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must ensure the maximum possible accuracy of reported information, I am writing to formally dispute the inaccuracies related to my XXXX XXXX account ( Account Number : XXXX ). The errors include incorrect reporting of the credit limit, last payment date, term length, late payment activity, and date reported.

As required by law, I am requesting that these inaccuracies be thoroughly investigated and corrected. Due to the nature of these violations, I am requesting that this account be completely removed from my credit reports across all three major bureaus within 15 days. Failure to rectify this promptly may result in further legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ).

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has me listed as XXXX XXXX XXXX XXXX XXXX XXXX  transunion let 5 XXXX inquires in 3 days call me crazy but XXXX only needs 1 XXXX XXXX  sent the application that was a business of mine i'm the ceo  never was thtere XXXX XXXX said they had me on camera but i'm sure that's a hippa violation bace on race
Product: Vehicle loan or lease

I leased a BMW XXXX 8 months ago, with a {$3000.00} down payment. On XX/XX/year> the car was involved in an accident. The car was a total loss, and the insurance company requested to pay off the amount from BMW Financials, LLC. The pay off amount was {>= $1,000,000}, Insurance sent a check to BMW Financials LLC in the amount of XXXX. After that I have received letter from BMW stating " in appreciation of your business, you are eligible to receive a Loyalty Payment Credit of up to {$4800.00} which is equal to 100 % of the amount remaining after subtracting your payoff amount from the amount of any insurance settlement resulting from this total loss " So instead of them just sending us a check with the amount that is owed, they are saying that we have loyalty credit which can be used towards buying a new BMW, which I don't want to do. Is this allowed? I just want the money in cash, not credit.
Product: Money transfer, virtual currency, or money service

I purchased a used tractor online on XXXX for {$15000.00} via wire transfer. The company I bought the tractor from was XXXX XXXX XXXX in Alabama. They had over XXXX pictures and a video listed for this ( and other tractors ). After negotiating and communicating about the tractor I agreed to purchase the tractor ( via signed contract ) and sent payment via wire transfer from my savings account. When the tractor was never delivered and I was unable to get in contact with the seller I filed a fraud claim with Wells Fargo on XX/XX/XXXX, which was the day the tractor was supposed to be delivered. On XX/XX/XXXX without any attempt to figure out what actually happened, I received a letter in the mail saying they would not reimburse me and that my claim was closed. Wells Fargo never asked any follow up information and to the best of my knowledge their only attempt at getting the money back was by asking for the wire to be recalled. When I called and asked why it was unable to be reimbursed they simply said because I authorized the transaction. I was deceived by a seller who scammed me out of {$15000.00}.
Product: Credit reporting or other personal consumer reports

XXXX has an inquiry XX/XX/2024 that is no affiliation to me. I have asked for it to be removed from my report bc I have been in a security breach. 
Thank You
Product: Credit reporting or other personal consumer reports

Experian is reporting late payments that do not and have not existed with no way for me to get it changed. 

In XX/XX/XXXX, during my divorce and legal name change, I was forced to file bankruptcy. I kept my car and continued to make the loan payments. I have made every single payment on time to this very day. The loan was not " re-affirmed '', and therefore XXXX XXXX XXXX XXXX stopped reporting my payments but the payments are still due and I pay them every month. Never late. 
In XX/XX/XXXX I filed disputes with all 3 credit bureaus and provided proof of all my payments because the credit bureaus show my auto loan payments stopping in XX/XX/XXXX. That is incorrect. 
None of them updated showing all my payments. But at least they updated the " Last Updated '' date to reflect something was happening. 
XXXX XXXX provides proof of my payments to me quarterly so I intended to update the credit bureaus quarterly as well. 
In XX/XX/XXXX I noticed my Experian credit score dropped dramatically. Upon review I saw that since I had not reported my payments to them in a few months they decided my payments must have stopped I guess. 
They were reporting I had recent late payments that I did not have, on an account that they refused to admit I have even made any payments on since XXXX XXXX on an account that they say has been closed since XX/XX/XXXX. 
Its not closed. I make payments every month. XXXX  XXXX should have to report those payments, but they don't. I self-reported my auto loan payments to the credit bureaus in an attempt to show there has been positive activity on my auto loan account, and I have basically been penalized by Experian for doing so. 
I have filed multiple disputes with Experian and each time I file a dispute my credit score immediately drops by XXXX points. 
Credit disputes with Experian : XX/XX/XXXX - Report # XXXX XX/XX/XXXX- Same XX/XX/XXXX - Report # XXXX XX/XX/XXXX - Report # XXXX XX/XX/XXXX - Report # XXXX Both XXXX and XXXX at least show that I have 100 % positive payment history. 
But Experian has decided I have phantom late payments and they say my recent payment history is 70 %. Consequently my credit score with them is about XXXX points lower than the other two bureaus. Furthermore, my scores with the other bureaus have begun to slowly fall and the only reason I can think of is that my negative score with Experian must be affecting the others. 
Unacceptable. 
This will keep me from being able to rent an apartment or get a new car loan. 
Furthermore, I have also contacted them many times and provided court proof of my legal name change that happened during my divorce three years ago and they refuse to use my legal name. They still address me by my married name which is inaccurate. 
Also, the phone number provided on their website is useless. The only thing I have been able to accomplish whilst calling that number and speaking to AI is get another credit report mailed to me. Its impossible to speak to a " specialist '. The AI only wants to know if you want a copy of your credit report and then hangs up on you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am filing this complaint to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is unauthorized credit inquiries listed below for your companies review. To my knowledge, I have not signed any documents authorizing these companies in question to view my credit report. The listed unauthorized credit inquiries was without my authorization, permission or consent and for no legitimate business purposes. Around the time these unauthorized credit inquiries was placed on my credit report I was XXXX ( XXXX  ). As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in connection with these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made these unauthorized credit inquiries so I may contact them directly if I have to. In addition, I respectfully request a copy of any documentation authorizing these credit inquiries, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized these credit inquiries, I ask that the negative items be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC & 1681j ), there should be no charge for this report. Please note that credit inquiries arent considered factual records and shouldnt be reported on a consumers credit report for up to 2 years if they are found unauthorized. Thank you! XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX ( XXXX ) XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have a roofing company and deposited a check on XX/XX/XXXX 
The bank put a hold on it. 
They told me to cal back today and they would eliminate the hold. 
So I did. 
They asked me to give them the homeowners phone number to verify the check which I gave them.

THEIR VERIFICATION SYSTEM couldnt find that number so I gave them the homeowners company and home number. 
They still couldnt find him. 
I need to pay my contractors and chase is no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In due of respect XXXX, Equifax and XXXX I like to purchase a new home in XXXX, XXXX but because of credit reporting Agencies. 
I am having some issues because of Derogatory Remarks on my credit reports. 
1.XXXX  XXXX XXXX Charge off of {$11000.00} this vehicle was returned to lender and Lender Sold it in XXXX. A Natural Disaster of Covid19 Pandemic/ Disability Financial Hardship 2.XXXX XXXX XXXX  Charge Off of {$6000.00} vehicle was returned and Lender Sold it. Natural Disaster of Covid19 Pandemic/Disability Financial Hardship 3.XXXX. Charged Off of {$6000.00}. Natural Disaster Covid 19 Pandemic /Disability Financial Hardship. 
Lender didn't want to agree on payment arrangement of {$7000.00} a month so they went ahead put account as Charged Off. 

4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 5.XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 6XXXX XXXXXXXX XXXX XXXX Balance is {$190.00} XXXXXXXX XXXX  Balance is XXXX { Derogatory Remarks of Late Payment is not accurate as I never been late on payments.I filed complaints against Company and they Retaliate against me because of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Current Balances as of XXXX and my credit utilization is under the 26 % -21 % -Percents.. 

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Veteran With Honor and Respect Always.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate. I am putting you on notice that all Late payments being furnished on my consumer report is illegal. According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( XXXX ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave XXXX written instructions to furnish any negative information on my consumer report. By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a Terrorism offense.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : Request for Method of Verification To Whom it may concern : Pursuant to 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ) this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

On XXXX, I submitted a dispute to Equifax via FAX. Pursuant to Section 611 ( a ) ( 6 ) and ( 7 ) I requested the method of verification used by Equifax to verify the XXXX XXXX XXXX XXXX XXXX account. Equifax had 15 days to comply with my request or the XXXX XXXX XXXX XXXX account must be DELETED from my consumer report. 

As of the date of this letter Equifax has failed to provide the information, therefore this is a FCRA violation and the XXXX XXXX XXXX XXXX XXXX must be DELETED from my Equifax consumer report.

Equifax is also in violation of Section 607 ( b ) and 15 U.S. Code 1681e ( b ) which state that Equifax must use reasonable procedures to ensure maximum accuracy of all information the report/ publish on a consumer report.

I have attached a copy of the FAX Receipt as proof of the date and time Equifax received the original dispute for the method of verification.

This false reporting by Equifax constitutes a violation of my rights under the Fair Credit Reporting Act 604. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this account must be DELETED from my Equifax consumer report.
Product: Debt collection

I received a letter from this company claiming that I owe them money and to my knowledge this company has never provided services to me or for me and I 've never entered into a contractual agreement to pay them for anything
Product: Checking or savings account

In XXXX an account with DirectExpress was opened to have my SSA payments deposited into. The account ( was suppose to ) have both my son 's and my name. 

Last XX/XX/XXXX, over 3 years later, DirectExpress froze the account because they couldn't find my son 's information, that is, Direct Express opened an account failing to follow The Bank Secrecy Act ( BSA ) and took them over 3 years to realize their mistake and now froze my account. 

My son has been twice to the SSA office and spent hours on the phone with no resolution to the problem.I already had to loan money in order to pay for my rent and utilities. 

We need to have Direct Express release our money immediately. It is not our fault that they made such a blatent mistake.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries were placed on my credit report from XX/XX/year>, to the present. These inquiries are not associated with any account numbers. FCRA says all inquiries must be linked to an account number. I have no account with these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I appied for a Avant credit card.It clearly states that no hard inquiry would be performed on my credit file.I check my credit report and there it was.I contacted Avant to have them remove the hard inquiry.I advised the person that I needed to speak with someone about my hard inquiry on my credit report.He asked me for my name which I gave and then my SSN number.I advised him that I would not provide it since I did not have an account with them.He then stated that he had to have it.I asked to speak with a supervisor and he said that he could not do that because I wouldn't give him my SSN.I would like the hard inquiry removed because they stated it would not be a hard inquiry and they falsely represented that and can not get it correct by them
Product: Checking or savings account

As of today, my direct deposit is not available. I have received notification from payroll that the money has been sent. Capital one is not making the funds available and is not releasing information as to when the funds will be available.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX  Account Name : XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX & XXXX XXXX XXXX  Account Name : XXXX Account Number : XXXX  XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I ordered merchandise from a website, XXXX in the amount of {$99.00}. The website only accepts PayPal as a payment option. When I made payment for the merchandise, the confirmation of payment from Paypal I received listed the seller as someone with a XXXX-based email account. Additionally, the purchase information did not match what I just bought on the website. The website lists a US address and contact information for the website, so I realized I had probably just been the victim of fraud. 

I immediately reached out to PayPal to notify them of the suspected fraud and they opened an investigation. I also contacted the phone number on the website which is a non-working number. 

Within 4 hours, Paypal responded that the transaction was legitimate and they would not pursue it further. I contested this decision using their appeal process. On XX/XX/2021, their appeals division confirmed the previous decision that they would deny my claim on the basis that the transaction was not unauthorized. 

In my dispute, I stated that it could not possibly be authorized if the seller is taking funds from consumers via Paypal and not providing/shipping the merchandise purchased. How can this be authorized by Paypal? They would be an accomplice in the fraud. Paypal disagrees and is not approving the claim.