23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX XXXX Balance : {$340.00}
Product: Debt collection

As of XX/XX/XXXX National Business Factors , Inc. of Nevada have been trying to collect interest on debts not contracted with interest clauses
Product: Credit reporting, credit repair services, or other personal consumer reports

I work for this XXXX, I made calls and was given to debt collector. Very rude and continued to give different people to call for an itemized statement of original bill. I have no knowledge of what this bill is, where it came from, or why I would this debt .... I requested that information on my original dispute. I was not provided that information only what the debt collection bill says XXXX IS THE AGENCY AND I HAVE AN ACCT WITH THEM THAT I PAY FOR ... .. doesnt look like they are trying to truly provide me an investigation.
Product: Debt collection

I received a notification by mail that that I had an unpaid balance with XXXX ( XXXX XXXX ) and AmSher was the collection company to collect the unpaid debt of {$120.00}. ArSher offered me an opportunity to resolve my account/debt with a one time payment of {$97.00} if paid by XX/XX/2021. I attempted to call to make a payment but was placed on hold which I proceeded to hang up after 23 minutes. I then went online by using the bar code provided by AmSher on the collection letter they sent to make an online payment. On XX/XX/2021 I made an on line payment of {$97.00} per their collection letter and instructions, PAYMENT confirmation Number XXXX. On XX/XX/2021 I found a collections on my credit report from AmSher for the amount of {$32.00}. I would like AmSher to honor their offer and remove the {$32.00} from collections.
Product: Vehicle loan or lease

Exeter Finance LLC I asked them to come pick up the vehicle from the shop because the vehicle kept flooding they refused to pick the car up now the shop wants {$4500.00} for storage and the Exeter Finance still want XXXX on XXXX XXXX. I have reach out to them no solution yet, They now have turn my account over to a third party collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. 

On XXXX XXXX, I sold my vehicle to a company called XXXX. The car that was sold was a XXXX XXXX XXXX XXXX which was financed through XXXX XXXX. After the selling of my vehicle, I noticed that my loan was still showing active with XXXX XXXX. This was a huge red flag. I looked at my other car loan company ( XXXX XXXX ) and saw that my XXXX XXXX XXXX was showing paid off. So, XXXX mistakenly paid off the wrong vehicle. After going through months and months and multiple phone calls and emails I was able to correct the issue and reinstate my loan with XXXX XXXX. Very frustrating process, but I was able to pay off XXXX XXXX XXXX XXXX reinstated my loan stating that I was 90 days past due. This dropped my credit score roughly XXXX Points nearly ruining my credit score. I have sent XXXX XXXXXXXX a Credit Bureau dispute form per their request to fix, but I am uncertain if they will really help given the issues I have had with them. 

My father reached out to me and gave me this web site as a POC to help me with this credit dispute. Please help any way you can please! 

Thank you in advance! 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XX/XX/2023
Product: Debt collection

ALLY FINANCIAL INC. has engaged in a despicable tactic where I paid 100 % of my lease and then returned the car, they asked for additional money upon return alleging damaging in excess of wear and tear, I had filed a complaint for their dishonest debt collection conduct and we had reached a settlement on a revised amount of money that was being asked. I paid again 100 % of the amount they asked and upon receiving the amount of money they claimed I owed they falsely reported as a collection/reposesion account. I believe Ally Financial should be investigated, sanctioned and fined for their misconduct my credit report has dropped 45 points as a result and stopped me from applying for a mortgage. I reserve the right to bring any viable claims against ally for their willful, spiteful and predatory collection practice. I even received a letter claiming that I was paid in full from Ally.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$2700.00} -late/closed - XXXX XXXX XXXX XXXX  **** Date XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXDate Opened : XX/XX/year> Balance Owed XXXX {$0.00} XXXX
Product: Checking or savings account

Company froze my account stating there was fraudulent charges when there wasn't resulting in loss of time and money. Wells Fargo never offered to fix the issue, I have had XXXX or more fraudulent charges without them doing anything about the problem.
Product: Payday loan, title loan, or personal loan

I have been with the state employees credit union for more than 20 years, since I was a teenager. Around XXXX, I had some issues with them trying to apply for a mortgage loan. They gave me the runaround from branch to branch until I started complaining about the services and misinformation I was receiving. Then, I requested that my wife and I open an additional share ( savings ) account to start saving money together. It was denied to me for reasons unrelated to my credit or banking history. When they tried to fix their mistake, I refused to do business with them. 
In XXXX I bought my home with no problems and got financing through my builder. Within this year, I tried to refinance my home with the credit union and was denied, despite the fact that my credit score exceeded their " qualification '' expectations. 

Prior to all of this, I also had a personal loan to consolidate my credit cards, and I paid that loan off on time and early. On XX/XX/XXXX, I tried to consolidate them but was denied again. 
I am filing a complaint because I believe the secu has retaliated against my previous complaints against branches and executives. I can not retrieve those prior messages from the portal because their system limits the amount of time before deleting them. 
Filing this complaint is only step to show how the credit union has discrimination and I can say with several other people that I know personal, of color, have experienced this with the credit union. 
I am disgusted that I have always tried to keep a upstanding credit and payment history with the bank, only to express my concern about the miscommunication with trying to purchase a home and they credit union decided to black mail me from any future lending services.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX XXXX XXXXXXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, a payment was initiated of {$800.00} out of my checking account to my JetBlue Barclay credit card. The payment came out of my checking account twice on XX/XX/XXXX causing my checking account to be in the negative. This second {$800.00} withdrawal did not reflect onto my credit card. I contacted my bank which told me they would rectify it by reversing one of the payments. They did so immediately, and the money was placed back into my bank account. By doing so, Barclay credit card then saw this as a dispute on the initial {$800.00} payment, charged me {$27.00} in a reversal fee and put the {$800.00} as a chargeback onto my credit card balance. ( Still out {$800.00} now ). I contacted Barclay immediately on XX/XX/XXXX and they stated they were aware of a lot of customers who were charged double and they were working on reversals. I was refunded the {$27.00} reversal fee and was given a case number ( Case # XXXX ). I was contacted by a Barclay case representative, XXXX on Sunday, XX/XX/XXXX who asked me to please email a screenshot of this double payment out of my bank account and to email it to XXXX which I did so on XX/XX/XXXX. I have sent over 5 emails since with a follow up with no email response. I called back Jetblue Barclay a week later to follow up. They contacted by XXXX who said they were still working on it and to please be patient. During this time, I have been accumulating interest on my {$800.00} charge back in my credit card account. On Saturday, XXXX I contacted Barclay again to follow up on the case. I was told that they would look into it but if the second charge of {$800.00} on XX/XX/XXXX did not reflect on my credit card statement then I should dispute the second charge as well because it will then throw up a red flag on their end or the bank 's end. I called my bank right after ( XXXX ) and started the process. By XX/XX/XXXX, the {$800.00} was reversed and put back into my checking account. I thought this accounting nightmare would be over. Nope. On XX/XX/XXXX a {$27.00} reversal fee and {$800.00} chargeback was placed yet again onto my credit card. I called Barclay XX/XX/XXXX demanding an explanation and a follow up on my case. They stated that it was all taken care of and the case was closed. I now see that they tried covering their tracks that two {$800.00} payments were reversed but they never acknowledged the first payment onto my account, hence me being out {$800.00} still. The representative could not explain how it was taken care of and when I further questioned the outstanding {$800.00}, I was told they have to open a new case and the new case number is XXXX. I am livid. I have been without {$800.00} now back and forth for a month now. I am beside myself and don't understand why there isn't a capable person that can help me on their end. If Barclay looked at their credits and debits in my account, they would see that now they have taken one {$800.00} payment out of my bank account and charged me back {$800.00} TWICE into my credit card account. Any assistance to rectify this would be greatly appreciated.
Product: Checking or savings account

A claim was filed in the amount of XXXX to Wells Fargo fraud dept in late XXXX. initially some of the transactions that were involved in the file were from XX/XX/year> and did not align with the first fraudulent transactions that were made XXXX XX/XX/year> in the same locations in the same amounts from the same gas station and city. This mistake was made due to a fraud investigator lumping together all the XXXX transactions rather than just XXXX transactions that were in that same city and same time frame. The other transactions were not thoroughly investigated and were taken into the file which caused the range of time to be longer than the policy of 60 days that is the expected limit of time to take action if there is fraudulent charges that can be credited back for. The claim was denied, closed, and I was not credited for the amount disputed. I called back three separate times to get a report of the claim and reopen the investigation due to an error in filing the corrected transactions that should have been disputed, and was unable to get the fraud department to send that over.
Product: Credit reporting or other personal consumer reports

I was looking over my consumer report and I saw the account listed below. I am confused on why this account is showing on my consumer report. I do not remember receiving any disclosed information about this account being able to report to such third parties as XXXX, XXXX, and XXXX. 
Account Name : XXXX : NELNET Account Number : Could you please send all my disclosures per XXXX XXXX ( b ) that should have been conspicuously disclosed to me before reporting my non-public personal information to an unaffiliated third party ( XXXX, XXXX, & XXXX ). I understand I have an obligation to pay on this account, but I do not want my personal nonpublic information displayed to third party consumers.

I do not mean to come off too forward, I am just exercising r rights to opt out of having my information reported per 15 U ; 6802. 
Could you please either send my disclosures showing my written permission to display my personal nonpublic information to these third parties or delete these accounts from my consumer report? 

Respectfully, XXXX XXXX I they have all my loans in DEFAULT DUE TO INCOME except these 3. They have also changed the loan providers name.

I have contacted them time and time again to explain to me why these 3 are not in forbearance or default as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is such a simple fix. Experian is the only credit report that needs to be updated showing no lates. Makes no sense why XXXX XXXX changed the status almost a year later after it was corrected by XXXX XXXX. My score dropped 44 points XX/XX/2020. Next step will be a lawyer. Seems as if XXXX XXXX would like to avoid that? 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed fraudulent accounts and erroneous personal information that needs immediate DELETION/UPDATING. 
I DID NOT authorize nor originate these accounts so they must be immediately DELETED within XXXX business days upon receipt of this letter on clear grounds of IDENTITY THEFT, pursuant to 15 U.S. code 1681c-2- Block of Information. Also, pursuant to 15 U.S. code 1681s-2 and 15 U.S. code 168e ( b ), please update my personal information immediately. DELETE ADDITIONAL INQUIRIES : XXXX XXXX  ( XXXX  ), XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX PLEASE ADD CURRENT EMPLOYER : XXXX XXXX XXXX XXXX. 

Please see additional Information on attached Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the following accounts below & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : You violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) charge error ) Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing errors.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement ( 5 ) A computation error or other similar accounting error on a creditor 's statement.

Upon conducting a recent examination of my credit history, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status. which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment.
Product: Mortgage

On XX/XX/year>2024, pursuant to the Freedom of Information Act, I requested the following : 1. Qualified Written Request ( QWR ) Under RESPA.

2. Request for Loan Documents, Including Allonges and Closing Disbursement Records.

3. All relevant indorsement pertaining to the loan.

4. Request for copies of Seller 's disbursement checks ( front and back checks, wire transfer confirmations, etc. ) 5. Request for copies of mortgage note and closing payment records.

To date, I have not received the records requested.
Product: Credit card or prepaid card

Bank of America card ending in XXXX had two unauthorized transactions totaling XXXX. I wrote the company in XX/XX/2022 to file my fraud assertion. The company removed the amounts and then rebilled them claiming that my address was used as part of the transaction verification. I subsequently wrote back indicating the transactions were not authorized and that they needed to be removed along with any subsequently billed fees and interest. 
I continued to receive billing statements with the rebilled amounts plus fees and interest now totaling {$180.00}. 
I received a form letter recently that asked for me to call. Their records will show that I made at least two attempts to have my issue addressed but no phone agent was able to either direct me to the appropriate department or was able to assist with my account. 
In addition to a full credit for the fraudulent charges and fees, I need written assurance that any subsequent late payment reporting to the credit reporting agencies has been cleared.
Product: Vehicle loan or lease

I created a credit app. I noticed fraudulent hard inquiries on my credit report that I did not make or authorize on XX/XX/year>. I was not working and in XXXX XXXX XXXX at the time and could not even afford a vehicle.
Product: Money transfer, virtual currency, or money service

Iberiabank located at XXXX XXXX XXXX XXXX GA XXXX is a fraud company not a legitimate bank. On XX/XX/21 Their ATM machine # XXXX turned off blank right after I inserted my ATM and entered the PIN number and the amount to get {$200.00} cash. My account was immediately debited {$200.00} for the money I never received from their machine. This is a new kind of bank fraud. When I went inside an employee said : Oh.. yes it happens to noncustomers, but you should eventually get your money back, but I never did. I called them a few times and left them messages, but XXXX XXXX the assistant Branch manager did not even return my call. I am filing a complaint against them to Consumer Financial Protection Bureau with a police report to get my money back.
Product: Debt collection

I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX XXXX '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Debt collection

I 'm getting calls and notices stating I owe {$2300.00}. Recently, I received a free credit report and noticed that XXXX XXXX XXXX XXXX.is trying to collect {$2300.00} for Check N Go. I recently received my credit report and it states XXXX XXXX XXXX XXXX opened a collection on XXXX XXXX. I opened a payday loan with Check N Go in the amount of {$2300.00} on XXXX XXXX, XXXX. I made a payment in the amount of {$310.00} on XXXX XXXX, XXXX and on XXXX XXXX, XXXX. I then submitted a complaint XXXX on XXXX XXXX, XXXX. Check N Go. replied and it was agreed I would make payments in the amount of {$200.00} starting XXXX XXXX, XXXX thru XXXX XXXX, XXXX. I defaulted in my loan as of XXXX XXXX where my last payment was for {$100.00}. Up until then I paid {$900.00} plus the XXXX payments of {$310.00} totaling XXXX. According to Check n Go, I owe {$100.00}. I started making payments again as of XXXX XXXX, XXXX In the amount of {$200.00} thru XXXX. I have statements and receipts proving I made payments. The only receipt I do n't have is paying {$100.00} in XXXX of XXXX. Can XXXX XXXX XXXX, XXXX open an account after 4 years of opening?