23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I took out a payday loan in XXXX which was paid in full. Now, 11 years later I have a company contacting me constantly stating that I never paid the debt and that they are going to sue me. They have even contacted my family members and my in laws ( whom I did n't meet until XXXX ) I have explained to the company that I do not owe anything for that loan and they become rude and start calling me a liar, etc. I honestly believe that they got a hold of my information somehow and are just trying to scam me out of money. The original creditor has never made any attempt to contact me in regards to any discrepancies on my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX acct. # XXXX, has 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my EXPERIAN credit report and found the following item to be in error. Account : XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. This negative account is not reporting to XXXX nor XXXX. Please provide evidence proof of the alleged debt, including specifically the alleged contract or another instrument bearing my signature or delete immediately. I have attached the letter sent to Experian and proof of identification.
Product: Checking or savings account

Back in 2021 I deposited money orders into my chase bank account. The bank refused to give me my money after everything was cleared. The bank closed my account and I never received the money in my account.
Product: Credit reporting or other personal consumer reports

The Affirm account # XXXX should not be reported as I never opened this account. I made an inquiry to open an Affirm account for a purchase I was planning on making but the transaction was cancelled and Affirm still attempted to open an account for me and charge me for a transaction that was canceled. This account needs to be removed from my credit report before I file a small claims lawsuit in the XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem started with the XXXX credit bureau and now has ended with me having the current trouble with the Experian credit bureau. The issue with XXXX was resolved. However EXPERIAN has not budged and has not took the steps to provide me with a full, true and complete investigation. I have also contacted the Creditor about the incorrect information via mail with no response! 
The below creditor has reported false and inaccurate information to all of the credit bureaus and EXPERIAN IS THE ONLY BUREAU THAT REFUSES TO DELETE THIS INFORMATION. Again I have requested the method of verification from the EXPERIAN credit bureau and the creditor XXXX  also know as XXXX AUTO AUCTION also known as XXXX XXXX also known as XXXX XXXX ( below are the dates and debt amounts that are listed on my Experian credit report that are false ). 
Please note that this business and it's owner has been in constant trouble with the law in XXXX Virginia for illegal and fraudulent activities, which has caused/ XXXX XXXX to change the XXXX  to XXXX  and have XXXX XXXX become the associated XXXX  XXXX. 

I have in the past had a rental property lease with XXXX XXXX in XXXX of XXXX, for a 12 month term for XXXX XXXX XXXX XXXX, VA XXXX. The rental agreement amount was for XXXX monthly. This was over 5 years ago and XXXX XXXX has this debt listed as an installment account with " XXXX ''. This lease was not signed under any XXXX. Also XXXX XXXX is reporting that this debt is currently late and its a lease account that has a current balance of XXXX. This lease was signed over 5 years ago so that certainly couldn't be correct. This man has this account on my credit as if it is still billing me monthly ( at the current time ) and I am XXXX past due. THIS IS SO FRAUDULENT, how is this even allowed. I have been affected by this financially because of this big negative factor. XXXX XXXX updated this balance just XX/XX/XXXX, but has yet to respond to my many letters. Also big big big thing XXXX. XXXX HAS THAT THIS ACCOUNT IS OPEN. This rental property was leased in XX/XX/XXXX. I have lived in several other places since then. How does a rental property lease stay open like that. I spoke to the XXXX XXXX virginia clerk and she was blown away. 

The information that he orginally reported to EXPERIAN was : XXXX was XXXX XXXX XXXX XXXX INSTALLMENT ACCOUNT OPEN XXXX A MONTH LATE XXXX THE AMOUNT TO XXXX A MONTH 180 DAYS PAST DUe but the date of the 1st delinquency was showing XX/XX/XXXX terms XXXX term monthly months revd XXXX
Product: Vehicle loan or lease

My daughter was recently involved in a car accident, the result of which was her car a XXXX XXXX XXXX has been declared a total loss. 
At this point, the leasing company, Ally Financial has unilaterally terminated the lease agreement and has refused to pass the surplus funds that they have received from the counterpart 's insurance company ( XXXX ) to me and therefore illegally profit from my financia troubles. In fact they have received every payment on time and I have offered to pay also the residual 11 monthly lease payments in advance, so that Ally would get all the funds to which it was entitled under the term of the lease agreement. At the same time I would have preserved my right to buy the underlying car for the contractually predetermined amount of {$13000.00}. 
Instead Ally has decided to keep also the {$10000.00} surplus, part of the total XXXX settlement of {$27000.00} for themselves, without any other justifications that this is what the clause 39 of the lease agreement is stating, even though this is clearly unfair and I would personally deem illegal. 
It is like a mortgage company foreclosing on a house for lets say aXXXX loan sells the house , gets {$150000.00} and just decide to keep it all, without returning the surplus funds to the debtor/owner. 
As things are right now, Ally Financial is booking an unjustified extra profit of {$10000.00}, while I had to suffer a loss of the same amount after buying a similar car, a used XXXX XXXX XXXX with 38k miles, versus only 16k miles, at the cost of $ XXXXplus fee instead of {$13000.00} I do understand that the car weas not registered in my name, as it happens in every lease agreement, but it still represent the collateral of the lease agreement and it should be treated in the same way as every other collateral given against a loan, i.e. when the loan has been fully satisfied, the collateral or its residual value is returned to the performing borrower. 
I would add the fact that I was the one negotiating the car price on XX/XX/2020 and the one who got a discount of about {$6000.00} on the dealer 's price because of thegood market tim ing and excellent personal credit rating. 
I strongly believe that I have the right to get the overflow amount of the collateral that Ally has egoistically decided to keep for itself by appealing to the clause 39a, which should also be scrutinized as fully complying with the consumer law. 
I make myself available for any questions or further information you may need to investigate the issue, and I thank you in advance for any help or suggestions that you will provide me in resolving the matter.
Product: Credit reporting

I never gave my authorization for this dealership to pull my credit XXXX different times. I sent them a certified letter to have the proof of my authorization to pull my credit. I have a receipt to show they did receive the certified letter, gave them over XXXX days to respond but they have not sent anything back nor contacted me. I now would like to take action against them. I have attached all corresponding letters with the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I entered the Covid 19 disaster forbearance with my mortgage servicer, XXXX. As part of the program from them it stated that as long as I was in good payment standing ( which I was ) at the time of starting forbearance, there would be no late pay reporting to the credit bureau while in the program. XXXX honored that and did not report me as late. In XX/XX/XXXX, I started a loan modification program with XXXX which was an option of the program to catch up my missed payments. I had to make XXXX trial payments and then they would permanently modify my loan. I made my first trial payment in XXXX. In XX/XX/XXXX, my mortgage servicing got taking over by Shellpoint Mortgage. I spoke to loss mitigation with them and explained to the agent I was in the process of a loan modification with XXXX and made XXXX  trial payment so far. I sent the agent my modification offer from XXXX and the agent said they would honor it. I proceeded to make my next two trail payments and I was offered and completed a loan modification in XX/XX/XXXX. 

In XX/XX/XXXX I checked my credit report and Shellpoint had marked me as 180+ days late in XXXX when they just took over my mortgage and I was in good payment history with XXXX a month before. My credit score has dropped from a XXXX to XXXX. This is very bad since I work in the financial industry and they check credit scores. I can't get good financing anymore. This could possibly ruin my career! In XXXX they again reported 180+ days late to make it even worse. 

The late reporting is incorrect because I was to be protected because of the Covid forbearance. The late reporting needs to be removed immediately because it is incorrect. Also, they report that I started with them on XXXX of XXXX which is incorrect and needs to be corrected to XXXX of XXXX. Please help me get this corrected. 

Also, Shellpoint offered me a certain modification offer in XXXX and everything was signed and submitted and booked. I got an email saying it was complete. Now they are saying it was wrong and trying to undo the modification. Can you please make sure this is ok? Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiply times and never gets fixed. I have called and talk to XXXX XXXXXXXX XXXX at XXXX and they told me it would be fixed. I talked to XXXX I got a case number from them to make sure I had something to fall back on and that case number is # XXXX she said It would take 45 days to fix. I was on the phone with them for 52 minutes. I have never received and information from them. I filed bankruptcy chapter XXXX in XXXX of XXXX with a discharge. The account number is XXXX. The account still says it is open-Derogatory? They last reported on XX/XX/XXXX on my credit. I don't know what else to do? XXXX cell XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX, thank you
Product: Credit card

Hello, My name is XXXX XXXX XXXX. I am writing this complaint because I keep getting a run around from XXXX and TransUnion on how I should submit my proof of my bankruptcy to have several accounts removed or corrected on my report. I submitted my letter with a copy of my social security card, driver 's license, current address, and my full name ( which is what they each requested ) on XXXX. On XXXX  I called into each of them to see about an update and they both stated that they see the documents, but they have not been processed. I spoke to a supervisor with each company and they stated that they would expedite the request as the documents had been sitting there since XXXX I called back today XXXX to check the status but they stated that the documents would not be processed since they were sent in by a 3rd party credit repair company. Why would they not have told me that the documents needed to come straight from me?! They knew that I was working with someone to fix my credit and they did not tell me anything. I have been the one talking to them, not my credit repair company. This is SO frustrating and has wasted the past XXXX or 4 months trying to correct this. The supervisor at XXXX was especially rude and pretty much told me that there is nothing that they can do about it and that I should ask more questions next time. This is ridiculous. You would think that someone at such an important place such as the credit bureaus would be much nicer and more help. I am very upset at the poor information that was given to me by XXXX and TransUnion.
Product: Credit card or prepaid card

Amex is engaged in similar fraudulent activity as XXXX XXXX and someone needs to investigate their business practices. I am an Amex XXXX Card holder. In their card agreement, Amex auto activates a product which acts as a high interest loan to all new accounts. Amex doesn't allow the customer the ability to opt-out of this product at the time of signing up for the card. I signed up for my card in XX/XX/2022 and became aware of this product in XX/XX/2022. I contact Amex to de-activate this product in XX/XX/2022 on a recorded line, which they did. On XX/XX/2022 Amex auto-activated the loan with a 26 % interest rate on my card without my consent. I didn't become aware of this again until XX/XX/2022. Compounding this, Amex auto-populates transactions into their loan product in an attempt to collect 26 % interest on transactions the customer never intended to use for credit purposes. To fix this, it takes Amex days to untangle these auto-populated transactions and de-activate this feature on the card, all of which requires the customer to bring this to their attention and chase in order for it to be completed. Amex is not proactively resolving this without customer initiation. This product is called Pay-Over-Time which holds a specific credit limit. Amex has a separate product called XXXX which shares the same credit limit as their Pay-Over-Time. On XX/XX/2022 I created a loan for on transaction using PlanIt. Amex 's underwriting and back office doesn't process and activate that loan until 30 days after the loan was initiated, in this case the loan was in effect until XX/XX/2022. On XX/XX/2022 I overpaid my Amex card and Amex automatically took my overpayment and paid off this XXXX loan in it's entirety. However they failed to update their system to show this loan was paid instead it's remained in a paid status until now. I'm unclear if Amex reports all their loans to the XXXX credit bureaus but I assume they do which would be a violation of the FCRA. In both circumstances I have brought this to Amex attention and it has taken them days to fix. They make excuses and constantly extend the communicated timeline for each product when it will be fixed. One day it's 24-48 hours, the next time it's 7-10 days. The next time it's 30 days. As of to date, Amex has not fixed either of this on my account. It's still in " work in progress status ''. Even if Amex resolves this, neither of these scenarios should have occurred. Amex does not have the right to force a product on a customer when they've actively and successfully de-activated the product. They also have a responsibility to post payments correctly and within standard IRS and Account Laws, which they have failed to do for my XXXX loan. Per Amex, this is " their '' process and a " standard working practice '' in both circumstances. Therefore I do not feel I'm the only customer impacted by this. These challenges appear to be predatory, purposeful, and deliberate on Amex 's part and someone needs to hold them to account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a standby cash account with Huntington and on XX/XX/XXXX the bank reported to Credit bureaus about 30 day late payment when I was already paying a minimum amount on the account. This happened right when I applied for a loan. Either the bank or the credit Barreau is rushing to report this whenever I apply for finances and then remove it once I file a dispute. recently I spoke to the bank inquiring how the payments can affect my credit and they said they won't report it until its 30 days late so I have enough time to pay off and then yesterday when I tried to make a payment I saw a pop-up saying that I can make those payments in installments so I called the bank to get clarification on how it will affect my credit and they clearly mentioned that it wont be reflecting in my credit as its a hardship program they are offering but I saw that they reported it as late on the XXXX of XXXX right when I was shopping for a loan. It seems like the bank is doing a deceptive practice to ruin my finances. I have a history with them for various issues in the past. They also denied that the bank will offer a Foreign exchange in XX/XX/2022 when I I did exchange through them just in XX/XX/2022 and then I have to argue to let them exchange money and they spent exacly XXXX hour to do it. They tried to send me to another agency which is located far away from my home. They also said I have to visit the bank 5 times in order to exchange XXXX ( which they said is a limit for one transaction ) but end up doing it in one transaction.
Product: Credit reporting or other personal consumer reports

Can you check these documents? I want these unauthorized inquiries removed.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Debt collection

On XX/XX/2021, my father and I called the company that represents itself as Transworld Systems for a debt that was owed at a sum of approximately {$1500.00}. After speaking with a representative, the debt was settled by the sum that the company offered, at XXXX at approximately half the owed sum. My father paid the sum over the phone on that day by the end of that phone call. We were provided with a confirmation number and assurances that we would receive a written correspondence via mail confirming the settlement of the debt. The account therefore, was closed. However, two months later during XXXX, I am disputing this open account with the credit bureaus that have investigated the dispute and have found an open account for XXXX with Transworld Systems as " accurate '' - despite the fact that both parties mutually agreed to settle the account to an amount offered by Transworld Systems. We never received a written confirmation of the debt that was settled by mail, and the company refuses to report that this account was settled and actually report the account in an accurate manner to the credit bureau. This is alarming, because even their company records admit that their communications are recorded, yet they continue to misrepresent the settled account. Please advise.
Product: Credit reporting

On XXXX XXXX I contacted XXXX over their chat system about getting internet for my new house that I was closing on XXXX XXXX. Since this was prior to closing, I knew that I was not allowed to have anyone pull my credit report until after I closed on the house. While I was communicating with XXXX they asked me if they could pull my Credit Report. I clearly said " No '' in the chat and that I would just wait until after XXXX XXXX to order the service since I could not have my credit pulled until then. They said that they could authorize me a different way and I said OK, but unfortunately I got disconnected and did not contact them back just so I could wait until after I closed on the house. 

Today ( XXXX XXXX ) I went into my XXXX account and saw that on XXXX XXXX XXXX did pull my Credit Report after I clearly denied authorization for them to pull it. Luckily my closing went fine and this did not become an issue, but it could have become a disaster at closing! I would have been fine with them pulling it after XXXX XXXX, but I am very upset that they still pulled it without my authorization. 

I have attached a copy of my Equifax Credit Report clearly showing the inquiry on XXXX XXXX. I work for a finance company and I know that if we pull someone 's credit report without any authorization we can lose the right to pull any more credit reports at all.
Product: Credit card

I got, mistakenly got a credit card from Walmart. I thought that was good. I went to the Walmart store on XXXX XXXX, here in XXXX, and bought a {$100.00} dollars worth of groceries. I have had trouble paying on the bill. To cut it short, on that amount of groceries ; my latest bill in XXXX is {$210.00}. That much for only {$100.00} of food. I feel I am being scammed, and that card was a mistake. I have talked to them. They refused to back down. Can you help me?
Product: Debt collection

On XX/XX/XXXX an account was reported on my credit as past due by Portfolio Recovery Associates. On XX/XX/XXXX I called them and requested a debt validation letter sent, however, today is XX/XX/XXXX and I haven't received it. It has already been 10 days and every place I looked online has said that after 10 days of not receiving the debt validation letter, they were in violation of the Fair Credit Reporting Act. So I'm officially complaining here that they're in violation of FCRA and I'll also be submitting a complaint to my state 's attorney general and the Federal Trade Commission. I attached a copy of the debt collector company, and proof that I called on XX/XX/XXXX, as well as proof that there were no other calls received in regards to this debt.
Product: Debt collection

I received a debt collection from Amsher regarding a XXXX bill that was past due. I never received any bills regarding final charge from XXXX. I disputed and explained that there is no way my account was past due as I had auto-pay payments set up my entire time with XXXX. I switched provider because they refused to approve my first responder plan that the representative convinced me into signing up for. I was charged more than I agreed to for month without being notified that my first responders discount was not approved. In addition, I spoke a XXXX representative when I disconnected my service. My phone numbers on the account were transferred to a different provider and my home internet was disconnected as well. I attempted to get more information from both parties with no success. Today, I paid off my debt due to ti affecting my credit score applications. I had to pay XXXX directly who still could not provide me information on the debt. In addition, Amsher has repeatedly stated they do not have the debt even tho my credit report shows their name. I would like file a complain on both parties.