23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/2019. I received a call from Springleaf financial and was advised that I had a past due payment. I thought they were referring to the payment that was due on XX/XX/2019. The representative that I spoke to advised me that I had a payment shortage from what was due for XXXX of an estimated amount of {$23.00}. I informed the rep. That I was under the impression that the payment I made on XXXX was to take care of my XXXX payment ( 2 payments were made ). The representative advise me that it did go partially to the XXXX payment but the {$23.00} dollars was still outstanding and now the account was over 30 days past due. When I asked why I was not notified at any time about the delinquency I was advised that their primary job is to close docs on loans, not follow up on loan payments. I advise I did not get an email, or a letter either. The rep was unable to explain or give a reason aside from the fact that they did not have time to call people.This 30 day reporting should not be reported. I was not given the proper information about the remaining amount of money due for XXXX. When I authorized the rep to pay an additional payment I was never told another payment would still be due for XXXX.They waited until the account was over 30 days past due to inform me of a delinquency, despite my efforts to avoid such a thing. when I was called in XXXX to ensure XXXX was paid in advance. The contact number for the company is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE IS TRYING TO COLLECT MONEY DUE ON TWO ACCOUNTS XXXX AND XXXX WHILE UNDER AUTOMATIC STAY WITH THE BANKRUPTCY COURT. ALSO, FAILING TO RE-INSERT THESE TWO ACCOUNTS INTO XXXX DATA BASE AND XXXX  OWNED BY XXXX. 

PLEASE SENA LETTER FOR THE BANKRUPTCY TRUSTEE FROM YOU AND XXXX  BEHAVIOR. 

THESE ARE CLEAR VIOLATIONS OF THE DODD-FRANK ACT.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Total Claim Amount {$43000.00} USD XX/XX/XXXX {$96.00} XX/XX/XXXX {$8000.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$19000.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$400.00} The above transaction happened between Coinbase and XXXX. After I purchased Cryptocurrency on Coinbase, I initiated a transfer to a trading platform called XXXX. XXXX turned out to be a scam exchange platform. It is in my understanding that Coinbase verifies every platform where they agree to transfer funds to. But apparently they don't because they denied all responsibilities in the scam activity after I have sent them a complaint letter ( XX/XX/XXXX ) from which I never heard back.XXXX
Product: Credit card

Timely payments on this account have always been a priority for me, and I've never let them become overdue. I am unsure why there are late payment remarks on my accounts. According to 15 USC 1666b, billing errors must be corrected.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/2022
Product: Credit card

I was told my a Chase bank center near my house that if I withdrew cash from my Chase Credit card that there would be " NO '' cash advance fees. When I got my statement a 3 % was charged about XXXX times. I called Chase and they will not reverse the charges.
Product: Debt collection

We have sent XXXX letters asking for verification of debt with Choice Recovery. They have failed to verify the debt, leaving the debts on XXXX of the credit bureaus, XXXX and XXXX XXXX. This debt was appropriately removed from XXXX. We are trying to get approved for a mortgage and this non-verifiable debt is hindering the process. We do not owe the debt reported, and would like to have this removed. 

Choice Recovery, Account number XXXX, XXXX {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute several items on my credit report that I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in addressing these matters and enforcing my legal rights. 

Unauthorized Inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have recently discovered an unauthorized credit inquiry by XXXX XXXX XXXX on my credit report dated XX/XX/XXXX. I have no recollection of authorizing this inquiry and, as such, I request that this unauthorized inquiry be removed from my credit report immediately. 

Unauthorized Inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Similarly, I have identified an unauthorized credit inquiry by XXXX XXXX XXXX on my credit report dated XX/XX/XXXX. I did not provide consent for this inquiry, and I insist that this unauthorized inquiry be expunged from my credit report without delay. 

Questionable Account Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am disputing the accuracy of the account information associated with XXXX XXXX XXXX XXXX XXXX The name and number of this account raise concerns regarding its legitimacy. I kindly request either clarification of this information or the immediate removal of this account from my credit report. 

Questionable Account Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Similarly, I am disputing the accuracy of the account information linked to XXXX XXXX XXXX XXXX XXXX The ambiguous nature of this account 's name and number warrants clarification or the prompt removal of this account from my credit report. 

Incorrect Personal Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have identified an incorrect previous address listed on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' This address is not associated with me and must be removed from my credit report immediately. 

Incorrect Personal Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, there is an erroneous previous address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX '' I have never lived at this address, and I insist on its prompt removal from my credit report. 

I am deeply concerned about the impact of these inaccuracies on my creditworthiness and my ability to access financial opportunities. Credit plays a pivotal role in everyone 's life, and its misuse or inaccurate reporting can have far-reaching consequences. 

While I understand the importance of accurate reporting, I believe these items have been reported without proper verification. Therefore, I kindly request that you enforce the provisions of the FCRA and facilitate the removal of these unverified accounts from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt resolution of these disputes. Please provide me with updates on the progress of these investigations. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I am very upset with my banks customer service they didnt want to help me at a time that I needed them most I was at the drive thru and didnt have my debit card on me and have always heard from them that I can make a deposit without a debit card I called multiple times no one would assist me with this concern very bad service hold times and the. They dont help I was just sitting in my car not knowing what to do and my bank not wanting to help me shameful of them and I forgot my debit card pin I thought I could choose or reset it on their mobile banking app they would not help me this is not nice a check order to I requested they reimburse me since the way I was treated when placing the order they refused to transfer me to their check vendor XXXX XXXX horrible experience I ask that they call me immediately and go over my concerns with me Bofa call me immediately Im very upset with the way I have been treated and the service I have received
Product: Checking or savings account

XX/XX/year> I deposited a check for {$17000.00} that I wrote from my business account to be deposited into my personal chase checking account. 
Chase held the check for 14 days, and after the 14th day sent me a letter stating my account had been closed and my money would be refunded to me within 6-8 weeks. Its now been 10 months, and I have went to many branches and spent hours and hours getting documents, printed, scanned to chase verification dept, including XXXX tax returns, operating agreements, CPA financial statements, etc trying to prove that I own the account where the check came from. The managers of local chase bank have helped me send documents then have me call in a few days to the verification dept only to be told the same thing. Check still needs to be verified to be released please help me Sincerely
Product: Credit reporting

XXXX XXXX XXXX has account reported as charged off. {$14000.00} written off. {$9200.00} past due as of XXXX 2017. This account went to collections 2 yrs ago and is currently being paid thru them at {$220.00} per month and on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i was looking though my credit report and i no idea where Theses inquiries came from. I went to the dealership with my loan that I got from the credit union and I did not give them permission to run my credit for a car that I was going to purchase because I was using my credit Union company and they used my credit without my permission. I was already approved for a loan though my credit Union it is now On my credit and I will like for it to be removed for improper used or credit. I dont recall giving them permission to pull my credit
Product: Credit reporting or other personal consumer reports

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time.
Product: Credit reporting or other personal consumer reports

to whom it may concern at the corporations known as Kickoff Lending LLC and XXXX XXXX  it has come to my attention that my consumer report has reports that i have an account with your agencies and that the alleged debt was closed or charged off please send me the 1099C that I did not receive that your agencies filed. 
on my credit report is shows that you filed Under the FCRA I can seek statutory damages if a creditor furnishes inaccurate information about a " debt '' such as incorrectly reporting a charge off while still claiming I owe the debt. 
I lawfully demand that you cease and desist from reporting on my consumer report from this day forward XXXX/XXXX/2025
Product: Credit card or prepaid card

I paid off my capital one card and closed this account in XX/XX/2018. all the other credit card companies have been wonderful to work with except for capital One. I was approved for a debt consolidation loan from my bank in XX/XX/XXXX which collected all my statements and mailed out checks paying off my credit cards to a XXXX balance. I DID call all of my credit card vendors informing them they would be receiving a check in the mail to pay off my cards. all my credit cards were paid off in full except for capital One who is being very difficult and not working with me about interest charges or late fees. I did pay my bill on time every month. There was a holiday in between the checks being mailed out and I wish they would have put it in my account so I could have paid these bills off online but that is not how it worked. I called capital One to explain the situation they told me once I close my account all the interest and late fees would betaking off and I would have a XXXX balance which I do have a letter in the mail from capital One saying that I did have a XXXX balance. They now have it on my credit report that I owe them {$71.00} and then charging me late fees and interest charges still to this day over this credit card that was paid off and closed in XX/XX/2018. I do not owe them any money. I called and close this card in XX/XX/XXXX and I am still getting interest charges in XX/XX/XXXX and XX/XX/XXXX and late fees of XX/XX/2018. I have tried to call them 3 or 4 times and they are very argumentative and not wanting to do away with these charges that I do not owe. please can you do something about this credit card company that does not work with anyone trying to get out of debt. I'm sure the calls are recorded and I know there is one that is recorded saying that the representative told me there would be a XXXX balance after this amount in XX/XX/XXXX was paid off and when I close my account in XX/XX/XXXX that I would have a XXXX balance.
Product: Money transfer, virtual currency, or money service

I bought XXXX money orders ( XXXX for {$410.00} and another one for {$100.00} ) to be sent to the XXXX however they did not cashed them and were sent back to me therefore I requested a refund. Whenever I call they provide different information yet no result about my refund.
Product: Credit reporting or other personal consumer reports

I am providing a follow-up complaint to apprise you of my unfortunate experience as a victim of identity theft. Pursuant to FCRA Section 605b, Credit Reporting Agencies are obligated to expunge any items listed on an identity theft report, specifically under my reference # XXXX. Enclosed are the documents intended to facilitate the removal of inaccurate information and inquiries currently being reported on my credit files. The following is a list of inquiries and the inaccurate address that neither belong to me nor were opened with my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX*EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the file of a consumer identified as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Product: Debt collection

Southwest credit systems is reporting a balance of {$160.00} dollars on my credit report. I have never done any business with southwest credit systems and I do not owe them anything.
Product: Mortgage

I was awarded a grant through the city of XXXX for {$15000.00} in down payment assistance for a home through a nonprofit organization called XXXX XXXX. 

I applied for a mortgage to NRL mortgage XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX. The phone number is XXXX XXXX. 

I paid + {$500.00} for inspection costs/home buyer education courses, as well as {$3000.00} to sellers. The week of closing in XX/XX/2022 the lender told me I needed to use everything in my savings account ( which totaled over {$8000.00} ) to pay off my XXXX loans. I didnt see why that was the best option for my savings since I was still in XXXX school and there was a pause on XXXX  loan payments. Im a XXXX and planned to apply for XXXX XXXX XXXX XXXX  when I was done with XXXX school. 

The week of closing the underwriter denied my mortgage application because of my XXXX loans.
Product: Credit reporting or other personal consumer reports

XXXX Account # XXXX There are several potential FCRA ( Fair Credit Reporting Act ) violations. The FCRA mandates that credit reports be accurate, complete, and up-to-date. Under FCRA law I demand these inaccurate accounts be deleted today. Here 's a breakdown of the potential violations based on the discrepancies : **1. Date Opened Discrepancy XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Violation : FCRA Section 611 requires that information on a credit report be accurate. The difference in the date opened could suggest inaccurate reporting. If the account was opened on one date, all bureaus should reflect this consistently.

**2. Date Last Active Discrepancy XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Violation : FCRA Section 611 requires that information be current and accurate. A discrepancy in the date last active could misrepresent the account 's status and payment history. If the account was last active on a certain date, this should be consistent across all reports.

**3. Last Reported Date Discrepancy XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Violation : The difference in the last reported date is minor but can be indicative of potential issues with data synchronization or accuracy. All dates should be consistent to ensure accuracy in reporting.
Product: Debt collection

I have request PROOF OF CONTRACT to substantiate a claim that I owed the amount {$3300.00}. to XXXX XXXX XXXX. The XXXX nor the collection agency provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specically Naming XXXX XXXX XXXX as an entity entitled to enforce a commercial claim against me. The Reporting Agency send me onXX/XX/XXXX and updated account Investigation Results as Verified as accurate. But their answer is just a computer generated document with a copy signature that is not mine. They failure to Validate the account and to send me a notarized document that will demonstrate that the " investigation '' was conducted properly.

The same happen with a XXXX   case charging me with a {$580.00} as of XX/XX/XXXX. Moreover, they have reporting in my credit report a Global Lending Services, for the amount of {$8600.00} in this case I filed a dispute letter that the collection agency fail to informed me about why they failure to follow New Jersey repossessing Law, and failure to Validate the account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX [ Date ] Experian Dispute Department po box XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XXXX : Notification of Removal of XXXX XXXX XXXX XXXX Account by XXXX To Whom It May Concern, I am writing to inform you that XXXX has recently completed an investigation and has removed the XXXX XXXX XXXX XXXX account from my credit report. The details of the removed account are as follows : XXXX XXXX XXXX XXXX Account : Account Number : XXXX ( XXXX ) Account Number : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Status : Account charged off. {$44000.00} written off. {$23000.00} past due as of XX/XX/XXXX. 
Balance : {$23000.00} Balance Updated : XX/XX/XXXX Original Balance : {$47000.00} Last Payment Date : XX/XX/XXXX Past Due Amount : {$23000.00} Terms : 72 Months Payment History : Multiple months showing CO ( Charge Off ) status and past due statuses. 

Given that XXXX has determined this information to be inaccurate and has removed it from my credit report, I am formally requesting that XXXX and TransUnion also remove this account from their records to ensure accuracy and consistency across all credit reports. 

As per the Fair Credit Reporting Act ( FCRA ), it is essential that all information reported is accurate and up-to-date. Since XXXX has validated that this information does not meet these standards, I expect that XXXX and TransUnion will take similar action. 

Please acknowledge receipt of this letter and confirm in writing that the XXXX XXXX XXXX XXXX account has been removed from my credit reports. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX XXXX Attachments : 1. XXXX Dispute Results ( showing removal of XXXX XXXX XXXX XXXX account ) 2. Copy of Credit Report with Discrepancies Highlighted CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) New York State Department of Financial Services Feel free to adjust the details or add any other information that you find relevant.
Product: Debt collection

I received an email notification that a debt collection was opened on XX/XX/2023 and added to my credit report by a company called CAINE & WEINER COMPANY. The information indicated that the original creditor was PXXXX XXXX XXXX XXXX ; the alleged amount owed was {$300.00}. I have never done business with or heard of either of these companies. I contacted Caine & Weiner CoXXXX on XX/XX/2023 to inform them that I did not owe this debt and wanted the information removed from my credit report. I spoke with three representatives to resolve the problem, XXXX, XXXX, and XXXX. Each time I was told that they could assist me, but first, I would have to pay a {$1.00} fee online to a company called Identity IQ. When I refused to pay the first two representatives abruptly hung up their phones. The last agent informed me that the {$1.00} would allow both Caine & Weiner and me to access my full credit report for seven days, and Caine & Weiner would submit dispute letters to the three credit reporting agencies for ALL of my accounts in collection. I do not owe this debt. The company appears questionable in its business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several problems with Transunion, the first problem is the are sending me letters as if I am working with a 3rd party such as credit repair company. I have put in writing that I am not working with no credit repair company, and I am sending the letters due to inaccuracies on my credit profile, and there are refusing to read my letters wasting my time, ink, and money, Second, when calling them, there are still refusing to help me I have over 42 inquires on my credit profile and I am trying to dispute them and they're are refusing to do so giving the run around on the phone and in writing. Then when deal with the XXXX  XXXX bankruptcy they verified as accurate and they used data furnisher, when I have sent letters from courts, and pacer, and credit reports showing inaccuracies, but the still verified as correct. I've been dealing with this XXXX  XXXX since XXXX and all they do is lie and say that they're are working on it, which is not true it's almost XX/XX/2023. I am frustrated and have also have asked for a written signature they have also refused as well, but I guess they didn't received that letter when have certified all the mailed. Attached is all the information, from Transunion and the items I've sent to transunion this has been ongoing problem since XXXX. I am very irate.
Product: Debt collection

I have account on my credit report that doesnt belong to me I disputed with credit bureaus and XXXX sent me a notification in the mail with someone elses name on it. Sent validation letter received nothing but a bill with someone elses name on it