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

This complaint is related to two complaints previously filed. 
1. LoanCare failed to credit my account for the payment I made All payments from XX/XX/XXXX to XX/XX/XXXX, were made on time and were received by LoanCare ( See attached proof of payment # XXXX ). LoanCare failed to credit me for my account # XXXX, my payments for the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX claiming that these payments were not the correct amount and incorrectly applied these monies to my other account # XXXX ( See attached LoanCare Response dated XXXX ) This happened while LoanCare had no problem applying payments for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX to my account # XXXX This totally unacceptable. LoanCare added what they claimed missing here to my payoff statement and made me pay extra. The actual loan balance is {$150000.00} according to LoanCare record ( See attached XX/XX/XXXX Statement and XX/XX/XXXX Statement ). Loancare made me pay {$150000.00} ( See attached pay off statement, dated XX/XX/XXXX ). LoanCare must reimburse me the difference IMMEDIATELY. 

In LoanCare 's Annual Statement ( see attached ), the beginning loan Balance was {$150000.00}. I have paid {$5200.00}, and the balance is {$150000.00} Why do I have to pay {$150000.00} when the balance is {$150000.00} For convenience, I have provided with this complaint, proofs of payment for both of my accounts # XXXX and # XXXX. With all proofs on hands, it is LoanCare 's responsibility to get my records straight. No more ill-intent, naive pretense is accepted. 

LoanCare did this very same thing to me on this # XXXX Loan when I previously sold my property on Loan # XXXX. 

On account # XXXX, I demand LoanCare to refund the amount falsely charged immediately. 

On account # XXXX, LoanCare still owes me the late fees that were falsely charged. I demand LoanCare to refund this amount immediately. 

I demand LoanCare to get their record straight and re-notify the Credit bureau. What LoanCare listed on their response letter dated XX/XX/XXXX, was not completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Why thy refuse my letters I'm not uisng 3rd party I'm the one who send out letters. Please verify all the negative accounts on my credit report. I will attched my dispute letters and ftc report PLEASE DELETE IT ASAP!
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed {$1000.00} from Lendumo and when the payment was deducted from my checking account I contacted them and discovered that I was being charged 400 % interest
Product: Vehicle loan or lease

On XX/XX/2015 I facilitated a loan from Santander Consumer USA, I know my credit score was low because I was in XXXX ( XXXX ) and unfortunately I can not make any excuse but I was away. It was not explained to me that the loan would incur interest everyday at an alarming rate. My first 3 payments which were paid on time were applied solely to interest {$720.00} ( solely to interest ). I was at loss, not one day late and nothing applied to principal but then every payment I sent was applied mainly to interest and very little to principal. I called them, my parents called them on my behalf because this was impacting my XXXX and XXXX. I started having a hard time paying my payments because I could not keep up with the payments. Santander did not care. I research and know in other states they have class action law suits for inflated auto loans. My mother just took a personal loan to help me, She feels this is a predatory loan and said this amount of interest does not seem legal, please help me. She is paying the car off but I am leaving her in debt and if I can send a payment history you will see the damage done. please help this seems wrong and unjustified
Product: Credit card or prepaid card

I recently pulled my credit report and found that here is 2 late payments reporting to my credit report. 

The lates are in XXXX and XXXX and I believe this may be report inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity. The following credit inquiries are all fraudulent, unauthorized and dont belong to me : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX.This is my fifth time requesting for the fraudulent credit inquiries to be deleted and removed from my credit report. I want all of these fraudulent credit inquiries to be immediately deleted and removed from my Experian, XXXX and XXXX XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX  days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

SS # : XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX Ga XXXX My only employer is XXXX XXXX XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report.

Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed. 

Sincerely, 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. 
XXXX XXXX : # XXXXXXXX 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. 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 an 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 consciously avoids knowing that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX BANK NA XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXXL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

n XX/XX/23 I paid the balance of a credit card with a {$5000.00} limit, then on the same day Santander bank sent me an email about possible fraudulent charges, At this time the charges were pending and I called the bank and told them that I did not authorize the charges, they said no problem, we will remove the charges, deactivate the card, and issue a new card.. 

On XX/XX/23 I checked the card balance and found that the unauthorized charges went from pending to completed, so I call the bank and they said they knew nothing about the call or email on XX/XX/23 even though a new card had been issued by this time, but they will fix this matter by opening a complaint which will take 90 days to complete. 

the amount in question is 5 charges for XXXX totaling {$4300.00}. 
I then asked how the thief knew the balance was near XXXX so as to charge the card to the limit, they could not answer, but this could only happen with internal information at the bank, by the bank itself, or an employee stealing, but either way, the bank is at fault. 

I asked the bank who requested the charges, what state is the business registered in, what is their legal name, what is their contact info, what bank receives the funds from the charges, and what product was purchased, or anything other than an obviously fake description the charges, the bank would not answer any of these questions. 

It is quite clear that each phone call follows a pattern of long waits, and then a run-around about the incompetence of the person on the previous call, and then an assurance that the matter will be resolved, but the matter is never resolved regardless of how many calls are made.
Product: Debt collection

I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account XXXX : XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.
Product: Debt collection

I provided written notice to Portfolio Recovery Associates, LLC initially on XX/XX/XXXX, via certified letter disputing the validity of the debt owed. I further requested that Portfolio Recovery Associates, provide validation of competence evidence bearing my signature. The company signed for that notice on XX/XX/XXXX. Thereafter, I received a summarized statement from PRA alleging that I owed {$5900.00}, on XX/XX/XXXX. 

I responded on XX/XX/XXXX again asking for evidence bearing my signature. On XX/XX/XXXX, I received a letter from Portfolio Recovery Associates, again summarizing this alleged debt. The document provided was not from the Original debtor nor did PRA provide any tangible documentation bearing my signature. 

XXXX XXXX dissolved EFFECTIVE XX/XX/XXXX. With this knowledge, I question the veracity of how PRA obtained validation, competent evidence that this debt is in fact legitimate, WITHOUT my signature. 

I verified via XXXX Credit Bureau that Portfolio Recovery Associates, made a dispute statement under my name confirming that they completed an investigation of my dispute and further stated that I disputed this matter. 

I am therefore escalating my complaint requesting assistance to have this debt removed from all three of the credit reporting agencies. 

It is now my belief that Portfolio Recovery Associates, LLC is willfully acting in bad faith given their refusal to provide the requested information. 

Please be advised, as per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I asked twice for a document bearing my signature to be provided, in addition to proof of how this information was verified without my signature. 

I am therefore requesting that the debt reported by Portfolio Recovery Associates, be removed from my Credit Reports immediately.
Product: Debt collection

I've sent 3 separate letters asking that the company stop contacting me other than for the purpose of validating the debt. Despite my legal request the company has repeatedly contacted me in an attempt to collect the debt via both phone and email. They call multiple times despite my asking them both on the phone and through mail to stop contacting me unless they can validate the debt. 

First letter was sent to the company on XX/XX/2020 Second letter was sent to the company on XX/XX/2020 Third letter was sent to the company on XX/XX/2020. 

I have received the following verified phone calls at these times and dates from the company, however, several other phone calls are also suspected to be from the company which constantly calls from different numbers making it difficult to track them all : XX/XX/2020 - XXXX XXXX   XX/XX/2020 - XXXX XXXX  XX/XX/2020 - XXXX XXXX  XX/XX/2020 - XXXX XXXX   XX/XX/2020 - XXXX XXXX  XX/XX/2020 - XXXX XXXX XX/XX/2020 - XXXX XXXX  And more, that's as far back as my phone history goes. Everyone of those calls occurred after I asked not to be contacted and constitute a violation of the Fair Debt Collection Practices.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed to repeat offenders to exploit the system leaving users vulnerable to scams this las o of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Debt collection

Transworld System Inc by way of XXXX XXXX. I have contacted the original account holder and informed them that the account was fraud and provided them with documents showing that I lived in public housing from XXXX and did not require utility services. I have provided written documents stating that I have never given permission for my name to be used in any account with the original debtor therefore making any debt with the collector invalid.
Product: Credit card

I filed a dispute and provided proof of RMA ( Return Merchandise Authorization ) and that I was unaware of what the other charges from a related company were for. Unlike any card company I have ever dealt with they denied the claim and sent me back to the merchant even with proof that I returned the product.
Product: Checking or savings account

Deposited a check from my business XXXX account on XX/XX/24, on XX/XX/24 the funds were taken from my business XXXX checking account. They are saying my money will be available on the XXXX of XXXX. The check was not post dated check, stale dated check, the redeposit of previously bounced check, and with with obvious signs of forgery. I wrote the check to myself to deposit to my personal bill paying account. The check was under the XXXX threshold. It appears Ally Bank isnt following the requirements of Regulation CC - the regulation that implements the Expedited Funds Availability Act. ( XX/XX/XXXX ). Regulation CC allows a bank to hold deposits, even of XXXX 's checks, that are greater than $ XXXX - banks can't unilaterally lower that amount. The notice received does not appear to comply with the requirements for such an exception hold. I asked the Bank to correct the matter and I was told the money will be available on the XXXX, have a good day nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9700.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I havent gave XXXX, XXXX or XXXX the consent to obtain or furnish my information so under 15 U.S. Code 1681 B : Obligations with respect to disclosures of personal information. Now under 18 U.S Code 1028 A : Aggravated identity theft. This mean XXXX XXXX and XXXX are all in violation. Under 15 U.S. Code 6802 : Obligations with respect to disclosures of personal information.
Product: Credit card or prepaid card

Month after month when I make my payment which is on XXXX the XXXX of each month it takes XXXXt more than 10 days once it took them 27 days yo update my payment reflecting online and balance this is beyond ridiculous they come up with more excuses than enough here it is they drafted the payment out of my account XX/XX/XXXX and its now XX/XX/XXXX and they havent updated my balances paid on time but are quick to report Ive used most my limit when in fact they just refuse to their jobs and post payments this has been going on XX/XX/XXXX and frankly Im tired of emailing and calling every month they claim I can call with my bank on the line yo confirm funds have cleared its been two weeks they are very aware they received the payment if I could close the card without affecting my credit severely I would its unfair practices to the consumer its no where in their terms and conditions that they can process and update payments at their leisure again last month it took them almost 30 days until I called and complained
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got my credit report and as I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. 

I have called these credit bureaus and was told to file a police report. Nowhere in the law does it state that I have to provide a police report this is clearly a stall tactic and going against my human rights. The inquiries below need to be deleted from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand the deletion of these inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This is from 2017 but seemed a lot longer ago. 
I was given a XXXX/XXXX XXXX to wear and was assured by the office manager that it was fully covered by my insurance company 100 %. 
I took the brace home, never wore it, then received the bill for {$180.00} and that it was not covered by my insurance company. I called XXXX XXXX XXXX XXXX XXXX and spoke to the office manager who said there was nothing she could do. I explained to her that I could not afford to pay {$180.00} and that I would return the XXXX. She refused and I told her I was bringing the XXXX back anyway because they told me it was no charge, I could not afford it & it was not unworn. I returned the brace to their office the next day & they have since refused to take responsibility for their error or acknowledge that I brought the XXXX back.
Product: Credit reporting or other personal consumer reports

I have repeatedly for the past two years disputed with the Credit Bureau Transunion regarding a collection account XXXX XXXXXXXX XXXX XXXX XXXX that is negatively affecting my credit report.
Product: Mortgage

This is a complaint from XXXX and XXXX XXXX to Specialized Loan Servicing for requesting ( 2 ) two months to respond and failing to answer and respond directly to the actual requests for consumer information that was asked in the prior complaints submitted. 
You have ignored, attempted to cover up problems, give continuous repeated answers to unknown subject requests never made. You have ignored the illegal documents I have informed you of and continue to use and rely on after proof of fraud. I have been denied my lawful right to the information of the recent introduced blank endorsed copy of alleged Disclosure and Agreement Statement ( I did not sign ) you say is mine but will not say when you obtained it. This has nothing to do with closing, PSA, or any excuses you used to avoid a truthful answer. You are deliberately forcing me to take other actions instead of answering simple requests. 
If this is due to the inability of an untrained complaint department with lack of knowledge in these matters then something needs to be done and immediate action taken regarding these most serious XXXX in this department. The recent responses lack direction, lack comprehension of content and fails to properly respond to prior and previous complaints. You can not " close '' something that never took place!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently on XXXX/XXXX/2014 and is left with the balance of {$5400.00}. I've since filed identity theft, sent off a notarized dispute letter with an affidavit, and I'm now filing a complaint as the discrepancy remains reflective on my report.