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

I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance. also Unfair, Deceptive and Abusive Acts, These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I do not owe any debt or any alleged debt. 
I also refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 

I hereby Demand! That you XXXX cease and desist all communication and attempts to collect this alleged debt Pursuant to 15 U.S. Code 1692c ( c ) ; These listed Violations are based on breach of fiduciary duties UDAAPs TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Hard credit inquiry on my credit report from XXXX XXXX Again I have not authorized this inquiry Again I did not give permission. This is a fraud
Product: Credit card or prepaid card

Capital One charging 23 % interest on {$12000.00} balance. My other cards are at 16.99 %. 
Have asked 3 times now for a better interest rate since i have never missed a payment ever or have been late. Their reply is " we have no programs for you ''. 23 % interest is close to default rate and feel like they are ripping me off when interest from the fed window is at 0 %. 
At this point the monthly payment is stressing my cash flow with my income down 30-40 % as a result of Covid Virus. In addition it makes near impossible to get balance down.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a XXXX transfer of {$100.00} to XXXX XXXX which I have sent money to in the past via XXXX. However, this time the XXXX money was not received by XXXX XXXX. The phone number nor the payment information had changed. Everything was the same as the last time I sent a XXXX transfer to him - just this time no money received. I called Wells Fargo that evening and they said it might show up later. It did not. I called Wells Fargo. They said the money was received on the other side but it was not. They said I could open up a claim. I opened up a claim at Wells Fargo and they sent a letter dated XX/XX/XXXX received by me today stating, " We have determined that no error occurred as the transaction was completed as requested by you, to the account associated with the phone number or email that was provided. '' and " We have closed your claim at this time. ''
Product: Credit reporting or other personal consumer reports

This reporting agency continues to furnish information that has been pre-opted out of as well as identity theft reporting inquires. Upon asking for validation, the company just verified the account, but didn't provide the information used to verify.
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. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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, credit repair services, or other personal consumer reports

XXXX XXXX agreed to remove the 5 late payments during the middle of the pandemic as I ( family ) lost income and child care during that time XX/XX/2020 thru XX/XX/2020 but they still show up on report.
Product: Credit reporting or other personal consumer reports

Hello, I'm writing to let you know that I don't recognize any of the hard inquiries from an auto loan on my credit. I just bought a car back in XXXX, so applying for another auto loan makes little sense. I don't recognize any of these, and I don't recall granting them permission to perform a rigorous check into my credit history. I would like them all deleted right now. 
XXXX XXXX XXXX XXXX 
TransUnion : XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year> 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 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 XXXXXX/XX/year>XXXX XXXX
Product: Student loan

I got this loan in XX/XX/XXXX and I am being contacted by a debt collector being Alltran Education Inc., I informed them that I will pay my loan balance of {$4200.00} but they are refusing to accept that amount and instead are trying to collect {$13000.00}. They have also placed me under garnishment and has taken my XX/XX/XXXX tax return which was about {$1200.00} but the balance was not reduced. I have contacted them to requested a settlement and that the garnishment be removed and they are refusing and offering me a payment of {$400.00} per month for 10 years. This debt is more than 20 years old and at this point I want the garnishment removed and the debt to be forgiven.
Product: Mortgage

Since the start of my loan ( XXXX ) with Nation Star now Mr. Cooper they have applied my payments incorrectly. An  Overpayment that should be applied to my principal they are holding in suspense instead of reducing the principal. This has occurred monthly for 4 years resulting in over {$28000.00} not being applied to the principal that has been paid. I contacted the company and they continue to deny that the payments are not being applied correctly after contacting my previous loan holder to ensure I was up to date. They are now requesting bank statements for the last 4 years to verify payment even though their system shows the payments being paid. After asking that they review the account I was told that if they made any adjustment to reverse the payments I would be in default and placed in foreclosure despite over-paying faithfully since the start of the loan. XX/XX/2019 was the very first statement about having payments in suspense.
Product: Vehicle loan or lease

I am looking to receive a refund on an over payment made to a closed account. 

On XXXX I paid my final monthly payment on my old vehicle. This turned out to be an extra payment when the account was closed. I was not notified by email or phone and a check was sent to my old address. This address was not updated on my old account because I moved after the final payment was auto drafted several weeks prior. I found out by checking the Massachusetts state treasury site that Ally auto had sent this check to me and it was never cashed. 

I have now been in contact with ally auto and they confirmed my account and the check amount of XXXX. This amount matches the states record. I have an open case with them under case number XXXX. 

When I spoke with them XXXX I was told my check would be mailed to my current address and to reach out to them after XXXX business days if I did not receive it. Now when I called to check on the status I am being told I need to reach out again and that it will take 6-10 weeks to process my request. 

The amount has been verified both by the state and the company. I would like this matter to be resolved with a more appropriate timeline. Please respond with a contact number or email I need to help settle this matter.
Product: Credit reporting or other personal consumer reports

This account is on my credit profile that i did not authorize and I have to received anything from any of these companies the need to remove immediately. I have complete numerous disputes and nothing has been done. My complaint about me being a victim of identity theft and I have submitted proof of my report several times. This information is inaccurate and need to be removed from my credit report immediately. According to 15USC 1681i ( a ) 1 and 15USC1681i ( a ) 6 ( B ), 15USC1681i ( a ) 5 ( b ). 
I have called them and asked them to remove this account as well and no progress has been made. The account is call XXXX XXXX XXXX date opened is XX/XX/year> there phone number is XXXX XXXX XXXX I have asked Transunion to verfy that this is my account ask them what SSN address and information do they have on file because none if it is mines. I am a victim of identity theft.
Product: Debt collection

This is for a care credit account for 3 necessary missing XXXX XXXX   as a XXXX. To not have them affected XXXX, XXXX, XXXX, and the look of the smile. There is a late payment from last month that we could not afford, so we did not pay the full amount ; however, I have already informed them that we are paying off the care credit account ( as much as possible ) when our tax return comes in one lump sum ( part of it was zero interest for six months, and then another part was an agreement for a two year payment plan ), but they don't care. They are calling at least 4-5 times per day, every day, starting around XXXX XXXX for weeks now, and filling up my voicemail with blank messages.
Product: Checking or savings account

Chime bank immediately denied my fraud disputes without following their own policy.

I reported several online and recurring charges that I did not make or authorize. I reported these again twice after being denied by the bank. I spoke to managers who told me they would resubmit my claims two times and that I would get a provisional credit and they have never been removed from denied status. This bank just immediately denied my claims and one of the charges had been approved in XXXX and now they did not approve it. Another one still says denied but the company just refunded my money. This bank is not doing the work and just allowing fraud on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven`t received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against XXXX XXXX  for the second time. My first complaint was resolved by the company after they attempted to falsely mark my account as delinquent on my credit reports and charge me for fees that they actually owed me because this deposit was what I used to open the account, which was fraudulently used multiple times despite the fact that I had never received a credit card in my hand since I opened it in XX/XX/2020. 

The credit card company refunded me {$200.00} last month and removed all false marks from all three credit bureaus, but my account has now been placed in delinquent status as of XX/XX/XXXX for missing four payments, which is yet another false claim made by the bank. This is completely unacceptable and unlawful ; I feel financially victimized by the credit card company, and I am not alone ; multiple people have had reported similar experiences with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, our car was repossessed by Santander Consumer USA because we were unable to make all our payments. On XX/XX/XXXX, we were able to pay all the past due payments and associated fees and we got our car back. However, we just discovered, 3 months later and while trying to get another auto loan, that Santander reported to the credit bureau the repossession and it shows on our credit report as a " charge off '' dated XX/XX/XXXX, but they have not updated our credit report since we made the payments and have been making regular payments. Our credit report now only reflects a repossession and indicates that we never got our car back and that our Santander account is inactive as a " charge off ''. We contacted Santander on XX/XX/XXXX and asked for an explanation but they were unwilling to help. They told us that they are only required to report the repossession to the credit bureau and nothing after that. Our credit report is inaccurate and this has been hurting our credit, mine and my husband 's, for 3 whole months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachments. Per FCRA regulations, please delete the fraudulent XXXX XXXX XXXX account from my credit report. My identity has been compromised and is being used to adversely affect my credit profile. EQUIFAX has been negligent in their efforts to address this matter. PLEASE COMPLY WITH FCRA REGULATIONS AND DELETE THIS ACCOUNT IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back up and running. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them even after providing them with all the relevant information they required. I've decided to file a report here as I feel they did not do their job properly and it is affecting me a great deal as I use Paypal quite frequently. My email linked to my Paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A.

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide 1099 or other significant tax forms in order for consumer to file/report in a timely manner. 

As of XX/XX/2023.
Product: Checking or savings account

Someone has stolen my identity and was able to open an account in my name and I only found out through my credit monitoring service. When I tried to call I was given limited information but was advised account was closed and a couple months later was notified that someone is still trying to use my information to open another account.
Product: Consumer Loan

I opened an account with care credit. I did n't receive a statement until XXXX months later, so I did not even have an account number. They 've started calling me several times a day, morning and night. It is harassment and I would like to file a complaint. I have no way of getting the account number until they sent it to me but I did n't even have a chance to pay the bill before they started the harassment.
Product: Credit card or prepaid card

I CALLED American Express SEVERAL TIMES AND TOLD THEM SEVERAL TIMES IN XXXX XXXX AND XXXX THAT A CARD WAS OPENED IN MY NAME AND COMPANY AND EVEN SENT POLICE REPORT TO THEM AND THE FRAUD DEPARTMENT SAID THE ACCOUNT WAS CLOSED AND I WAS NOT RESPONSIBLE BUT THEY NEVER CLOSED THIS ACCOUNT AND SEVERAL OTHERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is showing as open on my credit report when its been settled by full payment on XX/XX/2020 in the amount of XXXX $
Product: Debt collection

I am filing yet another complaint to be more clear this time. I received a copy of my annual credit report in XX/XX/2018 and notice two large outstanding collections on my reports one for {$1200.00} and another for {$6600.00}. I immediately sent out VALIDATION letter to this company, to which they replied with a list of damages and a lease. The lease was for an XXXX XXXX. I informed the company that this was not me, nor have I ever been known by this name and that they are reporting inaccurate information on my credit. They then responded with a hand written " deposit slip with my first name, XXXX and the last names XXXX. ( Still not my legal name ) I was told that the sure deposit links it to me and the lease was a typo made by the original creditor but the debt was intended for me whatever my " legal " name was. I'm getting no resolution for this. The sure deposit they supplied me with isn't a legal binding contract itself nor does it even have an apartment number on it. The lease they suppiled me with isn't mine. THIS IS LEGALLY. Reporting INACCURATE INFORMATION ON SOMEONES REPORT IS ILLEGAL. They have FAILED to probably VALIDATE the debt owed, which is a very clear violation of my rights under the FCRA. They told me to fill out some paper work and get a police report but they would still be reporting, I should not have to jump through hoops for something that seriously DOESNT EVEN HAVE MY NAME ON IT. This has put me in an extreme bind as my credit is important to me and it looks bad. 


I'm attaching the sure deposit and the lease only as those are the only things relevant. The damages is just a bill and the " application " are both not significant enough or considered validation for a debt. Please note the difference in the writing and the signatures. Neither are mine. Please also note the sure deposit is not a legal binding lease and isn't proper validation either. Lastly, the lease does not mention me on it at all. 

I will be reporting and filing a complaint with every outlet possible, because I'm sure I'm not the only person who has fallen victim to their ILLEGAL collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, ( officially picked up from the XXXX XXXX on XX/XX/2020 ) I sent Portfolio Recovery Associates a debt validation letter to address inaccuracies and errors that they illegally placed on my credit report. They reported 3 accounts with balances of {$2100.00}, {$1400.00}, and {$2400.00}. In my letter, I requested that the company send the following : 1. What the money you say I owe is for : 2. Explain and show me how you calculated what you say I owe : 3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Provide a verification or copy of any judgment if applicable : 5. Identify the original creditor : 6. Prove the Statute of Limitations has not expired on this account : 7. Show me the you are licensed to collect in my state : 8. Provide me with your license numbers and Registered Agent or Agent of Service The company never validated the debt. It only sent me copies of billing statements, and the Federal Trade Commission clearly states that billing statements are NOT a proof of debt. LETTERS AND TRACKING WILL BE ATTACHED. Also, in the companies prior response, the company stated that it sent me initial notification letters. THAT IS A LIE AS I HAVE NEVER RECEIVED AN INITIAL NOTIFICATION LETTER. Furthermore, YOU ARE REQUIRED TO SUPPLY THE CONTRACT. What else gives me any legal obligation to PAY YOU? A CONTRACT WITH MY SIGNATURE ON IT. Also, on the XXXX XXXX  account, THAT ACCOUNT IS PAID IN FULL WITH THE ORIGINAL CREDITOR WITH NO HISTORY OF DEROGATORY STATUS *Proof will be attached*. ANOTHER THING, in your response to the previous complaint, you stated you ceased all communication and collection activity with me. My letter stated for you to CEASE ALL TELEPHONIC COMMUNICATION WITH ME AND COMMUNICATE WITH ME VIA LETTER MAIL AS WELL AS CEASE ALL COLLECTION ACTIVITY IF YOU CAN NOT VALIDATE THE DEBT. Is this your admittance that you can not validate the debt? To this day, this company has not legally validated this debt and still reports it to the credit bureaus. This company has not answered any of the questions in my letters. Billing statements are not a validation or proof of debt as anyone can create a billing statements. How do you have a billing statement from the XXXX Account and the account is paid in full? How do you have a XXXX XXXX account and that account ( original creditor ) is not on any my credit reports. Lastly, how do you own accounts that are allegedly mine if the Original Creditor CANT EVEN VERIFY THAT THOSE ACCOUNTS BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry that I did not give permission for
Product: Credit reporting or other personal consumer reports

I got a application update from XXXX  XXXX XXXX I applied for a credit card just to see if I would even get approved so I can make my credit higher and I was denied for current or past delinquency, derogatory public record, and / or collection accounts I want to find out more about this I don't know why what is this for is this why my credit score is low where can I dispute it if I can or find out if I actually did this
Product: Money transfer, virtual currency, or money service

I bought a piece of exercise equipment from XXXX over the phone. I choose to do the payment option route. This was all done and set up over the phone to take the loan from Synchrony bank. The original amount was {$1600.00} plus tax. I have been paying this through the automatic payment that was setup for me over the phone taking money out of my bank account for the past 20 or so months now. The payment per month was {$55.00}. I was not receiving any statement for these payments. To check the status I was able to gain access to my online account to check the balance. To my surprise the amount I owed was almost the initial principal of the load at {$1500.00}. I was hit with a over {$750.00} fee for missing the promotional period that was 18 month. I was under the impression this was set from 24 months an to be paid off before the time. After looking at the statements today which you can find attached the interest rate was set at 29.99 %. To me this seems like it was created in hope I miss the promotional period.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX, XXXX  and Experian they have verified that 'alledged account XXXX XXXX XXXX XXXX XXXX and it has a balance of XXXX. This account was sold to the collection agency XXXX, therefore how can it report a balance. I have disputed this account with the bureaus several times and they continue to report this inaccurate information.. 

Furthermore, I disputed this account with the collection agency as well. According to the FCBA and FACTA 312, and the FDCPA, the collection agency and or original creditor must be able to produce 1. complete payment history of the alleged amount/ verification line by line 2. date of last payment 3. charge off date 4. Contract/Agreement with signature 5. proof of photo identification 6. letter of sale or assignment from the seller/original creditor agreements states that debt are sold as is. ( the seller of the debt disclaims all representations and warranties regarding the accuracy of information they provide about individual debts. 

XXXX failed to provide this information, instead they sent an itemized bill and stated that they did NOT have a signature on file. This does not constitute validation and this information needs to be deleted off my credit report. 

Failure to delete this information will result in a lawsuit and a complaint with my state attorney general for failing to adhere to the FCRA, FDCPA, FCBA, and FACTA 312