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

I have reached out to TransUnion well over 365 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Product: Debt collection

A person named XXXX XXXX contacted me ( on XX/XX/XXXX ) referencing old contact information and the last 4 digits of my SSN claiming I owed a balance on a debt with XXXX XXXX that I settled over 7 years ago with a 3rd party collector ( XXXX XXXX ).  He said that although I paid a settlement amount, I still owed a balance ( an amount which couldn't be correct as I settled the debt ) and that the last payment I made was in XXXX which is also not true. I didn't make payments. I settled the debt in one sum in XX/XX/XXXX and I have bank records showing I made my settlement payment. This debt does not show on my credit but he threatened that he'd report it unless I paid him this alleged balance. He also fished for my current contact information, which I did not give as I did not want to invite further contact. I told him repeatedly that what he is claiming was not correct and that I'd paid the debt. Someone called again today from the same area code/prefix and this time the caller ID identified the business as XXXX XXXX XXXX ( XX/XX/XXXX ). They left a voicemail referencing a problem with my account and to call them immediately. I did not return their call. I researched XXXX XXXX and can see that XXXX XXXX works for them. Neither voicemail nor conversation provided any disclaimers identifying who they were or why they were entitled to collect on this alleged debt.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block 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 XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I filed a separate complaint about XXXX XXXX case number XXXX ). This claim is in conjunction with that but is against Equitable Acceptance. XXXX charged me a loan processing fee to file paperwork with the XXXX that I could have done for free. They took out a loan on my behalf with equitable acceptance. Equitable acceptance is charging me for the " fee '' they paid XXXX.
Product: Credit reporting or other personal consumer reports

In my credit report on WFBNA Card is 30 days late the account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to alert you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and that Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report per FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. The following is a list of accounts and objects that do not belong to me or were opened without my authorization. 
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. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer designates as information resulting from an alleged identity theft within four business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are  XXXX  accounts that are reporting 120 days late from  XXXX ,   XXXX   XXXX   XXXX    XXXX  account and   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   account. I have been attempting to contact these lenders to correct these errors that have caused my credit score to plummet and I am unable to obtain a mortgage. Also all of the above accounts are apart of a loan consolidation so how are they reporting late and the consolidation loan is in good standing. I contacted the FTC last year and they corrected this error so why is   XXXX   reporting this way again this year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Experian in connection with its debt collection and furnishing activities continues to violated sections 1031 ( a ) and 1036 ( a ) ( 1 ) of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C . 5531 ( a ), 5536 ( a ) ( 1 ) ; sections 623 ( a ) ( 8 ) ( E ) - ( F ) and 623 ( b ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. i68is-2 ( a ) ( 8 ) ( E ) - ( F ), ( b ) ; sections 1022.42 and 1022.43 of Regulation V, 12 C.F.R. 1022.42-1022.43 ; and sections 807 and 814 of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16920,1692/.Collecting any Time-Barred Debt through any means, including but not limited to telephone calls and written communications, without .They continue to list the Loans as accurate, documentation from the creditor or agent was not provided to support creditor was not discharged in the chapter 13, as these are private student loans not federal and not subject to 11 U.S.C. Section 523 ( a ) ( 8 ) ( A ) ( ii ) ) on IRS publication,901. 

For those Time-Barred Debts that can not generally be included in a consumer report under the provisions of the FCRA, 15 U.S.C. i68ic ( a ). Clearly and conspicuously disclosing to the Consumer : " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report.

They are not federal loans, A private student loan is not a scholarship or stipend, and the overwhelming body of judicial authority finds that it is not an educational benefit either That a private loan is an educational benefit is inconsistent with the full text of 11 U.S.C. 523 ( 8 ) the other two exceptions would be unnecessary if education benefit included loans. 
U.S. Court of Appeals for the 2nd Circuit from the U.S. Bankruptcy Court for the XXXX XXXX of New York. In the original case, U.S. Bankruptcy XXXX XXXX XXXX XXXX concluded that private student loans were not part of the Bankruptcy Code Section 523 ( a ) ( 8 ) ( A ) ( ii ), which states that any obligation to repay funds received as an educational benefit, scholarship or stipend is typically not eligible for discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a catalog for XXXX and XXXX on XX/XX/XXXX. I ordered some items and paid it off on XX/XX/2021 There was no hard inquiry. My credit score went down and I am in the process of cleaning up my credit report. 
Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. 

Please remove the XXXX account also. It is paid in full.
Product: Vehicle loan or lease

I was charged an absurd interest rate for my car loan of XXXX years with Wells Fargo Auto Loans.
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the Accounts of XXXX XXXX ( XXXX, XXXX ), XXXX  ( XXXX ) and XXXX XXXX  ( XXXX ) are violating my rights. I disputed these errors directly with the three credit bureaus and the creditors themselves ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The companies in question are violating the sections of 15 USC : 15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.
15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.
Product: Bank account or service

I attempted to make a transaction I never received the product or services and was still charged, after becoming aware of this I immediately contacted BBVA Compass to dispute and was awarded a refund but was still charged several overdraft fees because of it. The bank stated that Federal bank regulations would not allow them to refund the overdraft fees because it was not a bank error. I 'm refusing to have to pay the bank fees for transactions that are not valid.
Product: Checking or savings account

My current bank account was hacked for {$500.00} XXXX  on XXXX XXXX. I filed a dispute with my bank letting them know it was not me and the charge was not authorized. They proceeded to close my dispute and told me I could not be credited
Product: Credit card

I was recently informed by my Daughter XXXX XXXX who had used XXXX of your Shell credit cards that there is still a late payment entry on my Credit Report. 
I had written to you over a year ago and asked you to correct this entry since the lateness was due to your billing problems not my paying my Shell bills on time. 
I have always paid my Shell Credit card bills on time since I opened the account. Then Shell sent us new credit cards with new expiration dates like all credit card companies do every XXXX-3 years. But in your case the new credit card was not linked to the old account online. So when I logged in to pay my bills, I was only able to view the balance for the new credit card, not the older card which still had a balance. Dispite the fact that I was make regular online payments, they were all go to the new card and nothing was paying off the old card. Meanwhile the old card had about a {$100.00} balance on it. Suddenly I am told that I am several months overdue on the old card which never apperas on the online account. This is despite making regular in full payments to the new card. 
Since then you have corrected the problem and several months after my issue, both balances started appearing on the online account. 
I have asked them twice to correct this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Vehicle loan or lease

I have overpaid on my vehicle due to the hidden fees of this company Santander USA and also  extending financing without the consumers knowledge when a loan is in default. I am still paying interest on a loan since 2015. This loan was for {$32000.00}. I have paid them close to {$45000.00} and the company is still stating that XXXX is owed. I have also have been violated as a consumer because this companies preys on individuals and place them into auto loans with a high probability of default. This company is now being faced with a XXXX XXXX lawsuit in 34 state South Carolina being one of them. I have a repossession/redeemed reporting on my credit when I reported that my Mom passed away and I financially wasnt able to afford the close to 700 payment per month they were charging with the late fee. Also reporting months of late payment when arrangements were made for the payments and they were deducting the funds. This default has stopped me with my home purchase and is hindering my credit. Santander is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. They have yet to reach out to individuals but are still charging the high rates and auto payments they are being sued for.
Product: Checking or savings account

Chase doesn't allow screenshots so I've taken pictures with my sons phone. Chase keeps charging overdraft fees but will not post the debt when it is incurred with a debit card. They'll wait, like now I've XXXX pending transactions for XXXX days but they'll post them all on Wednesday and this is Sunday, I've got many accounts set to auto withdraw and I've called them numerous times about it ... now they say I've overdraft protection but now they aren't allowing things to post and I've paid them thousands in XXXX dollar fees.
Product: Debt collection

Calls began on  XXXX   XXXX  for a debt owed to another individual. I have received cal and messages on  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX .     I sent an email on  XXXX   XXXX  to stop calling my number as I was not the person they were attempting to reach. Then called on  XXXX   XXXX  and they proceeded to tell me they have no record of calling my number and proceeded to check if I had any debts owed instead of resolving the matter. Then I emailed again on  XXXX   XXXX  to stop the collection calls
Product: Money transfer, virtual currency, or money service

I am filling a compliant against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App Failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

ability recover services is reporting inaccurate information and i have disputed it in writing and online and the results remain the same it is indeed INACCURATE
Product: Credit card or prepaid card

This complaint relates to my account at Citi : XXXX XXXX XXXX XXXX  XXXX. In late XXXX, the autopay did not go through because my checking account was slightly short due to an unexpected expense. On XX/XX/XXXX, within a few days, I manually paid the full statement 's prior balance of {$2900.00}, and that was taken from my account and reflected on my statement. Citi continued to attempt to take the same {$2900.00} again several times ( I tried to get them to stop, but long wait times prevented me from getting help ), and they were successful on XX/XX/XXXX. I called multiple times and they refused to refund the duplicate payment or assist in any way. I advised them I would contest the XX/XX/XXXX payment with my bank, which I did. The bank reversed the charge and redeposited the funds on XX/XX/XXXX. I thought the situation was settled, but on XX/XX/XXXX Citi manually reversed the XX/XX/XXXX payment off of my credit card statement saying it was a " customer request '' - it was not- and I was charged a {$29.00} returned check fee. I called and, once again, got the runaround. The agent asked if I can make a payment today- THEY HADMY MONEY! The funds were not redeposited in my account. Citi 's customer service is so poor it is tantamount to a deceptive practice. For context, I am an accountant, so I understand how this should work.
Product: Debt collection

Have several listings of debts have been paid and company refuses to remove them from my credit report which is hindering my credit rebuilding process and wont allow my credit score to increase.
Product: Debt collection

This has become an on-going practice for XXXX, XXXX XXXX XXXX to aggressively and excessively collect a debt that has been " paid in full '' according to the original principal amount of {$5000.00}. Again, this law firm is seeking to take advantage of a consumer. I've paid through garnishments the amount of {$9900.00} which is 194.5 % of original debt. I've also requested the law firm to forward me their payment records of this debt with zero success. XXXX had written off debt years ago. This law firm is acting in bad faith and needs to be reported to the attorney gerneral office of Colorado, which I will pursue.
Product: Debt collection

On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC1692g I clearly sent, '' Capital One '' a cease and desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. 
I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$48000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX. XXXX Balance : {$9900.00} XXXX XXXX XXXX Balance : {$2900.00}
Product: Payday loan, title loan, or personal loan

I worked with Sierra Financial to apply for a {$1000.00} short term loan, they contacted me and said they worked with a loan broker. My primary complaint is what was disclosed to me over the phone was not the loan contract I signed for, the following deceptive and predatory lending practices were used to enter into a bait and switch loan agreement. 

Basically the on the phone consultant told me I was signing up for a short term loan that had a high APR of nearly 240 % which I knew was the case and there would be a {$140.00} finance fee added to the loan balance in addition to any accruing interest. 
I then asked the on the phone consultant to setup the installment payments to pay off the loan balance in 4 months ( 8 installments ). She said that would be setup and I would see the payments of {$250.00} debited from my account on a biweekly basis and that would pay off the loan. 

Surprisingly I never received any additional disclosures by phone, email, or mail showing the terms, due date, payment schedule or loan amortization chart. I had requested these verbally. The only notification I received was that the loan was funded. 

Then I noticed {$250.00} auto debited from my checking account at the same time as my pay period, I assumed this was my payment plan I setup. After two months and approximately {$920.00} in payments were made I wanted to see my loan balance online my balance as of XX/XX/20 was {$1200.00}. I immediately called Sierra Financial to talk about my concern, they notified me my payment had only been applied toward the finance fees and loan extension fee which totaled {$250.00} biweekly. I told them I did not request any extension and only the initial fees were disclosed to me ( not the additional {$250.00} finance fee or how the determine those fees ), and I specifically asked for the payments to be setup to payoff the loan. They then got very rude with me and said that they can not help me and the terms and conditions state payments can not be setup and the full balance needs to be paid to resolve the debt, then they hung up while I was still talking. 

So I would like for the complaint to be handled and investigated because this company is disclosing false information and preventing consumers from getting full information they need to make a decision.The company has a very bad reputation on XXXX and if I would have investigated them I would have never did business with them, but they contacted me and their potential clients marketing themselves as a different company under a different name, through a different referral sources to trick consumers they are doing business with a legitimate company. 

I'm not question weather I owe them the amount they stated, I'm questioning the validity of the contract since it was not disclosed and me as the consumer did not get to make a decision on the correct information.
Product: Payday loan, title loan, or personal loan

Refinanced loans in my name fraudulently and are trying to seize property behind fake loans and it's already been proved in my credit report
Product: Credit card

I purchase a laptop computer from best buy on XXXX the XXXX, 2015 I put {$1000.00} on my best buy credit card and I had a {$52.00} gift card from best buy and I put the rest on my Visa with another company and that amount was {$92.00}. I returned the laptop on XXXX XXXX, 2015 to best buy on XXXX is where I purchased it and returned it as well, and the person at the customer service desk informed me that he would need to contact a manager because it was over 15 days and I needed to return it before the 15 days was over with. I told him no one told me that and I never used the computer It just being sitting in the box and there is nothing wrong with it. so he called the person that was on duty for a manager and he told the that person that was on duty that nothing was wrong with it and it was never used and this person was very nasty and rude about the whole situation and told me he do n't have to do anything for me and ask me do I want to speak with someone on a higher level and I told him yes then he said that he was it and If I want to speak with someone on a higher level then he would not handle my situation and he said we do n't have to tell you that we have 15 day return policy and I told him yes the store do suppose to let me that. He said that the sign are all over the store and I never saw the sign because I do n't shop there like that to even look nor know that information. He began to tell me all he can give me is a store credit and informed him that this is on my credit cards and he said you either take or leave it because that is all I can do for you and if you do n't like that you want get anything at all. I told him, why in the world would I want to have a credit for this store and still have to pay for a bill as well ( XXXX bills to be exact ). Most stores would take this off your credit cards but he would not and this is what I want them to remove this off my credit cards. The amount {$1100.00} off my credit cards and teach this person how to be a manager with customer service.