23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am reaching out about the account referenced above. I have noticed discrepancies in the information provided by each credit bureau regarding this account. Each bureau claims to have contacted Bank of America ( BOA ) to confirm the accuracy of this information, which is not true. I possess a letter that outlines the correct amounts and dates, which conflict with what is reported to creditors. How do you verify this information when the credit bureaus reach out to you? I received a letter on XX/XX/year>, indicating that you informed the credit bureaus that the account is reported accurately. However, how can the account be deemed accurate when the credit bureaus are reporting differing information? They have inconsistencies in dates, amounts, payment history, and status. Per the Fair Credit Reporting Act ( FCRA ) Section 611 ( 5 ) ( A ), credit bureaus are obligated to remove any information that is inaccurate, incomplete, or can not be verified from my credit report promptly. The process begins with BOA stating that the information is accurate, which it is not. This constitutes a violation.
Product: Payday loan, title loan, or personal loan

Sofi sent me an email stating that if I opened a personal loan, they would give me {$590.00} bonus. I opened a loan for {$10000.00} but I never received the bonus. I reached out to Sofi regarding this, and it was suggested I file out a XXXX. I did this and then submitted an email to customer service informing them. I still have not received the bonus. Well, I appreciated the loan I could have received a cheaper rate at my credit union. I was also told that I could get a lower rate if i sign up for direct deposit. When i tried to do this my company portal said that the routing number is active, but no bank is linked to it. This brings up allot of red flags for me.
Product: Credit card

Comenity capital bank which provides credit cards for children place stores are charging customers late fees if payment is not paid by XXXX pm ET which is XXXX pm central. I have a calendar app that let me know when all my bills are due and I dont think it right that they are charging customers who make the payment on the due date after that time. I work in XXXX field and a lot of times Im am busy an unable to get away to make payment I normally pay bills on my lunch break. Today I was unable to do so, I made payment after my shift ended at XXXX and it is now considered late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company multiple times requesting that they review the " late payment '' shown on my credit report from XXXX of 2020. My dispute letters were dismissed, and never responded to. I am a long-standing customer and I make all my payments on time. Please correct this ASAP
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account : XXXX Opened XXXX Late payment disputes on my credit report ( reporting on XXXX bureaus ) XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have called XXXX several times to resolve removing any negative information on my credit profile. 

They have improper use of my report. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer recording agency can not furnish account without my written instructions under 15 US 1666B a creditor may treat a payment on a account under an open and consumer credit plan as late for any purpose.
Product: Consumer Loan

I had a loan from Lending Club in the amount of {$35000.00}. It has recently been charged off and now I owe around {$37000.00} to them. 

My financial situation became dire last year due to some increased financial obligations to family members and house that we recently took over. Prior to these sudden changes, I had made XXXX successful payments on time with this current loan, as well as several on time payments with another Lending Club loan before I had it paid off. 

Due to falling delinquent around XXXX of last year, I attempted to make several arrangements to catch up but fell short. As a result of that, around XXXX of last year the loan was referred to a collection agency called XXXX XXXX. I began working with them to establish a payment plan. I was able to commit to {$110.00} dollars or so over a 20 month period just to get Lending Club some sort of payment. I made XXXX payment in XXXX. When XXXX 's payment came around, I was advised by XXXX XXXX that Lending Club already charged off my loan. When I was told that, I was extremely upset and placed a stop payment on the XXXX payment as I got tired of getting the running around from them. 

Every time I called Lending Club they they said I could n't speak to them and I needed to speak to XXXX. When I called XXXX, they could not give me any more details other than the delinquent balance. 

Today is XXXX and I have sent XXXX emails and made several calls to Lending Club ( to which I finally got a call back ). I wanted to discuss settlement options with them to alleviate the balance owed as my credit score dropped to the XXXX range from around XXXX. The settlement option they gave me was over a 12 month period for a balance of about {$24000.00}. I told the representative on the phone that I fell behind on my monthly payment of {$1000.00} and for them to expect me to pay double that per month over 12 months was assanign. I had to ask the representative the following question twice, " how can a person who ca n't pay X, now be expected to pay double the balance at Y? '' I need assistance here for this matter as I 've never had a delinquency before. I am a single income supporting my wife and XXXX children and I want to make this right. To add insult to injury, I just got into a car accident last week and I feel my car might be deemed salvaged by the insurance company given how old it is. So my only form of transportation to work might be taken away, and now that I have a horrible credit score, I would n't be able to get a car lease or a loan to purchase a new car if I wanted to.
Product: Vehicle loan or lease

1 ) Contracted ended on XX/XX/year> 2 ) Made final payment on XX/XX/year> for {$490.00} 3 ) Letter dated XX/XX/year> stating my lease ends on XX/XX/year>. No mention of return date if I do not purchase. 
4 ) Dropped off car on XX/XX/year> ( XXXX weeks prior to end of lease ) with XXXX miles. Total miles Im allowed to use is XXXX. Less miles of XXXX. 
5 ) Received letter dated XX/XX/year> stating that the car must have been held until XX/XX/year> and by state law they can charge me an early termination fee of {$37000.00} until the car is sold or the difference between {$37000.00} and appraised value. 
6 ) XX/XX/year> called and spoke to XXXX XXXX who said by state law they have to send out letter but I will only owe disposition fee and tax. I asked about credit of less mileage and he said it will all be applied on settlement letter. 
7 ) XX/XX/year> received email stating I owe {$390.00} fee + tax= {$410.00}. Spoke to XXXX and she said she will have it researched and get back to me by Thursday XX/XX/year>. 
Contract STATES : PAGE 5 Of 5 # 41 If the lease ends on or after the start of the next to last monthly period and you do not buy the vehicle, we will give you a credit for any unused extra miles, unless vehicle is total loss. THIS was not a total loss car. I gave it back to them in pristine condition. 
Ally Bank is not responding. XXXX  has a D rating with no response to customer inquiries that is why Im reaching out to you. They should give me a credit of XXXX miles x XXXX mile= {$340.00}. 
Therefore XXXX XXXXXXXX {$77.00}. 
Again, I told them I was giving them until today to respond and they havent. They have reported the {$410.00} to credit bureau when previously it showed I had paid it off 100 % XXXX balance owing. Thank you
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX , has violated my rights. 
I looked at my credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible Accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ( I ) modify after any information is found to be inaccurate or incomplete or can not be verified Promptly deleted that item of information from the file of the consumer.
Product: Money transfer, virtual currency, or money service

The Company that I was previously a customer with is Called Elavon INC. 

The Company recently closed my account with them in XXXX and Placed both the My registered company and Myself on the MATCH LIST. As A result of this, I can no longer run my company or apply for new merchant processing. 

Elavon 's actions have caused harm to the reputation and financial stability of these individuals and businesses, and it is unacceptable. Their Actions will ultimately lead to greater Damages such as lost revenue, the Inability to accept future payments, and perhaps total insolvency.
Product: Credit reporting or other personal consumer reports

MY ACCOUNT XXXX XXXXXXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX XXXX XXXX Eastern Time Any other times or methods like live calls or voicemails aint good for me Thanks for understanding Later
Product: Credit card or prepaid card

JC Penny lowered my credit line based on incorrect data on the Credit Report. I have a prior case opened and it is still pending. Yet this action in my opinion a SCAM because it places me at my credit limit further impacting my already wrong low credit score. My credit score   XXXX !!!!! and they do NOT tell me where they got the information even though they allude it is noted. You find it! I might  XXXX  they offered me the credit even while I had an extremely low score- bait me in them clobber me! SEE PRIOR COMPLAINTS SYNCHRONY BANK- who advised me they already corrected the errors and credited me back money. I now have to be continually exposed to ineffective credit reporting further impacting my financial ability. It has cost us significantly in declined loans and usurious rates. Personal opinion a scheme to indenture people financially! They can take your money instantly from your bank account but they can not correct your credit- it tak es 60  to 90 days. Furthermore I have a security freeze on all  XXXX  they can not find. That was my last report so how did this company gain access???????
Product: Credit card

I have found an account for Kay Jewelers on my credit report from 2008 that was charged off. I do n't recall ever charging anything to this account. When I call to get information on this debt the representative on the phone informed me that the account was transferred to XXXX and they had no other information. The amount of the charge off is {$120.00} which I always paid my bills but in store with cash. I would never carry a balance on this card as their interest rate is 25 % APR which is usury in the State of Florida as the Florida Stature caps interest at 18 %.
Product: Mortgage

Using my banks XXXX XXXX process. My bank sent the payments to the po box shown on the mortgage statement for where to send payments well in advance of the grace period, usually the XXXX. Bank also shows deliveries on or before the XXXX of the month. 

Village Capital & Investment LLC NMLS ID XXXX then forwards all the mail from that po box in XXXX and forwards to another payment processing location in Nevada. 

They do not cash my checks until after the XXXX and charged me multiple late fees. The checks are dated by the bank prior to the XXXX grace period, and I have proof. They usually cash the checks after the XXXX, and this is intentional to extract late fees from me. Otherwise, they would honor the date on the check and count the payments on time. 

This has been happening since XX/XX/year>. They have wrongfully charged me {$330.00} to date. 

All Village Capital did when I called them to resolve this was offer to waive one late fee and encourage me to use their website bill payment system for future payments. I have a right and a choice on how I make my mortgage payments and I prefer using my bank to mail checks to them. 

This is predatory and needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a letter to XXXX and EXPERIAN disputing the accuracy of several accounts that showed inaccurate and missing information according to my 3 bureau XXXX report dated XXXX XXXX. On this letter I highlighted several inaccuracies with a XXXX XXXX account # XXXX. This letter highlighted that there were SEVERAL errors on this record that did not match what was being reported on any of my records or even the other bureaus. Their response twice, dated XX/XX/XXXX, and then again on XX/XX/XXXX, was what appears to be a stall tactic. A template letter applauding me for my efforts to correct incorrect information on my report. This letter is circulating all over social media because they send it to everyone in what appears as an effort to discourage and deprive us of our right to have an accurate profile with their company. I have sent a total of 5 separate dispute letters with detailed information about specific accounts on my consumer report and some haven't even so much as been updated to " in dispute ''. I saw where the CFPB released a report on XX/XX/XXXX of XXXX about the three bureaus and in that report you showed that these companies failed to provide substantive responses to consumers.
Product: Checking or savings account

I bank with Bank of America and started working for a new company. My new employer gave me two physical ( paper ) checks and I deposited them to my local Bank of America branch. There is currently a hold on both checks and I do not have access to any of the money.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

EQUIFAX : XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$560.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$160.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$380.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$560.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$160.00} XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$380.00} XX/XX/XXXX XXXX Account Number : XXXX {$560.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX {$160.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED CONTACTING THE FOLLOWING COMPANIES THAT ARE NOT AN ACCOUNT OR REPORTING ON MY TRANSUNION CREDIT FILE. HOWEVER, EACH COMPANY SAID THEY DO NOT HAVE AN ACCOUNT IN MY NAME AT THEIR COMPANY. I HAVE ASKED THEM TO REMOVE THE INQUIRY, THEY SAID THEY WOULD CONTACT TRANSUNION. HOWEVER, MY ISSUE WITH TRANSUNION IS THAT I FILED A IDENTITY THEFT DISPUTE TO HAVE THESE INQUIRIES REMOVED BECAUSE I DID NOT AUTHORIZE THESE INQUIRIES FOR XXXX XXXX XXXX XXXX OR XXXX XXXX  NEITHER WHICH ARE REPORTING NO ACCOUNTS TO MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND WOULD LIKE THEM REMOVED IMMEDIATELY DUE TO FRAUD. THEIR NOT REPORTING ANY ACCOUNT ON MY CREDIT REPORT, SO WHY HAVEN'T TRANSUNION REMOVED THEM?
Product: Debt collection

on XX/XX/2021 i learned of multiple synchrony bank accounts being opened in my name. 
the following accounts were not opened by me or my consent given for them to be open. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
on XX/XX/2021 a FTC id theft affidavit was filed report # XXXX please see attached document.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon review of my report, I have identified incorrect addresses, and previous places of employment that do not belong to me or are outdated. These errors are as follows : Incorrect/Outdated Addresses : [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inaccurate Employment Information : [ XXXX XXXX XXXX ] Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information included in consumer credit reports. The inclusion of these inaccuracies violates this requirement and misrepresents my personal information, potentially leading to improper evaluations by creditors and others relying on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a small loan in XXXX, made perfect payments of XXXX per month, I paid off the loan in XXXX of XXXX, six months later XXXX dropped my score, Equifax did not ; who knows what XXXX has done as they keep themselves hidden from my credit union and XXXX XXXX unless you pay. 
Last month-JXXXX XXXX XXXXXXXX, 3 years later out of the blue once again XXXX dropped my credit score when I have not touch anything to do with credit since XXXX of XXXX ; Equifax did not. As of today XX/XX/XXXX in viewing my credit score at my credit union and on XXXX.com I now see that Equifax has followed XXXX and has also dropped my score by XXXX points! 
In these past 3 years I've watched my credit score slowly increase which made me happy in case I need to apply for a loan or credit. 
How can they just drop my score when I've not touched anything that has to do with credit? All bills are always paid on time and I have no outstanding debt to be paid! Nothing touched since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from XXXX XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXXon my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts are inadvertently resulting in me being extorted.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am filing a credit card complaint against Citibank. 

I have been a Citibank Credit card user since I am a XXXX XXXX back in XXXX, I used its credit cards for the past 5 years and always pay my bill on time. 
However, on XX/XX/XXXX, I found all my credit cards are closed without any notification. 

I called Citibank immediately and no one can give me any reason for my account closure. Their support also can not help me to redeem my {$1900.00} cashback I earned over the years. 

Citibank did not provide any solid justifications on why they are closing my account. It made no attempt to contact me for any information, but simply decided to close my account. This practice is unusual and does not conform with industry standards and procedures carried out by all other banks. 

I want to share my experience here to alert any other consumers like me that might be tricked by Citibank. 

XXXX XXXX
Product: Debt collection

Wells Fargo Bank , N.A . ( WFBNA ) Customer Service Department Wells Fargo Auto XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Charge-Off on Account # XXXX To Whom It May Concern, I am writing to formally dispute the charge-off on my account # XXXX with your company, pursuant to my rights under applicable laws, including the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). 

The charge-off, amounting to {$5500.00}, has been inaccurately reported or applied, and I am requesting a full investigation and correction of this matter. Specifically, I request validation of the debt, including detailed account history, payment records, and any agreements that justify this charge-off. 

Under federal and state consumer protection laws, I am entitled to : - **Verification of the debt** : The creditor must provide documented proof that the debt is valid and correctly attributed to me. 
- **Correction of inaccuracies** : If any errors or discrepancies are found in the reported information, they must be corrected promptly. 
- **Written response within 30 days** : As per federal regulations, I expect a timely acknowledgment and resolution of this dispute. 

Please provide written confirmation of the results of your investigation. If the charge-off is found to be inaccurate or unverifiable, I request its immediate removal from my credit report and any associated collections activity to cease. 

Enclosed are copies of supporting documents, including my credit report and any relevant correspondence. If further information is required, please contact me using the details provided above. 

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