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

I took out a loan with this company on XX/XX/2022 because I was behind on several bills following a job loss along with the denial of unemployment benefits and lack of financial support. I was terminated from my full-time job in XXXX of XXXX  without unemployment benefits and financial support once again. This situation resulted in my eviction along with the loss of my vehicle and I had to go on medical leave from a part-time job position which was NOT PAID causing me to fall further behind on bills. In addition, I was homeless living in shelters upon availability, motels with vouchers provided, the streets and abandoned properties which has been on-going for almost a year. I have been XXXX on, XXXX, almost XXXX  and attempted XXXX  multiple times, I have been trying to get back on my feet since which has been hard due to my former employers blacklisting me from the job field I have a degree in and I had to complain SEVERAL times for them to accept a payment plan in which I am making the final payment UPON THEIR ACKNOWLEDGEMENT & SIGNATURE of the attached contract. 

I will provide additional documentation upon request and thank you for your attention and understanding regarding this matter.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was three unknown charges on my account. They wanted to verify if it was mine and that was correct it does not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been compromised. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. This is very insane. I have no clue who could of done this to me. Please remove these suspicious items from my report. 

XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$52.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$3400.00}
Product: Consumer Loan

Hi, I want to seek help regardig my auto loan with Santander Consumer USA. We had the loan with them since XX/XX/XXXX. Up to now, my balance is still the same. We kept asking why did not go down for almost 4 years and my loan is supposed to end up this XX/XX/XXXX. It is a hard earned money and a waste of money finding out my balance isnt going lesser even i am paying.i might had late payments sometimes, but i do my best to paymy monthly and it is so ridiculous it isnt going to my principal for 4 years. Please help! 

Thank you and looking forward to hear from you. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX Names XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Accounts XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$430.00} EQUIFAXXXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$430.00}
Product: Credit card or prepaid card

On XX/XX/2023, Capital One sent me a letter requesting verification of XXXX XXXX ( not a problem ). The letter did NOT have a phone number and only offered a fax number ( who has a fax machine ) and a physical address. I mailed in the requested documentation along with copies of the letter so they could reference the matter. I didn't give it any more thought and just moved on down the road. 

On Monday XX/XX/XXXX I got a notice my account was restricted ( not useable ). After spending quite a bit of time on the phone the supervisor was unable to find my mailed response to their query. Not a big deal this stuff happens. So I asked for an email address to send it in ( since Capital One may be the only major or regional bank in the country that does not have a secure messaging portal in their dashboard ). They do not have one.

The only solution was to mail it back in again ( we know how that turned out ) or to fax. Who faxes?? They told me that it would be processed in 48-72 hours. Seems odd as most other banks and brokerage firms can tell me immediately when a message is received. But I understand confirming receipt and processing the document are not. the same thing. 

I was finally able to get my computer to fax through my printer and sent it in multiple times. I never got any confirmation so I have to assume the received it. I also mailed hard copies ( again ). I called their morning ( 72 hours after submission ) and they had no way to tell me if they got the documents or not. Then they said it would take 7-10 days to process. 

The significance of all of this is this is our primary company credit card which all my employees use. So I have half a dozens employees out in the field that are not able to purchase items for our construction company. We are scrambling to find another institution that can issue new cards but until then we are sort of shut down. 

I fully appreciate banks needing to get documentation to keep their records up to date. I can even get that stuff gets lots in the mail. However for them to not have any way to verify receipt of documents or to escalate a matter when a companies credit is shut off is wrong. There was no ability for me to speak to the department, there was no escalation. They just said sorry you have to wait up to 10 days event though it has been almost 2 months since your first submitted and we might be able to tell you if we did or did not get the faxes you sent in ( I am paraphrasing ). 

If you have a credit card with Capital One and they send you any written correspondence best be prepared for them to loose your response and possibly shut off your credit card unannounced. Very danagersous for a small business.
Product: Student loan

Hello, I submitted a principal only payment to go into effect XX/XX/XXXX. That applied and I received a notice of forbearance XX/XX/XXXX showing my updated loan balances. 

On XX/XX/XXXX, I received a new statement with different principal amounts. Part of my payment was redistributed across all of my loans leading to my highest interest loans having more principal and leading to larger interest accrual. 

I called on XX/XX/XXXX to inquire what happened and they did not know. After XXXX hours, the customer service person insisted the statement I received from MOHELA ( XXXX XXXX ) was incorrect. I insisted that the payment I made was reflected in the XXXX statement was intended to be correct. They did transfer to a representative to modify my payment amounts. 

They have no explanation as to why the payment was retroactively changed after sending me and updated balance post-payment and have not been able to verify my original payment- they dont seem to have a record of it accessible.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHMENT!!!!!! I HAVE ALREADY SUBMITTED THIS BEFORE AND STILL EQUIFAX HASNT DELETED THE FRAUDULENT ACCOUNT
Product: Debt collection

Called XX/XX/18, XX/XX/XXXX, & XX/XX/XXXX, leaves message claiming they are calling from ( XXXX? ) XXXX XXXX, to call back, it is a call from a debt collector. I have no debt to collect. They never mention WHO they are calling for.. Looked up veripro, the number that they call me on/request me to call back on is not listed on their website. Another report on XXXX said It's XXXX XXXX. I have no debt! Stop harrassing me!
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AND XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing because Equifax is in violation of their code of ethics regarding credit reporting. I am a victim of Identity Theft. I have tried to send all the information and have also tried to call them. Their computer system hangs up when including multiple disputes. Their answering system says that due to high call they can not answer. They put me on hold which takes more than two hours to get someone to answer via a text message. I am very upset. I can not send my dispute to this company which only cares about reporting people instead of trying to show correct data and not have their information stolen. They have wrong information that must be removed.
Product: Credit reporting or other personal consumer reports

Affirm Inc is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.
Product: Debt collection

I had a 42 month lease with USBank. They have continually messed up my payments and sent me bad information about the lease. The XXXX payment was due on XX/XX/XXXX and I paid it on time. Now they have continued to show the payment due for XX/XX/XXXX and sent me a paper bill in the mail, even though I've gone through the end of lease process with them. I believe they are fraudulently trying to collect extra money from me.
Product: Debt collection

I got a call from XXXX. It was a recorded message saying that they were collecting a debt and they were from Credit Protection Association. They left a reference number and to call a number to make payment. 
Payment for what? I researched CPA, called their billing department. There was no answer. 
Right after a hang up. I got a call from Florida, XXXX. It was a man asking for XXXX. I can hear him typing. I said wrong number and he hung up. Ca n't be a coincidence. 
Now XXXX checked my credit yesterday, XXXX XXXX. 
Both XXXX, and CPA collect debts. But why do n't they say what debt or who are they representing? I checked my credit, and I do not owe anything. 

Please check into Credit Protection Association. They may be working with XXXX. May be the same people. 

It 's not right that they scare people like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

XXXX XXXX Account # ending XXXX OneMain Account # XXXX XXXX Account # XXXX
Product: Debt collection

I never owed On-Line service any money and I asked them to prove how I owe them and they haven't. I finally got them on the phone and they said they would not delete the info even though I never owed them and they don't have any documentation with my signature, a copy of my driver 's license nothing at all to support this debt. 

After going and back forth with them they said the only way to get this deleted off my credit was to pay them. So, I paid it as it would be cheaper than getting a lawyer and going back and forth to court. A year later it's still on my report as a collection opposed to not deleted. Which is the same as not paying. 

It was a classic bait and switch to get me to pay them. 
ACCOUNT NUMBERS # XXXX, and # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I applied for a loan on Saturday XX/XX/2018 the company pulled our credit reports and the notification of a hard inquiry on Equifax immediately came through on my XXXX XXXX App. I have also been able to see my equifax score and account information since equifax was added to XXXX XXXX. Today XX/XX/2018 the company sent our information to the credit union that will be completing our loan and the credit union was able to pull my husbands information but not mine. I contacted Equifax and they told me that they do not have a credit report for me. I informed them that I could see my Equifax score on XXXX XXXX  and that there was no way they didnt have a report for me. They just kept telling me that they could not find one and would not provide any solution, investigation, or information on how to resolve this error. Its like I was deleted from the system after Saturday and Equifax showed no interest in finding out what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Genesis credit management reported a collection to my XXXX and XXXX credit report. This account ( copperwood apartments ) was included on my XXXX XXXX XXXX bankruptcy. I've called and given them the proper paperwork XX/XX/XXXX. XX/XX/XXXX I called and the confirmed the account was closed and they would remove this account from my report completely. This account is still on my credit report but it is showing no balance. I need it removed completely as it was discharged and and to raise my credit score.
Product: Checking or savings account

It won't let me connect my pnc account says they don't work with you
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your assistance in getting these unauthorized inquiries removed from my credit file. All of these inquiries accept for 4 inquiries do not belong to me. I am a victim of identity theft and I have submitted FTC form to the credit agencies and I still have not seen any of these inquiries removed from my credit file. The only inquiries that I authorized are the following : XXXX XXXX ( XXXX ) XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Capital One Dealer placed an inquiry on the credit report on XX/XX/year> do not recognize or permit to do so this is fraudulent
Product: Credit reporting or other personal consumer reports

I have submitted 2 previous complaints regarding the internal block XXXX has on my right to access my right to dispute and view my XXXX credit report on line. This matter has hindered my ability to also have an account timely monitored and disputed. My first complaint was filed on XX/XX/2023 and the company replied. As of todays date, XXXX has not followed thru with any of the steps stated. See attached.
Product: Credit card or prepaid card

On XX/XX/21 my credit card ( XXXX XXXX XXXX XXXX XXXX ) did an overdraft or cash advance to my debit card for XXXX dollars. I did not even know my card could do this. on XX/XX/21 my debit card was charged for XXXX dollars to an unknown XXXX XXXX. description was ( BILL PAY XXXX XXXX XXXX XXXX XXXX CARD ON-LINE XXXX ). I did not do any of this. on XX/XX/21 I called their online fraud support ( XXXX ) to claim a dispute. I called again on XX/XX/21 They denied my dispute and claimed that they could not get the money back since the transaction was from a secured activity, doing. at that time i only had XXXX on my debit card. and my credit left on my credit card was about XXXX the scammers basically drained my account. which should be an obivous fraud activiy.
Product: Credit reporting or other personal consumer reports

on or around XXXX i mailed in certified letters to all 3 credit bureaus to process dispute investigations for some inaccuracy on my credit reports which included my drivers license and utility verification documents. 
***These letters and documents that were previously sent will be attached which requested dispute investigations verification and method of verifications and Instead they mailed me stall letters back stating that they will not process my dispute requests or investigations and and it dont seem to be me. It seems I am working with a credit repair company. It has now been XXXX days not 30 days.
Product: Credit reporting or other personal consumer reports

**Subject : ** Dispute of Inaccurate Information on Credit Report under FCRA , TILA, and PAANL Dear Sir/Madam, I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card, account XXXX. I have identified that late payments have been incorrectly reported, negatively affecting my credit score.

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S. Code 1681i** ( correction of inaccurate information ) and **15 U.S. Code 1681s-2** ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts contain inaccurate information. I am entitled to receive {$1000.00} for each incorrectly reported item on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized credit inquiries from XXXX XXXX from the following dates : XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017. I did not authorize inquiries on any of those dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not comfortable seeing all of these unauthorized inquiries on my credit report. I didn't do any of these. What happened is that recently I received a copy of my credit report and I was surprise of how many inquiries that is on my file. I immediately sent a letter to the respective agencies XX/XX/2022 but up until today ( XX/XX/2022 ) I haven't receive any response from them. This is unacceptable. According to this article : FCRA 611 ( 15 U.S.C. 1681I ) ( A ) the investigation should be within 30 days only and an extension of 15 days makes 45 days, it was almost 50 days now from the time I sent letters but nothing came into my mail, email and even phone number when I indicated all these info for them to communicate to me. This is frustrating and causing me a lot of stress.
Product: Debt collection

I have Portfolio Recovery Associates harassing me for ouststanding debt that is over 9 years old. The  debt was not discharged in bankruptcy but written off due to the age of the debt. The debt is not on ANY credit report for me. The debt was never originally owed to Portfolio Recovery Associates but that has not stopped the harassment. When Portfolio Recovery calls me they reference my address from 8 years ago. Why are they allowed to harass me 5 or 6 times a day from different phone numbers for debt that has been written off. The debt has been written off by the original creditor. Why is Portfolio Recovery Associates allowed to harass me in an attempt to revive an old debt that was written off almost 10 years ago?
Product: Credit reporting

I HAVE DISPUTED MY CREDIT REPORT WITH XXXX FOR MONTHS NOW AND THEY WILL NOT CORRECT MY CREDIT REPORT. THE FOLLOWING ACCOUNTS ARE INCORRECT ON MY REPORT. 
-PERSONAL INFORMATION - MY NAME IS XXXX XXXX XXXX XXXX I HAVE SENT THE CREDIT BUREAU MY DRIVER 'S LICENSE AND SS CARD AND THEY HAVE NOT CORRECTED THIS INFORMATION ON MY REPORT. THEY HAVE XXXX NAMES ON MY REPORTS WHICH SETS ME UP FOR IDENTITY THEFT. 
-STUDENT LOANS - STUDENT LOANS ARE REPORTING AS LATE. I WAS XXXX AT THE TIME AND MY PAYMENTS WERE DEFERRED. YOU CAN NOT HAVE LATE PAYMENTS IF THEY ARE DEFERRED BECAUSE NOT PAYMENTS ARE DUE - THIS CREDIT REPORTING AGENCY HAS CLOSED ACCOUNT ON MY REPORT FROM XX/XX/XXXX. BY LAW, THESE ACCOUNT SHOULD HAVE CAME OFF OF MY REPORT IN XX/XX/XXXX ( 7 YEARS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : High Alert Mortgage Credit Pulled Spoke with Experian About the Incident which happened on today XX/XX/XXXX after telling company XXXX XXXX XXXX not to pull my credit due to high identity theft past couple of years and now trying to rebuild my credit. They immediately first starting speaking about my credit to make sure there were no bankruptcies on file. I showed them my credit score on my phone so they could clearly see no bankruptcies were there. Upon leaving my credit was pulled and high alert of mortgage pull was placed on my credit after stating many times. I did not want my credit pulled