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

Medical Data Systems , Inc is reporting multiple inaccuracies to XXXX. The date of delinquency is incorrect. The last payment date is incorrect. The debt was never validated but I paid it because I didn't want my credit to be affected. MDS never provided me with detailed bill. They just put the collection account on my credit report. Filing complaint with CFPB as well and the Attorney General of FL. 


XXXX  continues to allow them to report multiple inaccuracies without proper investigations. XXXX  is also blocking me from receiving the results of disputes online and they do not mail out results. I have to call them to get results. I also requested my credit score over 30 days ago and have not received it. I plan to sue.
Product: Vehicle loan or lease

In early XX/XX/2023, I called Toyota Financial because I could not make my car payment. Until then, I had never been late. I was given a XXXX month deferment and told that I could another XXXX months if I called at the beginning of XX/XX/2023. Because I still need the extra XXXX months, I called today, XX/XX/2023, to request the deferment. I was asked why I needed the deferment, and I told them financial hardship, the same reason I had given XXXX months earlier. Within in minutes, I was told my request was denied. I was told Id receive a letter of explanation. The woman with whom I was speaking was not at all helpful but did request that a supervisor call me. She said that could take XXXX to XXXX hours. I asked if there was anyone else with whom I could speak. She said shed try to get someone in the resolution department but came back shortly and said no one was available. 

I spoke with XXXX other people over the course of the morning. The second woman took more information about my financial hardship and said the first woman should have asked about the nature of the hardship. This second woman said she was recording what I said. However, when I spoke with the fourth and final person, I learned she did not. 

The third person actually put me through to someone in the resolution department. That woman, the fourth person with whom I spoke, was rude and condescending. All she would tell me is that my financial hardship did not qualify for a deferment. She kept focusing on only XXXX aspect, other expenses, but would not listen to the nature of those expenses or why I had them. I even tried to explain the circumstances surrounding the actual purchase of the car and how the dealership had taken advantage of my lack of knowledge, how they had misrepresented aspects of the deal and/or left out important information, and how they had forced me to take add-ons I did not want. She just kept repeating the same thing, your financial hardship does not qualify for an extension. No explanation other than there are reasons it doesnt qualify that they dont disclose. 

I ended by telling her that she was giving me no choice but to voluntarily surrender the car because I would not wait for the indignity of an actual repossession. She then said something about other options becoming available once I was behind on my payments. I was too upset to listen further. I was trying to resolve things in good faith. I was also trying to reduce my stress level because I deal with extreme anxiety and other health concerns which are exacerbated by stress. 

Toyota Financial refused to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a good samaritan in reporting XXXX to the CFPB three times so far ( numbers XXXX, XXXX, and XXXX ). The most recent one was deemed a duplicate, though that was far from the caseevery complaint had a new batch of red flags, as does this one you're about to read ( so please do not label this one as a duplicateit 's not ). 

My main bank XXXX XXXX ran an investigation and concluded that XXXX 's activity was illegitimate, subsequently issuing a stop payment from XXXX on XX/XX/2022 revoking authorization for recurring withdrawal ( see page XXXX of attached PDF ). 

XXXX still managed to take {$970.00} out of my bank account on XX/XX/2022 ( see page XXXX ). The only explanation for this is that XXXX must have hacked into my XXXX XXXX account in order to override the stop payment. If they've successfully hacked my account, this induces the fear that they may withdraw all of the money from said checking account, causing me to go broke. The company must be stopped and the people responsible for this need to be identified and arrested. 

XXXX XXXX 's investigation department deemed that this {$970.00} was not authorized ( see page XXXX ). They did their part and reversed the {$970.00}, also notifying that they will make efforts to insure the rigidity of the stop payment. 

I tried logging into my XXXX account to check on information, only to receive the message " Your account information is not available online. Please contact Customer Service at the phone number provided on the back of your card or statement. '' ( See page XXXX. ) It's not surprising that they don't want me to be able to access data that could incriminate them. Such as the instance addressed in complaint # XXXX where XXXX said in writing that they cancelled Card Security on XX/XX/2022 then charged Card Security nonetheless on XX/XX/2022 ( fortunately this instance I still have documentation saved ). 

One last red flag : After XXXX 's invalid charges caused my credit score to drop, Equifax and XXXX have both deleted those charges and brought the score back up. ( XXXX is currently in the process of looking over the information, and is destined to do the same upon reviewing the facts. ) XXXX XXXX, Equifax, XXXX, and the countless negative reviews on numerous websites ( links given in complaint # XXXX ) are all in the wrong and XXXX is in the right? Extraordinarily unlikely. This demands thorough investigation and action.
Product: Debt collection

The XXXX XXXX XXXX called me to arrange the debt that allways increased and the reson was the amount of my copay was XXXX and I allways been charged XXXX every visit. 
I paid XX/XX/XXXX XXXX dollars and I told the lady to charge XXXX every month in which they never did and put in to collection. Qar llc sent me a letter in which I put my credit card information with XXXX dollars again, received several calls from QAR LLC and they asked my own information and using profanity language because I dont gave my personal information from stranger callers. 
Now I open my credit information and see 3 collections with different amounts that I dont owe that amount.
Product: Debt collection

XXXX XXXX XXXX are in violation of FDCRA rules and regulations because they continue to report fradulent account on my credit report. They have been  reporting an account opened on XXXX/XXXX/2013 for {$1000.00} that I have no knowledge of. I have made no agreements with them. I have received many phone calls and letters, but no matter how often I explain this is due to identity theft in the past they continue to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Id theft victim These accounts are not mine XXXX XXXX  balance {$21000.00} XXXX XXXX XXXX {$21000.00} XXXXXXXX XXXX balance {$620.00} XXXX number XXXX ( i have my own card ) XXXX ( authorized user ) Not my account XXXXXXXX XXXX balance {$3800.00} ( i Have never paid late ) XXXX XXXX Never paid late DEPT OF EDXXXX XXXX This is in deferment till XXXX Never paid late DEPT OF ED/XXXX {$37000.00} this account is in deferment till XXXX never paid late
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, account number XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency absolutely can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax are given my priivate information to companies and Collection companies. 

There is a Collection of {$440.00} that I am not aware and didn't receive any notice by US Postal Office Mail. 
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, California XXXX XXXX has placed a collection and knowing that I am XXXX XXXX and Retired. 
Collection was placed on around XX/XX/2018.
Product: Payday loan, title loan, or personal loan

Today, XX/XX/2019, my payment was taken out of my account twice. So instead of taking {$220.00}, they have taken {$440.00}. I have called the company at least eight times. Twice, holding for longer than 20 minutes and never speaking to anyone, the rest of the time receiving a message saying user not available. I have also emailed the company twice today asking for a call or for them to fix the double post. Their double pull has caused my bank account to go negative and they have taken my money that was meant to pay my other bills, so those will be late as well. It seems as though they are avoiding issues as all of my contact has been made within their business hours. I will now be getting late fees for my other bills and overdraft fees from my bank. I read today that the FTC has sued them previously due to customer payment issues and I think there should be a way that customers can get out of this loan without penalty and move it to a bank or credit union and this lender should be shut down.
Product: Credit reporting or other personal consumer reports

Dear CFPB Dispute Resolution Team, I am writing to formally dispute inaccurate information on my credit report, which I obtained through XXXX on XX/XX/year>. I believe that the data reported by the credit bureaus contains errors that negatively impact my credit standing, and I respectfully request an investigation into these inaccuracies. 

Specifically, the issue is with the account reported by " XXXX XXXX, XXXX XXXX '' on my credit report. According to the reports from XXXX, Experian, and XXXX, the account shows late payments which are inaccurate. I have never missed any payments on this account or any other account. 

The credit report details are as follows : Account Name : XXXX XXXX XXXX XXXX Account Number : Ending in XXXX ( Full account number is available upon request ) Credit Bureaus Reporting Late Payments : Experian and XXXX Reported Late Payment : XXXX  days past due on Experian and XXXX Please see the attached screenshots of my credit report, which demonstrate that the account was reported as closed and fully paid as of XX/XX/year>. There are also consistent " OK '' indicators in the two-year payment history for each bureau, reflecting timely payments. Despite this, both Experian and XXXX report a XXXX late payment in the XXXX history section, which is erroneous. 

I request that the CFPB assists in investigating and removing these inaccuracies. The incorrect reporting of late payments has the potential to harm my creditworthiness unjustly. I am attaching copies of my credit report screenshots, which highlight these inaccuracies, as well as any additional documentation requested to assist in resolving this matter. 

Account Status for XXXX XXXX, XXXX XXXX : The account is marked as closed with a balance of {$0.00} as of XX/XX/year>. 
The " XXXX Year Payment History '' section for XXXX, Experian, and XXXX all show " OK '' for each month, indicating no missed payments. 
Inaccurate Reporting of Late Payments in the " Days Late - XXXX Year History '' : Despite the " OK '' history, both Experian and XXXX report a XXXX late payment in the XXXX history section. 
This is inconsistent with the " XXXX XXXX XXXX XXXX '' section, which shows all payments as " OK '' without any missed or delayed entries. 
Inconsistencies in Creditor Remarks : Experian notes that the account was " Paid, was past due XXXX  days, '' which contradicts the reported " OK '' status in every month. 

Thank you for your attention to this matter. I am confident in your ability to help rectify this situation and ensure that my credit report accurately reflects my payment history. 


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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

see cfpb complaints already submitted- # XXXX, # XXXX
Product: Credit card or prepaid card

I paid off a XXXX kids store credit card which is XXXX Bank. I paid off a late fee which was a balance over the phone which the service adviser helped figure those numbers then requested to close the account. The next month I received a balance again and I ignored knowing that I had paid the balance and closed the account based on what the adviser said I owed and now XXXX months later I owe {$95.00} dollars just on late fees and interest. This is unacceptable and I need help so it doesnt affect my credit XXXX
Product: Debt collection

HI PRA ; Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Checking or savings account

I had a deposit come through to my account for {$800.00} ( my account was prior negative {$260.00} ) and several debit transactions followed. The credit of {$800.00} shows that it was applied to the account followed by the debits ; However I was still charged overdraft fees for each item that posted after the deposit/credit ( 3 fees total ). When contacted the bank ( PNC ) I was told that it was deposited yesterday but they held the funds until this morning. I was told prior that credits post before debits. so if my act is negative $ XXXX and a {$800.00} deposit comes in my balance should then be {$540.00} and the remaining debits should then come out. Even though this is what shows how the transactions processed I was still charged over draft fees. 

When I went in yesterday to ask the bank about this they told me the deposit probably wouldn't be available until 2 or 3 in the morning- it is a Reg CC Funds Availability that funds have  to be available the start of the business day they are available at XXXX XXXX. I feel like they held my funds unnecessarily and cost me {$100.00} in fees for no reason. 

In the last week, I have also had checks clearing my account same business day. I work at a bank and know this is virtually impossible unless the check is cashed at the bank it is being drawn from. Off the bank endorsements on the back of these checks- this is not the case. I was told at time of opening the account that I have until the end of the business day to make it positive if it goes negative. I will go to sleep with no checks clearing the account ( with checking it at XXXX XXXX ) and will wake up with a check clearing the account with yesterdays date. How can a check clear same day but it wasn't showing on the account earlier? How can I bring money in to bring the account positive if you are putting a past date on it? 

I feel like PNC is violation Reg CC and Reg E.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing since XX/XX/XXXX with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit card or prepaid card

This is in reference to a closed claim XXXX, I'm disputing the resolved claim stating that we linked a credit card opened by XXXX XXXX and XXXX XXXX XXXX XXXX for overdraft charges totaling almost XXXX, we never use a credit card to cover such charges we either use our savings or just deal with the charges at that time mentioned I'd spoken to USAA and let I was XXXX from the XXXX XXXX and would be closing my account due to needing a physical bank and wasn't happy on how we were being treated customer service wise and unfamiliar charges to our account which was pertaining to the Identity Theft which occurred by a visiting relative stealing our information back in XXXX before the 2nd identity theft occurred which I attached the information to you. My son XXXX should not be held responsible for these charges or myself, if we made the charges we would pay these but we are unaware of such charges. We changed to another bank during the time period of XXXX - XXXX so how can these charges have been implimented I've tried to access my previous account with USAA to view these claims and have no access. I won't the information sent to me via email or mail so I can review the for go charges mentioned, its sure is funny when my son ask for access to his account he was told that wouldn't be possible until he spoke to corporate office and you all send a resolution stating items on my account which was the same period he requested and was told it was to far back to pull anything up. This is really an issue as we are trying to clean up our credit so my son can purchase a home and my wife and I can enjoy our retirement with this hanging over our heads. Help would be appreciated in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Transunion Previously that I am victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an account with this creditor. This account is reporting as open. 
XXXX XXXX XXXX XXXX  Opened XXXX {$490.00}
Product: Checking or savings account

On XX/XX/2023, at XXXX ; XXXX, I entered the Citibank branch XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX to use the ATM. I withdrew $ XXXXfrom my checking account., Upon completing the transaction, a man wearing a mask and sunglasses tapped my arm, and pointed to a XXXX $ bill on the floor directly below the ATM I had used. I thought perhaps I dropped the bill, and immediately took my wallet from my backpack to see if I had the XXXX dollars, which I did.I returned my wallet to my bag. I told the man the money was not mine. He then picked up the bill and began waving it in my face. I repeated several times the money was not mine, and left the bank. 

I went across the street to meet a friend in a restaurant. While waiting for her, I decided to check my checking account balance on my mobile app. I saw two withdrawals were made after I withdrew the {$60.00}, from my checking account_____a teller withdrawal for {$4800.00}, and an ATM withdrawal for {$1500.00}. ( I later realized an additional {$1000.00}. was taken from my savings account. When I returned my phone to my backpack, I realized my wallet with my debit/credit card, other credit cards, driver 's license and Social Security card was missing also. 

I immediately returned to Citibank, and reported the incident to XXXX XXXX XXXX, a Personal Banker at the site. He called the Citibank Fraud Protection Unit, closed my accounts and opened new ones. While he was doing that, I called other credit card companies to stop anymore transactions from occurring, and called the police. Although the police never arrived, a completed an online report later that day. 

The reason I'm reaching out for help is that, to date, Citibank has only reimbursed
Product: Credit reporting or other personal consumer reports

15usc1681 ( a ) ( 2 ) : You are reporting information that is said to be excluded from my consumer report that involves information as to transactions or experiences between myself and a creditor. Delete late payments. Account : ( XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

On XXXX I sent Equifax, XXXX, XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor, Sallie Mae ACCT # XXXX Sallie Mae ACCT # XXXX 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 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.