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

In XXXX of 2021 I began going to XXXX XXXX XXXX as recommended by my doctor. I received one bill from them sometime in XX/XX/2021, I suppose after they had charged my insurance. I went online to pay the bill but their payment portal was giving me issues. I called the location and, in turn, they had to call another location for assistance. I was then informed that they do not take online payments. After that call, I made several attempts to pay by cash at ghe location but was told they do not accept cash, by phone via credit card but something was wrong with their system, etc. I was supposed to get a call back but I suspect it slipped the mind of the receivables department. It also slipped my mind. I never received any other correspondence from the company. I then thought about it either XX/XX/2021 or XX/XX/2021 and went to the location to pay and was told that it had gone to collections. I was goven the information on the collections agency. That is when I found out that that agency has already reported the account to the credit bureaus. I had received to communication from the agency at all nor any communication from XXXX XXXX XXXX since XX/XX/2021. The bill was for {$280.00} originally. I pay my bills and would had no issue paying this one either. The {$420.00} includes a collection fee of approximately {$130.00}. I called the collection agency to pay the fee after having a conversation with the representative on the account. He stated to me that if I paid the agency would remove the account from my credit report. I asked for that in writing but was told that the agency doesn't have to do that and that I would just have to take their word for it. This seems like bad practice all the way around fron the XXXX, to Tele Recovery to the way the credit bureaus ( XXXX and XXXX ) handled the whole thing. This issue dropped my score from over XXXX to mid XXXX and now I have a derogatory mark on my report for nothing.
Product: Credit reporting or other personal consumer reports

There is incorrect information on my credit report. 
My credit report is reporting an account on my report from XXXX XXXX XXXX which is indeed not my account. I would like this account removed. It is not accurate. I disputed this with XXXX, Equifax and XXXX plenty of times with no resolution. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In gonerallf, atter 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 cannol be verified, the consumer reporting agency shall ( i ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information rolating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan

I was approached by a company called big picture Loan 's and was approved for an amount of XXXX but I only borrowed XXXX and I was told that I would only have to pay XXXX back in total and that I will only pay around XXXX a month until it 's paid off but the first 2 payments that was taking out my account was for XXXX dollars so I called and the lady told me that I will be paying that for the first five payments for a finance charge and that none of that will go toward my principal and I was not informed of any of this at the time I did the loan
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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. 

This company 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the following three credit reporting companies a letter disputing the accuracy and asking them to verify an inquiry on my credit report back on XX/XX/XXXX. I asked them also to block and delete this account because of identity fraud and the lack of accuracy. They have responded by saying that XXXX XXXX verified the account with accuracy when that is not the facts. So I again have a few questions about those inquiries. Is it true that in order to pull someones credit report, you need a permissible purpose to do so? If that is the case, then why did the companies XXXX, XXXX, and Equifax pull my credit without my authorization? 

The XXXX XXXX Account XXXX reports different when looking at the other two credit reporting companies. XXXX  shows paid when looking at the account status, XXXX  shows that it is closed and Equifax shows paid. To me, it does not seem to THAT XXXX  XXXX  nor Equifax verified this account with maximum accuracy. Also nor have I consent, authorize, or benefited from the credit. This my second time corresponding with them in an attempt to resolve this matter because the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. To date, the financial injuries are the cause of unauthorized inquiries. It affects my ability to attain credit from chase because of their XX/XX/XXXX rule. Due to identity theft in this matter and lack of accuracy of the information and verification. The three credit reporting companies have not enlisted within my profile that the inquiry has been disputed.
Product: Credit card or prepaid card

On XX/XX/23 I have followed up with this complaint that has been ongoing for the last XXXX months. Everyone in the bank divisions in the USA and abroad has been passing the buck. 

Some one used my information and opened an account with FifthThird Bank. I contacted the bank and explained that I was not aware of the problem until I received a statement saying that I owed money. I called and told the bank that someone must have committed fraud using my name and information. I asked them to close whatever accounts they have in my name and to not send me a replacement card or anything. I told them that I did not have a desire to do any business with their company at all.
Product: Credit reporting or other personal consumer reports

I was the victim of fraud, I request proof from XXXX  XXXX XXXX which they never provided and the case went to court and I was ruled against because I had no proof, the court issued garnishment against my wages which has been deducted weekly from my salary and paid to the attorneys representing XXXX  XXXX XXXX, which is not applying it to my account and continues to report me late monthly and also an incorrect amount.
Product: Checking or savings account

XXXX was charged overdraft fees on 3 items 2 where less than the fee as low as {$5.00}. They where able to do this because they removed funds from a higher payment first causing my account not to have enough for lower payments. I also electronically deposited funds but they added next dat saying pending
Product: Checking or savings account

I made a complaint on XXXX about my account being froze for no reason, and immediately after my complaint my account was unfroze and I was able to use my card. I deposited a check at the atm for {$2500.00} from XXXX and my deposit was accepted. It was pending credit because I did the deposit on a weekend. When the bank opened the following day my deposit was removed from account as if it was never deposited. I contacted the bank and I was told my account was pending closure for whatever fraud reason they came up with. This was done in retaliation because of my previous complaint with CFPB. Now my check is void and I dont have it in my possession. My check has been written on with my Centinnial account number so it is void and no longer good. Now I have a pending closure due to personal decisions, and I am left with life issues to face. I ask that this situation and employees be governed for constructive fraud.
Product: Credit card or prepaid card

I purchased software from this company which included registering my company name and address. I then downloaded the software. I needed to make a change to my software last year to conform to the CFPB banking guidelines on disclosing my locations to the consumer as required by law. They made the change over the phone. This year I needed to change my address again, and the company told me I had to pay them an additional {$300.00} to update my address and support. I told them I did not want to get support and pay the additional fee. They told me I could not update my account information from the purchase unless I paid NOW for the annual support. They are using this to NOW blackmail people into buying support for the year. I was never told when I purchase this that I would have to pay for software support just to update my address in their system and on my software. I just wanted my software address updated as I did for 3 years at not cost because its just my account address. This was never disclosed and is a violation of XXXX Policies of Bate and Switch. I will also be filing a complaint with BBB and CFPB Banking Violators This should never be allowed to happen to any consumer and policies should be stated upfront if they are now going to hold consumers hostage to collect support money. 

I was my address updated in their system and showing in my software. XXXX XXXX XXXX XXXX, XXXX CO XXXX. 

Thanks addressing this Bate and Switch Complaint! 

XX/XX/2018
Product: Credit reporting or other personal consumer reports

Per the FCR as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non- verbal per 15 USC 6802. I'm exercising my rights to Opt Out from consumer reporting. I've attempted to and was denied my federally protected rights per the Privacy Act of 1974. See attachment for further details on the creditor and account details.
Product: Credit card

I recently looked at my credit report and there seemed to have been some changes on a Capital One charge off account from XXXX. I have disputed this account in XXXX because of reports that is still showing charged off in XX/XX/XXXX when I paid the account in XX/XX/XXXX which is an error. I also took measures to email the CEO, XXXX XXXX on XXXX, and XX/XX/XXXX at an attempt to resolve this matter and was met with no response for all three attempts. As of XX/XX/XXXX XXXX showed me the account that was negatively impacting my score and suggested I reached out to the lender, which is Capital One. I called the Capital One customer service line XX/XX/XXXX. I spoke to an account representative to try and resolve the issue and to see what information specifically was being reported. I wanted to file a dispute about the information reporting to my credit and the representative made me aware that my dispute that I had submitted from a year ago, XX/XX/XXXX had was showing still in progress so they did not let me move forward submitting a current one. I asked to be transferred to their supervisor in hopes of getting answers why a disputed I submitted a year ago was still being investigated. The supervisor could not provide me with any helpful information and suggested that I reach back out to them on the dispute I submitted a year ago, I was not reassured that I was going to get any help with a contact back or when I should expect for the issue to be resolved. I feel like because this issue was not resolved properly with Capital One a year ago and is the reason why my credit report is being adversely affected. The dispute has been in the system for well over 30 days and I am feared that my personal information is at risk due to the lack of security and urgency for my issue.
Product: Credit card or prepaid card

Hello. First of all since I find out about Identity Theft. I'll been started checking all my accounts. It is causing me a lot of stress and dealing the feeling of XXXX  this situation. I noticed I'll been charge monthly through to my Capital One Credit Card, with this tracking websites called ( People XXXX & XXXX XXXX XXXX ). Some of the charges it go through to my Capital One Credit Card, some of it are declined because I don't have money in my Credit Card. I did called the Capital One Credit Card and explained about the charges I didn't subscribe. I did get refund some of it and change the cards. But still I notice they still keep trying to charge my Capital One account. I'll been down and sometimes cant think the solution how to pay those bills or charges I've never made. I am a single mom and I am the only one paying our apt XXXX Most of the time I take off from work because I cant think straight. Specially I work day and night and dealing this stressful Identity Theft. I need help and I hope the person who did this to me the authority government will catch them soon. I have documents statements from my credit Card charges and I will attached in this letter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XX/XX/2022 I contacted several insurance companies about auto insurance. My current auto policy is do for renewal so I am shopping around. I received several quote that are substantially higher than my current rate. The agents told me that I had several auto accidents and citations on my driving record. They told me they where getting this information from Trans Union XXXX XXXX. 

I contacted the FL DMV to verify there was not accidents nor citations on my diving record. I tried to contact TransUnion but they told me they do not report driving records. They told me that they know nothing about XXXX XXXX. 

I contacted TransUnion XXXX XXXX. They referred me to TransUnion representatives who told me again they do not collect driving information. 

https : //www.transunion.com/product/XXXX
Product: Credit reporting or other personal consumer reports

Wellsfargo use my account in theft and put me in a messed up situation I have no car home and they took my job pay check from me I sent a mediation but aint heard back I believe they need to pay for all the damage they cause now I cant evening get a acoustic with another bank they destroyed my life
Product: Student loan

My student loan is XXXX I only borrowed XXXX navient just keeps giving me forbarences and deferments I have been a XXXX  in ny for 16 years and I should have had my loans forgiven. Navient never enrolled me in the program. I filed chapter XXXX bankrupcy in 2015 and navient has not removed the loan from my credit report.
Product: Debt collection

on XX/XX/XXXX I XXXX XXXX XXXX and ankle and visited two different hospital emergency rooms. 
The first one was at XXXX XXXX XXXX. The second was XXXX in XXXX. 
I begun receiving bills from the hospitals and the ER physicians in late XXXX and XXXX. It was easy to identify who the bills were from, what the bills were for and all entities were willing to work with me since I was uninsured at the time. 
Three days ago on XXXX I received a pink past due notice dated XX/XX/XXXX from Americollect in XXXX Wisconsin. They say I am overdue to pay a company called XXXX XXXX two different amounts - {$36.00} and {$40.00} totaling {$76.00}. 
# 1 I have no idea who XXXX XXXX is and I have received no correspondence.or bill from XXXX XXXX. I am assuming that maybe it has to do with XXXX  of my XXXX XXXX and XXXX? 
# 2. Even if this is a legitimate debt although I haven't been billed, how could this be in collections less than 60 days from the time I could have incurred a charge. 
# 3 Due to XXXX XXXX I can't move about. I called the collection agency to dispute but they would not accept that and told me I had to put my dispute in writing and mail certified ( which would be a problem for me ) My issue is how can I debt I never knew about be in collections in way less than 60 days. Even if XXXX XXXX had sent me a bill in XXXX I would not have been considered over 30 days late at time this collection notice was generated. 

I try hard to keep my credit okay. I contacted the hospitals and they are working with me on reducing charges and accepting a payment plan. Whoever these people are, they are ruining my credit and I have never had a chance to know if I was charged and what I was charged with.
Product: Debt collection

The day that I got paid and was going to make a car payment through an extension request I had a repo man from the company XXXX XXXX XXXX XXXX show up to my house I had just received a text message an hour before he showed up..He had not latched on to my vehicle and I had asked him to please leave because I was getting paid today and was going to make a payment on my car but he refused to leave. I then called the finance company Westlake Financial while he was there and stated to them that I was getting paid today and that I had a legal right to ask him to leave. I even told the lady on the phone that I would even make 3x the payment over the phone and she told me that I was wrong and that it is legal to breach the peaceful request I had made for him to leave and to take my property regardless of my request. He also stated that the conversation was being recorded with a camera and I was crying the whole time because he was refusing my request, I have the screenshots of my deposit date and also the phone call to Westlake Financial who also talked to me like I was an XXXX and didn't know my repossession rights. The XXXX XXXX was also belittling me by making snide remarks like " I can just put the latch on your car real quick '' as I was talking to the finance company in regards to him not being attached to my car and how I asked him to leave. She even told me that he needs to get paid for his job so he has to take the car or he doesn't get paid. After about XXXX minutes of crying because he refused to leave. Telling me its legal and he can take it if he wants and that I couldn't stop him I just let him. I was completely respectful to this man..I even called him " Sir '' Once I had contacted Westlake Financial again. The {$230.00} car payment I was going to make that day turned into me having to pay {$7700.00} if I wanted to have the car back in which I was unable to do and was sold at an auction. Keep in mind I paid off half the auto loan up front before even driving it off the lot. I was treated with disrespect from the repo company who kept challenging my rights telling me that he knows the law and went against my wishes for him to leave. This is all recorded from his truck through a camera they use and also, every conversation that Westlake Financial has with me that day is recorded and you will hear how emotionally upset I am with the fact that he is ignoring my wishes and forcefully took my car and when he asked for my key I told him I was going to try and pick up the car ( this is before I knew it would be {$7700.00} to get out ) he told me " That is what they all say '' and then used a scare tactic by telling me I would have to pay {$300.00} if I didn't give them the key
Product: Credit reporting or other personal consumer reports

Transunion is report inaccurate car payment balance that has been paid off about 1year XX/XX/2022 now balance of {$2200.00} still reporting incorrectly