23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello : I was scheduled for a tire replacement at XXXX on XX/XX/year>. My appointment was at XXXXXXXX XXXX and I got there at XXXX XXXX Before they could replace my tires, I had to renew my expired Costco membership. I used my credit card to pay, but unfortunately, XXXX only accepts visas, not master cards, and I only have master cards. 

The employee mentioned they offer Visa credit cards and asked if I would like to apply. I said I would try since I had no choice. After filling out the form, the result was a credit card saying I would receive an email for the results. I asked the employee if I could contact Citi about why there were no results. 

So, I called Citi Card and spoke to a gentleman who stated that my credit was locked and that I needed to unlock it and call us back. So, I called XXXX and went through the process of unlocking my credit. I called Citi Card back, and I was on hold. While on hold, waiting for the representative, the tire department employee told me that I could buy the tires online and use any credit card. She said I could do that instead of applying for a visa card. 

When the Citi employee answered the phone, it happened to be the same gentleman I spoke with, so I told him that I did not need to apply for a visa because, per the XXXX tire employee, I could order the tires online and use any credit cards. The rep asked if I was sure I didn't want to proceed with the application. I said yes, I do not wish to proceed since I can order online. He said I won't press the button to proceed. 

After checking XXXX, I found out the hard inquiry had been submitted, so I filed a dispute. I contacted XXXX today, XX/XX/year>, and was told to go to this website, fill out the form, and file a complaint. 

I asked the Citi card employee to stop my application, and he agreed. I am filing a complaint and requesting that this hard inquiry be disputed. 

Thank you in advance for your time and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello There are fraudulent accounts on all XXXX of my credit reports and some items were deleted and some were not. I went to my local police station and explained to the officers that my identity has been compromised and as a results I have several accounts that are being reported that aren't mine. I have disputed again and again with the bureaus and all they keep doing is " updating '' the accounts. I do not believe I have been given a fair investigation from them. 

I need a fair investigation into the accounts I have mentioned in my letters which I will attach to this complaint along with the FTC report and police report. 

I hope something can be done before I am forced to retain a lawyer. 

Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/XXXX I received an email from Experian stating my credit score had changed. After checking for the change on XXXX website I noticed Experian or Fico dropped my score 53 points!!!! The reason they gave was " Increased usage on my XXXX XXXX account ''! The problem with this excuse for dropping my score 53 points is I haven't used my XXXX XXXX card since they increased my score to XXXX! My overall credit usage is 22 % and my XXXX  XXXX account only shows {$310.00} used on a {$500.00} ( The real amountowed is {$250.00} ). This is retaliation for the dispute already filed about their questionable practices!!!!
Product: Money transfer, virtual currency, or money service

My case reference ID with PayPal XXXX I used PayPal direct deposit to receive benefit payment into my account which was a total of XXXX usd On XX/XX/20 PayPal then limited my account same day I was unable to withdraw funds or even send money I contacted PayPal immediately on XX/XX/20 PayPal only response to me was they couldnt do anything my money was to be held for 180 days and that was it I have bills to pay that cant wait for 180 days to come I contacted PayPal on several occasions throughout the week and only got a sorry theres nothing we can do
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I took out a personal loan with XXXX XXXX with terms of 60 months ( 5 yrs ), monthly payments {$240.00}, due on or about the XXXX through XXXX of each month. I paid each month by the required date, and in XXXX, XXXX, I paid the remaining balance of {$2300.00}. To date, since XXXX, XXXX, XXXX XXXX still has it reported to all three credit agencies that I have paid on time, is up-to-date, but has only paid 77 % of this loan. On the credit reports, it shows paid each month, with a last payment of XX/XX/XXXX, but that the account is still active. I do not owe XXXX XXXX any money on this account. The account was closed upon me paying it off on XX/XX/XXXX. I have notified the bank several times to report this to the credit agencies, but to date, XXXX XXXX has not submitted this information.
Product: Consumer Loan

I took out a car loan with Chrysler Capital for a new car. My contract reads " Payments will first pay interest owing to the date you receive my Payment, then Late Charges, and the remainder will reduce the Principal Balance I owe. '' My contract also states " If I pay off early, I will not have to pay a penalty. " On the first month I made a double payment on XXXX check and in the notes I requested the overage go to principal. The payment was applied to the current months payment and the following month 's payment rather than my principal. I called in and they said that I needed to create a separate check that said " Principal Only. '' They corrected it so the second payment did go to principal. 

On the second month, I sent in two checks one for my payment and a second that said " principal only '' for a round number slightly less than my car payment. They apologized for the error and corrected it so the second payment did go to principal. 

On the third month, I sent in two checks one for my payment and a second that said " principal only '' for a round number slightly less than my car payment. This time they DID credit the principal only check to principal but they DOUBLED the interest on the check for the monthly payment and pushed the next payment two months further instead of applying it to principal. In other words, they did the same thing but tried to get cute with the accounting. 

I called and the person I spoke with said that I would have to call in each month to get it fixed. I said no, ma'am that 's not acceptable. My contract reads that overages will be applied to my principal. While I bent some with the separate check request in the spirit of cooperation, the truth is I should be able to send XXXX check in for {$1000.00} and have it applied exactly how my contract reads. They expect me to follow the contract or there are all kinds of penalties for me ; they should also have to follow the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the TransUnion, XXXX, and XXXX Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading and inaccurate to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe that the Credit Bureaus have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, # XXXX, and # XXXX and hoping that the following account be immediately corrected and or deleted on my Credit File : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  # : XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report inviolation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$1300.00}
Product: Mortgage

I have an XXXX  that holds an investment property. I took a loan on this investment property in the 3rd quarter of XXXX. The original lender sold the loan and its servicing rights to XXXX XXXX. Since that moment in time, I started having issues with their online portal as well as customer service. 

I experienced recurring issues with late fees due to lack of proper communication and system portal issues. I called customer service on XX/XX/XXXX to remove a late charge that they imposed on me. I made the loan payment plus the late charge. They cancelled my payment in order to clear the late charge but then they told me that I never made another payment. It feels like words are lost in translation and either I don't understand what they want or perhaps they don't understand what they want. I kept telling them that I need my late fees removed when suddenly i am getting additional late fees imposed on me. I asked to speak to a supervisor and they transferred me to a lady by the name XXXX XXXX. She did not want to help and was pretty rude over the phone. 
All in all, I feel that this lender is supposed to provide proper loan servicing services but instead they treat customers like they are trash. It is a very unpleasant experience. I look forward to refinance my loan asap just to avoid dealing with this company.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2019 ) Since then the account has repeatedly been updated as charged off. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021, I discovered that Nationwide Recovery placed a debt in collection on my report after failing to notify or verify the debt. I did not know I owed this debt. I feel like they should have given me a chance to satisfy the debt prior to placing it as a collection on my credit report. Some weeks ago, some unknown person contacted me that I owed money. They did not include the nature of the debt, the name of the person the debt was owed from. I requested verification of the debt. I never received that verification. I am not sure whether that entity is the same as the entity that placed this collection but if it, I should have received verification of the debt to give me an opportunity prior to placing the collection on my credit reporr. 

This creditor failed to notify me that there was a balanced owed prior to placing this account for collection. I want verification that this account is valid with the date of service, what service was provided
Product: Checking or savings account

I am banking with Capital one bank for about 5 years. I have checking as well as savings account with them. On XXXX XXXX a person to person money transfer was made from my account of {$600.00} to a person named XXXX XXXX by XXXX money transfer company. This transaction was not intiated or authorized by me.I called the Bank 's fraud hotline and made a complaint about it. They blocked my account for all transactions until they investigated about the problem Theyclaim that this transaction was authorized from my mobile phone and my password was used. I told them that my password is secured and my phone has been in my possession all the time during this period and I have a password on my phone also so no body else can open my phone. 
The bank is holding {$600.00} from my account and not crediting this money to me. It is bank 's responsibility to keep my account secure so they are liable for this money. I do not know the person to whom the money was transferred and I have never used XXXX company for money transfer in my life.Please help me solve this problem as soon as possible. My checking account no is XXXX from which the money was transferred by fraud.
Product: Debt collection

I made an arrangement with XXXX XXXX XXXX XXXX XXXX to pay {$220.00} for settlement of debt to be paid by XXXX XXXX, XXXX. I call the company on XXXX XXXX, XXXX, and spoke to a XXXX XXXX XXXX. I made the payment that same day using my debit card. XXXX XXXX sent by email the payment receipt dated XXXX XXXX, XXXX. I notice on my XXXX XXXX, XXXX, on my credit report for synchrony bank / JCPenny account in the comment section that it was purchased by another lender. So I contacted JCPenny and they told me that XXXX XXXX XXXX has this account. I asked why and told them that I had paid the account with XXXX XXXX XXXX. The representative told me that they did n't have any information concerning this company or payments and I would have to contact XXXX the lender. I contact XXXX XXXX and spoke to a XXXX XXXX concerning the issue. She told me to email to her the receipt of payment and she would get back to me. I received an email from her stating that the document I sent did n't show that the original creditor was XXXX that it was XXXX XXXX XXXX. She told me to contacted XXXX XXXX  about the payment and XXXX XXXX XXXX. I told her I did and they advise me to call her company. I asked her if she could send something stating that this payment was received to Experian Credit Bureau and XXXX XXXX / XXXX. She told me that they sent out this information to the credit bureau in XXXX XXXX and the company does n't do this anymore and she could n't help me. Therefore I should contact XXXX XXXX XXXX and XXXX XXXX again.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting app XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 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 can not furnish a account without my written instructions XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report and notice there were some accounts that are not mines, inaccurate and will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX XXXX # XXXX, Portfolio Recovery Associates, Chapter XXXX Bankruptcy I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete incorrect names : XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ohio XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Ohio XXXX Please Delete Telephone numbers that does not belong to me : ( 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 This is my number ( XXXX ) XXXX Please Delete Employment Data that does not belong to me : XXXX on XXXX, University XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX  account XXXX and XXXX XXXX XXXX account number XXXX. 15 U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on my credit report
Product: Credit reporting or other personal consumer reports

A student loan collection organization known as Nelnet is negatively reporting against me to credit bureaus for a student loan I've already paid off in full to a 3rd party collection agency. 'Account : XXXX ' is what Nelnet uses to reference me in their system. 

A collection account was opened by a different agency, XXXX XXXX XXXX XXXX, on XX/XX/XXXX. They directly contacted me soon after and I began to make payments towards my balance to the creditor ( notated as " XXXX XXXX XXXX XXXX XXXX  ). My last payment to XXXX XXXX XXXX is dated XX/XX/XXXX, I have documentation to reference my original balance, payment history, and now cleared balance. I will attach what I can now, please let me know if any additional documentation is needed. 

Nelnet continues to hound me for payment on this already paid loan, my primary goal is to have them withdraw/close any open account they have reporting to any credit bureau, and to potentially seek legal action for reparations for leaving my credit score at a disadvantage.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered that my name has been utilized without my permission, which constitutes a violation of consumer rights under applicable laws, including the Fair Credit Reporting Act and other relevant consumer protection statutes. This unauthorized use has resulted in significant distress and potential harm to my personal and financial reputation. 

I request that you provide clarification regarding how my name was used and the nature of the account in question. Additionally, I demand that you cease all use of my name immediately and rectify any records that incorrectly associate me with this account. 

Please respond to this letter within 14 days to confirm the steps you are taking to resolve this matter. If I do not receive a satisfactory response, I may consider further actions, including filing a complaint with the appropriate regulatory authorities. 

Thank you for your attention to this urgent matter. 
This is what was told the the company when contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX student loan company reported my account to the credit bureaus ( transunion, XXXX, and XXXX  ) as deferred. The account status should have showed on time due to covid-19. No payment no interest for six months. When it was reported wrong it allowed my credit score to drop 53 points. 
Right not there are millions of others as well with the same issue with XXXX XXXX. This is unjustly, and has majorly affected my credit score because of their error.
Product: Credit reporting or other personal consumer reports

Im trying to move into my home, Im fresh out of college & my credit score is poor due to these companies reporting. Case law ( 15USC1692c ) states. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt And reporting to my consumer report is a form of communication. Thats breaking the law. 
XXXX XXXX ( acct XXXX ) address : XXXX XXXX XXXX, XXXX Tx XXXX XXXX XXXX XXXX ( Acct XXXX ) address : XXXX XXXX XXXX XXXX, XXXX MN, XXXX Santander Consumer USA ( Acct XXXX ) Address : XXXX XXXX XXXX XXXX TX, XXXX
Product: Debt collection

I believe the account is invalid. AWA COLLECTIONS needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

AWA COLLECTIONS XXXX
Product: Credit reporting or other personal consumer reports

Multiple inquiries on my credit report, over the span of 6 months, there have been placed onto my credit report causing damages my credit score. I did not authorize any of the companies to use, pull, or check my credit report and Ive asked the companies to provide me with information that I allowed for them to check my report. None of my requests have been made and I am expecting that they take them off immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you if you taking the time to CORRECT some of the information in my credit file ; however, there are still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ).

as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. I hope this disputed account is updated. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}.