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

This debt has been a burden on my credit report for a long time. The first issue is that its a closed account still reporting late payments. Second issue is that the debt is no longer owned by this company. The debt is owed to XXXX XXXX. Also, When asked to verify all 4 exact same debts i was told that it was " verified '' no type of documentation or signatures. These duplicated ( 4 In total ) accounts are bringing my score lower and preventing me from getting a home. I will like the outcome of this complaint to be all accounts ( 4 in total ) labeled " DEPT OF ED/XXXX '' be deleted.
Product: Debt collection

I owe a loan i took out from company Oportun in XXXX california. i owe about XXXX i have fallen behind since i had a baby and then was on XXXX and quit my job found a new one but i couldnt catch up to continue making payments and they have called me non stop and are now calling references telling them about my debt information which i called today and asked them to stop but since i have also told them to stop calling me that freedom debt relief would contact them they will probably continue discussing my business with my references i put for me to take out my loan.
Product: Credit reporting or other personal consumer reports

Bank of America ran my credit information XXXX  times without my authorization. I have not affiliations or accounts with Bank of America. I have not authorized Bank of America to run my credit. I told them that and they did not remove the XXXX inquiries. They're still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report before going to purchase a car and I noticed these accounts that don't belong to me. 

1. XXXX XX/XX/XXXX {$430.00} 2. XXXX XXXX XX/XX/XXXX {$110.00} 3. XXXX XXXX XX/XX/XXXX {$220.00} 4.XXXX XXXX/ XXXX XX/XX/XXXX {$260.00}
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not clsose this complaint stating it is not me. I am a natural person and a consumer.
Product: Student loan

I received numerous letters to my inbox saying " Congratulations! Your student loan has been paid in full! '' The letters, which I received for each of my loans on XX/XX/23, said that my balance was paid in full. Such an enormous relief! Only to later find a payment due ( {$140.00} ) and a balance displayed ( {$140000.00} ). The payment activity says paid in full, my inbox says paid in full, but I'm also showing a balance and payment due. How is this an acceptable way to conduct business? It is so wrong to " mistakenly '' send these to people and calls into question the accuracy of their records. I sent a request weeks ago for my full account documentation and have received no response. What if I relied on their letters of a XXXX balance? This is unacceptable.
Product: Student loan

I have had my loans since 2004 and was told at the time that they should be paid off in 10 years and I still have more than {$5000.00} left on the loan that was only a little over {$10000.00} I attended XXXX XXXX which is no longer in existence
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions. have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I started off with a low interest rate on my Apple Card. They have now increased the 27.24 % when my balance went up making it impossible to pay my balance off. It's ridiculous they're taking advantage of lower income households during this struggling economy.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I'm attaching my Federal Trade Commission Identity Theft Report and an Official XXXX Police Report as proof of my claim. 

Immediately delete the following fraudulent inquiries account from my credit report : 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
Product: Debt collection

This company is trying to collect a debt that is not owed. XXXX has been continually trying to charge me for XXXX phones that were RETURNED to them. I sent this collection company a dispute letter and they never verified the debt, Instead they put it on my credit report and are ruining my credit for an invalid debt. This company is violating the FDCPA. This is a fraudulent debt and this company has not provided me with the requested debt validation letter.
Product: Checking or savings account

XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has submitted fraudulent checks to withdraw funds from my checking account on two occasions. Funds were sent to TD Bank. The transaction is difficult to stop without closing the checking account due to XXXX XXXX XXXX having my account number. 

A phone number on the fraudulent check provides no resolution option, simply hanging up on the called ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my Auto Payment is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX : {$2400.00}
Product: Checking or savings account

I have been giving my bank the reference number they had given me while opening a new active cash card and they been playing with me all day and nights making me lose my customers..this isnt fair at all
Product: Checking or savings account

I noticed on Monday XX/XX/XXXX hat some payments came out and were going to cause my account to overdraft so I made a deposit to cover the amount and leave extra in the account. After the deposit, other items came in the after noon but there still was enough money to cover all the items. When I woke the next day ( Tuesday XX/XX/XXXX ) I checked my account and it showed all items cleared and a positive balance remaining. However, when I went to put gas in my car to go to work my card was declined. I checked my account and had been charged 6 overdraft fees. I called the bank and they said that the deductions had cleared before the deposit, even though all items were shown clearing on the same day. I asked when some of the items were presented to the account and though they admitted they had been presented after the deposit they could not explain why I had received the fees yet still refused to refund them. Pending deductions are immediately taken from the balance of the account but it seems as though the bank doesn't credit deposits in order to cause overdrafts and charge fees. After 6 overdraft fees ( totaling {$210.00} ) my account is overdrawn {$140.00}. When asking for an explanation, all they could tell me was " that is how the system processes ''. If a bank is going to deduct charges from an account immediately they should credit deposits as well, or only fully deduct once things " post ''. It seems predatory to take money immediately but constantly hold deposits.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/1996 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the accounts listed be removed immediately : - XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more than 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently obtain a copy of my credit report due to covid and noticed accounts i did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT WAS APPLIED FOR IN MY NAME THAT WAS NOT ME
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 XXXX reported that my vehicle was repossessed. I never missed a payment on the account, and it remained in good standing. However, XXXX will not remove the repossession from my credit report. 

I have reached out to XXXX, XXXX, and Experian on dates XX/XX/22, XX/XX/22, XX/XX/22 and neither company have been able to adjust my report appropriately. Since that time, i've been unable to be approved for funding due to the incorrect nature of this situation. I have reached out to XXXX 3 times in regards to the incident on XX/XX/22, XX/XX/22 and XX/XX/22 and the associates I've spoken with have denied to remove the falsely reported items on my report.
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 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

These inaccuracies are keeping from getting things like loans and a newer car.
Product: Debt collection

I first received a letter from Southwest Credit Systems, L.P. on XX/XX/2022 however I did not recognize the debt because I know I owe nothing to XXXX  as I never used their services and returned the phone back to them without using it. They told me I wouldnt be charged and at the time I believed them. I sent out a cease and desist letter to Southwest Credit System , L.P. on the same day when I received the letter but that didnt stop them from mailing me for the second time today dated XX/XX/2022, attempting to collect my debt again after I have requested for them to refrain from contacting me. I have all evidence that you may need included.
Product: Credit reporting

On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX XXXX XXXX after not receiving a response, I sent my letter of concern to the XXXX credit bureaus addressing my concern. XXXX XXXX XXXX responded after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX i was approved for a business loan with XXXX. My XXXX shortly after tool a financial loss that resulted in closer due to damages from multiple natural disasters that took place between XXXX and XXXX. 

XXXX has been reporting on my credit reports as a collection debt and is now being reported as a new collection under a different company so it appears on my credit report as a double debt. 

I like to have this business debt removed from my personal credit report. 

This collection is causing it to be default to be approved for rental properties to live.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XX/XX/year> Medical XXXX
Product: Mortgage

I have applied for a loan modification and was denied due to " Insufficient Monthly Payment reduction '' at this time my interest rate is 6 % and I am working as a sales person and I also have rented a room out to try to make ends meet, I can start making payments but this is the answer I got, Nationstar is refusing to lower my interest rate and modify my loan so I can afford to keep my house.
Product: Vehicle loan or lease

XXXX XXXX is the company. My complaint is for Unfair Trade Practices. Their website provides incorrect contact information, two phone numbers both go to an automated teller. One states it is to contact a Customer Service Representative. The website shows incorrect available hours - the site shows XXXX to XXXX. Customer Support is available XXXX-XXXX but I only found this out after making three different calls. They contacted me in regards to a late payment on XX/XX/18 stating I needed to contact them to avoid delinquency. I called them as directed but the CSR did not mention I could pay by check over the phone or that I was required to make the  payment that day. The CSR went into sales mode and starting discussing loan modification. I called a second time that same evening because I wanted to confirm if I was required to modify my loan or if it was optional. In both calls I communicated that I would make a payment on the XX/XX/XXXX and a 2nd payment on XX/XX/XXXX. The next day, XX/XX/18, they hit my credit score. If they had been upfront about what was going to occur I would have made the payment on XX/XX/18. Today I contacted them to discuss this and I was told that they were not credit counselors and were not required to provide that information. I was also told they don't take payments in advance. I made a payment today on-line ( XX/XX/XXXX ) and then made a second advanced payment for XX/XX/18 via a phone call. I received a confirmation number for the XX/XX/18 payment. Which is it, they take a payment in advance or they don't? Is there no honesty in banking any more. XXXX XXXX got away with being shady and now BB & T.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request to Equifax, XXXX XXXX XXXX as well to the Company itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been XXXX days late. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency.
Product: Debt or credit management

FDR is a voluntary program. They refuse to allow me to cancel. They charged and overdrew my checking account! I've called them 3 times. I never received an email confirmation that I've requested to close my account. They are making a bad day even worse. I don't know what else to do at this point.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$990.00} XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$7700.00} XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian for many months now has been reporting that I live in two states at the same time, XX/XX/XXXX and XX/XX/XXXX, which is causing problems with my credit. 

I have attempted to have Experien correct this but they refuse too saying that the card company : XXXX/XXXX XXXX XXXX confirmed that it was my address. Experian advised that I should have the credit card company correct my address. 

Today I spoke with XXXX/XXXX and after 3 calls spoke with their Fraud department. 

Here is the problem : My daughter needed a credit card to pay for medical expenses, and the company wanted me to co-sign her application. I did this, its her card for her medical expenses. We set up this account in XXXX when she lived with us in XX/XX/XXXX. I do not have a card for this account, I do not use this account, this is used by my daughter XXXX XXXX. 

My daughter moved to XXXX XX/XX/XXXXso advised the bank of the new address. The bank thought that it would be a good idea to report this address to credit bureaus as my address as well as her address, their internal card management system does not cater for two addresses on a card account. 

I also have another credit card with XXXX which is through XXXXXX/XX/XXXX. On this card they have my address listed as my XX/XX/XXXX address, which is : XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX. 

XXXX have knowingly reported that I live in both XX/XX/XXXX and XX/XX/XXXX. This is deliberate fraud, and is causing undue harm to my credit and my ability to open a new Bank account and casting doubt on my real address to those requesting credit information. 

I have spent a lot of time on the phone today, XX/XX/XXXX speaking with XXXX ( XXXX ) who agreed it was a problem, and the fraud department, XXXX. Who felt the best way to resolve this would be to change the address on the account to my XX/XX/XXXX address. 

This would then create another fraud, by reporting that my daughter XXXX XXXX who lives in XX/XX/XXXX also lived inXX/XX/XXXX! 

This is a business who obviously do not care for the credit of their customers, who feel that because their computer software system does not cater to account co-signers living at a different addresses from the actual user of the account, reporting a fraudulent address is therefore justified. 

I did speak with one customer service agent at the bank, XXXX, who said that she would elevate this as an issue and that I should hear in 30 days. 
I need this fraud to end immediately! I can not wait for 30 days beyond the end of this year. 

Please advise all credit bureaus to immediately remove the XXXX address from my record such that I can open a new bank account.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Debt Validation Request To whom this may concern, I am writing in response to a debt collection notice I received from your agency regarding the alleged debt you contacted me by mail, and identified the debt as XXXX, in the amount of {$2900.00}. Before I proceed with any further actions, I would like necessary information to be provided to validate the accuracy of this debt.

As you are aware, according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify within 30 days. Please provide and respond to the requested information below : -Document proving ownership of the debt -Proof of how the company assess the debt and current balance ( Are there any additional interest, fees or charges that may have been added since the last billing statement from the original creditor ) -Payment history from the original creditor & the final payment made on the account -Copy of the original contract bearing my signature of agreement -Chain of title on the debt -Bill of Sale -Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitations expiration date for this debt. 

Please also provide proof that [ XXXX XXXX ] has the right to collect this debt within the state of FL. I would also like proof of your current insurance bond. 

I am entitled to all information listed above and I request that you cease all collection activities until the debts validity has been verified and the requested information has been provided. 
Please be sure to forward all correspondence and documentation to the address provided above. 
Thank you for your time. 

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

I spoke wit h two  representatives from  XXXX   XXXX   XXXX  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the last  five  years, but nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of   XXXX   and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  XXXX  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from  XXXX  showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX