23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

There are XXXX collections on my credit report and a number of charge offs. I 'm fully aware of my lack of responsibility when I was younger. I 'd originally consolidated my debt through a company that is no longer in business due to bankruptcy " XXXX '' and I was unaware of their bankruptcy until I was harassed by debt collectors which in every right they did have the right right to do so because I was fully aware of my debts. However, I was trying to be responsible in consolidating all debts and paying back as much as I could. Now let 's fast forward almost seven years later since my initial irresponsible I did manage to pay some of the debt in full and or settled for a specified amount. As it feels great to have this behind me grant I am not proud of what I did in getting into debt I 've learned so much from this mistake that now at my age where I have clarity and know what I want out of life I 've managed to establish responsibility as an adult. However, now that I am taking my credit worthiness seriously I managed to run my own credit report through Experian to determine where I am at credit wise? I 'm very glad I did because within the report I noticed all my old irresponsible debt still haunting me and looking at the age of these accounts I did some research and noticed that creditors or credit collectors should of stopped negatively reporting on these accounts if they were settled. XXXX of my accounts from XXXX XXXX show " Collections '' however, I settled with a credit collector for the same accounts and that creditor shows " Charge-off '' On my XXXX report there is a discrepancy for a XXXX XXXX XXXX account where the account status shows " Open '' but on my transunion report it shows status as " Closed '' which is accurate because the specified amount was paid in full. Now I am not looking for an easy way out of my past its just that I want to move forward with my life and be able to purchase a home some time in the near future and I want to do whatever is necessary to get my concerns with my credit report addressed. I know this is my initial step in the right direction in getting my credit score back up even if its by a few points I want to know what are my options at this point in time? We all make mistakes and I 've learned from them in many ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  services provided documentation to remove this account from my credit file Equifax refuses to remove the account. Equifax does not read the letters provided in order to correct the credit. If this error does not get removed from my credit file asap, i will file court proceedings against them. i have further attached the documentation.   it has been over 6months since the last filed complaint that was never cleared.
Product: Credit card or prepaid card

For some reason they closed my account. Never had a problem with them. Always paid my bill on time. They just exercise their right to close my account. Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( XXXX ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention Complaint Department XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
XXXX, Ohio XXXX XXXX XXXX Loan # XXXX address of property : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Supporting Documentation is provided : DISPUTE : Nationstar/Mr. Cooper : Not disclosing accurate ( facts ) pertaining to ( my ) Mortgage Payoff ( to ) XXXX, XXXX etc. 

1. My attorney and his recommended Title Company closed on my house on XX/XX/XXXX It WAS NOT a : XXXX   # ( J. ) VOLUNTARY SURRENDER! As declared/ ( misrepresented ) by Nationstar/Mr. Cooper ( to ) XXXX, XXXX etc. 

2. OHIO LAW ALLOWS MY RIGHT TO SELL MY HOUSE I chose to sell my home IT WAS NEVER a XXXX  # ( K. ) REPOSSED. As declared/ ( misrepresented ) by Nationstar/Mr. Cooper ( to ) XXXX, XXXX etc.

3. The Payoff ( to ) the Mortgage Co. was {$180000.00} resulting from THEIR itemized List of added expenses! ( NOT ) only the principle amount of {$160000.00} but a PAYOFF TOTAL {$180000.00} ... Therefore it WAS NEVER XXXX # ( L. ) a Charge Off. ( misrepresented ) by Nationstar/Mr. Cooper : ( to ) XXXX, XXXX   etc.

4. Obstructing my ability to become current by NOT allowing me to make payments from XX/XX/XXXX to XX/XX/XXXX during their foreclosure filing.

That period of Not Accepting payments Needs to be WORDED by Nationstar/Mr. Cooper ( to ) XXXX, XXXX etc.

The Mortgage Company : Nationstar / Mr. Cooper XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone XXXX Thank You, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with SCA Collections showing on my credit report with XXXX ( from XXXX XXXX ) in the amount of {$33.00}. The account was paid in full on XX/XX/2019 and I spoke with XXXX at SCA,  who assured me a letter of payment and deletion would be sent to both XXXX and myself. As of XX/XX/2019, I have not received a letter and I verified with XXXX they have not either. XXXX indicated they update in live time and SCA has not sent it. However, SCA claims they sent it on XX/XX/19. Again, the account was paid in full, {$0.00} balance and SCA advised this would be removed from all credit reporting bureaus, with no further adverse affects. I need this taken care of as I am trying to clean up my credit report.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with Lvnv Funding, Llc company I believe the original creditor XXXX XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit card

As an original holder in due course I exercise my rights to initiate the consumer credit transaction with PNC BANK. I extended my credit to PNC BANK on XXXX. They ran my credit that I extended to them using my information with zero benefits to my self XXXX XXXX. This is fraud seeing how they benefited from my credit and I was denied a credit card. 
12 CFR part 1002 Equal credit opportunity Act says I can not be discriminated against.

I have been discriminated against and plan to uphold my rights till the extended line of credit is lawful and approved. Not only have I been discriminated against Im dealing with hardship so to this denial.

According to the federal law 15 USC 1602 and 1602 f the credit comes from myself XXXX XXXX. 
I demand that PNC BANK reconsider this action to comply with federal law so that my credit application be approve or I will have no other choice by to take this further action.

Failure to address this dispute properly may lead to further legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times with Transunion and XXXX XXXX , XXXX, that the collection on my credit report for XXXX Which went delinquent in XX/XX/XXXX ( with no further activity ) should be removed from my credit report. According to The Fair Credit Reporting Act, it states that negative items will remain on your credit report for 7 years from the first date of delinquency. However, XXXX has falsified and changed the date to XX/XX/XXXX in an attempt to keep the collection on my report for an additional 7yrs
Product: Debt collection

XXXXXXXX XXXX I provided insurance information. No respond. I requested validation of debt no response. I told them there was a new law that all XXXX XXXX must be removed as of XX/XX/2022 no response
Product: Consumer Loan

Paid off a vehicle load in XXXX and it still shows up as if it is not paid off in the credit reporting agencies.
Product: Credit reporting

equifax has been reported item on my report ... i have asked who verified this account who they speak too how did they verified it ... ..i reported it ..and i have XXXX or XXXX letter stating that it was verified ... thats all but I 'm requesting information and they do n't provide me with any proof ... ...
Product: Credit card

This complaint is in response to my former complaint, which you sent me an email to log into and submit my opinion on. AND EXACTLY WHY IS THIS ISSUE NOW CONSIDERED RESOLVED? IT HAS NOT BEEN FIXED, OR EVEN ADDRESSED! You allowed Citibank to respond. However, it does not appear to me that they were forthcoming or honest, YET YOU ACCEPTED THEIR RESPONSE AS FINAL. Citibank claims I have been logging in to their site late, and on days much later than I actually logged in, and that I have been submitting my payment late to them every month. First of all, this is preposterous! When I first discovered all the late fees and contacted Citibank, they admitted that, Oh, well that payment was submitted on a Friday afternoon after XXXX, so it didnt post until Monday, or Oh, well that was because Monday was a holiday, or Oh, well that was because the post office was shut down for bad weather. They initially admitted TO ME ON A RECORDED LINE all of these reasons why my payment was not applied for XXXX days. THEN, when I asked for a refund on all the late charges, THAT was when Citibank started claiming I hadnt logged in to their site and paid until days later than I actually did. I dont know if they werent processing the payments until late or what the issue was, but they were doing this every month. I INVITE YOU TO * PLEASE * PULL MY CREDIT!!!!! I have XXXX ( XXXX ) other credit cards besides my Best Buy Citibank card, and NOT ONE OF THEM HAS WVER BEEN LATE!!!!! I have NEVER had a late fee on ANY OF THESE OTHER CARDS!!!!! NOT IN XXXX YEARS! I have an XXXX credit score. THIS SHOULD BE ALL YOU NEED TO SEE TO RECOGNIZE THAT THERE IS A PROBLEM HERE!!!!! I have several bills, including my Citibank card, my mortgage, and my student loans, that are due on the XXXX of the month. EVERY payment to these bills is made from my last paycheck of the previous month, usually falling on the next-to last day or last day of the month. I pay ALL of those bills AT THE SAME TIME! NONE OF THOSE OTHER BILLS HAVE EVER BEEN LATE! NOT ONCE!!!! THE ONLY BILL PAID AT THIS TIME ( WHICH IS BEFORE THE DUE DATE ) THAT KEEPS BEING HELD AND CLAIMING TO BE LATE IS CITIBANK!!!!! I do not know what they are doing, but it is not right and you are allowing them to do this by not addressing it! SO IN RESPONSE TO YOUR EMAIL, NO, THIS ISSUE HAS NOT BEEN RESOLVED TO MY SATISFACTION!!!! CITIBANK NEEDS TO REFUND ALL OF THESE LATE FEES IT CHARGED ME, AND IT NEEDS TO STOP ENGAGING IN WHATEVER PRACTICE IT IS ENGAGING IN TO OBTAIN THESE LATE FEES!
Product: Vehicle loan or lease

On XX/XX/year>2025, a North State Acceptance representative told me they could not provide the auction receipt for my repossessed vehicle. However, after I filed a CFPB complaint, they changed their response on XXXX XXXX, 2025, and agreed to provide it. This contradiction shows dishonest communication. 

Additionally, my charged-off account is still reporting as open, which is inaccurate and misleading. I have also not received a full breakdown of the remaining balance after repossession.
Product: Vehicle loan or lease

I received a buyout from Ally Financial ( Ally ) for my lease of a XXXX XXXX XXXX. This buyout quote was for {$31000.00} and was XXXX through XX/XX/XXXX. The check was placed in the mail on XX/XX/XXXX with tracking services through XXXX. The check was awaiting pickup at the post office on Sunday XX/XX/XXXX at XXXX. Ally did not pick it up this day, presumably because it was a Sunday and therefore not a business day per Reg CC ( ex. XXXX XXXX XXXX holidays ). 
Ally assert that they received the check on Monday XX/XX/XXXX. When I realized the check did not arrive until XXXX day later I chatted with them through their online portal to confirm this would be okay. On XX/XX/XXXX XXXX XXXX from Ally informed me that there would not be a late fee until XXXX days after the due date of XX/XX/XXXX. 
After posting the payment to my account and showing a XXXX balance ( paid off ) they have now added {$240.00} to the amount owed. There is no way I could've know about this fee or how to avoid it since they did not inform me of it when I reached out and it is not in my contract. I assert that this fee is Unfair and Abusive due to the excessive amount and the fact that it was not disclosed. 
They are calling it a settlement fee and I have asked them to help me understand what this is and how they have the right to charge {$240.00} for a check being received on the first business day after the calendar day that it was due.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX Dob XXXX/XXXX/1962 Please remove the security / fraud alert from my credit profile, I never asked you to place this on my credit profile. It is illegal to place things on MY PROFILE WITH MY PERMISTION!!!!! 


XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XXXX XXXX
Product: Debt collection

Contacted me at my place of business and disclosed to my employer that they were a debt recovery company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some accounts on my credit report that do not belong to me. Please remove them immediately. I also don't have a bankruptcy in which I have provided them to you from the courts. This needs to be removed as well. I have provided my personal information, and note that I am NOT a credit repair company.
Product: Debt collection

Not sure why this complaint is being closed ... this is a collection agency reporting incorrect information. I need help getting this removed. I do not owe this collection. See Complaint # XXXX for details
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX To whom it may concern : I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by XXXX XXXX XXXX XXXX for me, XXXX XXXX, for account number XXXX. In the amount Of {$480.00} Due to possible inaccuracies in these credit reports, I lawfully request the debt validation be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally. 

Please know that you have 15 calendar days from the tracked and confirmed delivery of this notice to either answer these demands or to remove the associated negative trade line notations from reporting agency reports.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and found inaccuracy in my report and would like them to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I cancelled this loan transaction under the Truth In Lending Act. M & T Bank and XXXX XXXX XXXX, XXXX ignored my written requests to close the account even though I sent them via certified mail signature receipt the written and signed " notice of right to cancel '' which they indeed signed for. They are continuing to harass me over this and report it on my credit report even though I have formally disputed it. The cancellation of this account was recorded in XXXX County,  New Mexico and I can provide supportive documents upon request.
Product: Credit card or prepaid card

I had 2 purchases of a product using XXXX which was supported and paid for on my Capital One Credit Card. The items I purchased purportedly from a US company turned out to be from a XXXX company. The product was a cheap replica of the advertised merchanidise and no where near the what the advertisement claimed it was. When I complained to the merchant, they were very precise in their wording, stating that they shipped the product as instructed, that although it was exactly what was advertised it was very close and still offered some of the advertised benefits and that they offered to allow me to keep the product and give me a 50 % refund. 

I accepted on the smaller order but refused on the larger order as you will see in my uploads and stated that they needed to provide me with an RMA and prepaid return mail and 100 % of my money back. Capital One stated its VISA 's policy that there is nothing they can do becuase I was offered a partial refund and refused it. 

This was a scam by a XXXX company to sell something other than what was advertised. They even admitted it in an email and now both XXXX and Capital One Visa are telling me I am out {$290.00}. The name of the fraudulent company is XXXX XXXX and they are selling knock off XXXX XXXX ballistic helmets that are nothing more than cheap childrens plastic toys. these are supposed to be XXXX helmets - they are nothing of the sort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of Identity Theft, which has resulted in a negative impact on my credit history and ultimately my financial wellbeing. This has been hurting me as I am in the process of buying a home for me and my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
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
Product: Checking or savings account

On XX/XX/2021, Chase Bank allowed a transfer from savings to checking in amount of {$60000.00}. On the same day a fake check was written forged and cashed in the amount of {$57000.00}. This check was processed at CHASE BANK. I was not notified about this transaction nor was my Mom and we had a limit set on the account. This check was dated for XXXX. Please note the DATE of the check. 
On XX/XX/2021 another phone transfer occurred in the amount of {$20000.00}. There was a second fake forged check processed by CHASE BANK on the same day in the amount of {$22000.00}. 
On XX/XX/XXXX I noticed when I went to pay my bills that I had minimal funds in both my checking and savings account. I notified Chase Band immediately who then contacted claims and directed me to file a police report. I filed my police report on XX/XX/2021 and have been trying to work with Chase to get my funds returned ever since. 
The representative from Chase Bank ( local branch ) from the beginning said I would have funds in 3-5 days. It is 21 days since I contacted them and they now are saying that this situation was beyond THEIR control at the local level. Now the XXXX XXXX, that has just seen the case states that it could be XXXX days, that I can not get my insured money returned until they have gotten the money back. It has only been this week that we were told it was escalated to the level of the XXXX XXXX ( XXXX XXXX XXXX XXXX ). Now we were told it could be longer. 
I can not wait that long! This was all of my savings!! I have rent, car payment, credit card bills to make. I am working as a XXXX / XXXX XXXX XXXX and in school. This has been so stressful and it is the bank that allowed these transactions to happen. The bank that I trusted with my hard earned money violated my trust. 
This should have been prioritized from the very beginning! It took two weeks of being dragged along at the branch level before they presented this to the escalation committee. 
Where is the concern for my welfare?? My cash is gone! How am I to hang on for another 3 months before this is resolved. Does the consumer/ customer have any rights at Chase Bank . PLEASE represent me and my consumer rights with this company.