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

I have reply contacted XXXX  and Experian to remove account that are reporting invalidly reporting the following accounts are incorrect XXXX XXXX ( XXXX XXXX  ) the balance is XXXX not XXXX ; XXXX   was never late, XXXX was never late and doesn't have a balance its paid in full as agreed XXXX ; XXXX XXXX XXXX was never late its paid in full balance XXXX. XXXX XXXX XXXX XXXX and XXXX are both due to ID Theft and need to be removed in their entirety. I have received notices that the items were deleted and updated and somehow they were re-inserted invalidly.
Product: Money transfer, virtual currency, or money service

I have purchased a few different items through Zelle and XXXX XXXX XXXX, but a specific watch turned out to be a fake after I was led to believe it was a real one, and a concert ticket that ended up being a scam. Both times, Zelle sent me to XXXX XXXX XXXXXXXX and XXXX XXXX  XXXX said they could not help me since I had recieved something, even if it was not what I had originally agreeded to purchase. I have never felt so at a loss of help.
Product: Credit card

I applied for a one-time use charge card with Affirm, I was denied because of my credit history. This denial was based on a consumer report. I extended my personal information and social security card ( credit card ) in good faith that that would allow me to obtain this financing to purchase a laptop for school. I extended my credit to the company but received no benefit and no approval. This is a violation of the Equal Credit Opportunity Act which states that you can not deny a consumer access to credit for any reason. Credit is a right of all consumers, so you can not deny me access to it. I demand to be allowed to obtain financing through use of my credit so I can purchase the laptop I need for personal, family, and household uses.
Product: Vehicle loan or lease

Bank of America age discrimination on auto loan XX/XX/2020 loan amount {$26000.00}. 
Loan approved in XX/XX/2020. 
Loan denied XX/XX/2020 Credit score XXXX On time payments 500+ Semi retired never missed a car or mortgage payments Bank of America discrimination method is to discredit elders who pay bills on time. Bank makes more money on higher interest rate customers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXXXXXX, has violated my rights. 

XXXX XXXXXXXX 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 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 antedate 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.
Product: Debt collection

I noticed that theirs a debt collection in my credit that is not mine! I tried sending dispute letters twice!! I tried calling them and talking to them, and they are still making me pay something I never even knew it existed!!! The amount is XXXX dollars from XXXX XXXX  XXXX, and apperantly it was opened XX/XX/2017, I tried talking to them, sending disputes and they wont help me, they only want me to pay something is not mine!!!!
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the numerous attempts I have made to rectify the issue of a late open account with your company. Despite my persistent efforts to resolve this matter, I have not received the necessary assistance or cooperation from your team. 

This ongoing delay has not only caused inconvenience but has also had a negative impact on my financial standing. I believe in fair and transparent business practices, and it is disheartening to experience such a lack of responsiveness from a company of your stature. 

I kindly request that you investigate this matter promptly and take the necessary steps to rectify the late open account issue. Additionally, I expect a thorough explanation for the delays and a commitment to improving your customer service procedures to prevent such issues from occurring in the future. 

If this matter is not addressed within the specified timeframe from the date of this letter, I will be forced to explore alternative courses of action, including filing a complaint with the appropriate regulatory authorities and seeking legal counsel. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXXXXXX XXXX Balance : {$190.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE CLOSE 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. 

XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. Additionally, this just proves your lack of proper record keeping. Now, this item is reporting to be past due, yet it is closed and the balance is XXXX. Lets correct this immediately! This is your final chance to resolve the inaccuracies on the item : XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX
Product: Debt collection

Reliant Capital Solution XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX has been sending me collection notices in the amount of {$2200.00} the collection has bin reported past due balance. I do not know this company. I have never done business with this company. This company does not have a contact with signature.
Product: Money transfer, virtual currency, or money service

The complaint is against PayPal. I have had an account with PayPal for a long time that I rarely have used except maybe 1 or 2 transactions over the life of the account since it was created. They placed my account on a temporary restriction and requested information from me to resolve the account restriction including linkage of a bank account and photo ID. These documents were submitted and accepted when I was logged into my PayPal account. 

Today, I received an email with a receipt indicating a purchase through PayPal that appeared to be a scam. I do not use PayPal. I logged into my account on the legitimate PayPal site to close my account which I was unable to do so. The site indicated that I needed to resolve issues with my account to remove the limitation and could not close or delete any information until that time. I also found the attached notice that stated, " We're permanently limiting your account. You can no longer use PayPal as we've decided to permanently limit your account after review. '' I called PayPal today at XXXX and spoke with XXXX. She stated that PayPal determined that transactions on my account were a security threat to PayPal and its users despite seeing that the account is not used. She stated that I could not close the account or delete any information with the permanent limitation status that she could not override. She would not immediately state the reason that my account was permanently limited but then stated it was due to the photo ID that I submitted upon their request that created the issue but would not tell me anything more. She said that I could submit another photo ID for review. I refused stating that I would not provide any further information since PayPal was not letting me have control over it. She kept referring back to the User Agreement. She could not do anything further. I stated that I would file a complaint with the FTC and CFPB to have my account and all the information deleted from their databases.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX , credit line is STILL showing on CR even after previous Equifax response says " verified to be deleted by credit  grantor  ''. Please REMOVE invalid credit line ( that was re-added to my credit report w/o notification per FCRA )
Product: Mortgage

I initiated a cash out refinance with better Mortgage on XX/XX/XXXX. I was initially told I prequalified and was given a rate table to choose from. I chose to conduct a cash out refinance with XXXX out and at a 3.375 rate. I had an appraisal from a previous refinance the company told me they would use. They then told me they required an appraisal which they conducted at no cost to me. I was told numerous times along the process that my loan was in good standing and would close following receiving the title. The title took months to get back, and came back with a clear title. Finally this week 2 days before my scheduled close with the company I received a call from better telling me they would have to cancel my loan. They told me that it was on the market 6 months prior to initiation of this loan and that was missed by their original underwriting team. This was fully disclosed to them in the documents they had me read and sign for the loan. They told me they could not make an exception and that they could not fund the loan. They suggested I wait a few days ( at which point the 6 month timeline would pass ) and I could apply for a new loan. 

I asked if I applied for a new loan after my 6 month period ended would they honor the cash back and rate they originally locked me in at. They said no, the only concession they could make is {$500.00}. This process has strung me along for months and my family and I have made financial decisions based off the funding of this loan, only to have them try to deny it at the very end. During the time the mistake that their original underwriters made as well as the slow title company, rates have gone up half a point. If the company wants me to apply for a new loan in a few days they should honor what i locked in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a credit card account in XX/XX/XXXX. Equifax is still listing it on my credit report, even though it is 13 years past the 10-year reporting period. Equifax claims it is the last date of their update/report ( which was XX/XX/XXXX based on my dispute ). It appears from Equifax 's point of view that every time I do a dispute, it will restart the 10-year statute of limitations.
Product: Credit card or prepaid card

Klarna created debit card to cover purchases made thru XXXX XXXX using my XXXX XXXX account for weekly payments. Items missing from order never replaced or refunded. Automatic messages from XXXX suggest refund or replacement of items but no follow up by XXXX XXXX what so ever. School clothes purchase for children of XXXX  ended up taking lost on school clothes.While payments be taking off card to cover charges.Evidence submitted several times since XXXX no response or help from XXXX or Klarna.
Product: Debt collection

About 7 yrs ago I was helping my daughter with insurance I had it in my name until she was able to take it over with steady income. My daughter got sick with that came XXXX of both hands and couldnt no longer drive. The agent at the time knew how I was helping my daughter. I called my agent while my daughter payed up in the hospital fighting for her life and I canceled the insurance. They still tried to pull it out of my account knowing it wasnt there. I guess my agent threw me under the bus to save her job, not sure why things happened the way they happened. Why are they coming for it now after all these yrs?
Product: Credit reporting

I have called disputed the information with all credit bureaus through telephone and through their dispute process. they still are showing incorrect information. XXXX sent me the correct information but Equifax in their response to the complaint said that the creditor verified the information. I am attaching that information along with the withdrawals from my bank account when the mortgages were paid. XXXX was deducted on XX/XX/XXXX, paid on XX/XX/XXXX because XXXX lied and said I input my bank information in wrong and on XX/XX/XXXX, paid on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that I XXXX XXXX XXXX am submitting this complaint and report of ID theft on my behalf there is no third party involved in this complaint. The following was not submitted in error. This is complaint is not to be opened as a dispute of any kind there has been no error made by the documents contained herein this complaint. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ). Expect as other wise provided in this section, 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 by such agency of, included you will find FTC identity theft report, identity theft affidavit, copy of ID, utility bill, and social security card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquires, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already. Experian does not have any permission or consent from I the consumer to furnish a consumer report.
Product: Credit card or prepaid card

On XX/XX/XXXX a payment for my Citibank credit card was requested by the over the phone automated system, requesting that {$8700.00} be paid to my Citibank credit card using the bank account and routing number I had on file ( my checking account via XXXX XXXX XXXX  ). I did not make this request, there is no call in my call history on my phone showing that I called Citibank to allow this payment to go through. I did not receive an email confirmation of this payment going through or being accepted so I had no knowledge of it. On XX/XX/XXXX, the check cleared for XXXX, draining my bank account of almost all of my cash ( and some overdraw from savings ). When I called Citibank to inquire, they told me that the payment was valid. I asked for a call log to be pulled, and they were able to confirm that the phone number that called to make the payment was NOT my phone number on record. After many frustrating calls, they told me they would reverse the payment and refund my bank account within 3-5 business days. After the fifth day, I called Citibank to inquire about my refund, they told me that it was not being processed and that it could take up to 30 days. I asked why and they said they needed XXXX XXXX XXXX to confirm they were not planning on retracting the check. I asked when they would be able to call XXXX XXXX XXXX and they told me within 30 days. After a lot of pushing, I was able to get Citi on the phone with XXXX XXXX XXXX  to confirm the check wouldn't be retracted. They then told me now it would be another 3-5 business days to get my cash back into my account. It's theXX/XX/XXXX and I still do not have my {$8700.00} back into my account. I did not make the payment, clearly that is the case since Citi confirmed that it was not my phone number that made the call. I'm owed my money back and the fact that I'm out of that much cash, is unnerving. Citi has provided me no resolution or assurance that they have the right checks and balances in place for over the phone payments. Since no one from Citi is helping me, I've decided that I needed to contact you. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Navy FCU reported a ( late payment ) on my consumer report without my knowledge or full disclosure prior to making the report.
Product: Checking or savings account

I dont have a job right now so I fell behind bills and they changed my account many overdraft fees and I cant pay them. The fees are about the same amount as the money I was overdrawn.
Product: Consumer Loan

I purchased a dog through XXXX pet store XX/XX/2015. They financed it through Monterey Finance, I was never given the disclosures for the finance charge. The purchase price of the dog was XXXX I have paid a total of XXXX on the dog. The purchase should be paid in full however I have never received a monthly statement showing my balance and finance charges. I finally was able to speak with someone after numerous attempts they stated I still owe a balance of XXXX. It 's more than frustrating that I have paid my payments monthly on time and without and communication from this phantom company. When you try to call them they put you on hold long amounts of time followed by being disconnected. I reached out to pet store where I purchased the dog they stated they could not give me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX2022 This is not a regular dispute at all. I have filed a complaint with ftc and the XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.
Product: Vehicle loan or lease

NMAC ( Nissan Motors Acceptance Corp ) is the lienholder on my old XXXX XXXX XXXX ( bought new at XXXX XXXX XXXX in XXXX, FL ). 
We traded the vehicle in XX/XX/XXXX ( at XXXX XXXX XXXX in XXXX, FL ), and at the time of the sale the dealer got a 10-Day payoff quote from NMAC for {$6200.00} good until XX/XX/XXXX. ( XXXX loan number XXXX ) XXXX XXXX XXXX completed all the paperwork and send a check to NMAC for {$6200.00}. 

XXXX XXXX still has not received the title for the XXXX XXXX they paid in early XXXX. NMAC told XXXX XXXX that they made a mistake on the account, and did not find out about it until later. So that there is now {$170000.00} owed still on the account. 

We have made several calls to NMAC asking them to release the title. That their mistake is NOT the dealer 's fault, or mine. Or to send me a document that says that I am responsible for their mistakes ; they also decline. I have asked to talk to a supervisor, or to their legal, or consumer protection department ; all declined. Only talked to a " Senior '' collector. 

Please HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XX/XX/XXXX, I contacted XXXX to inform them of my new banking information, however, no one answered. I left a detailed voicemail but never received a callback. On Tuesday, XX/XX/XXXX I contacted XXXX once again, and once again no one answered. I once again left a detailed voicemail but never received a callback. Last week after being informed by the credit bureaus that the balance was reported as an increase I disputed the amount and asked for an investigation. XXXX contacted me but only to pass the blame to everyone but themselves and offered no resolution. I dispute the account with them as well so there could be an investigation completed however this week instead of investigating I was meet with yet another negative mark on my credit on an actively disputed account that belongs to a servicemember protected under XXXX. XXXX has violated federal lending law and also provisions of the FCRA. A XXXX complaint was made but I have yet to receive a response from XXXX. I have also filed a XXXX AG complaint
Product: Mortgage

I purchased a home on XX/XX/2005, with 2 mortgages. When I received the first payment statement for the second mortgage I paid it off in full to XXXX XXXX  XXXX on XX/XX/2005. Then the next month paid one more small payment for the interest accrued over the time it took the mail to get to them. As of my XX/XX/2005 statement from XXXX showed I owed {$0.00}. Somewhere in the midst of me paying off the XXXX XXXX XXXX sold the mortgage to JPMorganChase. They have a lien filed against me for the amount of {$26000.00}. The lien is listed as " inactive '' yet it has not been released at the clerk of the court. After reaching out to everyone possible at JP Morgan Chase they have now come back and said they can not release the lien because I never paid them for it ... they recognized that I paid off XXXX.yet it is filed under JP Morgan Chase in the XXXX XXXX, XXXX  XXXX of the Court records. I am in the process of selling the condo but must have this error in paperwork cleared up immediately. No one wants to help yet they can all see clearly from my records that the debt was paid in XXXX. You are my last resort to get this lien that was clearly " paid off '' removed from the county records so that I can move forward on selling this property.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 ( a ) ( 4 ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. However, XXXX, Equifax, and XXXX have failed in their responsibility to fulfill this requirement. They have furnished information that does not reflect my actual credit behavior, which is not only erroneous but also damaging to my reputation and financial opportunities. 
As a consumer, I am entitled to fair and accurate credit reporting under federal law. I have diligently followed the proper procedures to dispute the inaccuracies, but the financial institution 's refusal to correct the errors and the consumer reporting agencies ' lack of thorough investigation have caused significant harm to my creditworthiness and overall financial standing. 
The inaccuracies present in my credit reports include : Outdated information : Some of the reported information is outdated, such as closed accounts being listed as active, which further hampers my creditworthiness assessment. 
Reporting of late payments that were never made : Several accounts on my credit report show late payments, but I can confirm that these instances are incorrect. I have always made timely payments and have records to substantiate this claim. 
I have diligently tried to resolve these issues by disputing the inaccurate information through the credit reporting agencies ' dispute processes. However, their responses have been unsatisfactory and merely result in re-verifications of the disputed information without proper investigation.