23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had autopay set up to a credit card with Synchrony bank from my Sofi savings account. Monthly withdrawal was {$250.00}. On XXXX I canceled my autopay, and scheduled a one-time payment for my remaining balance from my Sofi account . 
On XXXX my payment of {$2000.00} was sent to XXXX, both institutions have a record of this payment being made and received. My balance was paid in full with this payment. My sofi account balance was updated to reflect this payment On XXXX XXXX posted a payment of {$250.00} to XXXX, but XXXX does not show this payment being received. My sofi account balance was reduced to reflect this payment. 

I reached out to synchrony and sofi on XX/XX/year>. XXXX advised they showed no payment, and i have no balance, so they asked me to reach out to sofi since they can't trace a payment that isn't in their records. 
I reached out to Sofi on XXXX  The agent I spoke to said they were opening a dispute on XXXX and would email me with follow-up information. As of XXXX  I have not received any contact, emails or additional info. The funds are still removed from my account, and I got no info on where the money went.
Product: Vehicle loan or lease

Toyota Financial Services for years did not report this loan for my 2012 XXXX to any of the credit agencies. It took the CFPB, XXXX and a certified letter to the office of the president of TFS to fix. Finally, the item got reported and all the payment history but did not have an impact on the score as that's not the way credit aging works. Check CFPB reports and notes on the account. 

The issue I'm faced with at the moment. I just setup bill payment on the account. The information was off by 1 digit on the account number. I re-submitted my payment via my bank 's bill payment system. The payment was accepted and posted to my Toyota account however 2 days after the due date. Now I've been marked with a 30-day late payment that shouldn't have occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not recognize any of these inquiries and I never applied for these. I am requesting to remove all of these because it's a fraud. Somebody stole my personal information.
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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXXXXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Checking or savings account

I would like to start and say I'm XXXX XXXX XXXX  XXXX XXXX. I have served my country honorably.I was getting information from a Navy Federal call center representative for paying off an auto loan. She was belittling me and being very narcissistic. I asked her to transfer me to a manager because I didn't like her attitude and she said she was disconnecting the call I had a few choice words but she had already disconnected the call before she heard them. The next day I called and got a manager on the phone and was belittled again and asked to speak to a manager over her the call was once again disconnected. Navy Federal has declined my online and branch privileges. I live in an area where Im Not able to make deposits from my account. I feel this is very unjust and unfair. I was not the one who started being rude. I clearly asked for management 2 times and was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/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 inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 While searching online to buy a new XXXX puppy I came across XXXX XXXX XXXX and contacted them hoping to purchase a dog. 

On XX/XX/2021 I made initial contact with the seller and began the process of buying the dog. The seller continuously changed the terms of the sale to complicate the process while requesting even larger payments of additional funds to cover previously nonmentioned costs. These include refundable deposits as well as soliciting a " refundable insurance policy ''. After payment was made I then asked for the money back due to even further requests for more fees and then became aware of the scam as the seller was nowhere to be found. I then reached out to the shipping company where it became apparent that it was also a component of the scam as they then requested an additional {$1900.00}. The three individual payments made were : {$1.00}, {$540.00}, and {$1400.00}. Payments were made to the seller via Zelle integrated into the XXXXXXXX XXXX XXXXXXXX. After contacting XXXX on XX/XX/2021 looking for assistance and potential recourse they stated they had little to do with the matter and that the concern should be taken up with Zelle individually. Zelle will not provide any aid or recourse. 

While collecting documentation for this complaint I was able to identify web host and payments processing services used by the scammers. Supporting documentation attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was compromised. I can't do nothing with my credit because somebody stole my Identity. I have attached all my documents. My ID, Social, and filed a report with the FTC. I have listed more accounts that are fraudulent due to the fact that the FTC only lets you put 5 which I have more than. I would appreciate if you remove this fraudulent information on my report immediately. God Bless you and your family in these horrid times. I have one life to live. I don't want to waste time moving on with my life because somebody stole my Identity. I hope you understand, Thanks!
Product: Mortgage

I had asked for a payoff on my mortgage from Ocwen. I was startled to see that there was a {$52000.00} line amount that was titled Share Waive Adjustment. I called them and they stated I was in default of my loan modification that I had in XX/XX/XXXX. I defaulted in XX/XX/XXXX due to using the Save the Dream program. My husband was laid off and I was trying to save our house. I received a XXXX for the {$52000.00} in XX/XX/XXXX. I called Ocwen to ask about the {$52000.00} and why would I owe it now. It was explained that they could not add it to the mortgage. The Share Waive is for a loan called a Share Appreciation Modification where the loan servicer is entitled to XXXX % of the appreciated amount less any capital improvements for 3 years. I had read that I can reduce the Share Appreciation with Capital Improvements, so I had asked them if I could, they told me no. We just completely remodeled the kitchen. I had asked why I had received a XXXX for this. They could not answer me. Can you help me find out if I really owe this or if the amount can be reduced?
Product: Credit reporting or other personal consumer reports

I sent a letter to creditor XX/XX/year> stating I'm going through financial hardship and I see where this item was charge-off from my credit report but I was never sent me a XXXX. Could please send me one. I also explain The way this account is reporting the account balance, acct number, the date of last payment doesn't look familiar, could you please delete this from my account immediately. This is a violation of the fair credit reporting act willful Non-compliance because they're neglecting the fact that you're requesting something that under the law 15usc1681i ( a ) ( 6 ) ( b ) ( iii ) I can request.
Product: Debt collection

I am contacted at least 8 times a day by different phone numbers from the same student loan company. One that is received every night at XXXX EST. My number is from the the mid-west prior to moving to XXXX. The company is contacting me looking for my son who owes a student loan for Navient. I have told them how to contact him, and was told to give them their number to contact them. I let them know I would weeks ago, and I am still receiving the calls every single day. It is not my loan, and my son has also heard from them letting them know of his situation. These are the numbers contacting XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The last number listed calls at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for two and a half years to get XXXX XXXX XXXX  and XXXX to report a accurate information on my mortgage loan. I financed my mortgage originally with XXXX XXXX XXXX  XXXX XXXX. A few years later XXXX XXXX XXXX  bought XXXX. In XXXX I had to file for Chapter XXXX protection. I continued to pay my mortgage as usual. I have never been late. My mortgage history was reported properly by XXXX XXXX until XXXX. That is when my nightmare begin. They begin using XXXX to collect their payments. Then all of a sudden all of my mortgage payment history disappear. I have reach out to both companies for two years, but nothing has been resolved. XXXX XXXX actually sent a letter stating that they would correct my credit reports and simply reversed the decision to correct. XXXX is none responsive and places the blame on XXXX XXXX and XXXX XXXX places the blame on XXXX. In the meantime, my credit reports are not reporting my positive pay history which is impacting me in a negative manner. I need assistance with this matter. Please advise.
Product: Credit reporting, credit repair services, 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 XXXXI TOTAL V 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 XXXXXXXX, 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
Product: Debt collection

In XXXX XXXX, Capio Partners took over two charges from medical bills when they were unfortunately missed due to an overabundance of medical bills for a procedure and a XXXX that I had been receiving. I never received written notice of the change to Capio Partners from the original creditor, and when I requested written confirmation from Capio, they refused, telling me they were unable to provide that. I mentioned that I needed to see that before paying and was told that if I did n't pay the full amount that they would report it immediately to the credit bureaus and never remove it, no matter if I paid or not. I was also told that they could find additional amounts to place on my report if I did not comply and pay the full amount. This was in early XXXX. I asked again for written proof and did not receive for either account in collections. Sure enough, by XXXX, the two accounts were added to my credit report. I called again in late XXXX and was told that even if I paid the debts, they would not remove them because they already offered me the chance to pay and I refused, which was not the case. They continue to call me 4 times a day, often before XXXX. Every so often, I answer and most recently asked for written confirmation of the debt in XXXX and was again told that they would not provide that to me.
Product: Credit reporting, credit repair services, 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 Bank : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Debt collection

Disputes have been filed repeatedly through all 3 bureaus but the response is immediate without any investigation. I have been given only 4 chances to dispute this bill and then I have to call the credit bureaus and force them to file another dispute which usually is returned by the next day as " valid. ''
Product: Debt collection

It was in XX/XX/2023 a debt collector called UCB had an entry on my report for {$840.00}. This was the first I knew about this, so I disputed it. Apparently the credit bureaus take the creditors side no matter what, because they left it on my report. Had I been given the chance I would have paid some, but never ever received a bill from these people. From all the complaints I've read about them, neither does anyone else. This is in violation to send this to the credit bureau without contacting me first. Once I disputed it on the credit bureaus I did receive something, but not an invoice or a way to pay it. I guess it was a validation and only after I disputed it with the credit bureaus.
Product: Debt collection

This is a false claim. I paid this in full when work was completed! I will attach invoices and check ( deposited by XXXX XXXX ) for your review. 

After XXXX XXXX in XX/XX/XXXX, I received a quote from XXXX XXXX for XXXX doors, motors, outside keypad, install and haul away old doors for {$2400.00}. Icould not get areturn phone cal for months to place my order and by the time Iwas ableot speak ot anyone the prices had increased I ( also upgraded the door color/ style and added amotor ) to {$3900.00}. Iagreed to pay the increased prices and Iplaced a 50 % deposit of {$1900.00}. Iwas told these doors were on backorder and would take 3 months to come in. These doors were cancelled by XXXX XXXX 3 times. No reason, no communication, no refund- just canceled and no reasons were given. I learned of this information when Icalled in to check status- AL THREE TIMES and al three times the doors were reordered! Atlas, the doors came in and were installed around XX/XX/XXXX. The installer had to come back to make adjustments and finish the job, but this never happened. XXXX started sending bills to the house around XX/XX/XXXX. Ispoke with XXXX, the owner, Iexpressed my troubles and told him would gladly pay the balance when they came back and finished the work and he agreed to a {$500.00} discount for my troubles. 
The job was completed XX/XX/XXXX and the agreed to balance was paid ni full in the amount of {$1500.00}. 
XX/XX/XXXX| reported to the credit bureaus by XXXX XXXX for the amount due {$1900.00}. I spoke t o the creditor, American Profit Recovery, they referred me to XXXX XXXX. Ispoke with XXXX at XXXX XXXX and he assured me my account was paid in full and he would send an email to the creditors, It has been over a month and this collection is still showing on my credit report. Ihave disputed it with the credit bureau, XXXX, but the dispute did not come back in my favor.
Product: Prepaid card

I purchased a XXXX USD Vanilla gift card on XXXX XX/XX/year>, and was unable to use it to purchase or pay for anything, they said it was a defective card then sent me a replacement. I was unable to use the replacement card as well. I then called Vanilla to make them aware of the reoccurring issue, they then requested that I send in the picture of the card, my ID, the receipt proving the purchase, and a utility bill which I provided all the above requested documents to them XXXX months ago and to date I have not gotten my money back. I keep calling but they keep giving me the run around. It's been stall, delay don't pay from the start with this company.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX  XXXX XXXX I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$7500.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Credit card

Over XXXX dollars on an account I do not have! I found while checking my credit score And had to search through spam folder to find it! company says will take weeks!
Product: Debt collection

Dear CCS ; I noticed you have 3 accounts reporting fraudulent under my name and ssn number. They are NOT my account and i don't have any prior knowledge or relationship with your companies or any of the companies listed. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

The original lender was Upgrade and it was a personal loan. I have paid well XXXX XXXX back to the original lender. Now that original lender will only direct me to the company they sold the debt too. I understand that the payments were made after charge off but the payment was accepted and posted I have screenshots and bank statements. 

The collection company called me stating I had a payday loan which I told them I do not. I requested them to send mail me proof and they mailed the original loan information for Upgrade loan.
Product: Credit reporting or other personal consumer reports

This information is not mine, it does not belong to me and I do not want it in my report. 

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

Check was declined because of Certegy authentication failed. The validation report provided acknowledges they dont have access to my account balance. How can they decline checks without knowing my account balance?
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Companies to include Experian, XXXX XXXX, and several others, make suggestions to apply for refinancing, or credit cards, or personal loans to help fix our financial situations ... .Then we take the advice and apply. Then we don't get approved, XXXX our credit scores up even more... .I think that is some XXXX practice by shady companies. Not only should everyone effected by those scams be compensated with actually being approved for whatever they applied for, those companies should be banned from reporting XXXX. Thing to credit beaureaus.