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

There have been several transactions made on my account this is the 2nd time that this has happened I reach out in regards to the transaction that occurred in XXXX via XXXX I I dont not send money to people on XXXX I strictly use XXXX due to it being with my bank and there was a stretch of days where some sent hounded of dollars out of my account, the dates are XX/XX/XXXX {$100.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$210.00} And just last week my card declined for my art auto pay due to insufficient funds when I went to looking at my account there had been five fraudulent transactions darting back to XX/XX/XXXX {$170.00} XXXX XXXX XX/XX/XXXX {$160.00} XXXX XX/XX/XXXX {$640.00} XXXX XXXX XX/XX/XXXX {$210.00} & {$110.00} XXXX This is ridiculous due to my direct deposit is sent to this account and my billing as well, Im quite frustrated with a lot of these transactions occurring in spurts and the lack of attention by Wells Fargo.
Product: Debt collection

I am an out of service veteran, I have worked closely with XXXX and XXXX to correct a debt from my time in the Military. The debt should have been XXXX and I have also paid XXXX from garnished wages to the Third Party Collection agency TSI. When I contacted TSI to request a payoff account I was informed that the debt is now {$5100.00}. And there is no account summary or portal to verify the amount. Math is not my strongest subject, but I came to XXXX I requested and explanation to understand how the debt came to XXXX? Is there a {$1500.00} fee added? And where can I find an account summary or debt summary?
Product: Checking or savings account

I called Huntington and asked for some type of agreement to remove this inaccuracy from my report, this account is in derragatory status which is affecting my credit score. I asked to make things right far as this company reporting 1 late payment in XXXX of XXXX  but it shows unknown payment status for the months of XXXX, XXXX, and XXXX which doesnt make any sense if it shows 30 days late for the month of XXXX in XXXX  wouldnt it be more than 30 if the status is unknown ( Unverified payment ) for the previous months. This is inaccurate and its affecting my credit score/report. The account is closed I would like this to be removed from my report due to the inaccuracy, also theres no balance The status as of today is paid, as agreed, with a past due amount being {$0.00}
Product: Vehicle loan or lease

I bought a new XXXX XXXX XXXX from XXXX on XX/XX/XXXX. They new I had a trade-in from XXXX, it was a XXXX XXXX. They gave me a price and I signed a contract that the loan amount would be a little over {$11.00} and my monthly payment would be {$230.00} a month. The process went smoothed and the looked over my car and I got the new car immediately. I had a 7 day guarantee to return the vehicle as well. They processed my car tag and registration in a matter XXXX or 4 days, it was quick. They setup my account with XXXX and on XX/XX/XXXX my first payment f {$230.00} was supposed to come out. 
XXXX on Saturday I get an email from XXXX from XXXX telling me I had to rebuild the loan that there was an error on their part. They didn't take in to account that I had a l balance on the trade-in and that would affect my payment. I get an email telling me it would go from {$230.00} a month to a {$500.00} down payment and {$700.00} a month interest rate of 19.48 %. I was shocked and called them immediately. They said it was an issue on their part and that they would look at ways to help me. They said they would send me a check for {$250.00} for my incovience. I then waited to hear back on what more they could do. I heard back from XXXX and they were willing to take back the car but I had to get another car with them. The only problem is that they are charging me now 19.48 % interest and that balloons any payments to a high amount. I was looking for something similar car the XXXX, which only had XXXX miles on it an I was paying {$450.00}. Now I would have to get an older car of less value in order to stay around that payment of {$450.00}. I lost a 3.9 % APR with XXXX and now stuck with a 19.48 % from XXXX. They won't let me just give back the car because that would be reported on my credit for 7 years and have a very negative impact. I am trying to rebuild my credit. So I was given an option of paying for the current car, getting another car with XXXX that wouldn't be even close to what I had without it being a lot more in a montly payment, or simply returning the care and having a mark on my credit. I have tried to talk to them for days and with no success they were willing to take off the delivery fee which ranges about {$490.00}. Either way I didn't have a chance to say no, I will give the car back because they didn't even find the error until XX/XX/XXXX. I don't know what to do. I need your help.
Product: Debt collection

about  11 yr s ago I had got some kind of paper and it was about this 3 party suing me for a credit card .than about 1 yr ago i n  XX/XX/XXXX    th e sum of  XXXX  they tried to take my only car and than took me to court and I made payment arrangement ..  times  got hard on my income so I have stopped paying them .. with in that yr I have been assured what to do next they have stop me from getting tags for my car. and I had to get some help to get my tags back. mean while I got pulled over with expired plates ..than I have n't heard from them until   XX/XX/XXXX      they had   XXXX   XXXX   court officer come and repo my only car. deman ding the full amount of money before they take it  XXXX . I felt very scared with  XXXX   XXXX  in my presents when I was cleaning out my  car.. Credigy Receivables inc. is t he  3 p arty debt collector with no proof that this credit card was mine .. and the statute of limitations and the way they went about ..so many unanswered questions. I feel that I do n't have the funds to pay a lawyer to get my car back and get this resolved thank u for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$99.00} XXXX XXXX {$240.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit card

In XX/XX/year> I called First Digital to make them aware of an issue I was having with my credit card. It was not allowing me to make purchases at any store and was saying declined even through there was plenty of credit on the card. 

The first time I called I was told the card was locked and they unlocked it. However, it stopped working a day or so later. The next time I called I was told the merchants are declining it. In which I said not every merchant can decline my card it's impossible. They then said my card was locked again and would unlock it. Once again, my card stopped working a day or so after and I called again. I was told my card must be damaged in which I said its absolutely not and this must be a system issue. I asked them to have IT investigate my account. I was told I would receive a call back within two business days from another supervisor and did not. I called again, each time having to re explain the entire issue. It then hit XXXX, and I was told they were going to send me a new card and have IT investigate. I specifically requested that if they had to cancel the old card in order to send a new one to please wait to do so until after IT has been able to investigate as I could at least use the card I had once every few days. They told me they would not cancel the old card and would simply send a new one and have IT investigate the issue in the Meantime. Mind you I had to argue with multiple supervisors to get them to have IT look into my account. It is now XXXX, and I have yet to receive a card. I called first digital 2 weeks ago and they could not explain why I never received my call back from a supervisor or my credit card. They told me they mailed me a card and it would be here within 14 business days. After 8 business days I called to see if they had mailed my card. I was then told they could not mail my card out for 10 days after they spoke to me due to my address changing and that they were unsure why the previous representative didn't relay that. 

It is now XX/XX/XXXX. I called this morning after seeing I inquired a late fee on my account to which I asked it be removed as I was unable to use the card for 5 months due to the company 's negligence. I also asked to speak to a supervisor higher up and requested for the XXXX time, information for their corporate office to file a formal complaint. I was once again told they had no information for their corporate office or how to file a consumer complaint. I was told I would have to wait 3 days for a call back from a supervisor ... in which I've been waiting since XXXX, and was told they would only remove the late fee once a payment was made. All of which is absolutely ridiculous.
Product: Debt collection

Told Portfolio Recovery to stop calling me and they keep calling me several times a month sometimes once a week I have told them time and time again to stop calling me.
Product: Credit card

Salesman came to my house and I agreed to roof repairs. A deposit of {$5300.00} was made on XX/XX/year> to the company by credit card. The company made no attempts to perform the repairs until several months after my deposit, which was unsatisfactory to my expectations. They then tried to begin the repairs on XX/XX/XXXX, but by that time the repairs would be made too late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past month, XXXX and Experian have not correctly verified any of the 5-6 collection  accounts on my credit report. Ive sent in dispute letters every month, to no avail. I also received notification that 2 of the collections have been closed from XXXX XXXX, but they were still listed on my report from both credit reporting agencies. Also, XXXX has 2 collections on my report and when I spoke to them a few weeks ago, they only stated I have one collection account and not 2. None of these collection companies can be verified, I did not sign a contract with any of them, yet the credit bureaus are verifying the debt, without contracts or doing due diligence to correct these errors. I am demanding they remove all of the collections from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit report. 
XXXX XXXX  Open date XX/XX/2007 Balance {$19000.00} Inaccurate name on credit report. 
XXXX XXXX Inaccurate address on credit report. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Inaccurate phone number on credit report. 
( XXXX ) XXXX, ( XXXX ) XXXX
Product: Credit card or prepaid card

During late 2019 I was very busy and going through a tough time with the holidays before and around XXXX time at work and at home that I happened to miss a payment on my XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) MyRewards Platinum visa credit card, my first missed payment in nearly 5 years of membership with this bank. Once XXXX XXXX XXXX was able to make contact with me through a phone call, I apologized and had them transfer the past due amount of {$33.00} to my credit card immediately. Furthermore, because I value my relationship with said bank, I made and additional payment only two days later of {$59.00} which is nearly double the past due amount and nearly triple the regular minimum monthly payments of {$20.00}. My credit score dropped 73 points points as a result of the one missed payment which is a heavy handed and absurd calculation by Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a dispute letter addressed to the Credit Bureaus, requesting the removal of unfamiliar accounts that are currently being reported on my Credit File. I strongly believe that these accounts are a result of fraudulent activity, and I urged the Credit Bureaus to promptly conduct an investigation and remove the disputed accounts from my Credit File. According to my understanding of the FCRA Section 605b, it is a legal requirement for Credit Reporting Agencies to eliminate any accounts and information that are a result of fraudulent activities. I am submitting this Complaint today as a follow-up to my previous Complaint. Once again, I request the immediate removal of the following accounts from my Credit File : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX If, during the Credit Bureaus ' investigation, it is determined that I am the legal owner of these accounts, I kindly request that copies of supporting documents, bearing my signature, be provided to me. However, if such documents can not be provided, I greatly appreciate the prompt removal of the disputed accounts.
Product: Debt collection

TO CKS Prime Investments, YOU ARE REPORTING A COLLECTION ACCOUNT ON MY CONSUMER REPORT THAT HAS NOT BEEN VERIFIED OR VALIDATED. THIS IS A VIOLATION OF THE FCRA AND THE FDCPA. THIS ALLEGED ACCOUNT IS INACCURATE, UNVERIFIED AND MUST BE DELETED IMMEDIATELY FROM MY CONSUMER REPORT. IF YOU DO NOT REMOVE THIS ACCOUNT IN THE TIMEFRAME OF 7 DAYS, I WILL START THE PROCESS OF SEEKING FOR DAMAGES UNDER THE FCRA AND FDCPA FOR UP TO {$1000.00} PER VIOLATION AND FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY DAMAGES AS WELL AGAINST CKS Prime Investments BECAUSE THEY ARE THE COMPANY REPORTING THE ACCOUNT ON MY CONSUMER REPORT. YOU ARE BEING HELD LIABLE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to dispute the inaccurate information regarding my account with Ally Financial, which is reported as open since XX/XX/XXXX, and closed on XX/XX/XXXX. The account details indicate that my last payment was made on XX/XX/XXXX, and I have XXXX instances of being late, which is incorrect. 

Furthermore, it is reported as charged off, but I have not received a 1099, and I believe this reporting is misleading and inaccurate. I kindly request that you investigate this matter and correct any inaccuracies in my report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This complaint is in connection with previously filed complaint ID # XXXX. 

KLARNA of XXXX XXXX XXXXXXXX XXXX, OH XXXX @ XXXX Responded to one 's complaint # XXXX on XX/XX/2022 saying they need more time to investigate. That is perfectly fine as long as all fraudulent collection action is ceases immediately. However KLARNA is still using and threatening use of violence or other criminal means to harm the physical person, reputation, or property of one and is DIRECT VIOLATION of 15 USC 1692d ( 1 ). 

On XX/XX/2022, one received a dunning letter from KLARNA with threats to refer this alleged debt to collections. KLARNA is a debt collector. Send any debt valid or not valid is a DIRECT VIOLATION of one 's federally protected consumer right to PRIVACY under 15 U.S. Code 6802 which declares... 
" ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' One is bering violated under these notions. 

One has not received validation of this debt in accordance with the laws listed in the FDCPA and the FCRA. One and one 's family has been damaged and injured from this failure to perform by KLARNA and one alleges KLARNA has devised a device and mechanism of deceptive and misleading practices. This is ones notice of intent to file suit against KLARNA in US District Court be it KLARNA is in DEFAULT, so be it.
Product: Credit reporting or other personal consumer reports

IDs XXXX XXXX Dear transunion & XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX TU/ XXXX XXXX XXXX XXXX - XXXX Pictures of proof included XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION
Product: Credit reporting or other personal consumer reports

So I sent a letter to the credit bureau to remove personal information that I dont want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.these are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A section 2 states : it also staes a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the Experian and XXXXXXXX XXXX XXXX  and the XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. XXXXXXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the Credit Bureaus XXXX XXXX, I am submitting this CFPB Complaint. Their conclusions do not hold water with me, and I demand complete accuracy. I am now requesting more information from the credit bureaus about these specific items in question because I am not happy that enough was done to actually contact the creditors who are reporting this information on my report. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) mandate that these accounts be verified by the XXXX credit bureaux ( XXXX ). ( A ). It is unacceptable to treat these reporting stories as unverified rumors without providing evidence within the prescribed window of time. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) of the FCRA ( XXXX ). Please look into the following unverified accounts ( A ) : XXXX  XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXXXXXX XXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Mortgage

Hello. I pay my mortgage monthly every month prior to the due date. I split each monthly payment into ( 2 ) partial payments using online bill pay, because of the way that I am paid. Nationstar misapplied my payments ( 3 ) months in a row. Each month and each time I called Nationstar before it was 30 days delinquent. Each time/month they said they corrected my payment and each time that they would set up a " tier '' system so that my payment would get applied correctly. Each month, I had to call multiple times, as my payment would not get corrected again and again. Each time they said my credit score would not be affected. To make a long story short, I monitor my credit and noticed it dropped over XXXX points from the last time I viewed my score. Nationstar reported my payment as 30 days late in XXXX 2015 and I have proof through my online banking that it was paid EARLY!! Please help get this inaccurate and false information removed from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to submit the dispute with Experian  online but fornaome reason wouldn't allow me to. XXXX XXXX/XXXX  is included in my chapter XXXX bankruptcy this is part of my educational loan that's in Bankruptcy.