23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I filed a lemon law case against XXXX XXXX XXXX XX/XX/XXXX because my car is a lemon and is a very dangerous vehicle. When I filed that case they started to retaliate against me by not posting my payments to my account, reporting false information to the credit bureaus and denying me service on the vehicle. I attempted to correct the miss allocation of payments to the account with a supervisor who admitted the late payment reported in XX/XX/XXXX was inaccurate and promised to remove this from all credit bureaus. Initially it was removed, but they placed it right back to prevent me from being able to trade in the car as it took XXXX points off of my credit score instantly! I attempted XXXX weeks ago to have this resolved by another XXXX, who stated she would call me back and get it updated. No response, no update! I am attaching information supporting my position. I have XXXX months worth of statements showing payments were made timely and deducted from my checking account, but I am focusing on the payment referral arrangement which I initiated with XXXX For XXXX month of XX/XX/XXXX. If they didnt falsify service records during the lemon law arbitration case, I would have won the case and this would be a non-issue. I am attaching the payment deferral agreement which shows payment was due XXXX, the 10 day grace period contract, executed by myself in the dealership, their policy on not Reporting negative information when payment referrals are requested in a couple other supporting documentation. 

They also have refrained from reporting all payments made to the credit bureaus. There are months where I made {$3000.00} worth of payments and theyve reported XXXX. I cant confirm that my payoff balance is even correct because of all the retaliatory actions taken against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to World Finance Company multiple times by letter trying to settle this debt and have received no response. In the meantime they are continuing to report this account as closed/delinquent on my credit.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/year> Subject : Request for Copy of Form 1099-C Dear : Cap1/WMT, I hope this message finds you well. I am writing to request a copy of the IRS Form 1099-C for the cancellation of debt related to the charge-off/collection account under my name, reported to the credit bureaus.

I have noticed this account reflected on my credit report, and I would like to have all necessary documentation, including the Form 1099-C, which should reflect the cancellation of the debt. If this form has already been issued, kindly forward a copy to me at your earliest convenience. If it has not yet been filed, please provide a timeline for when I can expect to receive it.

Here are my details for reference : Full Name : XXXX XXXX Account Number:XXXX Social Security Number : XXXX Date of Charge-Off/CollectionXXXX I would appreciate your prompt attention to this matter and look forward to receiving the requested document as soon as possible. Please feel free to contact me if further information is required to process my request. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Debt or credit management

Back in XXXXXXXX XXXX XXXX I received a call saying they had negotiated with one of my credit cards but needed an extra XXXX deposited so it could be approved. I borrowed the money and put it in my account. 4 days later they took it out of my checking account but did put it back in. THat put me over XXXX in my dedicated account. I went out a few days later and checked to see which card was negotiated and how much payments would be. To my surprise there was no negotiation. I then looked at my dedicated account and noticed there was money missing. I called and they said the negotiator canceled it and that the money missing was taken for Beyond Finance fee. Then in XXXX I had over XXXX in my dedicated account. When I looked XX/XX/XXXX I noticed I had XXXX dollars in there. I asked them again where that money went and they said it was for their fees for negotiating. I have paid in over XXXX dollars in the last year and a half and only XXXX cards have been taken care of totalling a little over XXXX dollars. That means for settling XXXX debts they have taken over XXXX dollars from me. Why would they take over XXXX for negotiating debt when nothing has been negotiated in over a year. THey paid to XXXX XXXX XXXX XXXX cards since XXXX of XXXX and the last payment was made on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

How awful this is, XXXX BANK credit card has put me on for 4 years on all XXXX credit reporting companies, how AWFUL this is. XXXX BANK owes me for so many other things, this company is illegal and disgusting, XXXX BANK. I supplied XXXX CREDIT CARD with identity theft papers and the fact I Am only an authorized user for only a year plus, when card owner XXXX XXXX opened account in 1992 and there as a huge balance on card when I became an authorized user, but needless to say on that, XXXX XXXX also sent in the idenitity theft papers to XXXX, there are not only XXXX, put XXXX reasons I should not have to go through this I lost a job, my health been at risk and I lost an auto loan due to these lies XXXX BANK put on my credit report. And TRANSUNION knows this and have not done anything, HOWEVER, XXXX just removed XXXX BANK from my credit report, and XXXX BANK purposely presses my credit every month to ruin my name, they want me XXXX. I know it cause they already XXXX my life, now they want me XXXX, I know they do, they owe me for bad faith insurance and so many bank regulation violations, it is not funny. HELP ME PLEASE SOMEONE HELP ME I AM TERRIFIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report I am Deceased, after receiving correct information from XXXX  XXXX XXXX. 
I have 2 recent disputes with Equifax. 
When Equifax completes the disputes and indicate COMPLETED. Equifax continues to show I am Deceased. 
XXXX  XXXX XXXX sent Equifax a letter of Correction on XX/XX/2021. 
I am unable to get a home mortgage because my Credit Score is not available from Equifax.
Product: Prepaid card

Hello, I am writing to make a complain against Paypal XXXX and XXXX XXXX XXXX XXXX which dealying adding money to my account and holding the money for a week without any progress ( PayPal Ticket # XXXX ). 

On XXXX ( Mon ), I bought XXXX PayPal cash card ( each with {$500.00} XXXX and tried to load into my PayPal account. The loading failed with " my cash card error code = XXXX ''. I retried several time and all failed with the same error. Then I called customer service in the evening and a ticket ( # XXXX ) was created. As requested, I emailed them immediately after the phone call the pictures of my driver license, front and back of the receipts and PayPal cash cards. I was told it somebody should contact me in XXXX hours XXXX 3 business days XXXX. 

But nobody contacted me since then. On XXXX ( Thu ), I called back and was told they received my documents on XXXX XXXX, I should wait for another day. On XXXX ( Fri XXXX, I called again and was told no updates, I need to wait for another day. I wait and called again on XXXX XXXX Sat XXXX, still no news, have to wait. I then called again today ( XXXX Mon ). Still no update, suggest me to call back again tomorrow. 

One week passed, many phone calls, wasted so much time and still no updates. I do n't think it is right to hold the money for indefinite period of time. I have no other choice but to write this complain and hope the issue can be solved ASAP. Thank you! 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The dates they have items reported as charged-off doesnt match my records. I have also been receiving calls and emails regarding these account after the accounts have been charged off according to my credit report. I requested that they verify the information and remove any inaccurate information from my credit report as quickly as possible. They simply responded and said the information was accurate and didn't provide any proof.
Product: Bank account or service

XX/XX/XXXX XXXX XXXX XXXX filed a complaint with Chex Systems Inc. which resulted in a joint account of XXXX XXXX & XXXX XXXX was closed without notice. My personal account at XXXX was closed also. We were told to contact XXXX and Chex Systems to find out why. At the time the XXXX account had several hundred dollars and my XXXX account had over {$9000.00} all of which was refunded to us. These accounts were in XXXX, Ca. I have not been able to open a bank account since which is an extreme hardship. 
In XX/XX/XXXX, I wrote Chex Systems a letter to have the negative information removed but they refused stating XXXX would not withdraw the complaint. I need to open a bank account now as I have accepted a job in XXXX, Ca. but am unable to open an account which I need for auto-deposit payroll as well as my Social Security! I recently wrote Chex Systems a letter to again request removal of this negative information. I do not believe I should be banned from having a bank account for unknown reasons and have no way to have bad or fraudulent info removed from my credit history! 
Thank-you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX
Product: Debt collection

I feel that Wells Fargo May be acting unlawfully please see attachments for more information
Product: Debt collection

For Merchant Capital One. 
Please provide proof the debt is mine by providing proof of signed contract, date signed, etc. I had this debt/error REMOVED because it was originally appeared on my credit as a CHARGED OFF XX/XX/XXXX ( 5 years ago ) and has suddenly popped up again on my credit report XX/XX/XXXX. 

The CHARGE OFF NEGATIVELY impacted my credit XX/XX/XXXX and I suffered a severe drop in my credit score. 

The CHARGE OFF NEGATIVELY impacted my credit AGAIN XX/XX/XXXX and caused a decrease of 60-71 points. This same debt is ALSO showing as PAST DUE. A " charge off '' is a debt that is written off and NO LONGER on the books as collectible account ; therefore, how can " charge off '' ALSO show as CURRENTLY PAST DUE? Either it is " charged off '' or it is " past due. '' It CAN NOT legally be both. Therefore why are creditors allowed to DOUBLE DIP and post the same transaction MULTIPLE times in this instance 5 years later resulting causing further detriment my ( consumer ) credit report/score? 

Why are creditors given card blanc to bulldozer ( bully ) a creditor with such credit tactics?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt to get this matter resolved. I've submitted my previous complaint with the CFPB & you claim I'm submitting the information for someone else which is just crazy. The unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX  requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XXXX of 2021 i was contacted by paypal that there where limitations on my due to me using a friends debit card when i lost mine. At that time i was informed that my money would be held for 180 days then it would be released to me for withdrawal and my account would be closed. From my understanding the 180 days would be over at the end of XX/XX/2021. Since XXXX i have been trying to withdraw the funds in my account and close it. I am still unable to withdraw my funds and still can't use my account. I have contacted them on several different occasions with the results staying the same.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment with the handling of my several attempt to follow up on the correction of late open accounts on my credit file. Despite my persistent efforts and submission of relevant documentation, I have yet to see any meaningful progress in rectifying these errors, which are significantly impacting my creditworthiness and financial well-being. 

Late open accounts on a credit report can have serious consequences, affecting an individual 's ability to access credit, obtain favorable terms, and achieve financial goals. It is imperative that such errors are addressed promptly and accurately to ensure fair and accurate reporting. 

This ongoing lack of accountability and transparency has left me feeling frustrated and disillusioned with your company 's ability to handle this matter effectively. With this, I am asking for your assistance to correct these accounts in my credit file : 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: Credit reporting or other personal consumer reports

MY INFORMATION WAS HEISTED AND THESE ACCOUNTS ARE FRAUDULENT AND DO NOT BELONG TO ME. I WOULD LIKE THESE ACCOUNTS COMPLETELY REMOVED FROM ALL OF THE CONSUMER REPORTING AGENCIES AND FREE FROM MY CONSUMER REPORTS.
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. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

On XXXX, Experian notified me by email that it had deleted a paid off auto loan in good standing. I worked very very hard to pay that loan off quickly. I advised Experian that I wanted the loan status to show that it was paid off. Instead after much time, Experian deleted that loan from my credit report. As a result my score declined. I wanted to buy a house and get the best terms. Experian jeopardized my goal. I called XXXX XXXX XXXX XXXX XXXX XXXX, where I had the loan. The customer service representative said that it was not the bank/credit union that deleted that car loan but that it was Experian. When I tried to call an Experian customer service representative all I got was phone prompts with no option to speak with a human being. Basically, Experian customer service is designed to waste people 's time and make them frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/LOWES I have written letters and called multiple times to have a closed account from being reported to the credit agencies as agreed by the creditors when the debt was paid. 

They continue to report the account as a charge off.
Product: Credit reporting or other personal consumer reports

I would like to follow up on the status of the accounts listed below, which are reported by 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 As you may be aware, most of these accounts have already been deleted from XXXX 's records, Now, since these Consumer Reporting Agencies does rely their information from the same furnisher for each account, I assume that they should have access to the same updated information as XXXX. 

I am requesting that they must delete the inaccurate accounts that were previously reported by their agency, as they have been deleted from XXXX 's records.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several items that appear to be unverifiable, invalidated, inaccurate, or questionable. These items were not thoroughly verified or reported correctly by the respective agencies involved. As a result, I am deeply concerned about the negative impact they have on my creditworthiness and financial well-being. 

These items are a direct violation of the Fair Credit Reporting Act, specifically under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ). These provisions mandate 100 % accuracy in the reporting of information on my credit report. It is disheartening to see that these requirements have not been met, leaving me with an unjustified burden. 

The Credit Reporting Agencies claim that these accounts were properly investigated and came back as verified. However, I am puzzled as to how this can be true when several inaccuracies are evident in my report. It raises concerns about the thoroughness and effectiveness of their investigation procedures. 

As a conscientious consumer, I kindly request detailed information regarding the steps your agency took to ensure that these items were reported with 100 % accuracy, as required under 15 U.S.C 1681i ( 7 ) Method of Verification - Description of reinvestigation procedure. Transparency in this matter is crucial for the fair resolution of my complaint.
Product: Credit reporting or other personal consumer reports

Victim of Identity theft. As a result hard inquiries are reporting on credit report that do not belong. XXXX XXXX XXXX  which occurred on XX/XX/year> XXXX XXXX  which occurred on XX/XX/year>. Identity theft and proof of identity attached to this complaint.
Product: Student loan

I want to file a complaint against XXXX now known as Navient for systematically and illegally failing in accommodating to help with repayments of my loan back so many years I was in financial hardship due to being a single mom with XXXX kids. My student loans when I graduated back in XXXX was around {$30000.00} and now has reached almost {$50000.00} because for many years I was told I would need to file for forbearance even thought I submitted documents that I was going through financial hardships. I was never offered a better alternative to pay off my school loans. As a single mother of XXXX, soon to be XXXX and as a military member I should not have to be responsible for {$20000.00} of incurred interest because I was misinformed and taken advantage of paying for a higher school loan. Especially when I tried requesting for help to reduce the payments or other options what would not lead to increasing my loan to what it is now.
Product: Credit reporting

Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX or any of their affiliates should remove such negative and false statement from my credit report