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

As I had reported to your office in bank in XXXX, as a consumer, I was a victim of predatory lending by XXXX XXXX of XXXX, NY ( car dealership ) and XXXX XXXX XXXX XXXX XXXXXXXX. These two entities played in concert to inflate my income to justify the debt-to-income ratio in getting me into a used XXXX XXXX XXXX that I could not afford and had no business getting into. All the proof is in writing so no way for anyone to dispute what I provided as my income and what XXXXXXXX XXXX shows as my income. Over XXXX off in what I make per year to what they are showing. XXXX XXXX ( the dealership ) is now pointing its finger at XXXXXXXX XXXX to blame and the bank is blaming the dealership. While Im stuck as the victim of a fraudulent debt and XXXXXXXX XXXX destroying my credit at free will each month. 

Long story short, as I am immensely struggling to make the above car payment living on XXXX and on Social Security benefits, my attorney and the bank 's attorney ( as you can see attached correspondence dated XX/XX/XXXX ) came to a settlement that affective XX/XX/XXXX by monthly payments would decrease to {$450.00} per month ( still very high but will try my best to pay ) and my credit report will be cleaned and no longer show delinquencies. As you can imagine, XXXXXXXX XXXX has been pummeling my credit each month. In return to the above amicable settlement, I was to no longer complain or talk about the scheme that I was a victim of between XXXX XXXX and XXXXXXXX XXXX. 

Today, XX/XX/XXXX, as I was preparing to make the above {$450.00} payment to XXXX XXXX for the XX/XX/XXXX auto loan payment, I got the attached " delinquent '' alert from XXXX? Seriously? Claiming that I was delinquent in a payment again and now owe the bank the amount of {$1900.00}? I immediately called XXXX XXXXXXXX XXXX XXXX XXXXXXXX this morning and spoke to a XXXX XXXX and he said " unfortunately will we continue to hit your credit as delinquent as there is nothing we can do about it. Agreement or no agreement. '' Nothing short of disturbing the scheme, scam and bullying that I've been subjected to as an innocent consumer. They are trying to shake me down in any way possible. Either pay the bad loan we tricked you into or we will continue to destroy your credit. Agreement or no agreement. 

What makes matters worse is that I'm trying to co-sign on a loan for my daughter and XXXXXXXX XXXX XXXX XXXXXXXX has destroyed my credit to the tune of over 140 points per bureau to force me to pay for their predatory lending scheme.
Product: Credit reporting or other personal consumer reports

This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepless nights. I am requesting damages for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.

XXXXXXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3.00} ; XXXX XXXX XXXXXXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified via personal credit monitoring that a collection account had been added to my credit report for {$15000.00}. Report states that Reliant Capital Solutions is claiming this is a new collection account that was opened on XX/XX/2023. I NEVER received any type of communication from this collector, I've not been able to dispute such, and they have placed this on my credit report without any notice. Second, this account is OVER ten years old. Given the age of the debt, Reliant is purposely and knowingly providing false information as well as scavenging old debt and presenting it to the credit bureaus as a new debt, one that is well beyond time barred.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$2900.00} ; XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX XXXXXXXX Balance : {$5300.00}.
Product: Credit card or prepaid card

I am a victim of Identity Theft. I did not make a Credit purchased from them which appears on my credit report. The fraud was opened on XX/XX/2017 with a balance of {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening XXXX Mgr ; Transunion/XXXX and Cfpb ; Listen, Im shocked and perplexed today when I reviewed my credit report and still noticed that your company continues to report erroneous, misleading, incomplete information on my name for this XXXX account # XXXX Acct # XXXX. I downloaded the FCRA guide/law from FTC website several months and learned so much about consumer law. Its my basic understanding that if youre going to report information on my consumer credit report, you must ensure that youre reporting them 100 % accurate, timely and verifiable according to the provisions of FCRA. Well, this account is unverified and there is no way that you can continue it report on my credit and say that its verified. I also noticed that XXXX removed it due to violation. Its reporting with multiple inaccuracies and inconsistencies. For example, there are different and questionable dates of last verified, last reported, last payment, dates of last active, and questionable dates of 1st delinquency. Each credit bureaus are reporting this in error, plus I already paid this account and I was told that in 30 days it would be removed from my credit report. Why only XXXX removed it from my credit report? Why are there 30/60/90 CO status payment status after the account has been closed. This account is in violation of fcra and its unverifiable.
Product: Credit card

Dear Synchrony and CareCredit, and CFPB, I am writing to formally address the inaccurate and unjust reporting on my credit report. During a period when I was experiencing a medical emergency, specifically related to XXXX, and dealing with compromised bank accounts due to suspicious activity, I communicated these circumstances to your company. I was assured that these issues would be addressed promptly, and any delinquency remarks on my credit report would be escalated and rectified. 

To my surprise, upon reviewing my credit report over the weekend, I discovered late payment entries on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I find this situation deeply concerning as I believe I made timely payments upon receipt of my statements. It is possible that some statements did not reach me during this tumultuous period. 

Given the extenuating circumstances surrounding my medical emergency and financial challenges, I urge your immediate attention to rectify these inaccuracies. These late payments are unjustified and are negatively impacting my credit profile, potentially affecting my financial opportunities. 

I kindly request the following actions to be taken swiftly : Removal of the late payment entries for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
XXXX and adjustment of my payment history to accurately reflect my payments during the mentioned periods. 
Confirmation that all late payment remarks associated with my account are expunged from my credit history. 
I emphasize that these inaccuracies not only undermine the agreed-upon assurances but also constitute violations under relevant consumer protection laws, including provisions of the Fair Credit Reporting Act ( FCRA ). It is imperative that these issues are resolved promptly to restore the accuracy and fairness of my credit report. 

I appreciate your prompt attention to this matter and expect a resolution that reflects the integrity of your commitment to consumer rights and fair credit practices. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. Thank you for your cooperation. 

Sincerely,
Product: Credit reporting

Items that are paid and closed are being reported as a 'Charged off ' status, and continue to report late payments although accounts are closed. In fact, a XXXX XXXX account that was paid in full and closed in XXXX is still reporting on credit bureau ; to be exact last reported in XXXX. 

Please review attached credit bureau and review the highlighted items. I believe this is unfair reporting and is causing me a lot of paid. 

Thank you for your attention to this matter!
Product: Checking or savings account

Please see my feedback to Case XXXX on why Ally 's interpretation of their own terms and conditions of the promotion they sent CFPB are incorrect and help me reopen the case. ( repeated in next section below ) Attaching letter I sent to Ally below where I had stated the CD I funded for the " new '' $ XXXX ( which is money I moved out of Ally earlier and resent to Ally, but as stated in my feedback and on the very terms Ally sent the CFPB, this is considered new money ) Item :XXXX Amount : {$100000.00} XXXX From Account : XXXX XXXX  XXXX XXXX Ending In:XXXX To Ally Account Ending In:XXXX
Product: Checking or savings account

on XX/XX/XXXX I order a new debit card after Capital One because someone was trying to charge me for things I didn't order with my debit card. No one had authorization to charge my card after XX/XX/XXXX on XX/XX/XXXX Capital One allowed XXXX rent car to charge my card this charge put my account in the negative of {$2300.00}. I rented a car from XXXX I purchase insurance and that was two months ago I should've been charge this. I will be filing a complaint against XXXX too. Once I notice the charge on my bank checking account I did dispute this charge on the XX/XX/XXXX. The problem I'm having is my direct deposit from my job will go to this account this will stop me from paying my bills, having money to go to work and buying food. Capital One are taking they time with dispute they are getting the record mix up. I ask to speak with their headquarter office the clerk staff refuse to give out the number so I can file a complaint about this issue. I'm asking for assistance from your office so this issue can be address asap so I can pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I opened a letter from IC systems telling me I needed to pay XXXX dollars for a debt owed to XXXX  internet. 

I was completely unaware of this debt, and upon confirming with XXXX  I paid that debt with them that same day on that same phone call. I was then informed a letter would be sent to IC systems that the debt had been paid. 

On XX/XX/XXXX XXXX received notice I had negative activity on my XXXX and XXXX credit reports, it was an open collections from IC system 's for a debt I had paid. I immediately disputed with XXXX and they have removed both the open balance and the collections notice from my credit report, XXXX is stating after my dispute that their information is accurate and I have an open collections debt. 

When I called XXXX on XX/XX/XXXX asking if they had sent the letter to IC systems telling them the debt had been paid they told me it had not yet been sent, but it would get to them within 60 days. 

My credit has been immaculate, I've never missed a payment, am in good standing with all of my creditors and don't believe XXXX got this right. I am potentially moving states for a new job and this negative impact on my credit will greatly affect my life.
Product: Credit reporting or other personal consumer reports

Selene Finance is a predatory lender and I NEVER HAD A MORTGAGE WITH THEM. 

please send me any documentation you have that proves that I owe it. Until then, please cease all communication with me and note on your records that I dispute any responsibility for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I became aware of an old utility bill debt I had from XXXX. The debt was from XXXX XXXX XXXX XXXX XXXX and was being collected by the Collection Bureau of America. On XX/XX/XXXX, I paid Collection Bureau of America the full balance owed of {$1700.00} ( see attachment ). The agency agreed to completely delete the collections account when payment in full was made. I satisfied that on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I opened the account for new doors through XXXX XXXX XXXX who secured the loan for the doors. I began paying on the loan monthly and scheduled via automatic Payments from my XXXX XXXX XXXX Account and I never missed a payment. My experian credit report shows my Aqua Finance Account is delinquent past 30+ days which is incorrect reporting on my credit report. I reached out to Aqua Finance and they said my account was in Good Standing and no delinquent Payments were on my account with Aqua Finance.
Product: Student loan

My employer was sending payments into initially XXXX - then later Aidvantage took the money- cashed the checks and applied none of the {$44000.00} to my account- the money has gone missing. 

The loan was serviced by XXXX  Even though the checks were made out to XXXX, Aidvantage just signed the checks and cashed them. Stole the money and didnt apply it to my loans.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely amended : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

THE PURCHASE PRICE OF THE HOUSE THAT I AM BUYING WAS XXXX I GAVE A XXXX DEPOSIT WHICH MAKES THE BALANCE XXXX AND I GAVE XXXX FOR DEPOSIT SO NY LOAN SHOULD BE FOR XXXX YET THE LOAN CAME THROUGH AT XXXX SO IT LOOKS TO ME THIS FIGURES ARE NOT ACCURATE I SPOKE TO THE LOAN OFICER XXXX XXXX AND SHE SAID THIS IS THE WAY THE BANK CALCUTE D THE LOAN
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I have no knowledge of them, and the company proceeded without my consent.
Product: Debt collection

Southwest Credit Systems has apparently obtained old collection information from a XXXX account that was removed from my credit report for over 3 years. They have now put it back on my credit report with an opening date of XX/XX/2019. This is illegal re-aging of a collection account and this debt is not valid. The company also parked the debt on my report and did not notify me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted for SEVERAL months for Equifax to correct the reporting of an inaccurate collection on my report. They have only sent me information stating the collection was verified and when I requested validation from both the collection agency and Equifax I have been ignored ( FCRA violatiion ) and information updated. 
They are reporting the collection as an open account ; which isn't under FCRA compliance. This is inaccurate reporting and needs to be removed from my account immediately. 
This account is also in violation of the No Surprises Act. Also ; effective XXXX XXXX XXXX are not be be a part of a consumers credit report. 
The collection is as follows : XXXX XXXX XXXX XXXX
Product: Checking or savings account

My mother passed away in XX/XX/XXXX. Due to the accounts being representative payee accounts, I had to go through probate to close the accounts and disburse the funds to my brother and me. On XX/XX/XXXX, I was appointed as the Independent Administrator of her estate. At this point, I talked to my attorney and was told that due to the nature of my mom 's assets, I wouldn't need an estate account and could disburse the funds directly from the existing bank accounts. On XX/XX/XXXX, I went to one of the bank 's branches to get the accounts numbers and balances to provide the court. After showing the employee the death certificate and my Letter of Administration, I was told she would have to send it to legal to review because she didn't think I had the right to the information. She told me I would hear back in a couple hours. I waited over a month to hear back from her and never did. On XX/XX/XXXX, I went to a different branch to request the same information. I was given the same response by this employee. I told him that his legal team already had the documents. The next day, he called me and said someone else, outside of their legal team, reviewed it and I could get the information I requested. On XX/XX/XXXX, after finishing the probate process with the court and them approving my filing, I confirmed again that I would not need an estate account, then I called the bank to confirm that I had everything I needed to close the accounts. I was told that yes, I had what I needed and they could close the accounts and disburse the funds to my brother and me. On XX/XX/XXXX, I went to the bank and spoke with the branch manager. At this point he told me he would have to check with their legal team about whether I need an estate account or not. I was told I would hear back in a couple hours. On XX/XX/XXXX, he called me back and said that I would need an estate account. He also confirmed that the documentation I had was exactly what they needed, and if I also got a tax ID number, I could open an estate account to move the funds to. On XX/XX/XXXX, I went to the bank with the documentation and a tax ID number. I spoke to the assistant branch manager. After looking at my documentation, she told me she would have to have their legal team review my case because my Letter of Administration is more than 90 days old. I was told I would hear back in a couple hours. On XX/XX/XXXX, I filed a complaint with their corporate office. As of XX/XX/XXXX, I still have not heard from the assistant branch manager. This morning, XX/XX/XXXX, I filed a second complaint with the bank. I was also told that when they reached out to the assistant branch manager, she said she was not familiar with the situation.
Product: Checking or savings account

Fraud branch withdrawal first transaction Cash withdrawal {$3800.00}. On XXXX at XXXX #  XXXX teller XXXX XXXX XXXXXXXX XXXX XXXX  2nd transaction cash withdrawal {$2000.00}. On XXXX at XXXX #  XXXX teller XXXX XXXX XXXXXXXX XXXXXXXX XXXX  I have reported this to the Bank ( CITIBANK ) several times but Im not getting a clear answer.its been one month and a half These transactions were processed in XXXX  and I reside in XXXX
Product: Credit reporting or other personal consumer reports

These accounts were charged off on the following date XXXX XXXX XXXX. This account is also being updated as a collection on my report as if the account is still open from XX/XX/XXXX - XX/XX/XXXX and reporting a balance of {$230.00} and {$490.00} when the account should be XXXX due to the account being a collection account. The account status is also stats that its open with EQUIFAX and XXXX but stats closed with XXXX which is also inaccurate. NONE of the information under my report matches. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX XXXX, EQUIFAX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX EQUIFAX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX Money Lion INC Money Lion INC XXXX XXXX XXXX XXXX, UT XXXX XXXX Dear Money Lion INC, Thank you for taking a couple of minutes out of your busy day to read this letter. Ive enjoyed my relationship with Money Lion since XXXX. Im writing because I noticed your company reported a charge off on my credit report. I am requesting a goodwill adjustment to remove this charge off from my XXXX, XXXX and XXXX credit reports. 

Upon Review of my records, I realize that I did was negligent with this account. Unfortunately, I was in several mental health hospitals and I was not in the right frame of mind. I take full responsibility for the mistake and have made sure it wont happen again. May you please make the goodwill adjustment requested. 

Thank you for your time and consideration. 

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

XXXX is reporting inaccurate information to consumer reporting agencies. XX/XX/2017 XXXX closed a account and charged off incorrect balance. XXXX charged off a account as {$19000.00}. This is incorrect according to the surplus and deficiency letter obtained by the XXXX. XXXX NEVER responded to any written letter of validation from me ( consumer ). XXXX refuses to delete even though they committed a FEDERAL CRIME by reporting false information to the IRS. I am contacting the IRS as well. They wrote off the inital price of the loan {$19000.00} instead of the approx 16k that was stated on the information XXXX provided the XXXX. This is tax fraud.
Product: Checking or savings account

I have POA for my XXXX XXXX XXXX XXXX who XXXX. Our Attorney reviewed the POA document and advised it was good for managing her financial, personal and health maintenance and more. My sister is currently in a XXXX XXXX XXXX XXXX XXXX XXXX release her to an XXXX XXXX XXXX XXXX XXXX. We have located one and are having her transferred but our local BB & T branch holding her money will not allow me to allocated the funds. The doctors,  attorney, XXXX XXXX XXXX, pharmacy and everyone else is in agreement that our document is valid and was executed two years ago prior to her XXXX progressing to the state where we have to assist her in order to keep her safe. This document has even been registered with the NC Dept. of registrations and deeds. I do not want her funds for my personal use but solely to pay for her own personal needs. Because she has a sizable amount of money in the bank the NC Dept of Health and Social Services advises they can not assist with any ongoing healthcare cost until her personal funds are reduced to only {$2000.00}. We need to get her assisted living fees set up as autopayments and need to have access to other funds to pay her other bills and personal maintenance.