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

United Consumer Finance I bought a car on XX/XX/XXXX. The payment of the car was {$400.00} every XXXX of each month. XX/XX/XXXX I decided to trait in the car for an SUV. My bank paid the remainder of XXXX and change on XX/XX/XXXX. United Consumer Finance said they did not received the check but the bank has prove they got the check o the XX/XX/XXXX. It was paid 5 days prior to a due date. United Consumer Finance still til today got in my credit score a 30 days late. Which it was never late.
Product: Debt collection

The company 's name, according to them is Southwest Credit Systems. I do not know the company nor do I do I owe them anything!! They call repeatedly, and I've told them they have the incorrect information and not to call me again. I have several recorded messages left on my voicemail, even after I told them to stop calling me. I need help getting them to stop calling and leave voicemail for something I'm not even aware of. They even call after XXXX XXXX  when I'm already in bed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lost my main wallet with my personals SS, babyphoto and 2 cards. I thought I was okay until I saw weird accounts popping up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is in tended as follow up to FTC Request Number XXXX, submitted on XX/XX/XXXX, wherein I have requested that my Experian and XXXX credit files be permanently expunged. Both Experian and XXXX have elected to become complicit in mail fraud and mail tampering in the furtherance of mail fraud by steadfastly persisting for two and-a-half years now in listing a fraudulent debt reported by the collection agency in question, Professional Debt Mediation, which has violated Florida State law in its handling of the debt upon being assigned to it by XXXX XXXX XXXX on XX/XX/XXXX ( XXXX Account # XXXX ) and then proceeded to deliberately violate Federal Law by engaging in both systematic mail fraud and mail tampering to cover it up. Despite notifying me about the debt on XX/XX/XXXX via First Class U.S. Mail at the new address I had moved to in XXXX, Georgia on XX/XX/XXXX, when I disputed the debt via email on XX/XX/XXXX, the creditor responded on XX/XX/XXXX -- more than two full months after initiating collection activity against me without the 30 days prior notice to my last known address via Certified Mail of its intention to impose a claim on my deposit required by Florida Statute 83.49 ( 3 ) ( a ), which further specifies that the creditor must refund my deposit before initiating any collection activity against me in such a circumstance ( www.leg.state.fl.us/statutes ) -- by generating a fake Certified Mail notification to my previous address in XXXX, Florida ( USPS XXXX # : XXXX ). The creditor then further exacerbated its willful perpetration of mail fraud by intercepting the Certified Mail notice with the help of the Postal Carrier for the route on XX/XX/XXXX in an effort to prevent me from finding out about it, since my mail ( including all Certified Mail ) was set up with the U.S. Postal Service to be forwarded on a permanent basis to my new residence in XXXX, Georgia, as of XX/XX/XXXX. Despite the endless obfuscations of the creditor and collection agency in question regarding this fraudulent debt, it should be palpably clear that they deliberately violated Federal Law by engaging in willful mail fraud and mail tampering in their handling of the debt, which can only have been instigated to cover up their failure to comply with Florida Statutes in the handling of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified that Equifax had been hacked I that my information has been compromised.
Product: Debt collection

All State Credit Bureau , Inc. was paid {$1500.00} on # XXXX and was settled. They reflected a XXXX balance on the receipt as well as reporting to the three major credit reporting agencies however they are acting as a lender and not a debt collector refusing to close out the account.
Product: Debt collection

Penn Credit Corporation calling from XXXX is repeatedly calling my mobile phone harassing me about a debt that is not mine. I've repeatedly requested that they stop calling my number and to remove my number. Yet they persist.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to : Experian at XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested an investigation into and validation of various questionable accounts on my credit report. The results came back with some of the questionable accounts being verified. 

On XX/XX/XXXX I sent a letter to : Experian at XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested a re-investigation into, and validation, of various questionable accounts on my credit report. I asked for the method of verification and supporting documents validating the accounts as being accurate. I was provided neither. 

On XX/XX/XXXX I sent a letter to : Experian at XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested a re-investigation into and validation of various questionable accounts on my credit report. I again asked for the method of verification and supporting documents validating the accounts as being accurate. Once again, I was provided neither. 

As of XX/XX/XXXX the questionable accounts have not been validated but still remain on my credit report.
Product: Bank account or service

On XXXX/XXXX/2015, Wells Fargo had charged me XXXX in overdraft fees, and and I had 30 days to pay off the account instead Wells fargo took the XXXX from my other account and settled the overdrawn account, and the 30 day time frame was not up. Which I was misinformed about how to close the account. I was not given the proper procedures. This is the second issue I had about Wells Fargo and their overdraft fees. The account was supposed to been closed in XXXX 2015, but as of today I found out that Wells Fargo did not closed the account. I called a rep on XXXX/XXXX/2015, little did he wanted to do anything about it. The company is in denial.
Product: Debt collection

Somebody put in a fraud alert on me. We are buying a home and the lender just called me and asked me if I did it. I 'm sure it was a collection company out of Florida that did it to muddy up my loan!
Product: Debt collection

Requested information validating accounting, original contract with signature I have not supplied proof under doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

They never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX, and I am a recently former consumer of Portfolio Recovery Associates. I am writing in regards to my now closed, Paid in Full, purchased by Portfolio Recovery Associates from XXXX XXXX.. 

Upon speaking with several supervisors I have received conflicting information from several different representatives, and due to this and the extenuating circumstances that caused the initial delinquency -- and the fact that I resolved this account in full and amicably it is still reporting as an open collection with a balance due of XXXX I have received my Paid in Full letter as of XXXX/XXXX/XXXX. However, due to the conflicting information from Portfolio Recovery supervisors and staff, and given the treatment from the staff at your company in regards to this urgent matter.
Product: Credit card or prepaid card

Per Previous Complaint # XXXX The ( XX/XX/XXXX ) TD Bank letter stated that they would credit my account within 3-5 Business Days. As of this date ( XX/XX/XXXX ), the two charges are still on my account and/or there was no credit issued. I searched the original charges and also reviewed all credits to my account in XXXX. I made a phone call Thursday ( XX/XX/XXXX ), left a polite detailed message, and have not received a return call. 

I understand the companys response to my complaint I understand what they were supposed to do ; however, they never followed through on their promise.
Product: Checking or savings account

On XX/XX/2023 I purchased a pair of XXXX XXXX XXXX XXXX XXXX XXXX XXXX' for a sneaker app called XXXX  for XXXX. Once I received them in the mail I could tell they were not authentic and requested a return to XXXX. I sent the shoes back to XXXX  and was told that I would receive a refund but never did so I disputed the charge in the amount of XXXX. I sent PNC bank all of the information they requested via email about the transaction however I was only credited XXXX dollars from that transaction. This is due to another credit that was given to me by XXXX  in the amount of XXXX for a completely different pair of shoes. On XX/XX/2023 I order a pair of XXXX  XXXX XXXX XXXX and upon arrival they shoes appeared to be worn and in the wrong box so I sent them back to XXXX for a refund of XXXX. The refund of XXXX that I received from XXXX  was for the XXXX XXXX and not the XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I'm still missing XXXX from my account because the dispute amount credited should have been XXXX and not XXXX dollars. I called customer service and spoke with them and disputed the transaction again and it was quickly denied and yet here I am still missing my XXXX.
Product: Credit card

US Bank refuses to award the annual renewal rewards bonus tied to their XXXX XXXX credit card product even though I have paid the annual fee. The fee was paid late because unlike XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, or XXXX, they do not include the amount due or mininum payment due in the e-mailed statement. This problem happened 2 years is a row and now they are saying that because the fee was n't paid when it was due, I will not be receiving the annual rewards.
Product: Debt collection

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to a private loan that is reporting incorrectly on my credit files/reports. On at least one occasion I have disputed the validity of the information being reported for this account and the dispute always comes back as unchanged and the account information being reported has been verified.
The issue was clarified in the 1996 amendments to the FCRA, which set a specific starting date that is now SET BY LAW as the last deliqency date, and not later dates, such as a DOLP.
FCRA Section 605 : ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Late Payments - Seven years from the month in which the late payment was due. If there are multiple late payments in one account item, then they will each expire individually. 
Charge-Offs - Seven years. The time runs from the date of the delinquency, plus 180 days. For example, if a payment was due on an account on XX/XX/XXXX, but the debtor defaulted, and never caught up to become current again, and the account is eventually declared a charge-off by the creditor, then the seven years reporting time limit starts running on XX/XX/XXXX, with the item scheduled to expire from his/her credit reports on XX/XX/XXXX. I have attached paperwork directly from the XXXX website that clearly shows the first late on thisaccount occurred on/around XX/XX/XXXX, but my credit files are reporting that there was n't a late on  theaccount until XX/XX/XXXX. This erroneous entry showing an incorrect date of first delinquency is detrimental to my overall credit rating and has caused me severe financial and emotional distress. My question now is how was this investigation conducted to confirm that what is currently being reported is accurate? A template response to my complaint at this point will not be acceptable. This account is not only being in-accurately reported but is also past the reporting limits based on the Fair Credit Reporting Act. If this situation is n't immediately rectified I will be forced to take further legal actions.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as they are incorrect and does not reflect my true credit history. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to unfreeze my credit report because I am in the process of opening a new savings account. As part of their standard procedures, financial institutions often perform a credit report review to verify identity and assess eligibility. By temporarily unfreezing my report, I am allowing the bank to complete these verification steps without delay, which will help me establish the account and take an important step toward building my savings and achieving financial security.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three consumer reporting agencies are in violation of the FCRA laws as they have stated per their initial investigation into the accounts listed below that these accounts are valid. Per my investigation, confirmed by my credit report, all three consumer reporting agencies are reporting inaccurate information, even after stating they have validated these accounts. Either the furnisher to whom they are getting their information from is providing inaccurate information or the agencies themselves are knowingly reporting inaccurate information. I demand these accounts be deleted because there are being reported inaccurately and are in violation of the FCRA. 

DELETED the following accounts because of INACCURACY in the following categories : DATE OPENED - DATE LAST ACTIVE - DATE LAST PAYMENT - PAYMENT HISTORY - ACCOUNT STATUS - PAYMENT STATUS - BALANCE - HIGH CREDIT - CREDIT LIMIT XXXX XXXX XXXX  Account number : XXXX ( In accurate payment history ) XXXX  XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) XXXX XXXX XXXX  Account number : XXXX XXXX  XXXX Account number : XXXX  ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX  XXXX Account number : XXXX ( Payment history missing XX/XX/XXXX yet reporting still active as of months reported as collection ) XXXX  XXXX Account number : XXXX ( 3 months of payment history missing prior to 30 days late report - also reporting active during a month account shows in collection ) XXXX  XXXX Account number : XXXX ( 2 months of payment history missing prior to 30 days late report - also reporting active during a month account shows in collection ) XXXX  XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) XXXX  XXXX  XXXX/ XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) All hard inquiries being reported by Experian and XXXX must be XXXX because they are reporting inaccurate information.
Product: Prepaid card

An app took unauthorized money. I called direct express and they sent another card. There was still a provisional credit I called to straighten it out and They cancelled the new card after putting the money on it so now my money is unavailble for another 10 days. They didn't help me and I spent literally hours on hold.over the years I have lost hundreds of dollars to fraud that they said wasn't fraud when it clearly was and they are just the worse people to deal with.
Product: Credit reporting or other personal consumer reports

I filed a complaint about items on my credit report that were inaccurate and the response I received was " that I haven't applied for credit in 10 years, and that I don't live in the United states '', which both of those statements are false and don't address the allegations I had in my complaint which are " XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

XXXX XXXX XXXX Account # XXXX This account does not belong to me. I do not have a contract with this company. This is inaccurate.
Product: Credit reporting or other personal consumer reports

I do not recogized these credit inquires and I ask for them to be removed but the credit agencies did not do as I ask. Im providing an identity thief report which I will attach. I ask that these inquires be removed because they are inaccurate and not mine
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian Consumer Solutions XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA There should only be one address in my report, which is : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX The only job I need listed is : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
Product: Payday loan, title loan, personal loan, or advance loan

Some time ago, I applied for and was approved for a line of credit with NetCredit, with the expectation that it would function as a genuine line of credit and not as a cash advance. However, in recent months, I have come to realize that my " line of credit '' is operating more like a cash advance, which was not what I was originally promised. 

Since I began using this supposed line of credit, a total of {$1000.00} has been debited from my account, and I have been making bi-weekly payments for the past six months. Despite these payments, I am shocked to discover that I have a balance of {$650.00} in hidden charges. Additionally, the principal amount I owe remains nearly the same as the initial loan, amounting to {$750.00}. 

The advertising that initially attracted me to NetCredit promised a true line of credit with clear and transparent terms. However, the reality has been entirely different. I feel deceived by this situation, and it is unfair that a significant portion of my payments is being credited to hidden charges, while the principal is barely decreasing. 

I demand that this situation be clarified immediately, and the necessary corrections be made to my account. I want my payments to be properly applied to the borrowed capital, and for the structure of charges associated with my line of credit to be clearly and accurately disclosed. 

I expect prompt action to address this concern and resolve this issue fairly and equitably. I appreciate your immediate attention to this matter and look forward to your response to rectify this misunderstanding satisfactorily. 
Also, in Florida the maximum APR for loans in30 %, they are too high.