23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I cancelled an account with XXXX in XXXX of 2013. They did not cancel until I returned any boxes or equipment related to the account. Therefore, I did return it to the local office and they confirmed cancellation. Following that, they charged me {$51.00}, which they took via ACH out of my account. I have followed up on numerous occasions to be refunded. They have sent me a statement every single month for 3 years now, that they owe ME XXXX. NOW, out of the blue, they are charging me for internet service. A service that I do not have nor have I ordered or had in three years. I have absolutely no connection with them other than the fact that they owed ME money. They are taking payments directly out of my checking account for random amounts and on various charges for things I have not purchased or received service for AT ALL. They are literally stealing from me. I want this account disconnected immediately and to be refunded ALL money.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of trans union inquiry issue These hard inquiries should be deleted from my trans union profile credit 1. XXXX XXXX XXXX. 

2. XXXX XXXX 3.XXXX/XXXX XXXX 4.XXXX/XXXX  -XXXX 5.XXXX  XXXX 6. XXXX of XXXX XXXX 7.XXXX  8. XXXX XXXX 9.XXXX  XXXX 10. XXXX XXXX 11. XXXX XXXX 12. XXXX  XXXX 13. XXXX XXXX 14.XXXX All  of these were taken off and then put back on with out me knowing. This violates section 611 of the Fair credit Act. 
There should have been a 5 day letter sent to me clearifing these inquiries
Product: Consumer Loan

The creditor Bank of America has reported a Charge-Off for account XXXX to all three bureaus. The original high balance of {$57000.00} has been reported incorrectly. All payments were made and the entire balance was paid in full however Bank of America & XXXX XXXX, XXXX are reporting a CHARGE OFF instead of paid in full violating the FCRA. it seems the loan was paid directly to Bank of America and was passed over to collection XXXX XXXX XXXX but the creditor is still Bank of America who has reported illegally to XXXX, XXXX, and XXXX. The account was paid in full and NOT Charged off.
Product: Debt collection

Yes this is a fraudulent account I have never open an account with XXXX I have tried to fix this with and they keep saying is verified they said because of a Address that I reported as far as well i have filed police report. I just want this taking care of it is causing XXXX XXXX and Im talking with lawyers now I have tried too many times to prove this is a fraudulent account and they are not doing their job
Product: Credit reporting or other personal consumer reports

The XXXX XXXX  credit card closed my account. And that's fine. The statement close date is usually the XXXX XXXX XXXX XXXX. I recently paid the card down to XXXX on XXXX XXXX and the card is still showing a balance on my credit report. 

They normally would post the statement if there was a balance on it. But i find it odd that now there is no balance on it and it's going on XXXX XXXX that the same information is being reported on my credit reports about a card that has been paid in full for a while now.. 

I called the company and they told me to call the credit bureaus. I call the credit bureaus and they tell me to call the company. This is insane that this is remaining on my credit report and is paid in full. It's damaging my credit profile.
Product: Vehicle loan or lease

We would like to file a complaint about Chrysler Capital and request assistance in resolving a title issue with our XXXX XXXX XXXX. Chrysler Capital was listed as a second lienholder while our vehicle was titled in XXXX, even though we never owed them money. The car was financed through XXXX XXXX XXXX and is fully paid off. On the XXXX  title, there is a stamp next to the XXXX  XXXX XXXX line item, clearing that lien, but not next to the Chrysler Capital line item. 

In XX/XX/XXXX, we moved to XXXX  and upon trying to register our car, we were told we could not because there was no indication on the title that we did not owe anything to Chrysler Capital. Since XX/XX/XXXX, we had called Chrysler Capital numerous times to request they send us documentation to indicate we do not owe them money. While the agents we called tried to be helpful, there was never any continuity between calls because the agents told us we dont have an account with them, so there is no ability to follow up on any of our requests, leading to no progress on resolving our issue to date. The agents have provided us email addresses and a fax number, both of which we used to send our supporting documents for our request. We were able to confirm that they received the needed paperwork and were told a letter would arrive in 24 to 48 hours, but nothing has come of our efforts almost two months since that last attempt. 

This has been frustrating because it has resulted in unnecessary work on our end, including trying to find a lawyer to persuade Chrysler Capital to act, as well as preventing us from being able to sell our car. It has also resulted in us needing to pay personal property taxes in XXXX  on our car, despite no longer living there. As of XX/XX/XXXX, we were able to register our car in XXXX, but our title still has not been cleared of the Chrysler Capital lien holder. 

We would like Chrysler Capital to send us an official document indicating we do not have any debt with them so that we can remove them as a lienholder from our title. 

Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX credit Bureaus after I purchased a credit report in XXXX  After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$35.00} ; XXXX XXXX Balance : {$33.00} ; XXXX XXXXXXXX Balance : {$35.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX  XX/XX/XXXX.
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXXXXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX : {$960.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, I had a statement balance due and I paid it in full. So the remaining balance is XXXX. Then on XX/XX/XXXX American Express charges me interest like I didn't pay the balance. When I asked for the interest removed, they refused. How can I be charged interest when the total balance on the card is already XXXX?
Product: Debt collection

XXXX XXXX XXXX, is reporting on my credit in collections. According to the credit bureaus and on XXXX XXXX they have been making fraudulent payments on this account for {$1.00} randomly from time to time. These are payments Im not making. What they are doing is illegal and i know my rights. I called and asked for debt verification and a representative that was rude and nasty refused to send me proof this debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Foreman Financial conducted a hard inquiry of my credit without authorization on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/1977. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to contact DIVESIFIED ADJUSTMENT SERVICES INC to settle an account placed on my credit reports dated on XXXX XXXX ( XXXX  XXXX  ) with a total balance of ( XXXX ) upon looking at thier website in my accounts summary is NOT the account refrenced and placed on my credit reports but an account balance of ( XXXX ) previously and sucessfully disputed and removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year>XXXX  It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing too adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected nor removed.
Product: Credit reporting or other personal consumer reports

XXXX 's decided to report my account as late back on XX/XX/2023 and it has brought a burden ever since. Credit is being denied, account are being closed, and other they just lowered my credit limit due to XXXX incapability to do their job and report accurate and double checked information. This is the importance of human eyes and human job and not trusting softwares completely. I'm still carrying this burden due to their HUGE mistake. After this I will be seeking legal counsel to ease my burden and collect all monetary relief possible for everything I had gone through. 

Attached all payment showing no payment was made late and also an screenshot showing you reporting me late to XXXX and Good know where else. 


If you need this, I XXXX XXXX XXXX authorized CPFB to disclose my information to you and I authorize XXXX 's to do the same.
Product: Credit reporting or other personal consumer reports

The information Ally Financial reporting now is illegal and incorrect. They have changed or updated the payment history almost three times. I did not Voluntarily Surrender my vehicle in XXXX of 2022. Due to filing multiple complaints on this company theyre now reporting incorrect information from whats on my actual account in their system.
Product: Credit reporting or other personal consumer reports

Bankruptcy reported on TransUnion XXXX XXXX. This account is not on XXXX, so I want it removed. Also in the state of Pennsylvania statutory limitation is XXXX for bankruptcy on credit report. This was suppose to be off my report 3 years ago.
Product: Debt collection

Experian has a false amount that I owe to XXXX on my credit report. They have DELETED the account, than reinstated the debt back on the report with a false opening date of XX/XX/2021. 

This information is NOT true and unjust.
Product: Debt collection

Despite the statute of limitations having expired in XXXX 2014, XXXX continues to publish derogatory reports to the Credit Reporting Agencies. Their collection agency, Jefferson Capital, has been told that their claim is time-barred, and they can no longer collect, but they continue to publish negative reports in an attempt to defame my credit.
Product: Debt collection

Around XX/XX/XXXX I opened a credit card account with XXXX XXXX to purchase leads for my company. The parent company abruptly closed in XX/XX/XXXX. I owed an amount of {$2100.00} on the balance. The debt was eventually placed with Asset Acceptance and then turned over to Midland Credit Management. I have apparently been sued for this debt because I just received a copy of a judgment order from XX/XX/XXXX saying I need to inform them of what possessions I own. I have never been served with an order to appear in court, and this debt is 13 years old AND it doesn't even appear on any of my credit reports. I think this is way for them to get me to pay an old debt they obviously bought. I also think this debt is time barred. I don't know what to do, I'm XXXX due to XXXX XXXX XXXX and have no money to pay. The debt is now {$3000.00}.
Product: Debt collection

I had noticed recently that my credit report had collections from a company named Receivable Recover services. On XX/XX/2019 I called Receivable Recovery services because in XXXX I had sent letters asking them to verify debt that they claim I owe and had not received a response. I spoke with 3 different people after calling 3 different times that day. I asked them to tell me what the debt was for and they gave me a list of account numbers and amounts that were owed. I asked if they were duplicates because the some of the amounts reported on my credit report are the same. They said they were not. I asked them to send me validation of the debt and the person I spoke to said that she would check with her manager. On XX/XX/XXXX I received a packet in the mail with a list of account numbers and amounts owed, with the original creditor being XXXX XXXX 
These are the amounts owed. 
{$120.00}, {$50.00}, {$120.00}, {$65.00}, {$150.00}, {$120.00}, {$65.00}, {$630.00}, {$520.00}, {$65.00}, XXXX, {$600.00}, {$350.00}, {$36.00}, {$600.00}, {$28.00}, {$830.00}, {$41.00} Also Included in the packet was various copies of " Conditions of treatment '' with signatures on the 3rd page. On one account the signature is clearly not even my name. I am not responsible for the account. Some of these other signatures look nothing like mine. This is not an adequate validation.
Product: Checking or savings account

Bank of America XXXX # XXXX ( see attached letter faxed to the bank ) On the initial call, on XX/XX/2024, I asked several times what I could do to help resolve the matter. I had footage of the incident and I was told it was not necessary. That if if anything was needed I would be contacted. I was not contacted, I was just told I owed money, and not given a chance to show my supporting documentation. In addition to not allowing to support my claim I was not given the opportunity to appeal. I was sent a message that the claim had been resolved and I owed {$360.00} ( see attached ) and to make matters worse they took {$1200.00} instead without notifying me and it cost me to be overdrawn on the account. 

What is even worse is I called in about XXXX times always being directed to different person or on hold. I finally went into the back because I was told to write a statement letter and have the bank fax it in order for my claim to be Re-reviewed. The Bank Employee who helped me said she had never heard of this " written statement '' or where to fax it, and she had been there 17 years. 

I am seriously beginning to wonder to how many other people has this happened to. And become liable for a bank error and the bank is just keeping this money because they have no way of proving that it was verified when they cant even tell me how it was verified. This department is in a remote office working eastern standard hours, they are not with the bank where it happened, and furthermore this decision was made almost 60 days after the fact. Why did it take so long to verify?
Product: Student loan

On XX/XX/2023 I paid off my student loans in full in the amount of {$34000.00} on the Ed Financial payment portal. I made 2 payments from 2 different accounts seconds apart. My 1st payment was in the amount of {$24000.00} and my 2nd payment was in the amount of {$10000.00}. Ed Financial has verified they've received {$34000.00} from me and that I don't owe anything further. However, Ed Financial has not applied my payments to my account and don't know when they will. I have a balance due of XXXX that I should not have. The hold time has been 4hrs plus to speak with someone.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle handling of disputes particularly considering recent CFPB lawsuits highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my XX/XX/XXXX and zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute incorrect invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureau Equifax regarding this matter. I been trying to purchase a Home and it seems like i am not getting no where with Issues on my Credit report, 15 USC1681 section 604 A section 2 : It also states that consumer reporting agency can not furnish a account without my written instructions. Please correct these accounts XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I appreciate you making the effort to delete and repair some of the data on my credit report.
Product: Credit reporting

I 'm the victim of identity theft as a result some of the information on credit was fraudulent. I have requested these information to blocked, but the credit reporting agency failed to do so. 
XXXX CARD with the balance XXXX XXXX card with the balance XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report from Amex XX/XX/2021 & XX/XX/2021 ( XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XX/XX/2021 ( XXXX ) , XXXX Auto Finance XX/XX/2021 ( XXXX ) , XXXX XXXX XXXX XXXX XX/XX/2021 ( XXXX ) XXXX XXXX XXXX XX/XX/2021 ( XXXX ) and XXXX XXXX XX/XX/2021 ( XXXX ) all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately
Product: Credit reporting or other personal consumer reports

Representative, I am writing to formally dispute certain inquiries listed on my credit report, which I believe to be fraudulent. Upon reviewing my report, I identified unauthorized credit inquiries that I did not initiate, authorize, or consent to. These inquiries are adversely affecting my credit score and do not reflect any legitimate application for credit or services made by me. 
The specific inquiries in question are as follows : 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 As these inquiries were made without my permission, they are a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Section 604 of the FCRA strictly limits credit inquiries to situations where there is a permissible purpose. Since these inquiries do not meet that criterion, I request their immediate removal from my credit report.
Product: Vehicle loan or lease

The XXXX XXXX miss my payments and put the account behind. Misses the credit system. 
Uses high interest rate and will not help the consumer with state programs or covid regulations.