23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have filed a few other complaints related to this situation. My payments on the loan I received from One Main Financial were not correctly applied to my balance. And after I filed my initial report with the CFPB, they stopped sending me bills. I figured the complaint I filed with the CFPB had motivated the company to correct their mistake and finally properly apply my payments, making the loan paid in full. So to be sure, I called One Main Financial. I was told my account had been charged off. But, they never sent any mail notifying me of this. I was then transferred to a recovery department. The representative I spoke to told me she could n't give me much info about my account and someone would have to call me back in a few days. It 's been almost two months. I called back today and was just transferred around to several different operators as well as given very different phone numbers for what was supposed to be the recovery department. I finally spoke to XXXX representative who told me the reason I was probably being rerouted back to the main number is because the recovery department goes to lunch XXXX However, I think it 's still ridiculous that no one could give me answers about my account. I want to know what type of consequences the company can face for stopping my bill statement and then charging off my account without notice. They have the title to my car also. Should I get a lawyer? This was a very bad loan, if I pay back the entire amount they are requesting then my interest will have been 100 %! I borrowed {$6000.00} and they want me to pay back {$13000.00}! Please help. My sister is in college and neither me or my dad can co-sign a parent plus loan for her because of this predatory loan One Main Financial misleading led us into. It 's not fair. i 've paid quite a lot on this loan and I 'm just ready for this to be resolved so i can move on with my life.
Product: Debt collection

For the past month I have been receiving 3 to 5 phone calls everyday I asked them to call me less that I understand that I have a debt and will pay when I receive a bill in the mail I have yet to receive a bill but still am getting 3 to 5 calls a day and they leave a voice-mail everything they call
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have unauthorized inquiries on my credit report
Product: Credit reporting or other personal consumer reports

It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged. Make payments on my credit report. Under federal law, they had 30 days to complete the investigation, and by failing to do so, the item must be deleted from the report as soon as possible. Fair Credit Reporting Act this creditor has violated my rights under 15 year C 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 and also states a consumer reporting agency. They're not functioning in the car without my written instructions under 15 USC 1666 BA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is one of many times we have addressed this situation over. These accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX are not complete and accurate
Product: Debt collection

On XXXX XXXX a Judge with XXXX County Clerk of the Courts in XXXX XXXX Florida dismissed a collection named XXXX XXXX XXXX for XXXX. 
I did a dispute with all three credit bureaus. XXXX and XXXX both said I was right and took them off my credit report. Experian however hasnt. I tried twice and I got 2 letters from XXXX  XXXX stating that my credit debit was acquired by XXXX XXXX, XXXX XXXX XXXX. 
Experian has not done what the courts ordered them to do. I want to settle this matter with Experian. 
I have all the documents if you need to see them.
Product: Money transfer, virtual currency, or money service

This has nothing to do with my Bank of America account. I has everything to do with the Bank of America account held by XXXX XXXX, the money mule for a scam fake investment company pretending to be the actual XXXX XXXX XXXX XXXX. The Bank of America branch at XXXX XXXX XXXX XXXX, XXXX, North Carolina XXXX has allowed this money mule to operate using its bank since at least XX/XX/2019 and my particular case, it allowed XXXX XXXX to steal a bit more than {$120000.00}. B of A has refused to provide its valid fax # or email address, so I resorting to contacting you along with other law enforcement agencies. Eventually, a subpoena might be necessary to open up this bank account, but at the moment, I am focusing on freezing the XXXX XXXX bank account, so that additional money does not disappear, so that I can possibly receive some of the money in that account. The police will look at the paper trail in future weeks. 

Here is what you will need : Account Name : XXXX XXXX, Account # XXXX XXXX XXXX, XXXX XXXX XXXX ; ABA/Routing Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX, EXPERIAN, and XXXX are all in violation of my consumer rights by reporting bankruptcies on my consumer report without having permissible purpose to do so and without ACTUALLY doing their job according to the FCRA. The law clearly states that they must follow strict guidelines and procedures to ensure that all reports are the same and 100 % accurate. Keep in mind they are contractually obligated to accurately maintain my consumer files and reports. The U.S. government entered into an agreement by allowing them to assume the role of maintaining our consumer reports ( 15 USC 1681 ( a? ) ( 3 ) ). They have greatly harmed my banking abilities which are critical in order for my to attend to my everyday course of business as a consumer which includes my household purposes ( 15 USC 1681 ( a ) ( 1 ) ). Pursuant to 15 USC 1681 ( a ) ( 2 ) my reputation has been harmed, and my character has been assassinated. Pursuant to UCC 1-201 ( 1 ) ( 2 ) as the aggrieved party I am allowed to take action and pursue remedy for the violation of the agreement which was made with congress and myself to perform their duties. Each credit reporting agency named above has failed to do so. Each Credit reporting agency has stated that the furnisher has validated the information being reported. The furnisher was reported to be the courts but I have already submitted documentation from the courts that says that this statement is false and misleading due to the fact they do not furnish data. Then each agency said that XXXX a secondary reporting agency furnished the data. XXXX has provided documentation stating this to also be a false and misleading statement. This is a clear violation of UCC 9-506. 15 USC clearly outlines how my consumer report is a critical instrument used in the banking system to allow myself an investor in this banking system access to my XXXX  given right under our constitution as a natural person to credit. It is imperative that this financial report which illustrates my credit worthiness to the banks is 100 % accurate. My consumer files are my real property and the consumer reports are fixtures so related to my real property. This is why as the transmitting utility the accuracy of filings ( my consumer files ) are of the utmost importance to me ( UCC 9 -102 )
Product: Student loan

I pulled my credit reports and I'm showing two missed payments on my credit from Discover SL. I am still in school and am not due for repayment right now. I've spoken with them numerous of times and they promised to update and remove those missed payments and they have yet to do so. I am frustrated at this point and have no idea who else to help me besides filing a complaint.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and i am composing this sensitive message and complaint because of the inaccurate reports that the THREE credit bureaus ( XXXX, XXXX, Equifax ) are displaying on my credit report. I have contacted these reporting agencies several times in regard to fix these inaccuracies of late payments and lateness on my account. They refuse to respond and fix. I am them to please UPDATE to paid as agreed. As i have never missed an payment. I am always on AUTOPAY. These late payment statements are hindering my account and hurting my score. I have exhausted my remedies and i need HELP! The representatives keep me on hold and do not return and/or hang up on me.
Product: Debt collection

I entered a consumer credit transaction with the alledge original creditor and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. A third party debt collector JEFFERSON CAPITAL are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. JEFFERSON CAPITAL has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Product: Credit card or prepaid card

PayPal is refusing to allow me to close my account. 

I received notice from PayPal in XXXX that they could not process a transaction. With no explanation, they requested that I provide additional information, including my social security number, photo, and bank statement. As I was not willing to do so, I tried to close my account but was informed that, in order to close my account, I would have to provide this new information. I tried to remove my credit card information with the same result. 

I recently tried again to close my account and, although they had removed the request for a social security number, they still wanted a photo and bank statement before I could take any action. After speaking with their customer service, I was told that I received the initial notice most likely due to a charitable contribution made on XXXX ; there was no actual problem with my account. They still insist on my adding a photo and bank statement before I can close my account or even remove my active credit card information.
Product: Credit reporting or other personal consumer reports

I have attached several disputes I filed that werent removed or investigated properly
Product: Debt collection

I received a letter from Midland Credit Management , Inc stating I owe them a debt again after I already told them to cease and desist. Today I looked on my consumer credit report and Midland Credit Management , Inc has a collection on my credit.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : DPT ED/XXXX # XXXX, Account name : DPT ED XXXX # XXXX, Account Name XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX has violated my rights. 
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: Debt collection

on XX/XX/18 Portfolio Recovery placed a collection account on my credit profile for the amount of {$2000.00} which I do not owe. I did not open this account, I did not authorize this account to be opened in my name, I had no knowledge of this account. The original creditor is listed as XXXX XXXX  ( Banking ). Which I do have accounts with and all are in good standing. I tried contacting XXXX 's fraud department and they claimed to have no record of an outstanding unpaid balance under my name. The only accounts they have record of are the accounts I currently have which again, are in good standing. 
I have tried disputing this with both Portfolio Recovery over the phone which they claimed an investigation would take place and I would be mailed the results, that never happened. 
I filed a dispute with all 3 major credit bureaus and they came back as " VERIFIED AS ACCURATE '' but could provide no information how it was verified as accurate and told me to take it up with Portfolio Recovery. I have tried in good faith to resolve this issue and I find myself constantly being shifted around from one company to another trying to have this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have seriously been working on my credit score for the past 2 years with an exceptional payment record with no late payments or delinquencies getting my score up to XXXX with XXXX, At this point I felt ready to investigate my options for obtaining a mortgage to view properties. I opened an account with XXXX in XX/XX/XXXX and have been on autopay as all my accounts are and to my surprise i was notified by Transunion that i had a potentially negative report on my score, when i investigated it was XX/XX/XXXXXXXX saying i was 30 days delinquent, I called XXXX and they told me my account was at XXXX balance and i have {$1500.00} available credit! 
I reported to all 3 agencies my dispute and mailed also to them and XXXX. I did have a compromised bank card back in XX/XX/2020 and cancelled it out with the bank who put in place my new card and mailed me the physical card. All my other creditors and autopay payments went thru fine apart from XXXX who did not notify me at anytime that this occurred, so my XXXX is now at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX will not investigate disputes. I sent disputes about credit balance for chase and XXXX cards being incorrect and they advised that I already disputed it but they have not resolved the issue. XXXX specifically is allowing anyone to access my credit report without my authorization including XXXX  XXXX XXXX of a car loan I did not initiate.
Product: Money transfer, virtual currency, or money service

I transferred {$250.00} in 2 {$50.00} transactions and 1 {$250.00} transaction on the XXXX of XXXX. Coinbase stated that the money would be available in my account on the XXXX. It still has not shown up on the XXXX even though the money has already been taken out of my bank account. In addition, customer service no longer responds when I email and their first response was inaccurate and unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

NelNet is reporting late fees on all of my credit reports. It is improper use if my credit report and hindering me from home ownership
Product: Payday loan, title loan, or personal loan

This company is charging over XXXX  % interest that is against the state of XXXX law and is not licensed to loan in my state I contacted the company and withdrew XXXX and XXXX card authorization at the advise of an attorney and offered to pay back principal only but they want me to call instead of responding in writing. Due to the illegal loan shark loan I am willing to reimburse principal only.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau has failed to timely remove/delete the public item of federal bankruptcy from my credit report as such reporting is " aged ''. On or about XX/XX/XXXX, I filed federal bankruptcy under XXXX XXXX During the course of these proceedings my XXXX XXXXXXXX was converted under 11 U.S.C. 1307 ( a ) to XXXX XXXX. XX/XX/XXXX, my bankruptcy was discharged. I've contacted the credit bureau and discussed this. I was told that the information comes from a 3rd party and a dispute was initiated. Upon receiving the results of the dispute, and nothing being changed ; I am filing this complaint. XXXX reported the information to the Credit Bureau despite providing them with proof that this was an initial XXXX XXXXXXXX filing which has a 7 year reporting time ; it continues to be reported. XXXX reports that the XXXX XXXXXXXX was dismissed or closed, when in fact it was US statute conversion. There was also a reference that all debts were the responsibility of consumer. XXXX XXXX bankruptcy is deleted seven years from the filing date. The reported information should have been deleted XX/XX/XXXX. XXXX have deleted the bankruptcy from my credit report. Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX https : //equifaxconsumersXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy reporting on my credit report that should not be reporting
Product: Debt collection

I never opened an account with LVNV or XXXX. In XXXX of 2016, My parents forwarded me a letter that was sent to their house at a XXXX address. After reviewing my credit report, it appears there is a company called XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX w/phone number XXXX. I have since mailed a letter to XXXX XXXX to ask them to provide correct information. I want to know how they are allowed to collect on this alleged debt, who owns this debt, and if to understand what legal precedence thy have to contact me. If in fact they can prove they own the debt. I 've heard of companies collecting on debts they do n't owe and I 'm trying to do the right thing and get all of this misinformation cleared up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a medical collection multiple times due to inaccuracies. I just now received mail from the debt collection agency that proves they obtained my protected health information. This company has my specific lab tests I had done, as well as my symptoms and the treatments I received. I never consented for the hospital to share any of that info and the debt collector AAMS shares this with other entities. I have tried another dispute with added documentation that the dates of this debt are wrong and that the only identifying thing from the collection agency about me, were my symptoms and treatments and tests. Cant reach a real person at XXXX. I want this fraudulent and invasive account removed from my credit report immediately. I have already filed a HIPAA complaint against the medical provider involved.
Product: Vehicle loan or lease

I currently have a car loan with Santander Consumer. On XX/XX/2024 I called in and spoke to a rep from Santander before making my payment. My payment is due every XXXX of each month. I asked the rep since I am withing the 10 days to not be late, if I make my payment today XX/XX/2024 will it applied to interest and principal or just interest, the rep said It will be applied to interest AND PRINCIPAL. My XXXX payment was applied to INTEREST only. To day XX/XX/2024 I spoke to XXXX and she apologized for being LIED to but they will not apply my payment as principal and interest. It is not the first time Santander makes false statements. I need someone to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX  Account was reported as closed on XX/XX/20 with initial remarks as " Closed at consumer 's request '' that have since been removed. This resulted in my utilization decreasing and FICO Scores dropping several points. I never requested my account to be closed and my attached current statement shows that. I contacted the company XX/XX/20 and a representative confirmed account was still open and status would automatically update. As of yesterday XX/XX/20 a full month later, account is still showing on my report as closed even though a new statement was generated on XX/XX/20. I called XXXX XXXX XXXX  a second time on yesterday XX/XX/20 and was informed by a representative that I would need to contact the Credit Bureaus myself to update since it was no error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

AMERICAN EXPRESS XXXX Balance {$0.00}, AMERICAN EXPRESS XXXX Balance {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX transunion and XXXX won't remove my fraud alert or freeze