23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I contacted XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in regards to my available credit was updated due to I made a payment of {$330.00} on XX/XX/XXXX, which is the due and was made before XXXX so the payment would post the next business day. I checked my credit availability on XX/XX/XXXX online and only the balance was updated and not my credit. I contacted customer service and the representative told me that my account was closed because my payment was past due which was incorrect and was not due until XX/XX/XXXX. I informed the representative that I made a payment of {$260.00} between XX/XX/XXXX-XX/XX/XXXX by check and the payment has normally posted the next business day when I made payment by check and becore XXXX and this time it did not happen and was told it will take 10 or 14 business dsys to post. I gold the representative the payment has already cleared my bank and she advised if i can get a letter from my bank zhowimg the amount XXXX has cleared it can still take 5-10 business days to post to the account, which I still could not understand. So I asked the representative if she could just stop the check payment/reverse it so that I can make a payment with my check debit card. I did not make a payment with my debit card the first time because you can't make a payment until after 5 business days ypu made your last payment eith that debit card. So the representative told me to contact my bank to have them stop payment on the check because I wanted my payment to post right away. I wasnt late or past due because my payments are due the XX/XX/XXXX of the month. I was never advised of my acvount status via email which they have contacted me before when my credit card was compromised by XXXX. Then I requested to speak with a supervisor by the name of XXXX and she told me my acvount was closed due to the payment eas reported by my bank as unauthorized. I informed the supervisor that I did not and reauested that she listened to the revorded call I had with the represenative when she advised me to contsct my bank to stop payment on the check. The supervisor then stated that I would need to get a letter from my bank statimg the request was only a stop payment but that does not guarantee my credit account would get opened back up it wpuld be up to the underwriter. I stated to the supervisor that is not fair and how could you close my credit card acvount without contacting me by email or phone call and I have not received a letter to make sure this was an error and would close my account after I have bern with them over 4 years. The supervisor then begin to say they have the right to vlose my account, and did not attempt to escalate but would rather lose a consumer with false imformation and not sympathizing but only making the company look justified in what was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called the following credit reporting agencies XXXX, XXXX and Transunion to request that unauthorized inquiries be removed from my credit report. 

The customer service representatives were not helpful. I want these inquiries deleted from my credit report. 

A. XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

For the past 4 months US BANK CREDIT CARD SERVICES has continually allowed unauthorized charge to my consumer credit card. Each month US Bank send our accounts into default by allowing these unauthorized charges.
Product: Vehicle loan or lease

Hello, I have had a loan now for 6 years with XXXX XXXX. Purchased a used XXXX XXXX on XX/XX/XXXX. My credit was not perfect at the time, with an end goal to raise it as quickly as possible as Im a single mom. Numerous times, including today I have tried to resolve an ongoing issue with my balance expected and what Ive paid to this day XX/XX/XXXX. Total cash purchase price was XXXX, with a lease trade in. 
Paying now for 6 years @ $ XXXX/month would bring it to XXXX paid. XXXX XXXX is telling me my pay off is still {$15000.00}. 

Im looking for answers.
Product: Debt collection

Aldous & Associates, P.L.L.C. keeping emailing and calling me.
Product: Credit reporting or other personal consumer reports

I have disputed with all XXXX major credit bureaus erroneous information they are reporting on a charge-off account from XXXX. I will upload a form 1099C that was provided to me by XXXX as this debt has been Cancelled and forgiven. However all XXXX credit bureaus still continue to report inaccurate balances, past due balances and payments for the past XXXX years. I would like this account DELETED from my report, by all XXXX credit reporting agencies, as it is completely inaccurate!
Product: Credit card or prepaid card

I have verbally canceled an reservation made over the phone. the merchant XXXX XXXX group which is also sponsors the XXXX Chase credit card says I didn't. They also didn't send any reminder that I have reservation I normally receive until the day after my reservation. 

Chase Credit Card not resolving my dispute after multiple attempt to explain the situation and try to resolve with the merchant, which is also sponsor of the card. It has been 4 month since initial dispute. Charges are still on my account. 


Case Number Date Opened Transaction Date Description Dispute Amount Action XXXX XX/XX/2018 XX/XX/2018 IC XXXX XXXX XXXX {$410.00} Cancel dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021, XX/XX/2021 and XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Product: Debt collection

I am victim of identity theft. The first initial identity theft happened back in XXXX of XXXX. I have filed multiple police reports first one will be XX/XX/XXXX, and XXXX of XXXX. I have not authorized any account to be open. I have took all necessary steps including placing a freeze on my credit file so that my credit file can not be open without my permission.
Product: Debt collection

I would say the date would have to be around XXXX 2019 when I went to the XXXX XXXX XXXX. I had insurance at the time but I didnt have my insurance card with me that day. They said they would be able to bill my insurance anyway so I just left it as is since they said they would bill my insurance. Months later I see on my credit report that Im in debt {$560.00} for the services I received that day. Ive disputed it through XXXX XXXX numerous times with no changes made to that account. Ive contacted the original lender XXXX XXXX XXXX XXXX XXXX and the bureau CMRE Financial Services, sending them photos of my insurance card so they can verify that Im not responsible for the amount owed, and that its my insurance who needs to pay the amount but nothing has changed. After Disputing through credit karma, they verified that the information I provided was accurate. I desperately need this removed from my credit report because I am not responsible for the mistake XXXX XXXX XXXX XXXX made by not correctly billing the insurance and billing me instead, and I am not responsible for this amount owed. Please help!
Product: Credit card or prepaid card

XX/XX/22 I got a notification at XXXX pm on XX/XX/22 about a hard inquiry to my XXXX report. I did not apply for a credit. I do not own a credit card. I quickly called XXXX to find out and they told me to go to XXXX to have the inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several student loans open with Dept. of Ed/Nelnet. I am currently in XXXX still. I've made several attempts to dispute inaccurate information on my credit report with the company itself and credit bureaus. They are reporting different information to each of the three bureaus, so nothing matches across the three bureaus. They are reporting late payments that don't even make sense. The account goes from good standing to all of a sudden 90 days past due within a 30 day period in XXXX of XXXX and as well as in XXXX of XXXX. They state they were trying to contact me to make payments but the phone number they had on file for me was a phone number from Texas and I have never lived in Texas or have been associated with anyone in Texas. I have proof of my credit reports they are reporting inaccurate information across all three bureaus and none of the information matches, however, every time I dispute the information it comes back verified. I'm unsure how the information could come back as verified when none of the information matches or equals up correctly.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I have made a transfer in XXXX  to a colleague named XXXX XXXX through his XXXX  Cash app account. The amount that was sent was {$9500.00}. The purpose for sending the funds was to help and pay for school and for rent. I then contacted him to make sure the funds made it. He then received an error from Cash App locking his account. He was given a message stating that his account was under review and that it would take 30 days for him to be able to access the account and the funds. He then told me that he didnt have 30 days and so we contacted cash app through a merged call I spoke to a representative who had to wait until the following Monday and we will receive an email stating what happened. We agreed and called back on Monday and received nothing. We then waited the 30 days and still receive nothing once the 30 days passed, we called them seven times and we were told that the account never existed. And we have no access to the funds nor did the funds ever exist. said one representative. I then decided to track the funds through a XXXX  tracker and saw that cash app did receive the XXXX and distributed it with multiple different Cash App accounts with numerous different amounts. We have been in a constant battle contacting almost 50 representatives that weve spoken to and maybe six have been able to provide information regarding the account but never to the funds. They keep saying the crypto department would reach out, but they never did. They have said theyve made claims and we would hear feedback, but we never do and its been a hassle and very inconvenient and frustrating since we dont know where the money is I was about to take this matter to a lawyer however, I read the article about Cash App committing scams and the lawsuit they are facing with the CFPB , which they indeed scam with us and decided to state my case since they wont communicate I have all the documentation and proof of funds in photos and will be uploading them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX as well as XXXX XXXX XXXX ( XXXX  ) Account # XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The company I work for deals with government contracts and back in XX/XX/2019. As you know, there was a shut down in the government and no one was getting paid. I notified XXXX Card services ( XXXX XXXX ) of the situation and that I was in the process of buying a home. I also asked them to please work with me so I would not have 30 days late on my credit report. I have been with them for almost 4 years and has never been 30 days late. I explain the situation to them, they still reported to the credit bureau as late. I as them to please can they remove the one and only time I was late they still said no. Since then the account is paid in full and I have asked for it to be removed from all three credit report. They have not complied. please help me, it is hendering me from optaining a mortage.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in XX/XX/year> 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 XXXXXXXX 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: Payday loan, title loan, or personal loan

I had an existing loan with cash 1 from a few years ago. I paid on time and never defaulted. Over the summer of 2021 they stated that I renewed my loan and re-borrowed over a XXXX dollars. I explained that over the summer my phone was stolen along with my bank cards, I had a wallet phone case. I cancelled all cards and advised cash1 that they withdrew the wrong monthly payment amount. They stated that I borrowed more so my loan went up. I asked them for documentation to prove that it was me who asked for the loan, they couldn't provide it. In the past they've asked for a car registration, id, bank statements, a current paystub, and 3 references which they call on the spot. I spoke to their legal team who were condescending and lied that they had me on tape walking in and getting the loan. They also lied that they had current documents to support that I asked for that refinanced loan. They haven't provided any documents to support their claims and refuse to negate the new balance. They also went on to verify a new employment of mine and stated they could garnish wages meanwhile they never contacted me about resolving this issue prior, which I know is illegal. They now won't take my calls which is odd since they harassed me all the time in the past years even though I was making timely payments. They're preditors and do shady business. High interest loans that exceed the norm. I want them to remove the fraudulent loan. I would be willing to pay the original loan from a few years back without the fraudulent loan added on although, due to their extremely high interest, I've already paid that loan over and over.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Please Send updated Credit report 1. XXXX XXXX XXXX XXXX {$4200.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX opened XX/XX/XXXX Never Late Please Update paid off
Product: Money transfer, virtual currency, or money service

I responded to an add for a puppy. The company used to deliver the puppy kept asking for all kinds of fees. I paid them then was told my puppy had died at the hands of an experienced vet technician. I was told that my money would be refunded and that the amount the puppy was worth would be refunded 5x the value. I paid for insurance 3x delivery charges 3x and customs charges 3x and never saw a sent every time I was supposed to get the money they kept asking for more.
Product: Credit reporting or other personal consumer reports

The company ( XXXX XXXX XXXX ) is violating my rights! They keep prolonging my disputes and not validating my debt. I have been trying for months and have yet to receive any debt validation. Also they have committed over 6 violations to my rights according to the fcra including 605b. The debt has taken more than 45 days to validate making it unverifiable and by law needs to be removed from my credit report. The debt is also not consistent on all 3 credit bureaus making it inaccurate also making it illegal on my credit. I am willing to take legal action if this is not removed within 24 hrs. I have given the company long enough to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. 

The company sent me a " Notice of Right to Cure '' that only stated the alleged amount they claim that I owe. 

I then sent a second letter via certified mail to the company requesting that the company cease harassment, and the reporting of unverified, invalidated inaccuracies. 

The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. Most recently, the company also reported to the credit bureaus that my account has been closed at my request, which is completely false. 

The company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.
Product: Checking or savings account

XX/XX/XXXX this same character from XX/XX/XXXX is still attempting to open an fraudulent account using my personal information as a victim of identity thief that has a fraud alert on all the 3 different credit bureaus and still after I just informed Alley Bank to get stronger all their online procedures letting anyone apply online with out a verifiable documentation of where ( IP address, with city, state and town where the application is coming from or who is really trying to open up a account in a fraudulent transaction. a very weak security system to weed out id thieves ' on line especially when the same person has done this same crime 4 times from XX/XX/XXXX to XX/XX/XXXX at the same institution Ally Bank. This tells me that a weak procedures the bank has is not determining fraud on line at their banking institution. MY NAME HAS A FRAUD ALERT EVERYTIME THE SOCIAL SECURITY INFORMATION AND PERSONAL INFORMATION IS USE THRU ALL 3 CREDIT BUREAUS IN THE UNITED STATES! THEY MUST CALL ME FIRST!
Product: Vehicle loan or lease

XXXX XXXXXXXX XXXX took the truck and sold it and reported they only sold it for less then it was worth in XXXX. We tried to get records of the sale and they refused to provide and never return calls. This truck was purchased XX/XX/XXXX and my ex husband made XX/XX/XXXX payment and XXXX, XXXX XXXX XX/XX/XXXX payment. The truck was taken in XX/XX/XXXX the XXXX  started after the late payment XX/XX/XXXX. It's been XXXX  years and XXXX  months this is on my credit and they are refusing to remove it till XXXX of XXXX. A repo only on your credit XXXX years and this been passed XXXX years and months.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the XXXX. 
This item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Vehicle loan or lease

I am writing to formally address a significant issue regarding my recent vehicle purchase from XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, TX XXXX. On XX/XX/2024, I entered into a purchase agreement with XXXX XXXX for a vehicle, during which several critical misrepresentations were made. 

Firstly, XXXX XXXX assured me that the necessary registration paperwork had been submitted for the vehicle 's registration. However, to date, I have not received the title for the vehicle, leading me to believe that the registration process was not completed as promised. 

Furthermore, the vehicle was sold to me with undisclosed issues, which have subsequently become apparent after the purchase. These undisclosed issues significantly impact the vehicle 's functionality and value, constituting a breach of trust and fair dealing. 

On XX/XX/2024, I made the decision to cancel the contract with XXXX XXXX due to these unresolved issues. While I appreciate the prompt return of my deposit by XXXX XXXX 's XXXX, XXXX XXXX, it is concerning that the full payment for the vehicle has not been returned to either the lien holder or myself. 

I am seeking a swift resolution to this matter and kindly request that XXXX XXXX rectify the situation by promptly returning the full payment for the vehicle as agreed upon in our contract. 

I look forward to your prompt attention and resolution of this issue.