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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX **Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX **Subject : XXXX of XXXX Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment information reported by XXXX and Experian on my XXXX  account ( Account # XXXX XXXX ). 

Below are the specific details of the account as reported by each bureau : - **XXXX** - Account Type : Installment - Account Status : Closed - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$5000.00} - Credit Limit : {$0.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Comments : Account closed by consumer - Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

- **Experian** - Account Type : Installment - Account Status : Paid - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$5000.00} - Credit Limit : {$0.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Comments : Credit line closed - consumer request - reported by subscriber. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - XXXX Payment History : Indicates late payments in XX/XX/XXXX and XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I request that the CFPB investigate this matter and instruct XXXX and Experian to remove the incorrect late payment information from my credit reports. As indicated by the " XXXX '' status and the fact that the account has been closed by consumer request with a XXXX balance, the reported late payments are erroneous. 

Please find attached copies of my credit reports from XXXX and Experian highlighting the discrepancies, along with any supporting documentation that may aid in resolving this issue. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Debt collection

XXXX is lying about amount owed XXXX  XXXX to the therapy once you sign every time you show up I only signed for one visit after finding out he is a quack and running up a bill on a minor accident I dismissed the attorney XXXX XXXX and walked I was not hurt that bad as well his doctor not mine only supposed to get paid if win cas e IT WAS DISMISSED
Product: Prepaid card

I received am American express gift card from work. On XX/XX/XXXX, I saw an unauthorized charge made the previous Friday ( this was Monday I called and filed the complaint ). I have made repeated calls to them and have received nothing but the runaround. I have a case number of XXXX. The latest story I am being told is that the case was closed ( with no notification ) and that it was re-opened on XX/XX/XXXX when I called once again. 
I am now being told that it will be another 45 days from that date for a decision. The fraudulent charge is {$300.00} and there is a small balance on the card outside of this amount. They are not making any attempt to inform me of the status or if they will even issue a new card for the balance outside of the fraudulent charge. 
I have confirmed my contact information every time and am getting nowhere. They were notified of the fraudulent charge while it was still pending yet they have done nothing.
Product: Credit reporting

XXXX XXXX XXXX account should be removed from my Trans Union credit report as it was sent to Collections in error. My insurance paid this bill back in 2013 and the original amount was {$280.00} not {$410.00} like XXXX XXXX is claiming
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred {$77.00} to my paypal direct deposit account from XX/XX/XXXX. The transfer says complete but I never received it. I've contacted cash app and they said they will handle it. A month later they claim the issue is resolved because paypal sent them {$77.00} to give to me but all paypal did was remove the money from my balance and send it to cash app. The missing deposit was never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to open a credit card to build my credit score. Unfortunately, I made a mistake in my personal information, which may be why my requests have been declined. 

On the XXXX of XXXX, I completed and submitted the XXXX form for XXXX XXXX  Change of Address Card. However, when I was opening a XXXX  checking account, they told me to use the old address as a proof address, since then I have been using my old address as per their instruction when I was applying for a credit card, and I think this confusion has to be a reason why my applications for a credit card were declined ( except XXXX credit card, it was approved ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX application for business credit card
Product: Debt collection

I called after receiving letter.. verified income and then verified current budget.. offered reasonable payment of XXXX $ per month for XXXX worth of collection due to being primary income and hardship. No negotiation. stated I can pay the current amount suggested but they would continue with action against me. 

i stated I was willing to set up settlement or monthly payment. They were not willing to do either. I stated I would like to avoid court costs and negotiate terms. They stated they would not be willing. 

Phone call XX/XX/2018 XXXX XXXX
Product: Debt collection

UPON INVESTIGATION, IT HAS COME TO MY ATTENTION SEVERAL LISTED BELOW DEBT COLLECTORS HAVE REPORTED NEGATIVE ACCOUNTS ON MY CREDIT REPORT ALL WHILE NOT BEING LICENSED IN THE STATE OF TEXAS NOR COVERED BY A BOND TO DO SO LISTED BELOW ARE THE CREDITORS CAUSING HARM TO MY CREDIT REPORT WITHOUT ACCURATE RIGHT TO DO SO : XXXX XXXX XXXX ( TWICE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OKLAHOMA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OKLAHOMA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX
Product: Student loan

Recently I had requested and received a refund for payments made during the payment pause. I also had an income driven repayment plan on the remaining loan and my account was in forbearance pending my borrowers defense application. The refunded loans were cast back into repayment mode and show a past due balance. Confirmed by Federal Student Aid customer service they should have been put into forbearance pending me borrowers defense application. I tried working it out with AidVantage. Instead they put it in Covid forbearance and because of the second representative doing so the third one said she was unable to correct the mistake and I still have a past due balance. Meanwhile the Federal Student Aid office said all of my loans through XXXX  were covered by the Borrowers Defense application not just the remaining loan my Borrowers Defense application was approved and all payments made will be returned to me. Im concerned with negative credit reporting which AidVantage said would happen bc they failed to put my account in Forbearance as they were supposed to.
Product: Credit card or prepaid card

Good morning, On XX/XX/XXXX we bought 4 airplane tickets for a trip to XXXX for XX/XX/XXXX but we were given 3 tickets + XXXX infant on lap ticket. 
XX/XX/XXXX - XX/XX/XXXX : we have tried to fix this issue with the travel website to no avail ( proof phone records and multiple emails ). 
XX/XX/XXXX : we wanted to dispute the charge and XXXX, one of the Chase employees told us to travel like this and then dispute. 
We had asked the travel website about canceling and we were told we had to submit certain paperwork. We DID NOT submit any cancellation paperwork XX/XX/XXXX : we faxed in our dispute and the documents proving we were not going to receive the 4th ticket. 
End of XX/XX/XXXX : we bought new tickets with a different company XX/XX/XXXX : travel website sent email they are willing to work with us and admit their error if we do not dispute the charge XX/XX/XXXX : credit card company requested us to fill out forms and reply to the documents sent by the travel website. One of the forms asked if we had cancelled the tickets. We said yes, since on XX/XX/XXXX we had replied to the travel website that we will not be using their tickets. We have never submitted the required paperwork for cancellation. We have also provided the email with the travel website admitting we were given 3 tickets + infant instead of 4. 

XX/XX/XXXX XXXX, Chase customer service representative told us we can't dispute the charge since the travel website was willing to work with us a few days prior to your departure date. He also said that 3/ 4 tickets were correct therefore the purchase was correct. How long should we have waited for the travel agency to fix this? They only acknowledged their error 6 days prior to our trip and even then we had no guarantees. XXXX said we had only contacted the travel website once even though we had provided 4 emails already to Chse. After the phone conversation we sent the credit company multiple other emails showing our prior attempts at reconciling this. 
XX/XX/XXXX the charge was reinstated with the explanation that we had cancelled the tickets even though the tickets were non-refundable. We have replied that we disputed the charge because we had paid for 4 tickets but had only gotten 3 and XXXX lap infant ticket. We had never filled out the cancellation paperwork and asked the credit company to provide a valid explanation as to why the charge was reinstated.
Product: Debt collection

I moved out of XXXX XXXX XXXX XXXX XX/XX/XXXX due to a XXXX XXXX issue I was going thru I had numerous police reports and the regional manager agreed to let me out of my lease without penalty. I myself paid for the apartment to be professionally cleaned before turning in the keys. Weeks and months went by before I ever heard anything back from the complex before one day getting a call from their collections agency threatening if you dont pay this money back you wont be able to rent a place anywhere when I asked what it was for? She stated that the manager said the unit wasnt ready for the next tenant to move in and they had to have it cleaned. I advised the woman to not call me again since I knew the unit was left in impeccable condition, the same lady still continued to call about 3 more times on different days. I tried talking about this with the XXXX XXXX manager XXXX and she was very rude and provided no support whatsoever.. AT THAT TIME XX/XX/XXXX nothing had been put on my credit .. now XX/XX/XXXX they just recently placed a debt amount on my credit .. which I felt they waited to long to do & is wrong because I have pictures and videos that the unit was left clean.
Product: Checking or savings account

I have been accessing my account normally for the past year except now for the past week ( XX/XX/2017 ), the key.com website does not open and consequently I can not log in to my account. The notice given is " Error has occurred, page can not be found or does not exist ". For the past week I have been in touch with Key Bank Customer Service with out result. I live in XXXX XXXX, XXXX, and checked in several other States all resulting in the same problem. The conclusion I have come to is that there is a problem with the key.com website that does not allow it to open in XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

-XXXX XXXXXXXX Account XXXX XXXX XXXX -DEPARTMENT OF EDUCATION/XXXX Account XXXX XXXX XXXX This account should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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. 
XXXX XXXX XXXX XXXX  account balance {$1600.00} on my Transunion Credit Report has violated my rights. 

15 USC 1681 section 602A. States I have a right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 a reasonable cost to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and XXXX. XXXX XXXX and I notice 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. 


I sent a letter asking them to reinvestigate these accounts listed below because thsese accounts was removed a two year ago now they rereported these same accounts below The credit bureaus have not sent me a tracking number or no information regarding these accounts XXXX XXXX XX/XX/XXXX {$270.00} Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XX/XX/XXXX {$340.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$360.00} Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX. XXXX, XXXX {$1800.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$5500.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$6500.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$11000.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate These 5 Derogatory marks Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate They have not responded to me, Can you look into this matter again thanks.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXXXXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXhis inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b.
Product: Credit reporting or other personal consumer reports

The addresses I have listed below do not belong to me and therefore are not mine. I request that your agency take appropriate action to investigate and remove the addresses listed below. Thank you for your help. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

I disputed the collection with the the collection agency my claim shows evidence of identity theft, and everything reported should be shown as accurate. My name is XXXX XXXX XXXX, wrong spelling and addresses have shown constant. I have personal information constantly stolen and used without permission, this has been disputed mutiple times. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. This delinquent account record is inaccurate. Also, I have still gotten constant calls.This has caused anguish and XXXX. I had to change my phone number due to the calls I request that the following account be promptly removed immediately off of my credit for LVNV Funding LLC for {$120.00} and {$490.00}.
Product: Mortgage

Have been in Process for more than 90 days. The Underwriting is piece by piece. The initial Loan Processor got fired after 60 days of Processing. She scheduled my closing 2 times and both times I did not close!! I am a XXXX employee with employment in the same field for more than 8 years. Have XXXX in liquid assets verified. Would not recommend this company to anyone. Unless you want a major headache and a waste of the money for the appraisal!!!
Product: Debt collection

I spoke with people from Knights adjustment in Utah about a debt owed to University XXXX Utah XXXX XXXX. 
They vioated FDCPA twice by1. Call at or around XXXX XXXX/XXXX/15 when i was speaking with XXXX XXXX XXXX XXXX when he didnt read a MM to me until after me asking to speak to a supervisor. I was then hung up on. 
2.Upon speaking to supervisor XXXX at or around XXXX when verally speaking to him.. XXXX read me a MM without confirming any of my personal information. 
XXXX. Avoiding talking to me upon several calls being ignored by them, and several calls being hung up on by them. 

Information was released without confirmation of whom they were speaking too, as well as the mini-miranda disclosure was not verbally stated upon initial oral contact after confirming my identity. 

Also the lack of respect, and communication from Knights adjustment to myself.
Product: Debt collection

they called with robo calls several times a day I did talk to a XXXX and told her ai would pay when I got paid but to stop the calls. The two days before i was to be paid they changed my pay date and tried endlessly to call and was on hold forever till my break of a half hour was over this happed more than one then the calls started endlessly again even after i told XXXX who called to stop calling me if they had an issue to write and invoked the FDCPA and still the calls came. i have 17 calls i have kept and the one telling XXXX to stop they said they wrote me and i never head back why because they had the wrong address for me and i never recevied any letter yet their bills come i wrote the pres and told hiim if he send me a late charge I wold report the calls after my letter to him specifically saying do not call and have that call recorded as well. They then sent me another letter to the wrong address which by some miracle i got pointed out thaqt the bills are correct the lease is correct yet they sent me a letter to the wrong address. i did not want to file this but felt i should never pay a late charge due to the harrrassment ai suffered. They send me a bill with a late charge and now I want my $ XXXX per violation. I will never pay the late fee since they are paid within th3 30 days and feel they should have stopped the calls when I told them to and they continue to send me bills with late fees well they can now just see what happens and I will never pay the late fee ever and they can eat it and learn from this that calling non stop is unacceptable when told to stop Had they treated me with the respect of stopping the calls then i would pay the fee but now somr they viiolated FDCPA they can just waive it for the term of the lease I will never buy a Honda iff this is how they treat their customers writing to wrong addresses and robo calls do n't wotk.
Product: Debt collection

they sending out the wrong information and this is an identity thef i didnt sign any contract with them no written consent what so ever so i am left with no choice to persue legal action against them