23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Product: Checking or savings account

I HAD XXXX CHECKING ACCOUNTS AND XXXX SAVINGS ACCOUNT. ALL ACCOUNTS ARE BEING REPORTED TO FDIC BECAUSE OF BALANCES OWED BUT THE BALANCES ARE FROM FEES FULTON BANK DID NOT PAY ANYTHING ON MY BEHALF. THEY DID NOT PAY ANYTHING FROM THESE ACCOUNTS IT IS ALL FEES. WHEN I REQUESTED THE ACCOUNTS BE CLOSED, THEY DID NOT CLOSE THEM UNTIL THEY SAW FIT. BEFORE THE ACCOUNTS WERE CLOSED, THEY BLOCKED MY ONLINE ACCESS AND I COULD NOT EVEN MONITOR ALL THE FEES THEY WERE ACCESSING. THE SAVINGS ACCOUNT ALONE IS NEGATIVE OVER {$200.00} FROM FEES FOR A LOW BALANCE, WHICH I WAS NOT EVEN AWARE WAS OCCURRING BECAUSE MY ACCESS WAS LOCKED. FULTON BANK PAID NOTHING ON MY BEHALF I SHOULD NOT BE REPORTED NAGATIVELY TO THE FDIC OVER FEES. FULTON BANK IS ALSO KNOWN FOR CHANGING DATES SO TRANSACTIONS RESULT IN FEES. THIS HAS NOT JUST HAPPENED TO BE BUT ALSO TO MY FATHER WHO HAS MULTIPLE FULTON ACCOUNTS.
Product: Debt collection

Zion Debt Holdings has been reporting me as owing a debt of approximately {$570.00} for XXXX home security. The agency claims that I owe them the money because I was a joint account holder with my mother, XXXX XXXX. This is not true. 

I informed Zion during a phone call in XXXX that my mother passed away in XXXX. They are apparently therefore trying to collect from me. This collection apparently references hime security account my mother entered into with XXXX around XXXX. She canceled the account in approximately XXXX because she sold the house ( XXXX XXXX XXXX, XXXX ). XXXX is apparently trying to collect some sort of fee for the cancellation, although they did not inform my mother at the time of cancellation that a fee would be issued. I was present when the alarm system was installed and signed off on behalf of my mother, because she lived out of state at the time. The technician who installed the system as well as the XXXX representative over the phone informed me that I was not signing as a co-account owner and was not responsible for payment. I never received bills from XXXX for that account which covered XXXX XXXX XXXX, XXXX, MD XXXX. 

XXXX did not start sending me notices until XXXX after it appeared on my credit report. I want the information removed from my credit report. I did file a dispute, however, it appears that a new credit debt collection agency has the account and has put it on my credit report again. I never agreed to be a co-account holder for my mother, and if the paperwork indicates that I was, then it was fraudulently obtained.
Product: Credit card or prepaid card

MY Capital One credit card was closed out and paid in full. 
then shortly after the company added a credit balance refund two amounts of {$2400.00} and {$670.00}. for a total of {$3100.00}. so i called the company and asked what this was for and they responded it was for over payments. as i have documentation stating this of all my transactions. Now the company is sending me a bill of the amount of {$3100.00} with interest, i have called and explained to several reps. that this has been a mistake and they could not legally charge me for interest on money that i don't even owe them or the amount they are asking for, witch was an over payment refund in the first place. i have also talked with their managers and fraud department few times and they all said this would be resolved and sorry for the mistake. but yet i keep getting bills for the amount with interest owed, on something that i don't even owe. i have even sent them two letters with the bills returned. please help me with this thanks.
Product: Debt collection

I was sent a certified letter by mail but have not responded to sign for it but new it was for court so I looked up and I found they are taking me to court over debt owed but I have never heard of portfolio Recovery Associates and have never owed them nothing I have never got a letter or a call that I do so to me I dont owe them. Can I get help with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute regarding the inaccuracy of this account and they responded but not directly to my dispute. i filed a Chapter XXXX bankruptcy in 2018 a Relief of Stay and a motion of Relief was ordered by the Bankruptcy Court and XXXX  XXXX was ordered to pick up the vehicle and instructed to sell the vehicle or whatever they do with it and I be held responsible for the left over balance and that did not happen. XXXX XXXX is holding me responsible for the full balance of this vehicle when they allowed a 3rd party to repossess the vehicle then XXXX XXXX did not pick the vehicle up from the yard even after someone called them and told them the car was there. XXXX has phone records showing where they advised the Yard owner to keep the vehicle and he did, now they are charging me. The vehicle was not in my possession nor my responsibility after the courts ruling. 

SEE ATTACHED RELIEF OF STAY AND MOTION TO RELIEF
Product: Student loan

First- all of my student loan and financial aid data has disappeared from XXXX XXXX XXXX I applied for forbearance from XX/XX/XXXX to XX/XX/XXXX. Received confirmation it was received by Mohela XX/XX/XXXX. There has been no communication regarding my application for forbearance. I can't get a hold of a person at Mohela, and I can't afford to make my student loan payments that are now about to go into default status.
Product: Credit reporting or other personal consumer reports

I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant XXXX and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action.

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.
Product: Credit card or prepaid card

On XX/XX/2022, I made a payment for the complete balance reflected on my billing statement of {$140.00} to my XXXX XXXX Credit Card. This payment was made when I got off work after XXXX. On XX/XX/2022, I called the company to close my account. During the process of closing the account, the automated system stated that I had a balance of approximately {$32.00}. I elected to speak with an agent to explain the amount being applied to my card. The agent I spoke with informed me that it was a late fee due to me paying after XXXX. I explained to the agent that there's nowhere on the statement where it list a deadline time, only a date in which the late fee would be applied if payment not made by that date. I read the paragraph to the agent verbatim. The agent then explains to me that there's a paragraph on the 2nd page ( which is the back of the statement ) listing the cutoff times ( which is in smaller print ). I informed the agent that at no time on the day of making the payment was I inclined to look at the back of the page because I was going off the information provided on the initial front page, which list the date payment is due, the amount of the balance, the breakdown of the charges and the late fee warning that states verbatim " If we do not receive your minimum payment by XX/XX/2022 you may have to pay up to a {$41.00} late fee. ". The only time that is mentioned on the initial front page is for mail in payments. I also informed the agent that even the 2nd ( back page ) with the cutoff times, does not have a late payment fee warning in it's paragraph. I was then transferred to a supervisor who only proceeded in debating with me on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX  XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation of a resolved issue. I have recently resolved an issue with  Velocity I nvestments, they closed a case against me that should not have been brought in the first place. They issued a judgment against me. As they have closed the case and have sent a dispute letter acknowledging the closure of this case, I would like them to issue a Praecipe of Satisfaction to remove this from my credit report. Because of them I have had this on my credit report for more than 10 years. I have been in contact with a company representative who stated that he would in fact help get this document produced by the attorney and have it submitted to the  Prothonotary, how ever it has been almost a month and this has not happened. Thus, this continues to be reported in error against me.
Product: Credit card or prepaid card

i received a citibank double cash rewards card in the mail. I thought it was a new bank card for citibank where i currently have a checking account. I went to the bank and deposited {$400.00} and the prompts on the atm where actually as they always are when using my other card, ie > asked me where i wanted to deposit, ,checking or savings, ,i chose checking and assumed it would be deposited in my checking acct.. the next day i deposited {$1000.00} dollars the same way..this time i went home to check it on my computer and saw only {$79.00} in my account which is what i started with ... I called the number on the back of the card saturday   XXXX   XXXX   and was told this is a credit card and the money went to my credit card. I explained that this was an error and i needed it refunded to my checking account to cover my scheduled bills as well as rent. I gave my checking acct routing and account number and was told it would be processed withi n 3-5 busin ess days. I called again on wednesday   XXXX   XXXX   and was assured that it was being processed by offshore location and would be in my acct later that day or early the next day..I called the next day Thursday   XXXX   XXXX   to be told that they were going to hold the full amount charged on the card in the amount of {$390.00} and would only refund me {$1000.00}, then they said they did not have my checking acct or routing number even though it was given to them when i initially  called..i had to le ave where i was to run home and give them the info again. I called the following day, friday   XXXX   to ask them what right it was of theirs to take full payment without authorization when their are extending me credit which means i am able to pay min amount due. Please note this is a new card and did not even have statement generated for me yet, so there was no negative or non payment history. After stating my case over and over they agreed to refund me the full {$1400.00} and send a statement so that i could pay the min or above as i wish ... .once again they needed my checking acct and routing number ( for the third time ) and this would now take anothe r 3-5 busi ness days ... .i called again on tuesday   XXXX   XXXX   to be told that they sent it to my checking account number but could take another  3-5 busin ess days to reflect ... They have basically run me around while putting all my other auto debit credit cards in jeopardy as well as my rent payments. I was forced to borrow money to cover what should have been in my bank to begin with, violated my rights to authorize my payments and continue to string me out with nonsense and lies ... I would really appreciate and hope that you will investigate their shady practices and put an end to it while imposing a hefty fine on them for robbing people without a  gun, but it is  still robbery none the less ... ..Thank You!  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a XXXX XXXX, which has resulted in the fraudulent use of my personal information. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), I am requesting that the following fraudulent accounts be immediately blocked and removed from my credit report : Accounts to Be Blocked and Deleted 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
Product: Credit reporting 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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Student loan

I have attempted to make payment every month since they restarted in XXXX. Aidvantage says I didnt make the payment. They never take it out of my account, then say its late
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2021 I disputed two entries on my Equifax credit report due to inaccurate XXXX dates. Equifax was reporting XX/XX/2021 and XXXX was reporting XX/XX/2021 due to these inaccuracies I requested the entries be removed. To date the entries show on my credit report and Equifax has not responded to my dispute. I also sent a copy of my debt validation letter to both Equifax and XXXX and have not received a response or removal of the entries. XXXX XXXX, XXXX as listed on the Equifax credit report
Product: Credit card or prepaid card

In XX/XX/XXXX, I called Capital One to pay off my full balance. At this time I had an overdue fee and asked the rep to waive it if I paid the full balance. We discussed also making sure to calculate the full balance including the interest and I made a payment that should have left my balance at XXXX. 

I have had this account since XXXX and have been a great customer. I have had times of hardship but always made sure to get my account paid off and have paid my membership fees and interest, and several late fees over the years. 

When I have been late in the past, Capital One has issued emails, texts, and phone calls very quickly. 

From XXXX until XXXX, I received NO LETTERS, EMAILS, CALLS, or TEXTS relating to me that interest of {$3.00} hit my account and continued to accumulate interest over the next several months until my account was closed for UNDER {$6.00} for non-payment. 

When I tried to use my card in XXXX, it didn't work. I tried again in XXXX and then logged into the app that showed my account was CLOSED with a XXXX balance. I was so confused. I called Capital One and they were confused. I had to call back to speak to a manager the next day. They were surprised about what happened and helped file an appeal for the decision. A few days later I got a call letting me know the appeal was denied but they could not share the reason and a letter would come in 7-10 days. 

It was at that time I felt it was time to file a complaint and get this hopefully, resolved.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with XXXX XXXX. XXXX and XXXX XXXX. XXXX, I did not authorize the reporting or release XXXX my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 

Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which consttutes a case of identty theft. Pursuant to XXXX XXXX. XXXX, I do not owe any debt to these enttes, and i demand the immediate deletion of the bems and inquiries in question to correct my credit report. 

I ntomotiw aod ccafirm tha remosal.of tha disouted XXXX request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the TransUnion credit reporting agency XXXX XXXX of the accounts, collections, and hard inquiries identified in this XXXX complaint from my consumer credit file within XXXX business days of receiving said complaint.
Product: Credit reporting or other personal consumer reports

outstanding accounts over XXXX years accounts that has been removed and put back on the report without my knowledge acounts i have no knowledge of credit cards as well address that have no knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request with the CFPB. 

On XXXX I sent a letter to XXXX, Equifax, and XXXX regarding inaccurate and negative information on my credit report. 

It has currently been 53 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. 

It has been over 53 days so they be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. 

My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Did not consent to authorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to authorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
6 Validate Account XXXX XXXX XXXX  : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I have tried numerous times to work with this company. I set up a payment plan with them Awhile back which they did not remove the late marks on my accounts. 
Also they threatened to send me to collections numerous times after I asked that I would pay if they stopped reporting me late. 
At one point they even threatened to let my employer know. 
They also have raised my balance from {$500.00} To {$1200.00}. 
I want this company to drop everything from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

" in accordance win me Fair cream Reporung acr. The List or accouns below nas violared my rederany protecred consumer tignts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : 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 followinc items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven vecEs 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

Have asked numerous to pick up the vehicle, refused. Numerous phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had bought a brand new Toyota XXXX not too much later I think like three or four months later somebody hit me and my car was totaled out I tried to use the gap insurance but they said it didnt cover something Im not even sure what but I tried to get Toyota to take care of it and the problem was like 1200 or {$1800.00} difference that I still had to pay but I tried to get the money back from all the services or product state sold me that I wasnt even aware of the money back from all the services I didnt use to cover the rest of the loan payment I guess and Toyota never responded to me they just kept putting me off putting me off putting me off its XXXX Toyota XXXX XXXX XXXX XXXX XXXX in XXXX Wisconsin I tried my hardest to get them to rectify the situation because it was damaging my credit and to this day I call them literally every 2 to 3 months to find out if they are going to fix it and they still have not gotten back to me please help I need my credit fixed
Product: Credit card

Paypal Credit/Synchrony bank remittance department sent me a letter with blue paper stating that they could not accept my tender of payment and to make corrections. The letter instructed me to send the blue paper back with the corrections and tender of payment, but the tender has not been applied to my account. 

The tender was notarized and sent via USPS overnight, and it was delivered on XX/XX/XXXX. Tracking # XXXX It is now XX/XX/21, why isn't there an update on my account? 
Account : XXXX