23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX the account of @ XXXX contacted me wanting to pay me for companionship. He said I was so beautiful and didnt want to do anything inappropriate just get to know me and not waste my time by paying me for that time. So I said okay. After a week of talking he sent me a check of XXXX. He asked me what bank I used and I told him and then told me he wanted to include some money for me to send to a charity for foster children. I asked why he couldnt and he said because he has given them too much and wanted it to come from me. After the check cleared on my Mobile deposit I sent the contact he said was in charge of the financials for the orphanage in the amounts he asked for. These were directed to the XXXX XXXX phone number I provided. 

Then he sent another check for XXXX and wanted me to do the same thing. After one XXXX he started asking me for inappropriate pics and convo that I got uncomfortable and started to realize it was a scam. Shortly after this the checks bounced out of my account and I was put into the negative. He hasnt contacted me since. 

I sent him a total of {$2500.00} XXXX payments before the funds he sent by check were taken out of my account. I thought the money was approved as it said it was after mobile deposit. Once it was finally reviewed it was taken out of my account because the check was tampered with. At this point I had used some of the money to pay off bills and I didnt know I was putting myself in the negative. 

I cant even get a loan now with a negative account balance and Ive had a couple of direct deposit work check go into this account reducing my negative but leaving me with nothing to live off of. All of my bills go through this account as well. 

After contacting my bank right away I filed a claim for the XXXX payments and for the scam. My account was on hold but not closed and they said I couldnt do anything for 10 days while it was being reviewed. 

I got letters in the mail at various days XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX all dating the same day XX/XX/XXXX in the mail itself. The conclusions they had were that I can not be reimbursed for the funds I sent or the check I thought was approved.
Product: Debt collection

I have tried to talk to Debt collectors and get this resolved for the past 3 years with no luck. They are not willing to discuss or negotiate with me about the debt in question. I do not feel that I owe anything because the company who placed the debt broke our contract first by their actions in maintaining a safe environment for the tenants. I have also disputed this account with all the credit agencies again with no luck. This collection is ruining my chances or renting a house as well as purchase a home. I need help
Product: Credit reporting or other personal consumer reports

Pursuant to FCRA 611 ( a ) ( 15 U.S.C. 1681i ), I am requesting the method of verification used to confirm the accuracy of this information. Please provide : 1. The name, address, and contact information of the entity that supplied the information.

2. A detailed description of the investigation process conducted by your bureau.

If you are unable to verify the accuracy of this account in accordance with the FCRA, I request that it be permanently removed from my credit report.

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), if you can not verify the validity of this information, you are required to block the reporting of this information within 4 business days from the receipt of this notice. The account ( s ) listed above are inaccurate, unverifiable, or incomplete, and must therefore be blocked or removed from my credit report without delay.
Product: Credit reporting or other personal consumer reports

In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. With account being closed and the furnisher is not responding to my dispute I request that the account is deleted due to all of the inaccurate information in the following fields : Balance, Past Due, Last Reported Date, Date Last Active, and Date of Last Payment. 

Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time. The following reporting periods need to be corrected as paid on time and the late payment indicators removed : XX/XX/year>, XX/XX/year>, XX/XX/year>. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, spec

ifically 15 USC 1681s-2 ( a ) ( 2 ) to name just ONE of the violations. This dispute will serve as notice of the inaccurate information that is on my credit repor
ts for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX  : Account # XXXX I have attached a copy of my ID and billing statement for verification purposes.
Product: Debt collection

Macys has written or charged off the debt that I owed, yet there are still reporting it on my credit report as charge off/ written off. I never received a copy of a 1099C so that I was allowed to report this to the IRS as income. Macys took a tax break for writing this amount off. I need to be sent a 1099C form so I can report this to the IRS or they need to remove this erroneous information from my credit report or they will be sued for statutory damages because they are reporting it on my credit report as written off. Per the FRCA this is fraud and it should be removed expeditiously
Product: Mortgage

Today, XX/XX/2020, Ally Bank was advertising interest rates of 2.5 % for a fixed 15 year refinance. This was obtained using their web site ( online bank only ) and their refinance calculator. All the details of the refinance ( amount, location, etc ) were entered into the refinance calculator. Because of the low interest rate, we started the application process ( also online ) the same day. The interest rate suddenly changed to 3.375 %. We e-mailed XXXX XXXX ( XXXX ) and he just said the rates are changing every day. But evidently they are changing every hour, because when I went back to their online rate calculator, I was given a new rate of 3.125 % for the same loan. Again, their online calculator is lower than the actual rate they will loan money at. This is just deceptive.
Product: Payday loan, title loan, personal loan, or advance loan

My payment schedule with Mosaic began on XX/XX/2023, with payments of {$640.00} withdrawn every month on the XXXX. From the first payment, Mosaic has claimed the payments were late even though they were on time and the company confirmed that the payments were not late. Despite that, I have been harassed by them every month between 8-10 days after the payment processed with claims of late payments. The latest incident involved a letter I received dated 2 days AFTER I called and they confirmed the payment was not late. It's now been three months and their excuse is " we escalated it ''. It's now been " escalated '' 8 times and still they claim every payment is late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the Experian page where my credit report is, I looked at the data for my XXXX XXXX. 
It show that I made payments for XXXX XXXX XXXX and XXXX. 
It did not show my XXXX payment. 
I opened a dispute and said the XXXX payment check mark showing I payed in XXXX was not showing. 
Then dispute number is... XXXX They came back and said they checked with XXXX and said the following in the Dispute results. 

What happened? 

The dispute for the account with XXXX XXXX  XXXX/XXXX  that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX/XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX I have taken a screen shot of my XXXX XXXX XXXX statement which I will include. 
Also and this is IMPORTANT. 
On the Experian site they show that my XXXX XXXX Account was opened on XX/XX/XXXX! 
Now I don't know what XXXX XXXX person they gave to handle the dispute but they need to get their act together. If they had even looked at their Experian site and clicked on The cards Account info,,, ,this is what is says ... this is a copy paste from that document. 

over over labels for more details Account number XXXX Account status Open Date opened XX/XX/2021 Account type Credit Card Date opened... XX/XX/XXXX! I also have a screen shot of my XXXX statement and it shows I paid {$4.00} in the month of XXXX. I will include that in this complaint. 

My guess is they never contacted XXXX because if they had, XXXX would have said I did make a payment in XXXX and that the card was in fact opened in XXXX.
Product: Credit reporting or other personal consumer reports

the company Factor Trust is reporting a tradeline on my credit report with them that indicates there is a past due balance with a company and that the status of the account is " Past Due. '' This has caused me to become ineligible for credit products at favorable interest rates. 

I contacted the creditor - XXXX XXXX XXXX XXXXXXXX- on XX/XX/XXXX and spoke with XXXX who advised me that the loan that was initiated on XX/XX/XXXX was indeed paid off on XX/XX/XXXX and that there never was a past due balance and the status of that account should be " paid as agreed. '' she further stated that XXXX XXXX XXXX XXXXXXXX is not reporting that account as past due and to reach out to the CRA who is reporting it that way to dispute it. 

So I filed a dispute with the CRA - factor trust- on XX/XX/XXXX and advised them that this account was being reported incorrectly and that the creditor is not reporting it to them in this way. 

On XX/XX/XXXX I received a response from the CRA - Factor trust indicating " The disputed loan with XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, was verified to be accurate by the lender. If you would like to further dispute this loan, please contact the lender at XXXX. '' This response from the lender is inaccurate because the creditor has stated that that is inaccurate. Additionally, advanceamerica is not the creditor for this XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX are XXXX different companies. 
Can someone get this corrected immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX is reporting inaccurate student loans on my credit profile. I have addressed this issue with them on numerous of occasions and they are refusing to resolve this isssue. This matter is causing my credit to plummet and I am being denying for everything Im applying because of XXXX and Experian inaccurate reporting. Below I have attached proof that XXXX and Experian are reporting inaccuracies across the board on serval student loan accounts. XXXX, Experian, and XXXX is also reporting. XXXX and Experian are reporting different account status, date opened, last reported, comments, and date last active on all the student loan accounts in question. There is also a duplicate account for each student loan account, the duplicate accounts are reporting a different high limit under the same account number. The 2 credit bureaus are falsely claiming the accounts meets FCRA guidelines but they clearly DO NOT. FCRA website states that all information on accounts must be the same across the board and must meet FCRA guidelines. XXXX has atleast deleted these inaccuracies and Experian and XXXX must follow suit. I am asking for reputations of {$1000.00} dollars for this violation of my consumer rights. I have attached proof of all accounts and every inaccuracy that the bureaus are reporting.
Product: Credit card

I updated my payment information at the end of XX/XX/year> with Target XXXX XXXX. I revoked access to my XXXX account and gave them my XXXX XXXX account information. I have attempted to stop payments through the bank as well as multiple calls into Target in addition to making the changes online. 

They unlawfully charged my XXXX account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And then added fees and interest for the returned payments. I set up payments through XXXX XXXX and sometimes it would go through, other times it would not. 

Their excuse was I needed to update my payment information, which I had done on multiple occasions. 

All I asked for was for them to refund the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish to make a complaint about XXXX XXXX XXXX XXXX. 

I have made many attempts to correct this account for violating the Fair Credit Reporting Act. I believe this is the third or more attempt concerning accurate reporting. This account has been closed since XX/XX/2022. Yet they have reported other remarks when the remarks should reflect a closed status. The remarks should reflect closed. 

Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( iii ) exceptions to the notice requirement under this subsection for classes of persons or transactions regarding which the agencies determine that notice would not significantly benefit consumers ; ( iv ) a model notice that may be used to comply with this subsection; and ( v ) the timing of the notice required under paragraph ( 1 ), including the circumstances under which the notice must be provided after the terms offered to the consumer were set based on information from a consumer report.

( 7 ) Compliance. A person shall not be liable for failure to perform the duties required by this section if, at the time of the failure, the person maintained reasonable policies and procedures to comply with this section.

( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX Whom It XXXX Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit ratingFurthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I requested information to validate the alleged debt that has been report on my credit profile. 
It is now XXXX XXXX XXXX  and I have not received this information as requested.
Product: Vehicle loan or lease

I began financing a vehicle with Kia Motor Finance in XX/XX/2020 ; first payment due in XXXX. Since then I have paid on time and overpaid, every month. My payment is {$720.00} and I pay either {$800.00} or {$1000.00} every month so I can pay the loan off quicker. These payments appear on my Kia payment history so I know theyve been received by the company. 

I received a Notice of Default in the mail threatening to " exercise their rights under the law '' which I take to mean collections. I have an impeccable and unblemished credit history so this is infinitely frustrating. I called Kia Customer Service about two weeks ago to request that my extra payment money be applied to the principle balance. I assume this representative inadvertently messed something up with my account because that triggered this Notice of Default. Kia 's financing website is outdated, useless, and barely functional which is why I couldn't just opt to have my extra payment applied to principle to begin with. 

I attempted to call the number on the notice last night and the rep told me she wasn't equipped to handle my inquiry. She told me to call back between XXXX and XXXX. I called back and spoke to another representative who ( apparently ) was also not equipped because he transferred me and was on hold for an hour and 20 minutes before the call dropped. I spoke to two more representatives that same day and the final one seemed like she would be able to help me, but my account is still showing as overdue. A manager was supposed to call me back and never did. I have also filed a complaint with the XXXX XXXX XXXX that they have ignored.

Not only has Kia Motor Finance managed to XXXX up my account and is jeopardizing my credit history, they are too inept to correct it or to allow me to try and correct it.
Product: Credit card or prepaid card

I have had the credit card for several years and have always paid full balance didnt carry a balance. Barclay Bank closed the account recently. I tried to redeem the rewards as I have accumulated over the last few years as statement credit, couldnt do it online, so I called the customer service, was told it will be redeemed and applied as statement credit within 7-10 business days. But instead I received a letter in the mail that stated can not assist me with the rewards redemption.
Product: Credit reporting

I have filed several complaints with XXXX, XXXX & Experian in regards to information from a creditor in regards to some medical bills that I am not aware of from XXXX XXXX XXXX in XXXX, MI. I have filed several complaints with the creditor and credit bureaus with no success in having them removed. I have been doing the run around game with the credit bureaus since XXXX of 2016. and they refuse to fix the problem.
Product: Credit card or prepaid card

Set up on fixed automatic payment option to XXXX  payments were paid each month. This was not the case recently, as the company did not charge the minimum payment, and began to charge late fees, and derogatory credit reporting. I can not get them to see the fact that this is not acceptable and the fees charged have ruined my credit, and are the only things that bring my minimum payment back below the fixed payment I would pay. I began above the minimum to pay my card faster, not to XXXX XXXX XXXX XXXX XXXX. They say that they are not in the wrong, but how can you have an autopayment where a customer pays the same each month and charge them late fees and ruin their credit?
Product: Debt collection

Wakefield and Associates has stated that they spoke with me on XX/XX/2020 about this alleged debt. This is not true. They sent a " patient statement '' that has a home address that is not mine. I've never lived at a XXXX XXXX XXXX in XXXX TN. They purchased this debt for pennies on the dollar and trying to make a profit by any means necessary. Their deceitful collection tactics are shameful
Product: Bank account or service

Hello, my name is XXXX XXXX XXXX : In 1978 either in the months of XXXX or XXXX I had my brother buy me a saving bond for 500.00 dollars then give it to me as a gift.the banks name is XXXX in XXXX.XXXX was the c.e.o at the bank but when i melt him his was just a accountant. checks and bonds was sent to a old address XXXX XXXX XXXX XXXX.someone stole my mail but some how sent the check to XXXX XXXX XXXX XXXX XXXX.the person the got the check give it to XXXX XXXX XXXX XXXX to give to me but he took it to chase bank XXXX XXXX XXXX XXXX to cash it. the bank call me. to see if it was alright to let him cash it over,XXXXtimes I told the lady no.but she acted like she couldnt understand no.or call the police.my check and saving bond are now gone.can you help me.I live at XXXX.cell phone XXXX
Product: Debt collection

Troy Capital , LLC a debt collector failed law sue in XXXX XXXX to seek dames in the amount of XXXX. However, XXXX XXXX XXXX , XXXX sold the Vehicle for {$6400.00}. 

I want Troy Capital , LLC. to provide me with written documents to indicate how did they determine a balance was own in the amount of {$3700.00} when XXXX XXXX XXXX , XXXX sold the Vehicle for {$6400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX of XXXX, I attempted to dispute the reporting of several closed accounts that have aged over seven years since their dates of first delinquency. I made at least a half dozen attempts online to submit the dispute requests. Every single time, I am getting an immediate error on their site when attempting to use their online system. The web page is https : //www.equifax.com/XXXX. 

When I attempted to contact Equifax 's customer support line for credit disputes, I was greeted by a support representative who upon hearing that I would like to remove these four closed accounts that have aged in excess of 7 years past their date of first delinquency, that their policy is to remove them after 10 years. This is NOT in-line with the credit reporting regulations that state they should be removed after 7 years. 

Equifax is systematically making it difficult for consumers to lawfully remove these adverse accounts from their credit files. I am not having any issues removing these records from XXXX  or XXXX. This has to stop. This is a company entrusted with protecting consumers ' credit information and XXXX is making up its own policies. I am furious. Please assist me in lawfully removing these records.
Product: Credit reporting or other personal consumer reports

In XXXX of 2021 I had cancelled my car insurance and I was facing hardships at the time so it went to a collections agency on XX/XX/year>. I had settled with the creditor on an amount lesser than I owed. I have called the car insurance company and the debt collector and they both claim that the account is closed. However that is not what my credit report shows and it is negatively impacting my credit score. I have called the debt collector and explained that it shows a balance of {$0.00} dollars, but the account is showing open on my credit report. I have asked as a one time forgiveness if they would mark it as paid in full as I had asked that when I originally settled the first time and it was not done. The creditor that I spoke to was very rude and would not do anything for me. This has been on my report inaccurately reflecting my score for quite some time now and now I am in a time crunch where I need my credit score as high as possible. Now I am struggling and I desperately need my information to be corrected/updated.