23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I went to trucking school, XXXX  XXXX. The tuition was {$6000.00}, This contract was made with XXXX  XXXX and myself. My payments were being taken out of my earnings weekly by XXXX  XXXX to cover my tuition. Fast forward 4 months later. Im no longer employed by XXXX  XXXX. Upon checking my credit report I noticed a company by the name of Paramont Capital Group listing a loan on my credit file. I had not received any calls other then a email from this company with a attached bill the same month two consecutive payments were reported late. I had no knowledge of this company prior to my findings and upon research, I checked with my local and state, XXXX XXXX XXXX New York, lending licensing departments and discovered this company was not a licensed lender or debt collector in my state.
Product: Credit card or prepaid card

I applied online for an XXXX Credit Card on approximately XXXX orXX/XX/2018 
I have never once used the card and called and asked them why i would be getting a charge for the card when I have never once used it. When I called XXXX they said they would do a fraud investigation and send me the results via mail. The charges that were made on the account were under {$100.00} and they refuse to close this credit card. It was recently reported to my credit report which has immensely lowered my credit score. 
I feel like I am being harassed and refuse to pay for charges that i did not incur. Surprisingly XXXX sent me a second card after I specifically requested them not to. This has caused me undue stress and anxiety and if the charges due continue to keep accruing i will have to get an attorney involved on my behalf.
Product: Credit reporting or other personal consumer reports

I disputed this on my account multiple times on my credit report, and it still shows the account " Account Not Disputed '' which is a violation of the law. 

XXXX XXXX - XXXX TransUnion, please provide proof I was late on this account by sending over bank statements from the data furnisher or else I was never late. Send over everything, NOT JUST THE BILLING STATEMENTS. 

One relevant case that addresses the obligations of CRAs is XXXX v. XXXX XXXX XXXX XXXX XXXX, where the court held that simply sending billing statements does not suffice as proper verification of a late payment. 

And tell me the method of investigation you used : XXXX Who did you speak to? 
XXXX. What was the method used to verify this account? 
XXXX. What is the name of the person and what time did you speak to them? 
XXXX. Was a XXXX form used or was this through electronic automatic dispute verification? 

You have 15 days to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home and have discovered that I have a charge-off reported on my credit report. The account is from Key Bank. I can give you the account number another time when requested. It is being reported as a {$0.00} balance charge-off last updated in XXXX of 2018. I did have an account with Keybank for financing a boat that I had purchased. My old business partner had taken over the payments and I was not notified until XXXX of 2018 that he had ceased making the payments. At that time I immediately contacted Key Bank and paid the balance that they said I owed ( {$32000.00}, see attached document as receipt of payment ). I have contacted Key Bank in regards to them misreporting this as a charge-off debt as I did pay the debt and did not receive a XXXX from them in 2018 asking them to please request that the account be deleted from the credit bureaus ( and provide me with a letter for my records ). They have taken the stance that they have accurately reported the debt and can not do this. 

As, I did pay the debt in full as they told me that was owed ( speaking with them today they informed me that I negotiated a settlement for {$2000.00} less than what was actually owed ). I did not propose a settlement with them at that time nor was I aware that was even an option ( Had I known I would have requested a much lower settlement then {$2000.00} off of a {$34000.00} debt ). 

I am in the process of purchasing a home and because of their misreporting of the debt to the credit agencies and their refusal to cooperate with deleting the tradeline, it is costing me thousands more in closing costs as it is affecting my credit score by XXXX to XXXX points depending on which bureau you look at. 

Again, as soon as I was notified by KeyBank that the payments were not being paid at and the debt was in a delinquent status I immediately contacted them and settled the debt for what I was told to be in full. 

I am requesting that it be deleted from all 3 credit bureaus.
Product: Mortgage

I was late on my mortgage for the month XXXX. I called my bank to tell them Im behind. They put me on a forgivens program were I dont have to pay till XXXX and those 3 months will go on the back of my loan. Then I got documents and there was nothing about it hitting my credit on there.i called and asked if there was a way to take the late payment off they told me no! So all I want is for them to take the late payments off my credit. Bc of that Im down over XXXX point on my credit.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report after requesting reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. The Variance in reported balances, Date Opened, Account rating, Last Payment Date, Payment Status and Account Status across different credit bureaus highlights non-compliance with 15 USC 1681 1 ( a ) XXXX report : XXXX XXXX XXXX XXXX Account Number XXXX, High Balance : {$130.00}, Date Opened XX/XX/XXXX, Balance Owed : {$0.00}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : XXXX, Credit Limit : {$100.00}, Account rating : Closed, Last Payment : XX/XX/XXXX XXXX report : XXXX XXXX XXXX - Account Number XXXX, High Balance : {$130.00}, Date Opened XX/XX/XXXX, Balance Owed : {$0.00}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : XXXX, Last Payment : XX/XX/XXXX, Credit Limit : {$100.00}, Account rating : Paid, XXXX report : XXXX XXXX XXXX  XXXX Account Number XXXX, High Balance : {$130.00}, Date Opened XX/XX/XXXX, Balance Owed : {$0.00}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : {$0.00}, Credit Limit : {$100.00}, Account rating : XXXX XXXX Last Payment : XX/XX/XXXX This account was Paid and Closed on XX/XX/XXXX since then the account has been repeatedly been updated in the payment history as Current when indeed that status is ( Paid/Closed ) The reported balance remains inaccurate post-sale of the account which is misleading and violates 15 USC 1681e ( b ) please investigate this matter and ensure XXXX accuracy in my report if it can not be verified I Demand this account be deleted from my credit report. In addition I would like to have a XXXX copy of my credit report mailed to my home address.
Product: Money transfer, virtual currency, or money service

In light of CFPB lawsuit, my financial institution and Zelle have failed to investigate my claims that have occurred using Zelle. After putting in my claims for my unfortunate events, I was informed that my funds are lost and will not be recovered. I was deeply saddened by my incident with Zelle and unauthorized conflict. I assumption was Zelle would reimburse me for my claim and that was immediately disregarded. I am asking for my reimbursement for my unauthorized payment from Zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I wrote to Equifax, XXXX and XXXX. Requesting an investigation into items that I know is INNACCURATE. To this date, I have not received a reply or any acknowledgment that an investigation has begun. I feel like I am being look past and ignored.
Product: Credit reporting or other personal consumer reports

I DISAGREE with the accounts listed below which STILL appear on my credit report for the THIRD time, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. Your report concerning me is harming me personally, emotionally, and financially, and causing me damage. I have asked you more than TWICE to VERIFY these inaccurate accounts and Experian has failed to do so. 

Account name : XXXX XXXX XXXX Account number : XXXX In accordance with, The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I also requested that you provide the names and business addresses of each individual with whom you VERIFIED the above so that I may follow up and you FAILED to do so.
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Continued calls, they will not leave a message, No one there if I call back. I had to search the internet to see who they are. I do not know of any debt that I have that is outstanding.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX XXXX XXXX that is located in Texas. I received a XXXX XXXX XXXX XXXX from a creditor that was taking daily payments from my account. When I tried to rectify and missed a payment, the company placed a XXXX XXXX on all my accounts including receiveables. The companys attorney sent letters to Square/Block and XXXX regarding the lien. Because the lien was placed in error and did not follow process, my attorney was able to have the court vacate the lien on and requested all funds be released that were on hold. The court document on file releasing the lien was filed and provided to both XXXX and Square. 
However, neither company has released the funds after receiving the court documents. 
XXXX XXXX has indicated since XX/XX/XXXX that the account is under review. The message that they are aware that they have received the documentation requested but has not provided any further information in writing why the funds have not been released or when the review will be completed. Note that no further information as been requested either. 
2. Square/Block- has not issued a document except emails that have different information reargrding the process. Emails dated XX/XX/XXXX and XX/XX/XXXX indicate that once the court documents have been received, the funds that they are holding will be released. However, the court documents and additional information requested about my company and bank account was provided. The email indicates that the attorney that filed the XXXX must submit the document in one paragraph and then later the document indicates that the documents just need to be submitted. The emails do not have a name but one email had a long report that the attorney submitted the release of lien on XX/XX/XXXX and then refiled the lien on XXXX which did not occur. When I requested copies of the documents that indicated that a lien was filed on XXXX ; the company did not acknowledge the error but just indicated that I as the consumer could not submit the document from the court. I requested a copy of their policy regarding the matter and I have yet to receive any documentation regarding the policy or standards in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my loan with Security Finance but they still reported my loan payment late three days ago- I do not owe them any money! I have disputed with the credit bureaus already. This ONE late payment has now prevented me from getting my home loan. The company also repeatedly called me at work after I told them not to do so. This action violates federal law in credit reporting and I am contacting an attorney if this is not resolved!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Student loan

I feel that towards the middle/end of my school career, my student loan officer did not assess my ability to repay the loans properly and that my accumulated loan debt was not factored into the calculation. With the high interest rates of the loans, the accumulated loan debt, the amount of time/number of classes I had left to complete my degree and the type of degree I was working towards - there 's just no way I could graduate and make the kind of money required to be able to comfortably pay off the loans. I would have had to forego basic necessities to be able to afford the loan payments. I was just to naive at the time to realize the student loan impact at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently being informed that a personal loan applied for was rejected, I visited XXXX XXXX on XX/XX/XXXX to order this year 's free credit reports. As has been the case over the last 2 years, all reports requested were received w/o incident except for Experian. The following CFPB Complaints have been filed over the last 3 years to address this problem : XXXX XXXX XXXX XXXX Credit reporting Unable to get your credit report or credit score EXPERIAN XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX XXXX Other personal consumer report Improper use of your report EXPERIAN XX/XX/XXXX Closed Feedback provided Although Experian promised to mail the requested report in its XX/XX/XXXX response to the above complaint, it was never received. Since my XX/XX/XXXX and XX/XX/XXXX online requests for my Experian Credit Report involved many of the same problems documented in the above CFPB Complaint, Experian has done little to address the concern. 

While successful in ordering the report via telephone, I'm also yet to receive my XXXX free annual credit report from Experian. Although the CFPB was copied on the attached XX/XX/XXXX letter request for my XXXX Experian Credit Report, I'm yet to receive it. 

Given Experian 's lack of compliance w/ requests for my free annual credit report, I pray that the CPFP will refrain from Closing this complaint w/o proper follow up and/or confirmation that the outstanding credit report requests have been cared for.
Product: Checking or savings account

On XX/XX/year> XXXX XXXX deposited a lump sum payout after I closed my XXXX account because I switched jobs. 
Chime closed or restricted my account XX/XX/XXXX or XXXX and I was locked out of my account Chime requested that I send in documents I submitted a copy of my id, birth certificate, ssn,? A copy of my chime debit cards, the check stub from XXXX XXXX and pdfs showing proof the deposit was intended for my account and the funds are rightfully mine They are refusing to tell me what I did wrong and Ive requested to have my case escalated over 10 times. All of the money I have to my name is in that chime account and I cant put gas in my car, buy groceries or pay my bills.
Product: Mortgage

In XXXX of XXXX, a check was issued to XXXX XXXX XXXX for my home mortgage, it was written from a wells Fargo account. The check was cashed by XXXX Bank in XXXX of XXXX. We have the bank-issued proof of deposit. XXXX stated that this check was never cashed by them reported me as late. Wells Fargo has been notified of this and a Notarized affidavit has been issued to Wells Fargo in XXXX of XXXX. We still have not received this money from Wells Fargo. Wells Fargo and XXXX XXXX are liable for the damage they have caused from XXXX XXXX to the present day XXXX. They have ruined my credit and fraudulently took money from the consumer. The amount of the check was approximately XXXX. In addition, they ruined my credit for over 4 years.
Product: Debt collection

I co-signed for an extended family member to get an apartment for he and his XXXX small children. He did not pay the rent. He was evicted. The debt to the apartment complex was put in to collections with IQ Data Collection and I have been harassed by them for two years. Yesterday I contacted them to get payoff information and I was told they would settle for {$.00} on a dollar but would not remove it from my credit report, unless I paid them {$.00} on a dollar. That does not seem legal to me. That is blackmail or extortion. Help, I want to settle this debt and get my good credit back.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two loans from neivant loans and they keep reselling the loans to collections I have a total of six times the same two Loans are on my credit report and this is since XXXX, shouldnt they have been off my report? This is preventing me and my children from a lot we are entitled to. Ive been XXXX by the state of XXXX since XXXX and unable to use the certificate I recieved for completing the XXXX XXXX course at XXXX XXXX in XXXX, XXXX!!! Totaling up to almost XXXX dollars on my report this is unfair and unjust I have had to higher a lawyer to help me also taking note money out of my pocket as a single mother of XXXX children trying to better our lives but get turned down from so much for example we need a vehicle and I cant get one cause of this situation. My name is XXXX XXXX XXXX XXXX : XX/XX/XXXX last four of social is XXXX please help stop this madness!!!
Product: Mortgage

In XXXX of 2021 I reported an appraisal error and omission in my FHA loan. Per HUD/FHA a lender is required to self report the following in the Loan Review System, Lender Self-Reporting of Fraud and Other Material Findings. The Federal Housing Administration Loan Review System ( LRS ) Lender User Manual and FHA Loan Review System Basics are attached for reference. 
Cardinal Financial chose the category of Property Eligibility rather than the correct category of Property Appraisal.

They have refused to provide a reason for this inaccurate reporting, much less submit the loan defect under the correct category, instead deflecting to things that are not the borrowers responsibility. They did not address the reasoning for choosing the incorrect category in the previous complaint.
Product: Debt collection

I consumer XXXX, XXXX, XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2019 I consumer XXXX, XXXX, XXXX starting receiving several notifications after the Consumer credit transaction with XXXX XXXX XXXX XXXX from AD ASTRA RECOVERY SE stating I owe a alleged debt in the form of mail as well as furnishings other deceptive forms to make me believe I owe a debt when in fact, I know I dont. Ive never heard of or do I have a binding contract between myself and AD ASTRA RECOVERY SE. AD ASTRA RECOVERY SE Is in Fact in VIOLATION OF 15 usc 1692j ( a, b ) ; Furnishing certain deceptive forms.
Product: Credit reporting

Equifax would not let me get past the security questions, which were all questions related to a Home Mortgage loan than I never took out, which makes me suspect that fraud may be involved and I need to know what the proper route to take is to identify if any fraud has been made. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been investigating my credit lately and and was sent into an absolute tail spin when I saw the terrifying violation of my rights and privacy. There are a number of unsubstantiated inaccuracies and they need to be corrected as it is effecting my life and health very negatively. I need to be able to be able to be present with my children and the stress from this matter is not allowing me to do right by my family
Product: Student loan

Submitted a payment onXX/XX/XXXX. Payment posted to my bank account XX/XX/XXXX. Discover did not credit my account for the payment. I brought this to their attention and they had me submit a copy of my bank statement and was told they would correct the error. As of XX/XX/XXXX my account was not credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute asking the credit bureaus to investigate every piece of information. On XX/XX/2022 i sent a letter telling the credit bureaus to investigate every piece of information again, on the accounts I have listed below. Also i have attached the letter i sent out, here is the certified tracking number # XXXX in the attachments below. 

According to the FRCA the term Investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account had been updated and verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. Upon my checking, last activity is inaccurate, payment history is inaccurate, remarks are inaccurate, months reviewed are inaccurate, personal information is inaccurate, etc. This is GROUND FOR REMOVAL of the accounts. 

These accounts and the credit bureaus also violated my rights under 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) 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. 

15 U.S.C 1681 Section 604 A section XXXX : also states a consumer reporting agency can not furnish a account without my written instructions. 

i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX