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

GMFNANCIAL is reporting incorrectly that I am 30 days past due on partial account number XXXX ( please see page 12 of the attached credit report ). I was XXXX at this time ( copies of orders attached ). Pursuant to the SCRA ( Servicemembers Civil Relief Act ) these benefits may be used to delay payments and/or defer payments. Please see Benefits offered by the SCRA listed below. 

Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider Lets you end a vehicle lease you signed before joining if you are mobilized, PCS OCONUS, or deploy OCONUS for at least 180 days Lets you end a housing lease without penalty if you deploy for 90 days or more Lets a surviving spouse terminate a lease if their partner dies on active duty Lets a military spouse claim either their home of record, the service member 's state of legal residence, or the state they are living in for tax purposes Limits interest on all loans taken out before joining the military to 6 percent. This includes auto loans, mortgages, student loans, credit cards, etc. 
Also, it says that if you use any of your SCRA rights and delay payments it won't reflect on your credit report This inaccurate reporting is harming my credit score.
Product: Debt collection

Walla walla credit bureau has contacted me repeatedly for a debt that has already been paid. The debt is no longer on credit report and I received paid documents over 5 years ago. They call constantly but will not give proof of debt. Just demand money.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request of investigation on my credit report. Several accounts show inaccuracies and violations and the investigation took well over 30 days.
Product: Credit reporting or other personal consumer reports

The following account was charged off in XXXXXXXX XXXX  Since then, the account has been updated as " Charged Off '' every month. This is an update on the payment history. A Charged Off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. This company also doesn't accurately report to all credit bureaus. I am requesting a deletion of the following account : Account Name : Affirm Inc Account Number : XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be an error : XXXX / XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX HIGH BAL : {$420.00} XXXX XXXX  : {$1200.00}. Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXX XXXXXXXX XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit card

On XXXX XXXX I call XXXX XXXX XXXX and gave my name and insurance name, office person gave me an appointment for XXXX with XXXX.I was given a XXXX minute examination and a referral to another eye Dr., because XXXX claim I had XXXX. I went to the receptionist and she then handed me some paper 's with a different insurance name and she then inform me that they did not accept my insurance.I told her that, there has to be some mistake because I had waited one year and one month to be cover by my insurance and in order to be able to go home and call my insurance of this mistake I paid the bill of {$220.00}. Before I call my insurance I call the XXXX and told them that I had been refer to them by XXXX.I gave them my name and insurance name and they immediately told me that they did not accept my insurance. When I call my insurance and ask why had I been refuse, they then inform me that I went to a Dr. that was not cover by my insurance, and at the time of appointment receptionist should have told me this. I have been trying to resolve this problem for almost one year.American Express have open this dispute XXXX times and each time they claim that they will investigate, after all their so call investigation 's they sided with XXXX XXXX XXXX who XXXX XXXX is with, because they claim that I knew That I was out of NETWORK, when I went to them. My husband went to pick up my prescription 19 days later that they did not give me at the time of visit. I went to my medical Doctor to ask for a referral for eye examination. The Doctor fitted me with glasses and told me I do not have cataract 's. My husband wrote a direct letter to XXXX XXXX, which resulted 8 month 's from day of service, of her sending me on XXXX XXXX '' A Courtesy Discount '' check of XXXX XXXX dollar's.I do not believe that American Express stood by me and " Let Right Be Done, '' as XXXX, '' First Do No Harm '' I have paid American Express {$100.00} and I have a balance of {$120.00} plus interest of {$27.00}, that I feel that I do not owe. I do not intend to be like '' XXXX, I WILL FIGHT NO MORE FOREVER, '' as I WILL.
Product: Prepaid card

I was given a Vanilla Gift Card a few months ago, and tried spending it online XX/XX/year> and XX/XX/year>. 


Vanilla Gift Cards are mostly unusable for online shopping, contrary to claims on their webpage ( balance.vanillagifts.com/faq ) that " You can use your Vanilla Gift Card anywhere Visa debit cards, Debit, XXXX or XXXX cards are accepted within the XXXX United States and District of Columbia. '' The FAQ says : " In the Billing Address section, please fill in your name and address, '' but if I enter my own address, the card is always declined. I tried using the card on XXXX XXXX, the XXXXXXXX XXXX XXXX XXXX and a couple other online stores where I have used my Visa debit card in the past. I did find one website where these cards function properly, XXXX, which I think is because XXXX doesn't ask for a billing address. 


Many people on XXXX and XXXX have reported similar issues of being unable to use these cards online. I attempted the fixes explained there but nothing I tried worked. I'm glad I eventually got the card to work on XXXX but I also saw people on XXXX saying they gave up on the card entirely and never spent it. Some people also said they couldn't get the card to work for XXXX.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX XXXX XXXX. On Sunday, XX/XX/2020 I processed two wire transfers each in the amount of USD {$500.00} to my father, XXXX XXXX XXXX XXXX using Moneygram.  The transaction numbers are : XXXX and XXXX. My father needs these funds because of the pandemic. 

While reference number XXXX was transferred after 24 hours, transaction XXXX is still in pending status and notes that it is " in transit '' on the online portal but has not yet reached my father. The receipt shows that the money has been sent but the online status shows it as still " in transit ''. I have attached both documents as well as the information about the successful transaction that was sent at the same time. While the unsuccessful transaction shows that additional information is needed, I have called Moneygram and chatted with the online agents every day, sometimes multiple times per day, to provide additional information without resolution. Each time that I reach out to Moneygram, they refuse to provide me with an agent number, allow me to speak to a supervisor or provide me with any additional information. The automated chat feature is disconnected by the agent each time I ask to speak to a supervisor or for agent information and the call center employees have hung up on me multiple times or simply not returned my phone calls after calling daily and adding my phone number to the queue. 

I also called my bank ( XXXX XXXX XXXX ) and they have confirmed that the money was successfully taken from my account on Sunday, XX/XX/2020. 

Moneygram has taken the money from me but I can confirm that the money has not reached my father, who I am in contact with daily. I am reaching out to you for resolution since Moneygram has not adhered to the remittance transfer rules that protect consumers nor their own terms and conditions outlined in the agreement I signed. I have attached additional documentation. Please reach out to me at XXXX ( the e-mail at my work at the XXXX XXXX XXXX XXXX ), XXXX ( the e-mail affiliated with the Moneygram account ) or XXXX.
Product: Debt collection

On XX/XX/2020, I received a call from a man who identified himself as a process server from XXXX XXXX XXXX in California ( phone number XXXX ) who informed me that a civil lawsuit has been filed against me in XXXX XXXX, Florida by Citicard Home Depot ( Case # XXXX ) and I will be served today. He recited my social number but did not identify himself. I contacted my credit card company Citibank Home Depot and was informed that my account has a XXXX balance and there is no evidence of any payments due or debt owed to this creditor on my current credit report. I contacted the police and made a police report ( City of XXXX XXXX Police Department # XXXX ) Shortly thereafter my husband received a voicemail message from the caller who indicated that my husband and I were being sued and that implied that they would contact our mortgage. It is important to note that my husband and I have never had a joint credit card with Citi card or Home Depot and, based on my review of XXXX Country Clerk of Court records, there is no evidence that a civil complaint is currently filed me against me and/or my husband by Citicard or any other creditor. I believe that may be an old debt which, if true, would have existed years before I met my husband. I was informed by the police that the police contacted the company and was informed that this is related to a debt collection effort. In a subsequent call, the debt collector called me a " loser '' and a " dead beat '' and made other disparaging comments about me to my spouse.
Product: Student loan

Took out a {$42000.00} Parent Loan in XXXX for my son. Paid over {$35000.00} to Navient over the years and recently started to make double the payments to pay it off. I instructed them to always apply any extra to principle. Last month I noticed the balance doesn't seem to be going down and took a screen shot of the Current balance {$44000.00} on XX/XX/XXXX since they do not show how the payment is applied on their website. The interest on this loan is 6.5 %. I went to make the payment today XX/XX/XXXX ( the due date is XX/XX/XXXX ) and the principle is showing {$44000.00}. I called Navient and the employee XXXX emp # XXXX stated that on the date I made my payment on XX/XX/XXXX the principle went down to {$44000.00}. My {$500.00} payment took {$11.00} off the principle. He then was explaining that the interest accumulates and making odd and incorrect statements. I told him that it isn't possible to make a {$500.00} payment and have the principle go down on that day only {$11.00}. He then tried to make calculations as he was adding and couldn't explain it. I asked for a copy of the note. 
Please this is obvious a loan shark situation. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX, Upon rechecking my credit report I've noticed the same errors are still on there despite the violations I provided. This is my last time bringing this to your attention before I file for litigation. You are damaging my reputation, and defaming my character by reporting XXXX that goes against my rights, and the laws of XXXX. You are sending pre-written generated letters that are not solving the issue, for instance, pursuant to 15 U.S.C 1681a ( 2 ), any report containing a transaction or experience is to be excluded from a consumer report. All the accounts I've shown were the case. So by now your willfully ignoring this law which is adverse to me and is grounds for actual damages. I'm demanding you remove it immediately and I will use this complaint as an exhibit if you choose to ignore or misdirect my complaint.
Product: Debt collection

Did not sent information to validate debt, Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Vehicle loan or lease

I received an email from XXXX to my email XXXX that Welcomed me to XXXX XXXX. The email is stating that I " XXXX '' utilized a loan from their company to purchase a XXXX XXXXXXXX XXXX. The account they opened ends in XXXX. 

I did not make this purchase. I was immediately concerned this was identity theft and contacted the phone number on the email. 

I told them that this account was opened without my authorization and approval. I did not or do not want to purchase this vehicle. They asked me to provide my SSN and account number so they could look into this, obviously I was concerned to give this info to them. They refused to look further into this to validate if I have cause for my concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated and DELETED. LET 'S READ ABOUT A REAL INVESTIGATION. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) 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. YOU HAVEN'T CONTACTED ANY OF MY NEIGHBORS WHICH I HAVE THEIR STATEMENT FOR PROOF IN COURT. In addition,, you allowed the furnishers to break the FCRA law under Section 623 ( a ) which states prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. Please investigate these items and DELETE. I gave you both credit reports with before and after errors. 

1. XXXX XXXX Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. 

XXXX XXXX expedtiously due to they have been reinserted again inaccurate which is against the law. 15 U.S. Code 1681 ( a ) 5 ( B ) ( i ) ...
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, excepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i have provided, causing ongoing harm to my standing. I am requesting immediate corrective action to amend or remove the disputed accounts, as Experians inaction violates federal laws and my rights as a consumer.
Product: Debt collection

I have a civil judgment from Keith D Weiner & associated which I had been paying on at {$75.00} per month. I changed banks and previously had an auto draft Payment arrangement. I had received a letter stating they had received my payment and to call the office. I called the office and was told that my XXXX was {$75.00} which happened to be the same amount as my payment arrangement I found that odd and ask for that in writing I never received it. The next thing I knew I was being garnished a month later. 

XXXX County Municipal Court case # XXXX judgment amount was supposed to be {$400.00}, they garnished {$1000.00} creating an overpayment of {$600.00}. Three garnishments were taken from my paychecks on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I was paying for a judgment that had already been satisfied, and they wouldnt stop garnishing my pay. I called the office on several occasions. I spoke to a collector named XXXX - every time I ask him why are you still garnishing my pay for a job that is already paid he said I dont know. When I asked him how can I get this garnishment to stop he said I dont know. I asked him who is going to refund my overpayment he said I dont know. 

After disconnecting the call I called back and asked for his manager whose name was XXXX as well. I left him a message twice and never received a callback. My message was very clear I left my number as well and still no call back its been 10 days. 

I called XXXX Clerk talked to XXXX in the clerks Civil Division, She had advised me that Keith D Weiner and associates had never sent over a release, In addition I checked today and no release was sent. Furthermore they stated they do have a small overpayment thats going to be released to no one basically, stating that Keith D Weiner and associates has file an entry that any overpayment needs to be sent back to my employer and they havent done that either. 

Today I received an email from HR that said I have to get my refund from KDW or the courts. 

Keith D Weiner is keeping my overpayment. 
In addition they sent me a release stating the judgment was satisfied, they sent one to XXXX our payroll company, but didnt send one to the court. The court said that they will not except my fax copy that they need it from the actual plaintiffs attorney. In addition they dont have any entry stating that they can refund the overpayment, if they have one nor is Keith D Weiner and associates returning my call about the overpayments. 

Its now just a few dollars its {$600.00} in overpayment. 
In addition a copy of the judgment that I received, is not correct. As I have been paying {$75.00} a month for several months as they were taking it right out of my bank account. Therefore there is a larger over payment then what I noted.
Product: Checking or savings account

I normally get paid on Thursday evening early XXXX and actual payday is XXXX on Friday XXXX. It is XXXX and I still have not been paid nor do I have access to my account to move funds or do anything with my money. Capital one should have some kind of fail safe in the event this happens because people can not go without pay. Called customer service and they said they have no idea when things will fix but it should be restored soon. Monday is a holiday so if it is not restored by then then I will not get paid until at least Tuesday.
Product: Credit reporting

LexisNexis failed to mail my XXXX report which is part of their full file disclosure that I requested back in XXXX. 
I have called them about it and they told me they would mail me a copy, but nothing has come.
Product: Vehicle loan or lease

CarHop of XXXX took XXXX payments on XXXX billing cycle XXXX and XXXX and refused to return the overpayment of XXXX in a reasonable manner stating the overage could only be returned by check in several weeks but payment was taken by ach. XXXX the first representative said she would do a reversal ASAP and the manager refused to do so even after proof of overpayment was submitted. As a former loan agent of XXXX XXXX XXXX I have in the past done an ach reversal or wire when a customer was due funds. Both can be done same day if submitted by XXXX XXXX  Each businesses day or set for the next business day.Also as a separate subject now that the company has broken contract the interest exceeds State Maximum under the usery law.