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

XXXX  as well as Experian needs to update report as XXXX balance and as a paid and serried charge off as XXXX  has done in their reports which I will send photo of credit reports showing XXXX reported correctly and XXXX  and Experian has not. XXXX XXXX XXXX needs to notified XXXX  and Experian as a XXXX balance and a paid and settled charge off
Product: Vehicle loan or lease

I was given payment arrangements and call to reschedule a payment for XX/XX/XXXX! I was granted the request but was never told that my vehicle was in jeopardy of being repossessed. They repossessed the car without my knowledge before the scheduled payment. I never received any type of letter they say they mailed a letter on XX/XX/XXXX and I have not received it yet! I have 10 days to pay the car off or it will be sold. They apologized for their error but said its nothing they can do.
Product: Debt collection

I have called Diversified Consultants to dispute the debt but they refuse to speak with me. They send me around to various employees and are making no effort to resolve issue. I do not owe this debt and they and other collectors have called me for the past 3 to 4 years on this debt. They claim it was a debt incurred in XXXX, CA at a time I was still stationed at XXXX XXXX, Oklahoma.
Product: Debt collection

XXXX XXXX Act Number # XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX Acct Num:XXXX XXXX XXXX Act Num : XXXX XXXX XXXX XXXX Acct Num:XXXX Pinnacle LLC Resurgent Act Num : XXXX Pinnacle LLC Regurgent Act Num : XXXX " No contract '' with my personal signed signature. Dispute all information as inaccurate. " No business agreement '' was established with XXXX, nor did any documents state I agreed to let them service my account, should I default on the loan. " No sign contract '' with XXXX to collect any money, and the statue of limitation for collection agency to collect in another state. XXXX entry on my credit report files is illegal as I never engaged in an agreement with their organization. Illegally reporting information on my credit file, is FCRA LAW. Read the law. Charge off/collection is wrong, please delete these accounts from all three of my credit report/ files.
Product: Debt collection

I received a phone call from TrueAccord stating I owe an outstanding balance from XXXX XXXX XXXX. I informed the representative that I paid XXXX XXXX XXXX in full years ago, and the debt TrueAccord is trying to collect is a fraud. On XX/XX/2024, I received an email from representative XXXX XXXX from TrueAccord ( request XXXX ) stating that this debit is ongoing under their investigation to collect a debt for XXXX XXXX XXXX. I tried to contact XXXX XXXX XXXX to find out that it is no longer in business as a financial company and has been closed.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details below are unrelated to me, and I request their immediate removal. 
XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

In XXXX, I had a major XXXX, was off work for XXXX  XXXX, missed my {$30.00} payment. They allowed a transaction to go thru that was over the limit for {$110.00}. This created a landslide of over the limit fees, late fees, merchandise fees, Ballooning the minimum payment. In XXXX  I contacted prosper  to ask if they had a program to help since it was a medical situation that contributed. I was told I didnt qualify. I asked for the card to be shut down and fees stopped so I could pay it off and be done with it, again refused. The minimum payment is now {$810.00} on a card with a {$700.00} limit. There is absolutely no way to get a handle on this card when they are increasing the payment at this rate. I want the card shut down so the fees will stop and I can get it paid off. I do not want this account or their business.
Product: Credit reporting or other personal consumer reports

There are several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

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 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 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 I AM A VICTIM OF IDENTITY THEFT. 

I AM A VICTIM OF IDENTITY THEFT.
Product: Checking or savings account

On XX/XX/year>, I made my last authorized transaction using my debit card. After that, without my knowledge, my card was either lost or compromised. From that point until XX/XX/year>, unauthorized transactions were made on my accounttransactions I had no idea about. In total, over {$4300.00} of MY money was spent or withdrawn. These were my hard-earned funds being taken without my consent. 

When I finally discovered what was going on, I immediately contacted BECU to dispute the transactions. On XX/XX/year>, they responded, offering to credit me only {$2300.00}, barely half of the total amount stolen from me. How is that acceptable? Over {$4300.00} was spentmoney I need to pay my bills and take care of my responsibilities. But they think its okay to offer just part of that back

? Im confused and honestly outraged that BECU is handling this in such a careless way. While I appreciate them issuing a new debit card, that doesnt solve the fact that Im out thousands of dollars that I didnt authorize to be spent. Im left wondering how they can take up to 45 days to investigate this when Im already suffering from the
financial hit. How am I supposed to trust this process when theyre already offering less than what was stolen from me?

This situation is unacceptable, and I expect BECU to take this far more seriously!
Product: Checking or savings account

My identity is being stolen my name is XXXX XXXX XXXX XXXX : XX/XX/1989 XXXX I have been going through this for over XXXX yrs I have houses and bank accounts and vehicles out in my name that I never went and aquired myself. I have been the subject of the XXXX XXXX scam my tag name is XXXX  XXXX I invested in stocks and never received any of the money I received a emai ( XXXX ) l in XXXX saying there were sending my account to XXXX due to the amount of money in my account and I received a financial statement from the company stating what was in my account and I called XXXX they rude told me I had no account and told me to not call back. I tried reaching out to XXXX XXXX  and no luck. I also downloaded a app on my phone and it had my bank accounts and stock information sync up to the app but it had different peoples names on the app XXXX and XXXX. I also am having a hard time getting my credit report I wrote and had my credit report sent to me in XXXX and it had some things that were not mine like someone had a child in my name I was XXXX  at the time of birth of child. And it had my business verified XXXX XXXX XXXX XXXX  and I found information that someone/someones are trying to steal my company. And every time I open a account for my credit or pre paid card I always get logged out and I never receive the card or can ever logg back in. And my account and name has been used to buy alot of property and someone has tried to XXXX me I have been XXXX XXXX and became homeless over this and my identity has been used to get government benefits and there also trying to get benefits from the veterans affairs also
Product: Payday loan, title loan, personal loan, or advance loan

Post Lake lending. On XX/XX/XXXX I initially agreed to terms On line which meant I was not able to include XXXX. The loan amount was {$650.00}. Once I understood they were taking payments bi weekly and I had already exceeded the loan amount by {$130.00}. I called the company. ( XXXX ) XXXX on XX/XX/XXXX and I asked the representative for the loan balance. She initially told me it was over {$700.00} and explained how the percentage was VERY HIGH. I told her I did not agreed to go into debt repaying a {$650.00} loan. She said she could accept {$500.00} instead. I have repaid {$1300.00} within less then XXXX weeks! This is not fair and ethical lending practice. To my understanding they use on line loan agreements to justify unethical lending practice.
Product: Money transfer, virtual currency, or money service

I have {$8100.00} that I attempted to withdraw from Poloniex and they kept telling me that I had to deposit a matching amount to withdraw my funds. Then they gave me a number to use on XXXX. There it was a tax after tax. I did deposit {$4900.00} then another fee of {$1100.00}. Then they wanted an income tax of {$3100.00} which I did not pay. A grand total of {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONW STOLE MY INFORMATION AND OPENED THE FOLLOWING ACCOUNTS IN MY NAME, THEY EVEN WENT SO FAR TO PAY ON THE ACCOUNTS UNTIL I REPORTED IT TO THE FTC AND THE XXXX POLICE REPORTS. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED : XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX XXXX XXXX XXXX, XXXX OPENED XX/XX/XXXX XXXX XXXX  OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/XXXX
Product: Consumer Loan

Regions Bank is reporting that I am over 30 days late on my monthly payment. I have proof that the bank receives the check but they do not process the check up to 3 and 4 days causing their system to show that I am over 30 days. I am not disputing that I was over 10 days and they can charge a late fee, BUT I was not over 30 days later! I should not be penalized for their process time ; they received my payment prior to 30 days past the due date of the XXXX.
Product: Payday loan, title loan, or personal loan

The loan was taken out on XX/XX/XXXX for {$900.00}. Big Picture Loans have been deducting {$250.00} from my checking account bi weekly. I wasn't aware of the apr of the loan was 670.3853 %. I have already paid {$2400.00}, but according to the the account this is all going to interest and nothing to principle. I have revoked the ACH authorization, the contract doesn't end until XX/XX/XXXX. Meaning I would be paying over $ XXXX on a {$900.00} loan.
Product: Mortgage

I had a mortgage and during the pandemic, the tenant did not pay any rent and explained this to Shellpoint for the last XXXX years and it has been frustrating to communicate with Shellpoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to delete inquiries that have been found by me on my credit report that I did not create. 

Furthermore I have provided to equifax an identity theft report field recently with the FTC for identity theft and was instructed by the FTC to provide a copy of that report that was filed that clearly outlines inquiries on my credit report that I did not create, sign for, enter into any contracts or agreements as those inquiries remain alien to me and I demand that those inquiries be removed at once!! 

These are hurting my Credit score each day and I demand that equifax remove them now! 

I disputed these unauthorized inquiries with Equifax along with police report and FTC identity theft report and will not correct these inaccurate inquiries as listed on the FTC complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue with Experian and  XXXX .   XXXX   has deleted the incorrect entry on my credit report. There is an incorrect entry on my  XXXX  and Experian credit report for   XXXX   XXXX   It 's showing a charge off for {$19000.00}. This is not my credit card. I have provided all  XXXX  credit reporting agencies proof that this account did not belong to me. Only  XXXX  did the proper thing and delete the wrong information.     It sickens me that  XXXX  and Experian seem to be comfortable with knowingly reporting inaccurate information on my credit files. It almost makes me feel like they have something to gain by neglecting to do what 's required by law. Otherwise, I do n't understand why they have n't erased the entry. I never applied for that card, never signed a contract for the card, yet its on my credit report and they refuse to take it off even after I have proven to them it 's not mine.     If it continues to remain on my report 15 days after they receive this complaint, I will file suit in small claims court for damages as outlined in the FCRA.
Product: Checking or savings account

Fw : I received this I have no clue who this is XXXX XXXX Fri XX/XX/2021 XXXX XXXX More actions From : BB & T Alerts XXXX Sent : Wednesday, XX/XX/2021 XXXX XXXX To : XXXX XXXX Subject : Message from Customer Service BB & T Logo XXXX XXXX XXXX XXXX | Free transparent XXXX XXXX XXXX Library Dear BB & T Customer , We're writing to let you know that our system detected a slight error in our regular verification process of Online Banking records to complete recent activity. 

Our system requires account verification for more security and protection to your account. To see how to solve this situation, please click check now to log on Check now and you will be directed to follow this process. 
Sincerely, BB & T Online Customer Service Copyright XXXX, Branch Banking and Trust Company. All rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name -XXXX XXXX XXXX XXXX  Law offices of XXXX Account number 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: Money transfer, virtual currency, or money service

Refer to prior CFPB complaint XXXX which was closed but should not have been. 

Paypal refunded my money subject to the prior CFPB complaint XXXX BUT the big problem is that now I am unable to withdraw it from the Paypal wallet . First, I tried to withdraw my account balance of {$730.00} to my checking account which I've always used with Paypal for probably 15 years. I linked it successfully by logging into my bank account through the Paypal website and then initiated a withdrawal. The next day Paypal summarily denied this withdrawal claiming my bank denied it, which they did not and nor have I ever had issues with my bank with Paypal or any other ACH transfer. Then I tried to add my XXXX  XXXX XXXX account by logging into it through the Paypal website. This seemed to go through just fine on my bank 's side with Paypal 's partner XXXX, but Paypal wouldn't let me add that bank account. Then I tried to add my XXXX XXXX account ( XXXX XXXX XXXX ) by verifying two trial deposits. Instead of posting the two verification deposits and then withdrawing the same amount, Paypal just took XXXX cents out of my account without depositing anything. So now I have no way to verify the account and Paypal stole another XXXX cents from me!!! I am sick of this company. First they didn't pay my credit card on time, then they sat on my money for 3 months while giving me the runaround even after a CFPB complaint, then they waited till the end of the 60 day timeframe the CFPB gives them to finally refund my money which I had asked for all along as they took their sweet time to figure out where my money disappeared ( which they still have not figured out to this day ), and now after refunding my money, they have trapped it and are not letting me access it or withdraw it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/XXXX XXXX dollars was withdrawn from my account I called immediately. I gave the bank countless proof of screenshots emails between the merchant and I and the merchant denies ever receiving the funds. chase bank over and over denies my claim and I have not received the money that is suppose to be protected by my bank. Under the electronic transfer act I am only liable for XXXX $ due to the fact I DID in fact call the bank to report these charges with in the two day limit. It has been over 2 months now and no resolution has been made. It is not right that my last resort would be getting a lawyer, but if needed I will.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was younger I unfourtuantely was not very protective of my personal information. During the summer of 2014 I left of a trip accross the country to which i had lost all my belongings at airport coming back. Ever since I had had numerous causes of fraud and identtity theft regarding to my name. I recently checked my credit report and was appaled at what I saw. These are the Fraudulent And Opened Account that were not authorized by me nor of my awareness. 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 There are also XXXX Inquiries that showed up recently on my report without my permission. 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 XXXX are just some of the items
Product: Credit card or prepaid card

On XX/XX/2018 my bill for account CAPITAL ONE BANK USA Opened XXXX. XXXX, 2018 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

I am filing this complaint under FCRA XXXX ( XXXX XXXX XXXX ) to request that XXXX XXXX fraudulent information appearing on my credit report. These accounts resulted from identity theft, the XXXX data breach, and fraud and must be removed within XXXX ( XXXX ) business days of receiving this request. 
The fraudulent accounts and inquiries include : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Request for Account Blocking and Deletion Due to Data Breach XXXX  XXXX Account Number : XXXX Please Delete this account. The account statuses do not match on each bureau. The bureaus are violating the XXXX by providing inaccurate information. 

I DO NOT recognize these accounts, collections, or inquiries. They were not opened, authorized, or initiated by me and are causing inaccurate reporting on my consumer FICO credit report. 
As proof, I have attached my FTC Identity Theft Report. I expect XXXX to comply with the Fair Credit Reporting Act ( XXXX  ) and immediately block these fraudulent items from my report.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end 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 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

EVERYTHING THAT I HAVE SAID BEFORE IS HAPPENING NOW BUT ALSO WITH MY CREDIT AND MY CARDS FROM ALL MY BANKS GETTING SENT BACK AND ILLEGALY CANCELED BY SUSPECTS THAT HAVE NO AUTHORITY IN THESE MATTERS AND ARE GRADE A FELONY GOVERNMENTAL CRIMES PLEASE KEEP IN TOUCH WITH ME AND RUN FULL INVESTIGATIONS ... BECAUSE THERE IS ALOT INSIDE THE JUSTICE SYSTEM THAT IS INTERNALY CORRUPT AS WELL I HAVE GOTTEN NEW INTEL AND EVIDENCE ... THATS WHY THEY KEEP SAYING THEY DO NOT SEE NOTHING WRONG ... ..I CAN BE CONTACTED AT XXXX XXXX XXXX OR AT XXXX PLEASE DO NOT SENT ANYTHING TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FOR THEY MIGHT BE INVOLVED AS WELL.. THANK YOU AND HAVE A BLESSED DAY .. AND GOD BLESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has credit card that is showing open on my records that is reporting Derogatory information of fays late when its been paid & closed. Its was only for {$7000.00} & account is show {$1000.00} over its value. I have disputed it with Bureaus asking them to remove the account because it doesn't have a full account number accessible.