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

I have paid off XXXX loans from this company. The first set of paperwork included XXXX protection I took out a third loan paid most of the loan off and paid online an extra payment and they refused to credit that payment to the account. They also told me that anything I paid on the account would not be applied to the principle. They took my car violating a breach of Peace law. Even after getting fined they continue to deceive and cheat their customers. As I work with lawyers who specialize in this I wonder how long this company will be permitted to keep doing this to people. Taking money out of my account and then trying to take more out of the account causing over draft fees. Taking a payment and not applying the payment to the account and saying that there is nothing they can do is theft.
Product: Credit card or prepaid card

Follow-up to complaint ID : XXXX. XXXX from Cardmember services left a voice message at XXXX EST on XX/XX/2021, four minutes prior to leaving his post for the day which was stated on his voice message ( XXXX XXXX departure time ) upon promptly returning the call at XXXX EST. A message was left for XXXX stating that the CFPB would be contacted again for the negligence and express judgment inappropriately passed by XXXX Elan Financial prior to speaking to their client. Elan Financial had additional questions that have gone unanswered yet a decision was made against the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has broking the law. EXPERIAN assumed this role I never gave them permission in the first place to have my private information that's identity theft. EXPERIAN is not exercising their grave reasponabilty to insure me the consumer has fairness, impartiality and respect to the consumers privacy .EXPERIAN violated 15 usc 1681e ( A ) ( B ) ( C ) ( D ) They continue to violate the FCRA. Pursuant to 18 usc 8 I own no debt. EXPERIAN violated my consumer right to privacy pursuant to 15 usc 1681b2 EXPRIAN has no permission to report ANYTHING using my information pursuant to 15 usc 1681A. The accounts in question is XXXX XXXX XXXX  LATE PAYMENT ) and XXXX XXXX CHILD SUPPORT ( LATE PAYMENT ) Me being the Consumer my rights have been violated and I want that late payments removed immediately. And don't act like you don't no my information because you have all you need.
Product: Credit card or prepaid card

I am a consumer who applied for a TJX rewards credit card, offered by Synchrony Bank. Synchrony bank received my application and denied granting me an extension of credit for family and household purposes. Synchrony Bank replies and says that their decision was based on a credit scoring system from the consumer reporting agencies which is a violation of discrimination and defamation under the Fair Credit Reporting Act, Equal Credit Opportunity Act, and the Consumer Credit Protection Act. Although Synchrony Bank may consider information obtained in my credit report to evaluate my creditworthiness, the information must not be used to discriminate against me, and the decision-making. Synchrony bank also failed to notify me with the name and address of the Federal Agency that administers compliance which is a violation.
Product: Payday loan, title loan, personal loan, or advance loan

Today my sister received a call from the same company I reported a few months backXX/XX/XXXX stating she was pin of interest they were once again looking for me stating I took out a payday loan n that there supposed client was now filing a judgment against me for non payment I am really getting fed up with this company as I NEVER in my entire life taken out a payday loan Ive filed for identity theft and been told my Information was exposed on the dark web this has literally been a nightmare I suffer from severe anxiety and its been extremely hard to regain my life back I just want the calls to stop n the harassment to stop as this is becoming ridiculous this is the number they contacted me off this XXXX please help
Product: Credit reporting

I went to XXXX to obtain copies of my credit report from the XXXX credit reporting companies. I logged in and then answered questions to receive the PDF copies online. The system then logged me out a few minutes later and did not allow me to print my reports. I tried to get back into the system and it stated I had already been serviced and to come back next year. Submitted complaint got form letter of " regret '' back in mail. Did not address the issue or resolve the complaint. In the letter and website, they do not provide a number to call or other access ; just return XXXX address. At a minimum, they should mail me my XXXX credit reports as they know from their system I was not able to access or print them despite providing all of my personal information and answering all of the security questions satisfactorily.
Product: Credit reporting or other personal consumer reports

I appreciate the time you have taken to address the removal of certain fraudulent items from my file stemming from an alleged identity theft. However, there are still remaining ACCOUNTS that require attention. This marks my third complaint as a victim of identity theft, and I am disputing specific accounts in my file linked to this crime. The disputed accounts are unrelated to any transactions involving the acquisition of goods, services, or money authorized by me. Enclosed with this complaint is my FTC report # XXXX. Kindly proceed with the removal of these accounts from my credit file associated with the alleged identity theft : -- -- -- -- -- -- -XXXX  XXXX -- -- -- -- -- - XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- -- -EQUIFAX -- -- XXXX -- -- -- - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- -- -XXXX  -- -- -- -- -- -- - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00}. These accounts are unfamiliar to me. Additionally, the information provided on these accounts has already been DELETED from other bureaus, raising doubts about their accuracy and the reported payment history within my credit file.
Product: Credit reporting or other personal consumer reports

XXXX 1. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Inquiry Type : Hard 2. Inquiry Date : XX/XX/2023 Creditor Name : XXXX  XXXX Inquiry Type : Hard 3. Inquiry Date : XX/XX/2023 Creditor Name : CPS Inquiry Type : Hard 4. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Inquiry Type : Hard 5. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Inquiry Type : Hard XXXX 1. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Inquiry Type : Hard 2. Inquiry Date : XX/XX/2023 Creditor Name : CONSUMER PORTFOLIO S Inquiry Type : Hard
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I placed my objection to Credit Report issued by Experian showing an account with XXXX with an outstanding balance of {$480.00} still remained unpaid and thus affecting my credit score for which other financial Institutions declined their financial services. 

I sent in my dispute of that false information and submitted copies of the settlement offered by XXXX XXXX XXXX XXXX in behalf of XXXX back on XX/XX/XXXX, as well as copies of payments cancelling my debt as of XX/XX/XXXX ( that is TWO years ago ) as it can be proven with the attached documents.and requested Experian to delete this item from my credit report. 

Furthermore I spoke to Experian Customer Service about the dispute initiated and they only limited to tell me that I had to address my concerns directly to XXXX for which I rejected this procedure because they were directly involved in the lack of accuracy in my credit report and they were making business selling that information. 

Finally the most weird response came from Experian telling me that they can not honor my request alleging that because you did not provide sufficient identification information for us to verify your identity or the information you provided was not legible ( see attached letter ) I also spoke to XXXX  Customer Service and as per their instructions I faxed them the same documentation sent to Experian and toi this present date the issue remains unresolved affecting deeply my good record
Product: Mortgage

Mortgage company roundpoint is not responding to request of closing escrow account and forcing me to keep it open for two years after loan starts even though i meet all the requirement for closing escrow.
Product: Debt collection

I had paid off my credit card in XXXX of 2016. 
In XX/XX/2016 someone broke into my truck and stole checks and Wrote 3 checks against my account. 
There was no money in the account. 
The checks totaled approx {$8000.00}. 
That approx amount then went back on the credit card due to insufficient Funds in the checking account. 
Copy 's of the police report and all requested paperwork was completed ON TIME.

4 additional copies of police reports were filed because they kept misplacing them. Additional paperwork was also filled out.

USBank has harassed me incessantly saying I owe money for paid off Charges. ALL CHARGES WERE PAID OFF!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

At the end of XXXX I paid off my Victorias Secret credit card. To date no difference has been reported to any credit reporting agency. I called the company XX/XX/XXXX. Comenity - the bank that holds the credit card acknowledged they did know about the problem and asked if they could send me a letter that it was paid off. Getting a letter doesnt raise my credit score. I was waiting for a certain score to then apply for something else but I wanted this to show as paid in full first. It is now XX/XX/XXXX its been over 90 days and there has been no resolution. I was going to go on social media and complain to Comenity but it appears Im not alone with massive issues by other credit holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted police once i returned home from a weekly vacation to realize that my vehicle had been stolen. some of my things were missing that were inside the vehicle like my wallet which had my credit cards, id and ssn card inside and a few clothes that i had stored in the trunk. i later realized that some purchases had been made and that unauthorized activity was showing on my credit report. ive contacted the agencies to get it resolved but no one has been communicating with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct XXXX XXXX. XXXX XXXX XXXX Acct # XXXX xxx XXXX. XXXX Acct # XXXX XXXX. XXXX ACCT # XXXX They have violated my rights. 

15 U.S.C 1681 Section 602A states that I have the right to privacy 15 U.S.C 1681 Section 604A Section : It also states a consumer protection agency can not furnish an account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) -- 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: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to XXXX XXXX and the credit reporting agencies for months disputing the incorrect reporting that XXXX has put on my credit reports. XXXX is reporting late payments for months after my account with them was paid in full and closed. I received letters from XXXX stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to XXXX to be sure that they received it. I have written to XXXX 's dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( CFO ). XXXX absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. 

I have disputed this with XXXX, XXXX, and Equifax. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.
Product: Student loan

I was misguided by a Navient account representative on repayment options for my student loan.
Product: Credit card or prepaid card

I provided the XXXX app with my Bank of America banking login information for the purposes of earning reward points based upon their monitoring of my credit card charges at specific merchants. I made several purchases at XX/XX/XXXX which was one of my selected retailers which initially tracked and I earned points from ( XXXX points per dollar spent at XX/XX/XXXX ). Recently my purchases have stopped tracking. However, the issue is that I redeemed XXXX points for a {$20.00} XXXX gift card which I have yet to receive after one week ( FAQs state payouts will be made within XXXX days ). I 've submitted multiple inquires to XXXX and it seems they will not pay out saying my account has been flagged for my safety. Their responses are generic and not informative. If there was an issue with my transactions, Bank of America would advise me and it is not XXXX XXXX job to do so. XXXX is simply there to monitor transactions to provide rewards. If they do not pay out what I rightfully earned, they are a scam and need to be shut down immediately seeing how their business involves gathering consumer 's bank account login information and monitoring financial activity.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX dateopened XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This debt originated with XXXX XXXX XXXX  and is very old. I experienced hard times starting in 2017 and could not pay the debt. However, I did pay an insurance premium on this account which was supposed pay the debt in the case of job loss. I started this process, but from what I can determine, the creditor did not apply the insurance and settle the account. 

Fast forward to the present and they came out of the woodwork trying to collect this debt. They are using three debt collectors, Halsted Financial Services, XXXX, and XXXX XXXX. Each collections agency is stating a different amount for the debt owed. 

XXXX XXXX, has threatened to file a lawsuit in multiple emails to my private email account. See Attachment. 

The Halsted agency calls me incessantly using different numbers from the state of Georgia. Given the current situation with the coronavirus, in case a family member or friend is attempting to reach me from a different phone number, I can not screen calls. The Halsted agency even started sending me text messages. See Attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I opened a credit card with the Bank of America and since that, I set an auto payment with the total amount every month and had no single missing monthly payment with them or with other creditors in my whole life. 

My Statement balance on XX/XX/XXXX was {$7.00} and for some reason, the bank removed my auto payment so that amount was not paid as usual and I never know that. 

The following month ( XX/XX/XXXX ) the bank charged my account {$0.00} as interest for the {$7.00} that was not paid due to the removing the auto payment by the bank, and in XXXX they charged my account {$0.00} for the same reason without noticing me that my account has a problem that needs attention. When I realized that I paid the full amount immediately. 

The problem is that was reported to the three credit bureaus as a late payment for more than 30 days and that affected my credit score and has decreased by XXXX points for the late payment of just {$7.00} after dealing with that bank for XXXX years with no even single problem or delinquency. 

I contacted the bank to explain that was a mistake by them to remove my auto payment and I would never make a delinquent and destroy my credit history for just {$7.00}, they refused to solve the problem by sending any notice to the credit bureaus removing that and showing that was their mistake and not mine. 

I disputed that with the credit bureaus but they said the information that was reported to them by the bank is accurate and correct and they are not able to do something until the bank is sending them a notice saying that was their mistake. 

The bank made that mistake and I pay for it, they destroyed my credit score and my credit history for just {$7.00} while my credit line with them is {$5600.00} with a good standing and clean history, That is odd and ridiculous! 

I am asking you to investigate that and let the Bank of America send a notice to the three credit bureaus to remove the late payment from my credit history and fix my credit score that was affected by that.

Thank you!
Product: Debt collection

On XX/XX/19 I received a credit alert stating that Diversified Consultants have placed an account for collection on my credit report. According to Diversified Consultants, the assignment date was XX/XX/19 however I have not received any communication/dunning notices in regards to this debt in order to verify the debt is accurate and mine. This account has been paid to the original creditor of XXXX and therefore Diversified Consultants have no authority to collect on this debt. After speaking with agent at Diversified ( who was very rude ) and letting her know that the account was paid she stated Diversified will not remove collection and only update it as paidwhich would be false since I have not paid one cent to Diversified so it would be false and inaccurate reporting on my credit file. XXXX has stated that Diversified has to remove the collection account since they terminated their collection authority.
Product: Debt collection

this was charged to me ... ..this is not my debt ... .SCA Credit Services , inc
Product: Credit reporting or other personal consumer reports

I'm not liable for this debt with XXXX XXXX XXXX  | do not have a contract with XXXX XXXX ; they did not provide me with any original contract as requested in accordance with the FCRA Fair Credit Reporting Act. 
XXXX XXXX XXXX has violated my rights ; 15 USC 1681 section 602A. 15 USC 1681 section 604A section 2, 15 USC 1681c ( a ) ( 5 ), 15USC16815-2 ( A ) ( 1 )
Product: Credit reporting or other personal consumer reports

I did not sign up for this inquiry and my report is now on alert
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to inform that this account is reporting false and inaccurate information and needs to be removed by law immediately. This account is showing 3 different last active dates which is false and inaccurate, against the law. Also showing last payment date false information. This account is also showing false information for the last reported date. This account needs to be removed immediately or I will continue this investigation. THIS ACCOUNT ALSO SHOWS 3 DIFFERENT DATES FOR ACCOUNT OPENED. THIS IS AGAINST THE LAW. 

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX LAW 15 U.S.C. 1681x 15 U.S. Code 1679c
Product: Debt collection

Description of Dispute On XX/XX/year>, a collection account for {$310.00} was reported by National Credit Adjust. This account is listed as an open account with a derogatory status across XXXX, XXXX, and XXXX. The comments indicate that the account is seriously past due and has been assigned to a collection agency or credit grantors internal collection department. 

I have previously disputed this account, questioning its accuracy and validity. Despite my efforts, I have not received adequate documentation to substantiate the amount owed or to verify that National Credit Adjust has the legal right to collect on the debt. The reporting remains incomplete and unverifiable. 

The account has also been reported inconsistently, with varying Date of Last Activity and Date of Last Payment fields across credit bureaus, adding to my concerns about the accuracy of the information being reported. 

This unresolved issue continues to negatively impact my credit profile, and I believe the reporting fails to meet the standards required under the Fair Credit Reporting Act ( FCRA ).
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 Accounts # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 604 says I have the right to privacy and 15 USC 1681 604a says they can not furnish anything without my written consent and I did not give written consent to to report anything
Product: Credit reporting or other personal consumer reports

I can't get an apartment about to be XXXX  because of negative information its defamation of my character. according to the 15USC and 1681