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

I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND THE CONSUMER. After reviewing my consumer report, I noticed that there were a couple of hard inquiries on my report which I did not authorize. On XXXX XXXX, TransUnion posted a hard inquiry from XXXX XXXX XXXX to my consumer report and a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX. Pursuant to 15 U.S.C. 1602p, my credit was misused. I never gave written instruction to TransUnion to furnish a hard inquiry to my consumer report ( 15 USC 1681b ( 2 ) ), therefore, for these hard inquiries to be reported, it is identity theft and have to be deleted. TransUnion also allowed XXXX and XXXX XXXXXXXX XXXX to have access to my consumer report without my permission or consent which is illegal pursuant to 15 USC 1681n ( b ). With an initial investigation not being completed by TransUnion ( before furnishing the information ), these hard inquiries should have never been reflected on my consumer report pursuant to 15 USC 1681a ( 2 ( b ) ), which states a hard inquiry should be excluded from a consumer report. In response to the review of my consumer report, I have sent TransUnion a remedy letter, a notarized affidavit of truth, an invoice and a supporting document which they received on XXXX XXXX, XXXX. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report.
Product: Vehicle loan or lease

On XX/XX/XXXX be vile was in a car accident XXXX seemed a total loss and informed Mercedes Benz that they wore going to pay out the beguile in XX/XX/XXXX they only sent amount of XXXX which Mercedes processed and the date was showing next due date was XX/XX/XXXX and stating when I pulled my credit today XX/XX/XXXX showing it was negative as a charged off when clearly the other party was at fault. Nor has Mercedes Benz or XXXX have made any contact with me since they recieved payment nor to inform me the charge of account as well
Product: Credit card or prepaid card

On XX/XX/20 my account was locked by American Express Serve. I use this card to receive my pay checks on, my own personal money. During this time the stimulus checks were coming out and they were receiving many phone calls with questions about the checks. My only concern was getting in contact with someone to unlock my account so I can access my money from my employer. I was hung up on every time that I tried to call, and I have been very patient. It is now XX/XX/20 and I am still not able to get in touch with anyone. I have to buy groceries for my family with the money that is in that account and I have no way to access it.
Product: Debt collection

OneMain Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015 I had rented an apartment from XXXX XXXX and had to break my lease losing my deposit and when I returned the key, was told that they looked forward to renting to me again in the future. 

Recently I paid {$450.00} deposit to look for another rental. Before I was approved for the rental I went into the office to cancel the request. The document I signed stated that I would lose {$75.00} for a filing fee. The office manager stated that he was not giving me back my deposit and called the police to have me removed. I waited for the police, showed them the document, and they convinced the manager to return the remaining {$370.00} of my deposit. I have attached a copy of the document discussed. 

I then notice that on my credit report I see a collection from XXXX XXXX XXXX for {$3700.00}. I have never been notified of what this debt is for and have no idea what it is. I discovered that it was filed by XXXX XXXX. Upon further investigation, apparently XXXX XXXX is not at all reputable and perform these sort of 'vindictive ' actions if any customers dispute their practices, as when I waited for the police and got my deposit back. 

Please advise me on what to do to have this illegal item taken off of my credit report. 

Thank you.
Product: Credit reporting or other personal consumer reports

my information was exposed in a data breach XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are some of the inquiry that i did not give authorization to. Everything on my credit have be exposed in the data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts 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, And I DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These XXXX XXXX are violations and must be removed.
Product: Payday loan, title loan, personal loan, or advance loan

I sent a payment of XXXXXXXX XXXX  on XXXX and the payment was not posted to my account until XXXX .Also this company not being transparent with payments led to them receiving an over payment of {$500.00}. I would like my XXXX $ refunded as soon as possible. They hold your payments for an unnecessary amount of time to charge interest. Very unethical
Product: Debt collection

I started paying to XXXX XXXX XXXX : LVNV FUNDING LLC in XXXX of XXXX, While dealing with them at first they were not reliant when it came to taking the money out at first so I resorted to paying manual and keeping a record of all the mailings I got from them. But as I started paying them I noticed that the remaining amount owed is not reflective of the actually amount that i should owe. In fact, the amount still owed hasn't move at all in the last XXXX months! I mentions this and called them a few times to tell them that their information was inaccurate and they kept saying that their online systems are slow to update! I can understand a few days but just doing basic math should show that in fact, the amount should be closer to XXXX dollars still owed not XXXX! 

Original Balance : {$3500.00} False Current Balance : {$2900.00} Actual amount that should be owed : XXXX Dates of payments : Payment History XXXX {$25.00} XXXX {$110.00} XXXX {$110.00} XXXX {$93.00} XXXX {$25.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} pending payments : Pay Date : XXXX Amount : {$110.00} Total : {$110.00} Last time I called was today XX/XX/XXXX
Product: Debt collection

I am disputing the accuracy of the XXXX XXXX XXXX account on my credit report. Despite my efforts, the credit agency refused to remove the item, citing an update after a reinvestigation in XX/XX/XXXX. The account remains in collections for {$10000.00} and is scheduled to stay on record until XX/XX/XXXX. 

Per the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting removal of this inaccurate information since the credit bureau has not verified its accuracy. Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ), XXXX XXXX XXXX is responsible for ensuring they report accurate information, which they have not done.

I ask that this matter be resolved in compliance with the FCRA. 

Sincerely, XXXX
Product: Credit card

I don't use autopay for my AMEX bills, but i generally schedule them well ahead of time. I am rarely ever late ( maybe once every couple of years. ) I appear to have missed scheduling an XX/XX/2024 payment and was notified of it by email on XX/XX/XXXX. I scheduled a wire and paid off the outstanding invoice as well as the subsequent invoice due XX/XX/XXXX. They received this payment on XX/XX/XXXX, 8 days after my XXXX payment of {$23000.00} was due. 

I was stunned to see in my account a {$940.00} interest charge on XX/XX/XXXX, only 5 days after the invoice was due. 

I called up and spoke to array of customer service people, then managers, and what they told me was XXXX ) There was 'nothing they could do in the system ' even though they said they would fix it if they could as I've been an active cardholder for 34 years and XXXX ) The basis for the excessive charge was that once the payment was considered late, as I was listed in a 'payment over time ' option they could start charging me interest from the beginning of the credit card statement month instead of from the day I was overdue on paying it. They therefore went back to XXXX to start charging interest. 

I said this was outrageous, and pointed out there would be zero interest if I had paid on XX/XX/XXXX so therefore they didn't somehow get to go back and charge me interest from before that occurred. I also noted that I had no idea how I had been entered into 'payment over time ' option and that at no point was it adequately explained to me that in this program any minor lateness could be treated with essentially excessive and retroactive interest. I asked if i was NOT enlisted in this program how much I would be charged for being late, and was told 'they did not have the answer to that question ' but seemed to agree it would only be a small late fee and/or a few days interest. 

In any event I asked them to remove the charge, or otherwise fairly compensate me for it, and they refused. I told them to turn off 'payment over time ' for my account and applied for a new XXXX card to replace my Amex.
Product: Credit card or prepaid card

US Bank Reliacard has told me to contact Louisiana XXXX XXXX, and they RARELY answer the phone, and when they do, and not hang up on you immediately after sitting 2 hours with you waiting to literally hang up in your face. or send another card another card. I have recently gone through 3 US Bank cards, all with a XXXX balance, when my Unemployment has sent me a total of @ {$700.00} strictly unemployment, and about {$2000.00} for the CARES ACT. Someone please solve this conundrum for me! This has gone on for a very long time, and whoever is reading this, please help!! Times aren't exactly kosher at the moment. 

Thank you, XXXX XXXX XXXX XXXX is the laziest employees I've ever had to deal with on the phone, and US Bank XXXX XXXX is not far behind them, where I wait about 1hr 30 min on average to speak with a human being.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX  XX/XX/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 ( Original Creditor : XXXX XXXX  ) Account # XXXX - XXXX XXXX Account # XXXX 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 or other personal consumer reports

I have never been 30 days late. I contacted the company when I returned from XXXX XXXX. I had asked for electronic billing at least six months before, and the company never updated my data until later in XXXX 

I was in XXXX with no internet access in XXXX and no access to clearly could not get US Mail. 

As soon as I returned, I called the company and complained that they didn't send me an electronic notice, and I paid the balance in that call. Its never been 30-59 days as reported in XX/XX/ XXXX 

I was assured that my payment history wasn't negative, but I see it reported paid as agreed, with no delinquencies. I paid {$300.00} in XXXX in two payments of {$300.00} within ten days of each other, which clearly shows that I wasn't delinquent 30-59 days.
Product: Debt collection

Portfolio Recovery got my wages garnished since XX/XX/24 once everything is paid the garnishment gets adjusted for a newer amount. This happened twice already telling me I owe more than initial payment. Even when I did the first complaint about garnishment they specify the amount that I owe so why they keep increasing it.
Product: Debt collection

I've reached out to ATG Credit LLC, several times regarding accounts that they're reporting on my credit report and I can't seem to get this resolved. All proof is attached below : This isn't my debt, when I reached out to them on XX/XX/22 ( CFPB Compliant XXXX ), XX/XX/22 and XX/XX/22 ( Via Mail ) still never received the debt validation, only XXXX bills. That's not a debt validation. 

Then on XX/XX/22 they stated that they ask for removal until validation. You'll find that my credit report is now reporting 2 debts by this company. As I've attached both mailing slips of me reaching out to this company directly. I have my paper trail. 


I want my XXXX form that I signed confirming this is my debt. My XXXX right has been violated. I want this collection removed right away. 

If this debt isn't removed from my credit report immediately, I will file a lawsuit. As I've given you 2 months to provide this information.
Product: Debt collection

this company says it is a collection agency I have never done business with this company no ever had a contract are anything with them they are harassing me I would like for them to leave me alone this company say I owe them XXXX yet I have never heard of them and they also that they are a debt collection agency I have never done any business what so ever with this company and have never heard of them I believe they are an illegal company its against the law to put a collection on a persons account with out contacting them 30 days prior and in do n't no this place are who ever they say they are remove this from my credit report all 3 major reporting agency. called no answer phone ring then go busy.
Product: Debt collection

The company response does not meet requirements of validation. I have requested validation of debt ownership of account and not replied with validation requested.The dates being reported on credit report.Although company is stating they have purchased the account, that litigates and agreement between them and the third party not me and Midland Credit Management. Theres no contract nor agreement which I have repeatedly requested and I am not applicable by law to make any payments to them as I have no knowledge of the account and am positive of no contract existing between me and Midland Credit Management nor how they have violated my right to privacy by obtaining my information by way of identity theft. Furthermore they do not have a right to report such erroneous information on my credit report.So if this is not removed from my credit report at once I will proceed further legal action of my own! I would like the reporting of this account to cease and desist immediately!
Product: Payday loan, title loan, personal loan, or advance loan

So I applied for a personal loan with XXXXXXXX XXXX  XXXX 2024 and was denied I told XXXX XXXX I have the right to my credit withholding my access to my securities which is security fraud and they are violating the equal credit opportunity act and consumer credit protection act I told XXXX XXXX if they are denying me access to my credit which is discrimination to retract my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 SENT CERTIFIED MAIL TO UNITED UATO CREDIT ( XXXX ) SIGNED FOR BY XXXX XXXX ON XX/XX/2022. REQUESTING DEBT VALIDATION LETTER XX/XX/2022 UNITED AUTO CREDIT RESPONDED TO THE DEBT VALIDATION, PROVIDED INFORMATION THAT DOES NOT MATCH REPORTED INFORMATION ON MY CREDIT REPORT. 

THE DISCREPANCIES INCLUDE, DATES OF CHARGE OFF, CONTINUED REPORTING ON CREDIT REPORT INACCURATED DATES AND AMOUNTS THAT THEY ARE ATTEMPTING TO COLLECT ON. 

ON THE CREIT REPORT THEY ARE REPORTING CLOSED, WITH ANOTHER BALANCE THAT IS NOT SHOWN ON THEIR VALIDATION INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my transunion credit report it is reporting that my XXXX account is an adverse account yet the pay status shows : Current : paid or paying as agreed. I have disputed this many times and it has been corrected with XXXX and the account shows as a positive account on my credit report. Transunion sent me a copy of the results from the investigation and it is still reporting as adverse with 1 late payment back in XX/XX/2017. I have contacted the creditor about this issue and was told to dispute it and they will respond that the account is current and always has been. There was a discrepency at that time with payments I had made to the account but it has been rectified since then and determined that the account has never been paid late. I am furious that this is ongoing and still has not been corrected. If XXXX was able to resolve the issue and put the account under accounts that are satisfactory then why is transunion still not fixing this problem? It makes no sense because the status is a positive one so it should not be listed under accounts that are potentially negative.
Product: Credit card

Back in XXXX of XXXX I went to a Victoria 's Secret store to pay my balance in full on their credit card. I asked the store clerk to let me know how much money I owed, and I was given an amount. To make sure it was the full amount, I had the clerk triple check the balance was the full amount. After she gave me the balance amount, I paid it off. After that, I never used my card again. 

Sometime after I paid off my card, I found out that the Victoria 's Secret account balance was over {$400.00}, and it was a charged-off account! I spoke with Commenity Bank who is the issuer of the XXXX XXXX XXXX credit card to figure out why there was a {$400.00} charge-off on my account. In all seriousness, I thought I had been a victim of fraud. Either someone took my card info and used it to purchase clothing, or the store clerk had taken my money and never really paid off the balance on what I owed. My mind was racing. 
It turns out, the truth was much simpler and more unbelievable. 

Commenity bank told me that I had in fact paid off my card on XX/XX/XXXX of XXXX, and that the balance was at {$0.00} when I did, but that at the end of the billing cycle, they had charged me {$2.00} of interest. I couldn't believe it. I asked them why they would charge me interest after the balance was fully paid off, and they never gave me a good explanation. Those {$2.00} in interest which were added to my card balance weeks AFTER I had paid them in full then eventually became {$400.00} due to late fees and penalties. I fought with Commenity Bank for months and never got anywhere with them. They refused to fix anything and said it was all my fault. 

I'm not perfect and I know I don't have perfect credit. I have had many situations in my life where I have had to struggle financially over the years and my credit suffers due to it. Therefore, I won't pretend like this is the end of the world for me. What I will say, however, is that me causing damage to my credit is one thing, but a creditor causing damage to my credit for their terrible billing practices is another. You can't charge someone interest weeks after the balance on the card has been paid in full. To do so is predatory. And in the end, damaging my credit further for their mistake is still a harm to me. This particular harm cost me XXXX points from when I had paid my card in full, and when they started reporting multiple late payments on my report.

Please get them to remove this account from my credit report and remove the balance on it. I know that if this balance remains, they will eventually sell this debt and then I'll have a collection on my credit report for something I don't owe which will cause even more damage.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX : {$0.00} Late/Closed XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$0.00} Collection XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$140000.00} XXXX XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX XXXX : {$0.00} Late/Closed XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$140000.00} XXXX XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Late/Open XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$140000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Late/Open XXXX C XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX