23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE ACCOUNT IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, ACCOUNT : XXXX  XXXX XXXX XXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to " lock '' my credit info with TransUnion, a service that they offer. I created an account with them on XXXX/XXXX/XXXX and tried to lock my info. Website reported it was unable to complete request and to try again later. I tried at least two more times on XXXX and twice today XXXX and got the same response. They provide no info on when their system will be able to lock credit info. I am concerned because of the XXXX breach. The other credit reporting companies ( XXXX, XXXX, even XXXX! ) were fairly easy to contact online to freeze credit info. BUT NOT TRANSUNION!
Product: Money transfer, virtual currency, or money service

After reporting immediately to Capital One I mistakenly said it was fraud but it is a scam. The phone people told me they were the Fraud Dept and to secure my account I needed to transfer {$400.00} to XXXX XXXX and he would in turn return it when my account was cleaned. I am XXXX XXXX XXXX and use this money for rent and Capital One did not return it because I sent the money. Of course I sent the money because the scammer told me it was necessary. i didn't realize I was scammed until it was completely over. I tried stopping the transaction. XXXX returned my money immediately and I don't know why Capital one will not give me back my money. I am on thin ice with my landloard.
Product: Credit card

CAPITAL ONE is in violation Fair Credit Reporting Act and Fair Debt Collection Practice Act. CAPITAL ONE continues post inaccurate information to my credit report after being notified by i the information is incorrect via notices and phone. 

CAPITAL ONE representative told i over the phone, CAPITAL ONE is unable to mail i any information about the account because the account has been noted with a cease and decease notice. But CAPITAL ONE is continuing to report my account delinquent ( XXXX, XXXX, & XXXX ), closed the account around XXXX, and reported the dispute resolved. Plus back dated/ posted old information to my credit report that was over ten years old. This is a major violation.
Product: Payday loan, title loan, or personal loan

I applied for a loan for Cashnet Usa online for the amount of {$200.00} on or about XX/XX/XXXX. The total amount due on this loan including interest and fees would be {$250.00}. I was contacted via phone by a representative of Cashnet Usa to complete the loan process and agree to terms and repayment conditions. I agreed to this and electronically signed all documents needed to complete the process, including a form to allow Cashnet Usa to automatically withdraw payment from my checking account. The money was deposited into my account on XX/XX/XXXX. I then decided to call Cashnet Usa to inquire about a different repayment plan because the XXXX holiday was near and I might not be able to repay in full on my next pay date, which was XX/XX/XXXX. The guy I spoke to asked me which state I was calling from. I told him I was in Texas. He then gave me the news I wanted to hear. I could repay the loan back over time in 4 installments. He gave me the details needed and I was relieved to know that I could have more freedom to repay. Then, on XX/XX/XXXX, Cashnet Usa withdrew {$51.00} out of my account. I felt relieved because I considered that my first installment payment. My account was charged {$52.00} on XX/XX/XXXX. A couple days later, I decided to log in to check my account balance and discovered that my loan had only been extended and not set up for the installment payment plan like the guy told me it would. The amount I owe was still {$250.00}. I called Cashnet Usa on XX/XX/XXXX and spoke with a lady named XXXX. XXXX informed me that no such arrangement had been made and that I had only extended my loan and the two payments I had made only went toward extension. I was XXXX. I then told XXXX I would like to repay Cashnet Usa back, but I wanted the automatic payments to be stopped. XXXX says that there's no way to stop the payments since I still owe them money. Isn't that unlawful? I requested Cashnet Usa not pull any more money from my account and was told they couldn't stop. XXXX then informs me that she can send me an email with the information that I need to begin making the installment payments I originally thought had already been agreed upon. While I was still on the phone with XXXX XXXX checked my email and there it was. I had to click a link and fill out a form to agree to 4 equal installment payments of {$64.00} which will be taken out of my account automatically on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. Even though I had already paid {$51.00} and {$52.00}, my balance due remained {$250.00}. This is a sham. After I completed and submitted the form, I called Cashnet Usa again to verify that the form had been received and those were the new terms to my loan. I was forwarded to the collections department and was reassured that the new terms were accepted. I am afraid that Cashnet Usa will take even more money from me at this point and dip into my bank account without my permission. I check the Cashnet Usa app and the online website, but found no information on how I can get them to stop the automatic payments on my account. They are clearly taking advantage of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters requesting a method of verification on XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 regarding them stating that the they validated the information on my credit report. I also provided them authorization for an additional investigation in which there were no results received. I would like for a valid method of verification that the invalid information is indeed mine that they have not removed from my credit report. If they are unable to provide the method if verification the information needs to be removed from my credit report. I also sent a demand letter requesting they provide the method of verification & correct the errors & nothing has been corrected.
Product: Credit card or prepaid card

Lot of nothing. The problem with the response is that I had an open claim, which doctors forms shown he was terminally. And I was told since I already have open claim that would transfer from XXXX to XXXX XXXX. I had an open claim that should have paid the card off because XXXX XXXX known that it was be death and was listed if over 12 month, it would pay off card.
Product: Credit reporting or other personal consumer reports

I would like to start off with an embarrassing misstatement of fact on a previously filed report with CFPB.I submitted the following report I provided the company XXXX with considerable information regarding lifting a credit freeze they have on my credit report, and they are still insisting that I send them my passport and driver license over the mail. I am reluctant to do this especially given their record on lapses. I have a above 8 credit score according to my bank and XXXX has already caused rejection of two credit cards because of their freeze. Some time ago I cancelled my account with XXXX, and possibly this is retaliation or a means for me to reopen my account. Given their history and my experience, I do not want them as a credit agency if closing an account. 
The company that may report concerns is Equifax not XXXX. If possible, I would like to amend my complaint toward Equifax not XXXX. XXXX did respond to the complaint that you made in my behalf. As a follow through They lifted a freeze on my account in the manner that I would expect to Equifax to do.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I recently discovered that my personal information was exposed in a data breach, resulting in inaccuracies and negative entries on my credit report. I am requesting that all incorrect or fraudulent items be removed promptly from my credit file within the 30-day dispute resolution period. 

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

I purchase a vehicle from Drive Time approximately 8 months ago. I have been paying on time and looking to refinance the vehicle. I had my credit pulled and I was told that Drive time has not reported my payments to the credit agencies. When I first purchased the vehicle I was told that by the manager that drive time will report my payments within 30 days of purchase. I contacted DT Credit Company and asked them what was the reason that they havnt reported my payment history. I was told by several employees that they had a new system and have not reported anyones payment history since XX/XX/XXXX or XX/XX/XXXX. I asked the manager how come no one has informed the customers that DT Credit Company was not reporting. The manager stated that he did n't have an answer. I told the manager that part of the contract of purchase stated that they will report to the credit agencies within 30 to 60 days. I informed him that if DT Credit Company had a system problem the customers should have been informed. I also asked him if there system was hacked and if my information was compromised and he could not and would not have a answer for that question. My issue is that DT Credit Company are not telling perspective buyers the truth about reporting to the credit agencies.
Product: Debt collection

I need your assistance please in having a fraudulent account removed from my credit before I take legal action. I have contacted Portfolio Recovery Associates for about 6 months now about an account I discovered on my credit. I have contacted them via certified mail 5 times because I wanted to have proof of receipt. They have received my dispute but have failed to get back to me in 30 days which is what is required by the FTC as it relates to the FCRA. I have actually waited 5 months and the account remain and they are responding to the credit bureaus but ignoring me. I was never contacted before the account was placed on my credit. 

Account Number XXXX
Product: Mortgage

I am extremely frustrated and annoyed with the way Citi Bank has been handling my case! This year has been extremely difficult and I am doing my best to actively get my settlement option under review! Prior to a settlement option I was looking to get reviewed for a modification and it was going nowhere. I am in the middle of child custody battle and child support battle. I have been hospitalized several times for my XXXX and even with lack of hours at work, no income and struggles, I continue to strive forward. I want to get back on track and I understand it 's one battle at a time. What I am getting irritated with is the fact that Citi Bank continues to purposely prolong this process. For two months I have been told my file has been send to escalations or another department for further review and no new updates. I have submitted the new documentation that was requested through my third party and they also continue to tell them the same update. NOTHING HAS BEEN DONE! I need an answer and some alleviation that at least this is taken care of. My third party authorization form was signed and submitted to Citi back in XX/XX/2016. And yet every time XXXX calls to get updates or request for further assistance they are being block! This issue was taken care of twice before and yet there 's no authorization on file. Citi was asked to which fax number and what location to send the adequate third party authorization and we did what we were told. This is another example of the negligence and lack of urgency from their end to come up with a solution. I want my file to get updated and IN ACTIVE REVIEW and for Citi to stop giving my third party a difficult time!
Product: Payday loan

I received a Speedy Cash Loan and tried to pay them off on XXXX/XXXX/2017. Their Website would not let me pay the loan off so I called them and their office was closed. I called the next day and they are charging me another interest fee on top of the one I already paid. when they should be taking into account that they just took an interest fee out.
Product: Mortgage

We received 2 refund checks out of escrow for unused funds. We also received notification that we could qualify for home financial aid payment though we had made all of our loan payments per the record online. We were concerned so we checked the county website on property taxes and it says that we are delinquent. Per our loan agreement the loan company is to pay the property taxes. I called Flagstar bank to let them know and ask why and they stated we did not have a parcel number yet. I called the county to check on this and they stated we did have a parcel number. I then emailed Flagstar to let them know the parcel number. I got an message sent back from the email that there was no attachment but explained to them that I had only provided the parcel number in the email. I then chatted them in late XXXX to check on it again and got a response that the tax team was aware and working on it. I could chat them to check on this. The taxes are now due XX/XX/year> with no payment on record and they are now transferring the loan. This issue is still not resolved and we will now have to try and resolve this with the new loan company.
Product: Credit reporting or other personal consumer reports

Account number XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX...XX/XX/XXXXand credit collection service XXXX and XXXX at set XX/XX/XXXXaccount XXXX with these accounts I've been trying to get them off my credit report for the last couple of XX/XX/XXXX years serious violation of my actual rights.. so I have sent certified letters to all the creditors and also I send picture documents to your place of to view that I have sent certified letters to all my creditors I would love for y'all to remove these accounts immediately
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXI Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX, I tried to pay majority of my car note. My car note is {$340.00}. I go through the WestLake Financial app to pay. I enter my debt card information, the system says there was an error and to try again. I enter the card information again and it says the payment was successful. I receive a email saying 2 withdrawals for the amount of {$300.00} was processed. I call the WestLake Financial customer service line and state I would like a refund for 1 of the {$300.00} payments. She says it will take 5-7 business days for me to receive a refund. Next, I contact my bank ( XXXX ) and asked for them to issue a temporary debit provisional until I receive the refund from Westlake. They issue the temporary provisional with no problem. The same week on the day of Friday the XXXX, I received the refund from WestLake. The following week, I go to pay the remaining balance of {$45.00} and the balance is now {$0.00}. The starting month of XXXX, I pay {$150.00} and it tells me the remaining balance is {$190.00}. The following week, I go to pay the remaining balance and it shows a balance of {$540.00}. I contact Westlake Financial to see what the issue was and was told I have a leftover balance of {$340.00} from XXXX. I tell the representative thats not right and that the whole payment was made already. The representative hangs up and I call several more times but no luck as most of the representatives barely speak English. Finally able get in touch with a representative who speaks somewhat better XXXX and he tells me XXXX reversed the payment on the XXXX of XXXX. He told me in order to make my account balance current, I would have to pay {$160.00}. After paying the {$160.00}, he says there shouldn't be any issues. Several more representatives from WestLake contacted me about making a payment and I Immediately asked to speak to a supervisor. He tells me his records doesn't show a payment being made besides the {$45.00} and he wouldn't be able to give me credit for {$300.00} and there was nothing he could do. He asked me to email WestLakes dispute department a copy of my bank transactions showing they took out two payments of {$300.00}. I email them the copy and I haven't heard anything back from them yet. I contacted XXXX and they state that their records doesn't show a reversal on the XXXX nor do they see an extra {$300.00} in my account showing from WestLake. As every single day goes by, they add on {$7.00} which has amassed {$400.00}. I have never missed a car payment for the couple months I have had this vehicle and don't wasn't this to mess up my credit because an error in the system.
Product: Credit reporting or other personal consumer reports

I have received a copy of my consumer reports, and I notice XXXX, Equifax, XXXX furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumer 's transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumer 's credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report 1. In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

FICO or none of its factors are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer ( ME ) and the Person XXXX XXXX XXXX XXXX ) is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or Vantage which makes their factors or algorithm not a factor where the consumer report is concerned. 
You have furnished transaction information on the following accounts. 

XXXX XXXX XXXX XXXX XXXX My account with XXXX XXXX was never late! This was clearly a billing error. This act is shameful, it has caused severe harm to my reputation, my character, my mode of living and to my family! I need the following late payments Deleted : XXXX XXXX XXXX XXXX XXXX  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. 
Delete the following late payments from my consumer reports ; List accounts here with late payments. 

XXXX XXXX XXXX XXXX XXXX