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

In the beginning of XXXX I lost my job due to the COVID situation. I emailed Possible Finance explaining my dilemma. XXXX a representative from XXXX XXXX informed me that if I was impacted by COVID-19, we can extend your payment dates up to 60 days from your originally scheduled payment date. These payments will be reported as on time to the credit bureaus and will not accrue any a late fees. 
Things to consider : If your payments are already past our standard 29-day grace period, we will give you an additional 60 days to avoid any further damage to your credit report. However, please be aware that your current past-due status will still apply. 

You can always reach back out to us after the 60-day window if you still find yourself impacted by COVID-19. 

I made my first payment on XX/XX/XXXX, then on XX/XX/XXXX I reached out to Possible  Finance regarding my first payment and why my payment wasn't being accepted. My checking account and debit account was entered correctly, so there shouldn't have been any reason why my payment wasn't processed. And I never received a follow up regarding this matter. 
Every weeks XXXX  XXXX would automatically draft out my payment but for some reason their system would always reject my payment. Then I got laid off from my job in XXXX. I asked them if there's any help that I can get, and thats when they told me since I was in a 29 day grace period they will give me an additional 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX XXXX XXXX  XXXXXX/XX/XXXX
2.portfolio recovery $XXXXXX/XX/XXXX

inquries
1.XXXX XXXX
2.XXXX XXXX  
3.XXXX XXXX na
4.XXXX XXXX XXXX  na
5.XXXX XXXX 
6.XXXX
Product: Payday loan, title loan, personal loan, or advance loan

After recently reviewing my credit report I see 2 inquiries reading XXXX XXXX and OneMain Financial. I never gave OneMain Financial and The XXXX XXXX company permission to run my credit and would like to remove them off my credit report immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/year>, I sent two payments of {$1000.00} each from my Bank of America account via XXXX. Shortly after the transactions, I realized I had fallen victim to fraud. I immediately contacted Bank of America to stop the transfers, but I was informed that it was not possible to reverse or halt XXXX transactions once initiated. 
I then requested reimbursement for the fraudulent transactions, but the bank declined, stating there was no mechanism to recover the funds. I also asked the bank to investigate and take legal action against the recipient, as they have the account information of the party who received the funds. 
However, I was told that Bank of America does not prosecute individuals for fraud involving XXXX transactions. 
Given the recent lawsuits and scrutiny regarding XXXX XXXX against Bank of America I am seeking reimbursement for my losses and a fair resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing collection agencies to report inaccurate information. I called Equifax on XX/XX/2018 to discuss this problem because I've disputed false information several times in the past with no action taken by Equifax. I was told to dispute once again.
Product: Checking or savings account

I called and disputed some charges on my checking account with XXXX XXXXXXXX XXXX and was told I would receive a email. I received email stating following Re : Claim # XXXX for account ending in XXXX XXXX XXXX, We're investigating your disputed transaction ( s ). In the meantime, we deposited a temporary credit into your account on XX/XX/XXXX, for {$1700.00}. This money is immediately available, but may be removed as a result of our investigation. 

We'll also reimburse you for any related interest, finance charges and/or fees within one business day. This reimbursement will be reflected in your account transaction history and on your monthly statement. 

If your account is closed during the investigation, we reserve the right to reopen it to remove the temporary credit depending on the result of our investigation. If your account balance becomes negative because of this action, you'll be responsible for the balance. 

We may contact you if we need additional info and we'll be in touch with the outcome of our investigation. 


on XX/XX/XXXX I received a credit for {$210.00} and 4 credit of XXXX XXXX credit of XXXX interest paid back to my account. I have called Capital One Bank 4 times and have been given different information. Someone told me it was error and remaining funds would be credit 24 to 48 hours still didn't received so I called back and was placed on hold when I asked for manager for over 1hr and I waited until I couldn't wait any longer. I called again and was told my complaint would be escalated and they see the issue still no credit. I want my remaining funds deposit to my account and for Capital One Bank to get a better system in place as most of the employees are international and have no clue what they are doing. Capital One being such a big financial institution need better training.
Product: Debt collection

They use a number that spoofs someone from my state. It shows up as spam risk and I have told them to stop calling me. They are now harassing me. The most recent was XXXX at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My complaint filed on this actual platform, CFPB was not actually addressed. I asked for proof of validation. Proof of validation isn't just a response claiming the account is accurate by the original company that was named in the complaint. I am fully aware of inaccurate information pertaining to the information on my report. I am seeking A REAL INVESTIGATION into the information reported on my consumer report. It is my right according to the FCRA AND it is in fact chexsystems duty since they are the company reporting the information! I have brought to their attention that the reported information is incorrect! I don't even understand how my complaint was closed without anything other than a timeline of nonsense. Just a sham of an investigation into accuracy of the account reported. I'd like to see the name, address, phone and account information etc verified based on my personal information that is listed with chexsystems. I am not satisfied nor comfortable with a company giving only verbal confirmation that information is correct, complete and accurate. And it baffles me that a company as known and as dependent upon such as chexsystems negates their duty to actually report accurate information and thoroughly investigates a complaint by a consumer. 

U.S. Code 15 U.S.C. 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the XXXX  XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 
We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
Product: Credit card

I received an offer letter for a XXXX XXXX credit card through Bank of America which advertised 0 % interest on charges and balance transfers for 12 billing periods on balances incurred during the first 60 days. Bank of America charged me interest on my account at 21 %. The account was opened in XXXX, the statement with an interest charge was issued XX/XX/year>. 

I contacted Bank of America and they advised that the promotion I received is not associated with them and that no such offer exists. When you call the number on the offer letter, it takes you to a Bank of America call center. When you go to the website on the offer letter XXXX XXXX  ), it has Bank of America branding and links to Bank of America websites.
Product: Debt collection

Cavalry SPV I LLC has been illegally attempting to collect an alleged debt from me, including by sending letters and by filing a lawsuit in XXXX XXXX XXXX XXXX ( No. XXXX ), even though the debt is barred by the applicable Statute of Limitations. 

I have provided Cavalry 's attorney, XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX law firm, with a copy of the original contract, showing that the alleged debt is governed by a choice of law provision that makes State of Nevada law applicable to the contract at issue. Nevada Statute of Limitations ( SOL ) is XXXX years on credit cards ; however, the debt was approximately XXXX years old when Cavalry attempted to collect the debt by filing the lawsuit. 

XXXX XXXX, and thus Cavalry, has not responded to my email sent to him on XXXX XXXX, XXXX, asking him to dismiss the case with prejudice. Nor has the case been dismissed to date. In the email, I advised him that I had sent him a copy of the original contract, under separate cover by mail. I also provided him with information about how to access a XXXX copy of the contract using the CFPB Credit Card Agreement database. 

Exhibit A - Original XXXX contract from my records, showing Nevada choice of law provision on page XXXX ( APPLICABLE LAW ). 

Exhibit B - Copy of XXXX version of same contract from CFPB database, which also contains same provision. 

Exhibit C - Letter from XXXX showing that last payment on account was apx. XXXX years prior to the filing of the lawsuit. 

Exhibit D - Printout showing ongoing lawsuit, Cavalry SPV I LLC v. XXXX XXXX XXXX ( No. XXXX ) Exhibit E - Email to XXXX XXXX XXXX to which has not been any response to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have over XXXX variations of my name collectively. I have never used any other names to secure credit except my legal name. In the history of my credit my report should only reflect XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have not used any other names and would like to have my credit file updated. Within the XXXX months that name variation increased on my Transunion.
Product: Debt collection

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Letter to remove Inaccurate Credit Information {$230.00} Credence Resource Management XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX : : I'm herby requesting that you confirm the fact that I owe this debt from Credence Resource Management as required by any applicable state and federal law.

Delete Collections, Collections 15 U.S. code 1692 c 15 U.S code 1692 e ( B ) By the provisions of the reporting act ( FCRA ) remove from my credit report Section 609. Please remove any information that creditor can not verify 30 days receipt. 


Sincerely yours XXXX XXXX XXXX. 

XXXX
Product: Debt collection

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2020 with a balance of {$5700.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how XXXX XXXX has reported my account to the credit bureaus XXXX and Equifax. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. This company has several class-action lawsuits against it for predatory and immoral practices ( ex. XXXX XXXX. XXXX ). I believe I am a victim of such predatory practices, and demand this account to be removed immediately. Moreover, the account status have not been updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. XXXX XXXX has also reported inconsistent and inaccurate information to XXXX and Equifax regarding this account. Specifically, the account status is reported as " Paid as agreed '' on Equifax, and " Legally Paid for Less than the full balance '' on XXXX. Also, the last payment date is reported as XX/XX/24 on XXXX, and XX/XX/24 on Equifax.The account status is " Open '' on Equifax, yet " Closed '' on XXXX, and there are several other inconsistencies as well. XXXX has already removed the account due to these inaccuracies. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating XXXX XXXX  has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Inappropriate credit inquiry by XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022. A store clerk has solicited and signed me up for a credit card in promise of no credit score impact. My credit score has been affected immensely making it hard for near future home purchase or getting other loans. I have neither consented nor authorized a hard inquiry on my credit account. 

2. Inaccurate late reporting of loan that was in forbearance due financial hardship. 
The XXXX services loans are now consolidated into one and transferred into another services. I have previously tried to dispute the inaccurate reporting to XXXX and credit reporting agencies but no luck. I have been recommended by financial advisors to use the CFPB portal to get these late payment reports off my credit report. See attached initial letters to XXXX and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a settlement agreement with JP Morgan Chase through their third party debt collector XXXX, XXXX in the amount of {$3800.00} to settle the full debt of {$15000.00}. There is a current balance on my credit report for the difference,11,500, when the balance should be {$0.00} reflecting a settled account. I have attempted to dispute this three times with no success with XXXX. There is a XXXX day delay in payment granted by XXXX XXXX XXXX XXXX to pay the same amount for the account to be resolved ( letter states XX/XX/21, approved to pay on XX/XX/21 which was completed ). XXXX XXXX XXXX XXXX has resolved the account and showing a {$0.00} balance. JP Morgan Chase is reporting a balance of XXXX balance on my credit report.
Product: Debt collection

I rented an apartment from XXXX XXXX XXXX  in XXXX GA. The original name of the compass XXXX XXXX XXXX XXXX. About 3-4 months after I moved in my spouse asked me if I wanted to move in with them. So I went to the leasing office and asked if I could turn the lease over to someone else. I was advised that I could. What I was not told was it would be a sublease. I was told I would be free and clear from the lease. Hence why I moved out. It would also make since as to why I was never notified that the person that took the lease over never paid rent while he lived in place of me. I signed paperwork under the impression I would be singing the lease over. What they actually had me sign was a new SECOND lease stating that the new tenant actually moved in with me the same time I did. So I am on a lease by myself and on a lease with the man that was supposed to take over. He was not a roommate and I never lived their. It was a one bedroom apartment. They also created a lease that was signed that had completely made up information on it. When I moved in I moved in alone and I paid the security deposit on my own. Im a XXXX veteran. I also have a XXXX XXXX. I have 48 address on my credit report because I have not been able to get an apartment on my own and I have had to rent out rooms from strangers and friends. Ive lost jobs because of this and it has ruined my life. National credit systems has not been helping either. I asked to be put on a payment plan if it could come down off my credit and they denied me. Im not working right now and Im homeless again. I dont have XXXX to give anyone. Can you please help me. Im trying so hard to get my credit back together.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

The Thomas Agency has continued to report to the credit bureaus that I owe money on an account that is unknown to me. I have disputed this entry several times and they continue to report the the credit bureaus and its causing damage and costing me money and hardship.
Product: Bank account or service

I have been with First National Bank for 30 years. Over the years, there have been a half dozen times I have considered changing banks. Today I resolved to do so. In the latest incident, we deposited a check through the ATM on a Saturday ( XX/XX/XXXX ). Monday morning I checked and saw the deposit was pending. If I had gone in to the bank Monday morning to deposit the check, the funds would have been available that afternoon. As it was explained to me just now, because I deposited the funds through the ATM the previous Saturday, they did not give us credit for the money until Tuesday morning. XXXX or XXXX things that went through Monday afternoon/evening were counted as overdrafts even though there was money to cover them had we been credited with the check. Tuesday XX/XX/XXXX, I got an email about my account and within 10 minutes was at the bank with cash in hand to not only cover, ( because it was already covered by the check from the previous Saturday which had just gone through ) but enough to be nearly {$1000.00} to the good. They still charged me nearly {$200.00} in penalties and late fees. I was of course very upset but the most troubling thing was to come. The manager stood over me with his arms crossed, scowling and repeating the same ridiculously unfair deposit practice over and over as if I was a feeble minded child. At one point, as he remained standing and I sat, he leaned into me. I finally just decided it was not going to be fair regardless and the manager, who obviously held all the power in the situation, literally bullied me out of the bank. Horribly unjust, unfair and intimidating. If I have to pay fees, so be it but as a customer of First National Bank of PA for about 30 years, I did not deserve to be intimidated and bullied.
Product: Credit card or prepaid card

At approximately XXXX2019 from Synchorny Bank XXXX XXXX XXXX XXXX Fl. XXXX notified me thru my PayPal account about unverified charges on my account Mastercard ending in XXXX -in that a review to verify recent activity on my PayPal account- I called and talked with rep. she informed me that I had a third party phone that is not secure and unable to help me then asked for a cell phone number which I informed her that I live in a rural part of Oregon and poor reception and use the cell for going to town and such in the city 40+ miles away -- She informed me thatmy cell phone is also invalid and could not communicate to me the nature of the problem and would mail me a letter with a number on it to verify who I was-Strange when I call they have my number and social on file and address and cell number- I received-the new correspondence on or about the first of the Month I went to call the next day but the letter was misplaced- I finally found the Letter and called in on the XX/XX/XXXX and went thru the verify situation again phone number and SSI number again I was told number was 3 days over the limit and unable to talk to me -I finally got the person to issue a new number and used call waiting on my phone -Then it started all over again - I want to know if my account has been compromised and no answers! XXXX should I pay my bill they shut it down and won't let me communicate with them- I feel as though a big circle is evolving with little to no results! Please advise
Product: Credit reporting or other personal consumer reports

There has been a number of fruadulant inquiries on my personal credit report. I need these removed immediately. 

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 The law states any inaccurate information on my credit report needs to be removed immediately.