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

On XX/XX/2021 I was sent a letter from XXXX  XXXX XXXX advising that my account was paid off due to my auto insurance company XXXX paying the balance of XXXX in full and I owed XXXX. This account is still reporting to my credit report in error and violating the fair credit reporting act The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the XXXX. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The XXXX and Accurate Credit Transactions Act added many provisions to this XXXX primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Credit reporting or other personal consumer reports

Experian does not properly investigate when I submit a dispute. The public record that is on my report Experian says they have verified but they still have not sent me documentation to how they verified with the original furnisher. I have requested this many many times. There are accounts listed on my consumer report as charged off when they are not charged off and Experian has failed to correct the reporting. Experian keeps saying account is verified. How can an account be charged off for in XXXX and XXXX but on time in XXXX, XXXX, XXXX, XXXX etc Experian needs to correct the reporting on my consumer report.
Product: Debt collection

I contacted XXXX XXXX to commence services with them and was told that my monthly bill for two years would be around {$55.00} per month. At the end of the first year, I received word that it would be doubling. When I called to inquire about it, one of the " customer service representatives '' told me not to worry about it, but she would lock in the first year 's amount for the second year. This did not happen. I tried multiple times to work with XXXX XXXX, but to no good end. So, I cancelled my service and I was told that I had to pay them several hundred dollars for the remainder of the contract. I told them I would continue to pay my monthly bill until it was paid in full and throughout the remainder of the contract. They told me they would turn my bill over to a debt collector. Today, I received the attached document in the mail from Credence. I tried to tell the gentleman that I would continue to pay on the bill until it was paid in full. He said, " We don't have that much time. '' I am able to pay them {$44.00} for the next four months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to Equifax regarding this account XXXX  XXXX, reporting inaccuracies since this account has already been paid and according to Equifax 's comment on my credit report. I'm assuming they did not update the account status since 2021. This item caused serious harm to my ability to establish credit & reasonable interest rates, but also to my character as a Professional and as an individual.

15 U.S. Code 1681i - Procedure in case of disputed accuracy : conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer. 
I sincerely appreciate your time and assistance in this matter and hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, XXXX XXXX, and ABLTY RECVRY ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and ABLTY RECVRY ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

Hello, I have automatic payments set up on my Discover card for the minimum monthly payment. I know when I set up the payments, I was advised that if I make the payment prior to the payment coming out automatically then it would not go through. I like to make my payments in advance if I can so that it's withdrawn sooner. However, I was not sure of how far in advance the payment needed to be made so that a duplicate payment is not withdrawn, so I contacted them by phone to confirm. Long story short, after speaking to two representatives to confirm it would not be withdrawn, both payments were withdrawn from my account and caused my account to go into the negative. I called for a resolution and the only resolution I was provided with was we can refund the payment once it's posted. I asked if my credit card account could be credited with any fees I receive from my financial institution and my question was not addressed. I asked if the payment can be pushed to the following due date and the question was not addressed. I asked if they could provide me the funds to cover my fees and I was told the only thing they can offer is to refund the payment. This was a BIG error on their part, and I do not feel they attempted to assist me with all possible options. They were able to offer and credit my account {$40.00} to set up the auto pay but they could not push out my payment and offer a credit in the amount of my fees from my financial institution. Below are the dates and summary of the events : XX/XX/21 approx. XXXX : Spoke with a representative to confirm my payment would not be withdrawn twice. The representative stated that if I made a payment that day I would be in the clear and an additional payment would not be withdrawn. As a matter of fact, she offered to take the payment, so I made the payment by phone with her. 

XX/XX/21 : I checked to see if the payment was withdrawn. It was not so I checked the Discover account online. I saw the payment pending along with my automatic payment, so I contacted Discover again via chat. 

XX/XX/21 @ XXXX : Spoke with representative via chat and he also confirmed my payment would only go through once. 

XX/XX/21 @ XXXX : I reached out again to advise the payment is being withdrawn twice and I need to stop it while it was pending on my account. She advised me that it could not be stopped, and she could only issue a refund once it's posted which could take up to 7 days. 

This last chat went on for about an hour but to sum it up, even though it was an error on their part, they were only able to provide me with the option of a refund after, the damage was done, and the payment was withdrawn twice. Even after I provided and asked for other options, not to mention calling beforehand to prevent this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ran my credit 7 times on XX/XX/2017. I tried disputing this through the credit bureaus. They each told me that I need to speak with the creditor. I contacted each individual company that ran my credit on XXXX, they all stated that XXXX XXXX XXXX ran the report in order to apply for the best rate for a car. I emailed the general manager of XXXX XXXX  XXXX. He stated the application was submitted online. He could not provide me with an electronic signature. I demand these inquiries be removed from my reports.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against LexisNexis for reporting inaccurate information on my credit report and demand that LexisNexis immediately cease and desist from reporting any information about me. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623 ( 15 U.S. Code 1681i and 1681s-2 ), credit reporting agencies and information furnishers are required to ensure the accuracy and integrity of the data they report. LexisNexis has failed to meet these legal obligations, which has caused significant harm to my credit standing. I request that the CFPB take immediate action to enforce my rights under federal law and require LexisNexis to cease all reporting of my information.
Product: Credit card

Synchrony Financial Services has arbitrarily and improperly reduced credit limits of several of my store cards. These actions are unwarranted and were done in retribution because of my previous complaints for improper late fees and finance charges. 

See CFPB Complaints # XXXX and # XXXX. 

Credit limits and credit scores are directly linked. Credit scores reduced because of disputed accounts, etc., are often ( as in my case ) eventually resolved in my favor. Yet those temporary score reductions too often trigger card issuers ' " risk analysis '' software to reduce credit limits. Those reduced credit limits in turn cause an increase in % of credit used and a decrease in % available credit- which then substantially reduce the credit scores even further. This uncontrolled chain reaction itself has nothing to do with my actual creditworthiness, yet it unfairly penalizes me, causing substantial financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I disputed inaccurate information on my Equifax credit report twice in  XX/XX/XXXX  ( confirmation #  XXXX   ) a nd  XX/XX/XXXX  ( confirmation #  XXXX   ). It  was about unauthorized hard inquiries. I asked Equifax to provide a verifiable proof I consented to these inquiries via FCRA se ction 609 and 605 as well as the accuracy of them via FCRA section 623. I asked them if they have no proof of any or one, I would like these inquiries to be removed immediately. I received the results from Eq uifax and they didnt provide me with such proof and kept reporting those hard inquiries as inaccurate information. According to FCRA the following hard inquiries should be removed immediately : Creditor Name :   XXXX   XXXX   Date :  XX/XX/XXXX  Creditor Name :   XXXX   XXXX   Date :  XX/XX/XXXX  Creditor Name :   XXXX   XXXX   XXXX    Date :  XX/XX/XXXX  Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Consumer Loan

The BMW auto lease we tired to pay off the loan however they refused to take the last XXXX payments. We requested validation from BMW and they only sent a form letter.
Product: Bank account or service

On XXXX/XXXX/2015 I received ACH transfer of {$7200.00} directly into my checking account XXXX into my Wells Fargo checking account. These were good funds. As of XXXX/XXXX/2015 these were my exclusive funds. No other issues with any aspect of said account. On XXXX/XXXX/2015, without any authorization from myself nor anyone in my behalf, notice, request, information, advance or post discussion or letter, call to me Wells Fargo debited my account with the same amount of {$7200.00} and claims to have returned to the original depositor. I have requested multiple times an explanation if such debit was for any specific valid legal reason, or court order, etc, but received no explanation from Well Fargo. Since these funds were exclusively mine after XXXX/XXXX/2015 no one else had the right the debit my account for such or any other sum.
Product: Mortgage

LoanCare is reporting I was 30 days late on my mortgage in XXXX XXXX and was sent to the bureaus on or about XXXX. I pay every month, and pay extra nearly every month as safe measure so that my credit is preserved. A senior representative named XXXX ( XXXX ) had told me over the phone on XXXX XXXX that no lates would be reported. On XXXX XXXX, I had received word that XXXX30 day lates were being reported on this account. On XXXX, I spoke with XXXX XXXX and she was unwilling to begin the process of removing all derogatories from being reported, and felt the reporting was accurate and valid. She claims that the note requires I pay each month in full. Since XXXX was short of the full payment, they held this money 'in suspense ' and reported I did n't pay. So they held onto my money and did n't apply any of it to my mortgage upon receipt. Here are the terms stated in paragraph XXXX of my note ( Payments ) : 1 ) " I will pay principal and interest by making a payment every month '' & lt ; I DID THIS & gt ;. 2 ) " I will make my monthly payments on the first day of each month beginning on XX/XX/XXXX '' & lt ; payment is always received between the XXXX and the XXXX, and never 30 days late & gt ;. 3 ) " I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on XXXX XXXX, XXXX, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the " Maturity Date. '' '' & lt ; in compliance to-date & gt ;. 4 ) " Each of my initial monthly payments will be in the amount of U.S. {$960.00} '' & lt ; I always pay over that amount & gt ;. 

So, the note terms have been met, but they are unwilling to change how my monthly overages are applied, as well as apply money that 's been sitting in 'suspense '. This is a violation of my Fair Lending rights and the rights of others whom they have extended credit. 

There was one incident which may have provoked this. I changed banking institutions that month for my personal checking account. Through online bill pay, I requested XXXX of XXXX payments to go out in the amount of {$1000.00}. XXXX XXXX XXXX XXXX sent the check out from their warehouse to LoanCare. LoanCare made ONE ATTEMPT ( verified by the credit union ) to deposit this check and it was denied by the credit union. The credit union admitted they made a mistake, but did n't know why a XXXX or XXXX attempt was not made. Attached, is a letter from them stating their error. Even so, I 'm still in compliance to this note. If extra monies made each month were made in whole or part to escrow, I should also still have more than the minimum required in there, too.
Product: Vehicle loan or lease

I purchased my XXXX XXXXXXXX XXXX on XX/XX/year>. My first payment of {$650.00} was not due until XX/XX/XXXX as stated in my contract. I made an advanced payment on XX/XX/XXXX of {$650.00}. {$210.00} went towards finance charges and {$430.00} went towards the principal. I was told Id be paying {$210.00} to finance charges each month which was verified by a customer rep. 

I then made an advanced {$470.00} payment on XX/XX/XXXX. That entire payment of {$470.00} went all to finance charges and nothing to the principal. I called several times to have the {$430.00} allocated towards the principal. On XX/XX/XXXX {$0.00} were allocated. I called again for reallocations but nothing was reallocated ( I was told by a customer rep that the request was not put in by the previous rep I spoke with ). I put in another request for reallocation of the {$430.00}, & again on XX/XX/XXXX {$0.00} was reallocated. 

I had a balance of {$210.00} Due for the month of XXXX, and I paid another {$430.00} on XX/XX/XXXX. That {$470.00} payment also all went to finance charges as well. I called to get those charges reallocated as well. Since then none of the ( 2 ) {$430.00} payments have been reallocated to the principal. And I am now receiving calls and messages saying that I am late and past due on my payment when that is not the case. 
In total I have paid {$650.00} XX/XX/XXXX ( My payment wasnt due until XX/XX/XXXX ) {$430.00} XX/XX/XXXX {$430.00} XX/XX/XXXX The allocation has still not been resolved and needs to be resolved. All of my payments after the first initial payment are going strictly towards finance charges and none towards the principal & Ally is claiming I have not made any payments and I am behind. The company has refused to allocate funds although verified by a customer rep that I only pay {$210.00} of interest each month. 

I called -Customer Service XX/XX/XXXX 3 times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX -Collections ( I was auto transferred here due to them saying I havent made a payment ) XX/XX/XXXX ( Supervisor was suppose to call me XX/XX/XXXX, Supervisor did not call. ) & XX/XX/XXXX 2 times In summary, despite making multiple advanced payments on my 2024 XXXX XXXX loan, Ally Bank has failed to properly allocate my funds toward the principal balance. I have paid a total of around {$1500.00}, around {$1000.00} of these funds have only been applied to finance charges instead of reducing the principal, as they should have been. I've called customer service multiple times, and despite reassurances and requests for reallocation, none of the payments have been properly adjusted. Now, I am being inaccurately reported as late on my payments. I am requesting immediate resolution of these allocation errors and accurate adjustment of my loan balance, including the proper application of my payments to the principal as confirmed by customer representatives.
Product: Credit card

Kohl 's switched their store card to a Capital One credit card. Kohl 's issued my final " store card '' statement on XX/XX/2025. According to the statement, I had a minimum payment of {$29.00} due by XX/XX/2025. On that day ( XX/XX/2025 ), I submitted a payment of {$50.00}. Both Kohl 's and Capital one recorded this payment. 

On XX/XX/2025, Capital One notified me via email that my payment was past due and charged a {$29.00} Late fee. 

On XX/XX/2025, I called Kohl's/Capital One to tell them of the error. However, they would not investigate or address the clerical error in their system. Instead, they force you to ask them to remove the late fee from your account. If you don't explicitly ask that, they will not take action. They also forced me to make another payment on my account, because it was still showing as " past due ''. 

This is predatory and manipulative behavior so I felt obligated to report it.
Product: Money transfer, virtual currency, or money service

I wanted to buy an XXXX series x for my little brother through XXXX marketplace on XX/XX/year>. I payed {$250.00} as the guy said it was a good deal and he said he would ship the item also since he lives in another area and he told me to send him {$250.00} through cash app to get it shipped right away. He right away blocked me and his cash app is $ XXXX, and his XXXX name is XXXX XXXX. He basically scammed me and over the week tried disputing the charge with my bank and they couldnt do it since cash app is direct deposit and also tried getting help from XXXX but they kept saying contact cash app and well cash app doesnt care about its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted XXXX, Experian, and XXXX about removing the alleged medical debt under {$500.00}. However, each agency has not done so and refuses to. On top of this issue, two out of the three providers locked me out of my account after my formal request. Please let me know how I can remove these debts and also please hold these companies accountable for their lack of service. Please see what information I was able to access after numerous attempts to contactact/dispute this information. 

Account Number : XXXX Ballance : {$100.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$3.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$44.00} Alleged Date Opened : XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I notice several accounts that Synchrony Bank is reporting without obtaining my written consent. The following accounts did not had a certified document explicitly stating the permissible purpose for obtaining or using my consumer report : XXXX 's account ending in XXXX, XXXX XXXX XXXX account ending in XXXX, and XXXX XXXX account ending in XXXX. The FCRAs permissible purpose provisions are thus central to the statutes protection of consumer privacy. Consumers suffer harm when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have included an advisory opinion from the Consumer Financial Protection Bureau, which outlines specific obligations for consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ).
Product: Student loan

I never had an account with Citibank for student loans. There was someone else that opened up accounts in my name and I did not receive any benefits from the loans. None of the money went to my college, for my degree. Now, Citibank keeps bothering me and taking me to court. This is embarrassing because they keep sending court documents to my job. They froze my bank account XX/XX/XXXX to XX/XX/2016- when I had the issue resolved in court. They froze my account again on XX/XX/2016. They will not answer my calls, emails or fax. The only time I was finally able to talk to someone XX/XX/XXXX, the woman cursed me out and hung up on me. I never had an account with them and they keep making up this this {$10000.00} plus amount. I have sent several letters to them via mail, fax and email and they will not respond. I can not take care of me and my baby because they keep freezing my account, whenever they feel like it. This account is not even on any of my credit reports and I check several times a month. They refuse to tell me how I received this balance. They are very rude. They sent this issue over to XXXX XXXX attorneys. I am very upset about this issue.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX