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

" " '' I have disputed this collection XXXX XXXX for months.XXXX  and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Payday loan, title loan, personal loan, or advance loan

I had a loan with Affirm for an item purchased, the loan would be paid in installments amounting in XXXX $ a month. The original loan amount was XXXX the finance charge cost of borrowing was XXXX based on a 12 month repayment schedule, the total amount expected to be paid over 12 months was XXXX loan + finance charge. Payments made by myself were XXXX $ on XX/XX/XXXX then, I paid the remaining balance principal in full on XX/XX/XXXX, meaning I only used the loan for 2 months instead of XXXX. Since I used the loan for 2 months, the lender is only entitled to the finance charge for that time. The finance charge for 2 months is approximately XXXX $ prorated from XXXX. Leaving the unearned portion of the finance charge for the remaining XXXX months is approximately XXXX, which rightfully the lender should refund to me. I have already paid the principal and the lender has earned XXXX in finance charges. The lender is claiming I still owe them XXXX XXXX I have spoken with the lender several times with no result. I have requested they show a break down of how they arrived at a XXXX $ balance clarifying why the unearned finance charge has not been refunded. It states directly on their page as well as my loan agreement that prepay is entitled to a full refund on interest charges and is acceptable. However they have declined that stating I Still owe them XXXX $ without justification.
Product: Debt collection

I have been getting robo calls from Navient every day for past two weeks. Computer voice is asking for XXXX XXXX to call XXXX or go on line with Navient.com to fix or check account. There is no email address listed for Navient and all calls come in after company is closed so trying to respond to them goes to voice mail with no option of leaving a message. Obviously, a false account was made using my landline #.
Product: Money transfer, virtual currency, or money service

On  XXXX   XXXX ,  2017  I was hired by  XXXX   XXXX  and given an employment offer letter. I was hired by a  XXXX   XXXX   XXXX  who then instructed me that I would be training for a week and that I need to purchase software and a time tracker in order to go forward with the training. He also informed me that I would need a laptop and that if I did not have  one  that  XXXX  would provide one for me. Towards the end of the hiring interview,  XXXX   XXXX  told me that a check would be issued to me for the purchase of the software I would need. I received the check  (  {$2900.00 } )  and was instructed to deposit it and once it had cleared I was to send the money to the vendor to purchase the software and time tracker. The first check was not sufficient to pay for the laptop also, so another check  (  {$4800.00} ) was issued and sent for that purchase 2 days later. I was instructed to deposit that amount into the vendor 's account via   XXXX   XXXX   XXXX   XXXX  and informed that my laptop, various softwares and timer would arrive by the following monday. On Monday I received a third check for {$12000.00}. At this point I became suspicious because I had not received any working/training materials and was being asked to deposit another check to purchase a different set of equipment. It was at this point, I went to the bank manager and after some investigation she determined the check was fraudulent. My bank then contacted the bank of the issued check and they confirmed the check was not a real check. At this point, the monies for the first   XXXX  chec ks was withdrawn from my account by my bank because they were deemed to ba fake as well.   Now, I have lost {$ 7700.00} ( {$2900.00} + {$4800.00} ) due to this fraud/scam and Wells Fargo (  my bank ) will not reimburse or credit my account and my account is now negative with a negative {$3100.00} balance. I have everything documented. I have printed out the entire conversation between myself and  XXXX   XXXX  as well as all company documents i received.   I would like to be reimbursed either by  Wells Fargo  or  XXXX  as both of these companies should have been more diligent and responsible in handling these checks and making sure that I was not scammed out of my money . Wells Fargo no t only did not inform me that the firs t  XXXX  che cks were fake, but they actually cleared the checks and credited my account with those funds and then took them out of my account after I blew the whistle on the third check. Now i have a $  XXXX  balance.  XXXX  should be more diligent than allowing scammers to have access to their letterheads, documents etc that were used to scam me.
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy in XXXX XXXX XXXX There were 5 credit cards total. I was never late on any of the payments. The credit bureaus show 4 30 day late payments and 4 60 day late payments. They have been disputed several times and not removed. 
I filed before the payments were due. Please have them by law on each bureau remove all 4 30 and 60 day late payments. Its seems one of the credit card companies did this in spite, due to the bankruptcy, which is illegal by law.
Product: Student loan

In XX/XX/XXXX I was notified I was in default despite being set up through their online system to make automatic payments on the balance shown. They notified me that not ALL of my payments would display if they were not up for repayment or in default. I made a XXXX payment to bring my accounts up to date on XX/XX/XXXX. I continued paying on time through auto payments up until present day. However, inXX/XX/XXXX I was notified again of being in default through a credit report. I called and they notified me I was in default and reported to credit agencies and was late on {$16000.00}. To bring it up to date I would need to make that payment. This amount due was not shown when I log into their system to review my balances, their online system not only did not include these loans but shown that all of my payments were received, on time and current. Further, I never received any mail that indicated there were other balances or I was late. Lastly, XXXX XXXX has failed to update any of the credit bureaus with accurate payment history since XX/XX/XXXX despite making full and timely payments. This has resulted in losing 200 credits on my score making it impossible for me to qualify for a home loan, credit cards, and business credit. This is the ONLY negative on my credit score and they are ALL coming from the lack of accurate reporting of XXXX XXXX. There were times prior to XX/XX/XXXX that I had been late but after finding financial security I have been diligent about making full and timely payments but have not seen any updates reported to credit bureaus. However the inaccurate and incomplete documentation by XXXX XXXX has also made it impossible for me to organize, plan, and monitor the payoff of my loans.

I have attached a full payment history as well as a screenshot of what I see when I log into my account showing a XXXX dollar balance due.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I had a medical procedure done in XXXX. I payed a co-pay of roughly {$300.00} at the time and was initially advised that I would only owe the remainder of my deductible ; which was {$900.00} additional. After the procedure my insurance company sends a bill saying that I owed around {$2500.00}. I called the hospital billing department and the insurance company to verify and after a few back and forths the Hospital 's billing department advised that I would actually owe nothing and to disregard the bill. 

Fast Forward to XX/XX/XXXX I receive a notification from XXXX XXXX  of a derogatory mark on my credit report. ( At this time my score is around XXXX as I have been managing my bills and credit very well. ) My credit immediately drops down 20 or so points before coming back up within a month. I file a dispute as I'm unsure why this bill from the hospital is on my report as I had not received a notice from the collection agency. I reach out to the credit agency and they advise me that they sent a notice in XXXX of XXXX and attempted to reach me via my mobile number but I never received any communications from them. I asked them to provide proof that they had attempted to contact me but they never provided it. ( See Recording XXXX ) This derogatory mark caused me to be denied for a home equity loan as I had put in my application in XXXX right after the credit report was updated. I have since paid the debt. I feel as though this company use a predatory tactic in order to force me to pay a debt that I was never even aware of owing. Instead of using standard procedures and contacting me with a notice they chose to wait the required time, then file my dept with the credit reporting agency. 

This tactic has caused a severe hardship for me and my family as I was not able to gain access to my home equity. We planned to purchase a rental property and fix up our basement to allow us to rent out the space to guest ; ultimately helping us combat the economic downturn and build additional wealth for our family.
Product: Bank account or service

Its a small amount but it 's affecting me big.In the past I did n't understand the importance of having a bank account which lead me to get into debt. i learned and Wellsfargo gave me a second chance account a strict account with very few capabilities ie, no ATM deposit, no daily withdrawal limit at {$200.00}, ECT. Over time slowly gained more capabilities 3yrs not onevOver draft then out of the blue I have an overdraft of {$350.00} dollars. And I had overdraft protection on my account I can track spending step by step but the bank is telling me that funds were n't there or I spent funds before they got deposited impossible and if I 'm paying a monthly service fee of {$10.00} how was transactios approved then they tried to tell me I never had but that was one of the stipulations of having a opportunity account then they said it got taken away when I became eligible for standard checking and savings account never notified bout this deletion of service.do now I do n't have an account and I owe the bank for money that I actually had in the bank. 
I do n't have bank statement or access to obtain online but it was s joint account other applicant was XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is inaccurately and illegally reporting to my consumer report Under : 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries appearing on my credit report. I am a victim of identity theft, and these inquiries were made without my knowledge or authorization. Below is a list of the inquiries in question : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries have caused significant harm to my credit profile and personal peace of mind. In accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B, I am requesting the immediate removal of these unauthorized inquiries from my credit report.

I am exercising my rights under Section 605B of the FCRA. You are legally required to block and remove all inaccurate and unauthorized information stemming from identity theft immediately upon receiving this notice. Failing to act in accordance with federal law could result in legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies XXXX XXXX Equifax, XXXX XXXX and the Creditors ( Bankruptcy Chapter XXXX, XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I was at the park for thanksgiving and let someone XXXX dont know borrow my phone because theres was dead and so he went on my Bank of America account signed in. Send money to a phone number, and they were able to access it because when I handed my phone he saw my password to my phone me not thinking much of it and having a simple password and so you can just enter password to closed apps and you get access to it so he transferred {$180.00} to another account and Bank of America said they couldnt do anything about it. They didnt have enough information and the man and again I told them I had never met him I just trusted a stranger with my phone and my emails and messages were deleted with the codes I didnt see till a week after I deposited money I noticed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX Account Number XXXX, Account Name XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXXXXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXXXXXX Account Number XXXX Account XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX BANK Account Number XXXX Account XXXX XXXX XXXX Account Number XXXX Account XXXX XXXXXXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX has violated my rights. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute with Experian regarding an incorrect late payment reported on XX/XX/XXXX from XXXX XXXX XXXX. I provided proof of payment from the creditor with a confirmation number. The dispute was not investigated and the incorrect information remains on my credit report.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX MA XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX XXXX XXXX I XXXX received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor. 
1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Equifax a certified letter in which it showed it was received on the 12th outlining how Equifax violated my rights as a consumer under 15 USC 1681. On top of violating my rights Equifax also failed to respond within 30 days. I am just now receiving an update and response to my letter on XX/XX/XXXX. The subsections Equifax violated are as follows : 15 USC 1681- ( a ) ( 1 ) 15 USC 1681- ( a ) ( 2 ) 15 USC 1681-a ( 3 ) 15 USC 1681-a ( 4 ) 15 USC 1681b.2 This situation has been very frustrating and the reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to verify account status on the account with XXXX XXXX from XX/XX/- XX/XX/XXXX. The accounts was first 30 days past due in XX/XX/ and therefore is too old to be on my credit report. Equifax has not obtained payment status before XX/XX/ on this account from XXXX and therefore that information has not been verified. This item MUST be removed under the laws of the FCRA. Failure to obtain the account payment status for XXXX on this account will be a direct violation of the FCRA and will subject Equifax to fines and litigation
Product: Credit card or prepaid card

I have been attempting to work with The Home Depot/Citi Bank N.A. since 2018 to remove fraudulent charges in the amount of {$2100.00} that were made in XX/XX/2018 on my Home Depot consumer credit card. 

When I first reported the fraudulent charges in 2018, the charges were immediately removed from my account. Because the fraudulent charges were removed, I did not think it would be necessary for me to take any further action. The charges reappeared on my account sometime later. 

Since then, I have completed and returned their Declaration of Unauthorized Use form along with a police report to Citibank , N.A . On several occasions, I have spoken with the fraud department and various Investigators in attempts to have the fraudulent charges removed from my account. 

To date, The Home Depot/Citi Bank N.A. has not removed the fraudulent charges from my account. I have been making monthly payments on my account to avoid negative credit reporting effects. At this point The Home Depot/Citi Bank N.A. owes me for the payments I have made on the fraudulent charges.

Why did The Home Depot/Citi Bank N.A. not perform their due diligence in the first place in order to protect my account from unauthorized use? I am requesting that the fraudulent charges be removed from my account immediately and that I be reimbursed for the payments I have made on the fraudulent charges.