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

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX The above company is reporting an account on credit report that is not accurate and I have no knowledge of the account. Comenity/LandsEnd started reporting and account XX/XX/2022 with {$8200.00} limit with a $ XXXX balance with no payments. I have never opened this account and have always made payments on time 100 % of the time. Credit rating went from XXXX to XXXX. I work in finance and livelihood depends on maintaining my good credit rating. When disputed through XXXX only response received was Your account. Tried multiple times to dispute the account with XXXX themselves and try and get them to flag account however after countless calls waiting on hold for XXXX minutes to hours each time no one ever answers.
Product: Debt collection

XXXX XXXX XXXX XXXX, managed by XXXX XXXX has received a judgement against my home that I am attempting to sell as a short sale and the attorney representing them is not willing to submit a settlement to the XXXX XXXX XXXX XXXX or XXXX on the contrary they have said in an email to my Real Estate Broker that they are going to charge addtional fees on this file if he continued to ask questions of them regarding the debt settlement. They are forcing foreclosure upon me when HUD and XXXX XXXX have allowed them a settlement amount and they are not willing to negotiate their inflated fees and settle this account so my home can be sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute the reporting of XXXX accounts by XXXX XXXX XXXX, a third-party debt collector, as outlined below. These accounts violate the Fair Credit Reporting Act ( FCRA ) under XXXX XXXX Code XXXX, which mandates accurate, fair, and complete credit reporting. 

Disputed Accounts : Account XXXX : Amount - {$910.00}, Opened - XX/XX/2022 Account XXXX : Amount - {$1400.00}, Opened - XX/XX/2022 Upon reviewing my credit reports, I identified the following inaccuracies and issues that warrant immediate deletion of these accounts : Inaccurate Account Status and Balance : The status and reported balances for these accounts are incorrect. These accounts were purchased by XXXX XXXX and subsequently paid for less than the amount owed. The reported amounts do not reflect this payment accurately. 

Incomplete Information : My credit report does not show the amount XXXX XXXX paid for the debt, leaving the information inaccurate and incomplete, which is a clear violation of the FCRAs accuracy requirement. This omission of critical details affects my credit standing unfairly. 

Request for Deletion : Based on the inaccurate and incomplete information present, I request the immediate deletion of these accounts from my credit report. 

It is my understanding that 15 U.S. Code 1681 mandates that information in my credit file must be complete and accurate. These accounts, as reported, do not meet that requirement. Please confirm that these accounts have been removed from my report or provide a written explanation for any decision to retain them. 

Thank you for your prompt attention to this matter. I look forward to your swift confirmation of deletion.
Product: Checking or savings account

I have an online CD account with HSBC Bank USA, N.A., that matured on XX/XX/XXXX. The bank automatically renewed my account on the same date for a one year term. I called the bank on XX/XX/XXXX to cancel the renewed CD account, the bank informed me that I am already out of the grace period and is subject to a penalty of {$62.00}, i.e., the interest of 30 days. The bank informed me that I have 10 calendar days of grace period, during with I should not be charged with an early withdrawal penalty. XX/XX/XXXX would be the XXXX calendar day after the renewal and thus within the grace period. However, according to the terms and conditions, if the grace period ends on a weekend, the grace period would be shortened to the previous business day, in this case both XX/XX/XXXX and XX/XX/XXXX are weekend, so the grace period would end on XX/XX/XXXX, I.e., the XXXX calendar day after the renewal. The bank refused to waive the penalty in this case. This term is harsh and unfair to consumer and is not standard business operation ( e.g., where a deadline ends on a non business day, it usually extends to the following business day as opposed to shortening to the previous one ), the bank did not provide adequate disclosure on such term as it was buried in the fine print, and it is outside a normal persons reasonable expectation. As such, it would be appreciated if CFPB can investigate the case and help protect individual consumers in similar situation, or at least urge the bank to provide disclosure on unusual business terms.
Product: Credit card

1. Citi bank miscalculate interest charge. 
2. They did not call on any law regulation only to avoid audit. 
3. I did try several times to solve this problem in direct contact. They respond very clever, general answer without any exact proof or support. 
They apply deferral interest to the current balance and after that calculate minimum payment. 
With this method Citi bank on very clever way count interest on interest. 
Deferral interest has to be recorded and calculate separate not to be add to current balance until the end of deferral period and after that add to current balance.
Product: Checking or savings account

My account was overdrawn on XX/XX/2021 so I went to deposit money to take care of the negative balance after my work day. I made the deposit to my account around XXXX mountain time and then the following day I was hit with a NSF fee. I didn't care too much about it, but after figuring out I made the deposit before the cut off time I was a little perplexed. On XX/XX/2021 I contact BMO Harris around XXXX XXXX to get an explanation of why I was changed a fee, but the rep glossed over my question and asked, " why do you think you need the fee refunded? '' I was a little confused about the question so I asked her to repeat herself and sure enough she asked the same question and doubled down on asking me questions that were not related to my inquiry. I was put on hold, rep came back and negotiated a 50 % refund because of my account history. I told the rep I've never had a ODF or NSF fee before so she decided to pick at my spending habits. 

My issue is, if my cash deposit was before the cut off time I shouldn't have been charged a NSF fee because I funding the account. Furthermore, I shouldn't be patronized by some bank rep about my beliefs on getting a refund, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the negative items on my credit report from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

I believe that some of the information reported by these creditors is incorrect and does not accurately reflect my creditworthiness. Specifically, I dispute the following accounts : XXXX XXXXXXXX XXXX : This account shows a late payment, but I have always made timely payments. 
XXXX XXXX XXXX XXXX XXXX : This account also shows a late payment, but I have never been late on any payments with this creditor. 
XXXXXXXX XXXX XXXXXXXX XXXX : This account shows a late payment, but I have always made timely payments. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX : I dispute the collection account, as I have never received any notices or communications regarding this debt. 
XXXX XXXX XXXX This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXXXXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX Bank XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX Bank XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 

I request that you investigate these items and remove any inaccurate or unverified information from my credit report. Please provide me with written confirmation of the actions taken on my behalf. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Consumer Loan

I have an auto loan with Santander Consumer USA, and am going on the 8th and 9th year where I am still paying on this loan. In the time, I have been paying this car I did lose my job, found another job but I have upkept with my loan and it has never been repossessed. However, I find that the more I pay, the more I have left to go. I can never be done paying. As I pay the balance increases or stay the same, where all the money goes to miscellaneous fees? I do not know what they mean by miscellaneous fees. I need help investigating. I feel I have paid triple the amount the car is worth in this past 8 years I have been paying and I get run around answers when I ask about miscellaneous or all these extra fees. My mother has a loan with them as well and is on XXXX and her car has been repossessed because she has not been able to keep with all the late fee add up. At one point, XXXX charged {$35.00} a day for late fees. How is she or I ever to catch up? And when her car was repossessed at one point she was asked to pay an extra {$200.00} at the towing place to get her items that was in the car. I just feel XXXX is a thieving company and once they have you in their clutches you can never seem to pay them off. I would like to get an investigation into what they are doing to my mother and I please. I am just really tired and frustrated with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract with the company. I have sent letters for validation to this bureau and they have not provided me with proof that this account belongs to me. The company name is XXXX, account # on file is XXXX ... .. The credit bureau is reporting inaccurate information and I have no knowledge of this account. I have not signed for an auto loan. Under the FCRA, unverified accounts must be removed and if the bureau is unable to provide me a copy of verifiable proof, they must remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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 o

r extortion.XXXXXXXX XXXX XXXX  XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus claimed that the accounts were verified, but it is obvious that everything is electronic and therefore they never talk to anyone to do a " reasonable investigation '' as required by law I actually disputed some of the accounts directly to some of the creditors and they never responded to my request for investigation, just refuse to validate the debt they claim I owe as requested by the FDCPA., yet the bureaus turn around and tell me that these accounts have been verified by the creditor. 

I would appreciate it much if you remove the items I will be listing below
Product: Student loan

On XX/XX/XXXX and XX/XX/XXXX my payments to Navient were not processed. I have been enrolled in Auto-Payment for several years and my bank information has not changed. In XXXX some of my loans were removed from Auto-pay without my permission. I demanded that they be put back on Auto-pay and was told that my payments would be automatically withdrawn going forward. Low and behold, XXXX rolls around and crooked Navient didn't process all of my loans AGAIN. When they pretended to re-enroll me they put in the WRONG account information. What a bunch of crooks!
Product: Credit card or prepaid card

I tried to make several attempts to pay on the card using the app. I believe there is a flaw in their system. The payment said received then weeks later it said rejected and I was never notified. I called customer service and was told to try again which I did which was also recjected. I then called my bank and paid with my debit card vs paying through my account and it finally went through. Everything seemed ok afterwards and was told there would be no worries. They then canceled my card because I missed 2 payments ( which is simply not the case ). I was told to reapply if I wish to have credit and that they would not reinstate my card. I find this to be absolutely ridiculous because I attempted to make the payment on more than one occasion.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX Account # : XXXX Inquiry XXXX XXXX XX/XX/2024 I have identified several inaccuracies on my credit report related to a collection account, which I believe are the result of identity theft. Despite numerous efforts to resolve these issues with the credit bureaus, the errors remain uncorrected. This erroneous information is adversely affecting my credit rating and financial stability. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to have fraudulent information stemming from identity theft removed from my credit report.
Product: Debt collection

Portfolio Recovery Associates, LLC has been sending me notices in the mail for a few years now about a XXXX debt that is not mine. They keep saying they will be collecting {$76.00} from account ending in XXXX. The next payment is supposed to be XX/XX/XXXX of 2022 but the account is not mine because the debt is not mine. I filed a complaint already through this site years ago and I'm sick of getting the notices. I contacted them by phone and let them know I was not the holder of this debt but they are apparently too incompetent to actually collect the debt. Seems pretty important that a debt collection company would know how to actually collect the debt... .but that's just me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is my FINAL formal complaint that you are reporting inaccurate credit information on my credit report. I have filed complaints thru the Consumer Financial Protection Bureau on XX/XX/21, XX/XX/21 and XX/XX/21. I am very distressed that you come back every time after your investigation that this information was verified. The information I am disputing for the very last time is XXXX XXXX XXXX. The balance owed is incorrect. You are reporting {$5100.00} when the balance is {$4300.00}. I have attached 2 sets of documentation to this complaint for you to review. One of the documentation is taking straight from XXXX  Website under my account. The other documentation is a screenshot showing that you along with the other 2 credit bureaus are each showing inconsistencies. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either you or the reporting creditor 's part. With the proof I'm attaching to this letter, I'm sure you'll agree, you either correct this or it needs to be removed as soon as possible. I am a litigious consumer. This is my 4th and final time asking to correct or remove this inaccurate information, if you return back that the information currently on my credit report is verified and accurate I am filing a lawsuit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a collection account that is not mine. XXXX XXXX. I have submitted information validating such and it still being reported on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I received a XXXX title loan from TMX on my XXXX XXXX XXXX. I paid approximately {$5200.00} back but still did not pay off the loan and receive my title back. 

Around XX/XX/XXXX, I had to complete a number of repairs that were valued at {$2300.00}. I had fallen behind with Titlemax and let them know that the car had been in the shop, the amount of the repairs completed and asked if they would be willing to take a settlement. The individual I spoke with said I still owed approximately {$3900.00} even after paying the {$5200.00} but that they were willing to accept {$500.00} XXXX accepted the settlement and informed them that I would be able to make the payment in 2 weeks. Before the 2 weeks passed an individual - hired by Titlemax and acting on their behalf- came to my home, cut the lock on my fence & entered my backyard, removed the car, was armed ( but did not point the XXXX at me ) and forcefully removed the vehicle from my backyard while I stood there less than 10 feet away. 

I have a video of the individual on my property on multiple occasions casing the property as well as a video of the individual the night they broke in and illegally removed the car. 

In addition, the individual damaged my fence allowing my dogs to escape. My lawn mower that was near the vehicle was also removed but I did not notice until a couple of weeks later, I filed a police report for cutting the lock, trespassing and breach of peace during a vehicle repossession. 

I was informed today at XXXX XXXX that the vehicle is scheduled for auction tomorrow morning and the only way to resolve the issue is by paying {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number XXXX XXXX XXXX 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