23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I use to have a XXXX Credit card that was opened in XX/XX/XXXX. The Credit card was Paid off in full before I closed that account, yet EXPERIAN is reporting it as placed on collection XX/XX/XXXX through a company called XXXX XXXX XXXX and is being reflected on my credit report as being in collections. 

Why is the credit card that a consumer paid in full and closed being reported being forwarded to collection agency. This is Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practicesThis information should never have been reported to or forwarded to a collection Agency XXXX XXXX XXXX for a credit card that a consumer paid infull before closing. This should not even be listed on my credit report as being in collections. since when was a full paid credit card been forwarded to collections?
Product: Consumer Loan

This complaint is referring to Suntrust Bank and not the reporting agencies- I was discharged from bankruptcy in 2012. While filing, I needed to keep my auto loan with Suntrust Bank. The loan was reaffirmed with Suntrust and approved by a Judge of the United States Bankruptcy Court. I was told by the bankruptcy trustee, my attorney, and by Suntrust themselves that once the loan was paid in full that no negative reflections would appear on my credit report. I was advised by my attorney that Suntrust would report the loan as paid satisfactory ( or something of the sort ) and not show any negativity in the history of the loan ( after the loan was paid in full ). I paid the loan off one year after the bankruptcy was discharged and Suntrust continued to report the loan in a negative fashion ( Remarks : Chapter XXXX Bankruptcy ). I have contacted Suntrust many times over the past 3.5 years and have disputed the issue with all XXXX reporting agencies several times as well. I have gotten several answers from Suntrust ranging from " we are not reporting you '' to " this is just how it is done ''. I have recently contacted my attorney and he has advised me that Suntrust has been illegally reporting the loan since day one of reaffirmation under the FCRA and Bankruptcy Protection Laws. However, I was advised, I would have to retain him at my cost to sue in order to have the issue resolved. I have uploaded the original documents given to me from the US Bankruptcy Court after my bankruptcy was discharged. One is issuing for the intent to reaffirm, one is the from the discharge packet after discharge, and the final decree of discharge. I also included a copy of TransUnion 's report showing Suntrust still reporting me as " Chapter XXXX Bankruptcy '' ( most recent dispute ) I have worked very hard over the past several years to recoup from the impact of bankruptcy. Any help that you are able to give will be greatly appreciated!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX Account # XXXX This account was report as a XXXX and this is affecting my score negatively. The reporting of this account is incorrect as i still see a balance of XXXX after it was charged off. I urge your agency to reinvestigate, provide all the missing information. Also please explain why there is a past due balance reporting while the report show charge XXXX Im pretty sure you know that it is a violation. I demand the immediate deletion of this account to ensure that your agency is reporting full and only complete information on my Account. Please be aware that I am keeping a detailed record of all correspondance and actions taken throughout this process. Failure to respond to this letter or address the mentioned violation within the Specified time frame will leave me no choice but to proceed with legal action to protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been impacted by the Equifax Data Breach and may have got into the hands of the wrong person. I am also a prior victim of identity theft/fraud. 

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

I disputed XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX with experian and they did not validate or provide any contract. i submitted a second dispute on XXXX 2017 and they sent me a letter basically stating that it was not relevant and they would not re dispute.
Product: Credit reporting or other personal consumer reports

This is my 8th 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, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$5900.00} XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  I sent a dispute letter about 7 accounts from the same creditor ( XXXX XXXX ). I took out a consolidation and settled every delinquent account. The bank its self sent the checks to each creditor. The bank gave me a letter as confirmation and detailed what was done. I mailed my letter and copy of the bank 's letter with cleared checks to show proof that the debts were paid. 
On XX/XX/XXXXXXXX  All three credit bureaus deleted the debts, but they all appeared again XX/XX/XXXX. 

The cycle continues to this day. Every time I dispute with proof that the debt is not mine or incorrect, they either ignore or delete and add it again the following year. 
It has kept my scores at XXXX for 10 years. There is no reason my score should remain under XXXX with steady payment history. 
I was denied a mortgage 13 times. This is also documented. I was finally granted a mortgage through a large down payment and proving to the lender that my credit should be higher. 
I have a large packet that I have kept with dates and responses from each bureau. I have been treated unfairly by each bureau, including Experian.
Product: Mortgage

On XXXX, XXXX  we notified PennyMac Mortgage that we changed insurance carriers from XXXX XXXX XXXX XXXX XXXX. We also stated that we paid XXXX XXXX the annual premium of {$1100.00} to start the policy. On XX/XX/2022, PennyMac withdrew {$1100.00} out of our escrow account for something we already paid for. This money HAS NOT been put back into the escrow account, as of XX/XX/2022. ANY refund from XXXX XXXX was to be applied to principal. HOWEVER, there is not refund from XXXX XXXX made to PennyMac Mortgage. XXXX XXXX made the refund check to us. 
WE WANT OUR MONEY put back into escrow as they WERE NOT BILLLED by XXXX XXXX for a premium payment!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including several bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$4300.00} XXXX  XXXX   XXXX {$2600.00} XXXX  XXXX  XXXX {$780.00} XXXX  XXXX  XXXX {$120000.00} XXXX  XXXX   XXXX {$120000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2024 at XXXX I received an email from Affirm saying a loan of XXXX  has been approved on my account. I didnt apply for this loan. So within XXXX minutes of the email I called Affirm. They said there isnt much they can do about it and that Im responsible for payments. They said they froze my account, which they did not do. I was charged in that same moment while I was on the phone with them charges for, used amount XXXX, pending amount of XXXX, and unused amount of XXXX. I called Affirm XXXX  times trying to figure out the problem and no one would help me. They told me to file a police report but Im still responsible for the payments. Payments that I did not make on a loan I did not apply for.
Product: Checking or savings account

I am an international Bank of America customer living in XXXX, XXXX. 
On XX/XX/2021, I was victim of an electronic fraud with my Bank of America debit card in several business entities in XXXX, XXXX of XXXX. Five charges for a total of US {$11000.00} were made in a few hours. Bank of America only properly alerted me on one of the charges at the moment it was requested, ( and asked me to approve or reject it ) which I inmediately rejected. The fraud report was made the same day of the events, however, Bank of America has failed to protect me as a customer and reimburse the fraud amount, on the presumed basis that the charges were properly approved, which is not true. 
I am making this report prior to filling reports within XXXX and US Police Departments.
Product: Money transfer, virtual currency, or money service

I have a pre-existing relationship with a gentleman named XXXX XXXX and his company, XXXX XXXX XXXX or XXXX. Several weeks ago I met with XXXX and discussed making a new {$1.00} XXXX investment in his company. He told me his company was about to embark in a transaction and when it was complete, he could accept my new investment. Several days later I received an email from XXXX indicating that the event had occurred and they were ready to accept my new investment. On that day or the day after, all of my emails disappeared. Shortly thereafter, I received many emails, including the one I had lost from XXXX ( or at least I thought it was from XXXX ). The email was identical to the previous XXXX he had sent and included a separate XXXX document with wire transfer information. I communicated with XXXX via email ( again it was the fake XXXX who had hacked the real XXXX 's email ) and confirmed that I would be sending {$1.00} XXXX. He told me he would acknowledge receipt and shortly after I initiated the wire, he acknowledged receipt. To be clear, the email I was now communicating with was XXXX 's email except it had an " XXXX '' at the end that I simply did not notice. My computer recognized him and his name popped up rather than the email address. I realized the fraud within XXXX hours and contacted XXXX to confirm that he had not actually received my money or communicated with me after his first email. Which he confirmed. The money went to a branch of Bank OZK in XXXX I spoke to my bank, XXXX XXXX XXXX, as well as bank OZK and tried to get them to claw back the money immediately. Instead of the regular account for XXXX 's company which would be XXXX XXXX XXXX the account at the bank was in the name of XXXX XXXX. Again, I did not notice the insignificant discrepancy and thought it was intentional. In any event, I have yet to get any of my money back or receive any adequate cooperation from bank 0Z8. In my opinion, they should not have allowed the depositor ( who I am sure must have only recently opened the account and probably via remote access ) to receive and withdraw {$1.00} XXXX within a XXXX hour time frame with all the rampant fraud going on involving wire transfers. I was so confident that mine was legitimate because it was a continuous conversation with XXXX both in person and via email. Obviously, this has a huge impact on me and I am thankful for all the help you can give me.
Product: Checking or savings account

My bank account was closed or restricted due to fraud, which prevented me from making my scheduled monthly payments on the collection account. As a result, the account has been reported as late on my credit report each month, despite my inability to access or make payments during this period.
Product: Credit card or prepaid card

I received a card in the mail which I never requested. It had no information with it other than my name. I saw that it was from Cash App. I tried to reach them and they make it very difficult. I tried calling the parent company, Square, and they also can not be reached by phone. I don't know if someone opened an account under my name or this is just a way to get new customers.
Product: Credit card

I have a closet apple card goldman sachs account. I have a positive balance of about XXXX XXXX I am requesting a refund balance transfer. They refuse to send me the funds. After they told me they initiated the transfer they called back a couple of days later and nobody would talk then hung up. I called today to see why I have not received anything. They said they called to tell me my account was under review and that I had to resubmit the refund request. I have been trying to get this resolved with countless attempts at communication and nobody can answer anything they leave me for hours on hold. I need something done about this.
Product: Credit reporting or other personal consumer reports

Account # XXXX opened- XXXX credit XXXX $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns. 

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I was sending money for braids threw cash app it wouldnt go threw later found out it was a scam. I contact cash app via message they didnt have a XXXX number to call and just stayed it was nothing they could do so I was out XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received official superior court document that a case was closed and balance cleared that is being reported to my experian and XXXX credit report I have submitted this document to Experian and XXXX numerous of times I even had the XXXX XXXX XXXX XXXX speak to the credit companies telling them that the case is closed and should not be reported on his credit report but EXPERIAN AND XXXX keeps reporting the information as ACCURATE when it is not because the case is closed and refuses to remove it from my credit after I have provided substantial amount of evidence that it should not be on my credit reports and it has dropped my credit to atleast XXXX points and is causing financial harm to me an my family
Product: Debt collection

THEY HAVE CALLED ME REPEATEDLY AND THREATENED ME AND VERBALLY ATTACKED ME.THEY THREATEN NUMEROUS TIMES.
Product: Debt collection

My credit report shows an account from your company. In XXXX of XXXX, XXXX announced it experienced a data breach, which impacted the personal information of approximately XXXX XXXX people. Due to this breach I became a victim of identity theft. Under the debt collection protection act, I have the right to request and receive the validation of this debt. On XX/XX/XXXX I sent your company a debt validation letter requesting you to provide me with the following, A calculation of this balance, including the complete payment history on this account along with proof of the balance owed, Documentation that shows I agreed to pay this debt, with my signature and that date that I signed. The agreement that grants you authority to collect on this alleged debt as well as a copy of your state license including the license number. Your company has refused to respond to this legal request, I am for certain that I do not owe your company any money. For starters, I have never done business with you, in fact I have never heard of your company until having received this notice on my credit report. 

According to the FCRA regulations I may sue you in any qualified state or federal court, including small claims court in my area. It is a violation of the fair credit reporting act for you to continue to report this account to my credit report. If you refuse the removal of this account, I will move forward in filing a suit against your company. It has been well over thirty days which is the legal time frame by law that your company had to respond to my debt validation letter that was sent out on XX/XX/XXXX. My first step is filing a police report against your company. I plan to present this documentation to a judge in my area in 3 business days if this account is not removed.
Product: Debt collection

The XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) informed me that I had a XXXX balance of {$660.00} that I owed. Upon calling them, they mentioned that the zipcash balance can be adjusted to the tolltag rate somewhere in the neighborhood of approximatley {$320.00}. I received a collections bill in the mail from XXXX for {$320.00} and paid that amount. I then received a second collections in the mail for {$320.00}. 

I have already paid the adjust amount, and it seems that XXXX has split up their collections requests to intentionally confuse consumers. I was told that had I not paid the first collections bill, I could have called the XXXX and paid the adjust amount entirely off ( which is the same amount approximatley as the first collections bill ).
Product: Student loan

I attended XXXX University from XX/XX/XXXX to XX/XX/XXXX online out of state. They are currently under a lawsuit settlement & have paid off or forgiven former students loans. I'm wondering why I have not been contacted & this outstanding loan of {$69000.00} is showing on my credit incurring interest.
Product: Credit reporting

Experian altered my personal statement that I requested be placed in my credit file. I complained and they said the statement placed in my file is the same as I requested, which it is not and is proven in the attached documents.
Product: Payday loan, title loan, or personal loan

I took out a high interest loan. I knew that it was but I lost my job and needed it to stay afloat. The loan was for {$600.00}. They spread it out over XXXX payments. I have made XXXX bi-weekly payments so far in the amount of {$160.00} each. I am now working full time and want to pay the loan off in full on XX/XX/XXXX. I called today, XX/XX/XXXX to ask my pay-off amount and was advised I've only paid {$30.00} in principal this entire time and to pay off on XX/XX/XXXX, the payoff amount would be {$1000.00}. They also said I would still have another interest payment due on XX/XX/XXXX AFTER I pay the loan off. HOW IS ALL OF THIS POSSIBLE?!!! I previously called because I missed the payment on XX/XX/XXXX because I had not received a full check from my new job. I have set up arrangements and that is included in the amounts shown above. The representative I previously spoke with, moved the missed payment to the end of the loan, and split the next payment into 2 payments to help. I have so many questions, one of which is if I pay the loan off in full, why would I owe more interest after? The company advertises there is no penalty to pay the loan off early, and paying it off early can save money, but that does not seem to be the case. I want to pay what I owe but something does not seem to be adding up here. Can you help me make sure I'm not overpaying ( any more than I already have ). Thanks in advance for any help you can provide!