23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On the XXXX of XXXX I went to XXXX to pick up my rental. There was a mile limit on the vehicle so I tried to get the vehicle switched out. They were unable to exchange and had to refund the transaction. I was told it would be applied in 3-5 business days to refund the {$88.00}. I called Navy Federal to see if they can dispute it so that I can rent at another rental company and they stated the charge is pending and nothing can be done. 

I ended up going to XXXX to get the rental and had to deposit more money {$160.00} to cover for what was missing from paying budget. 

On XX/XX/year> at XXXX I spoke with XXXX XXXX The call is recorded to confirm our convo. I let him know that I see a refund on my account but my balance hasnt reflected that. He went in and confirmed what I already saw and again I let him know my balance was {$9.00} prior to the refund and {$11.00} now and the only transactions was my deposit of {$300.00} and payment to Public Storage of {$290.00}. He then stated that he sees on another screen a pending charge from budget that is offsetting the refund. I was unable to see it on my app but just took his word for it. 

I called today which is the XXXX to see if whatever pending charge he seen will be lifted. The current rep stated she seen no notes in regards to what happened on the XXXX. I asked for the call to be escalated which then XXXX her supervisor answered. He stated he listened to the call but couldnt share with me what was said. In the end the issue wasnt resolved and it feels like its some money laundering or error in the system going on to show via your account balance funds were refunded only for it to not actually be placed into your account. 

I spoke with another supervisor who stated in order to listen to calls the supervisor has to listen during admin time. Now Im wondering if the previous agent even listened to the call and just said anything to get to the next call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report recently and notice some items that i did not authorize. I did not authorize these items and I need these items removed from my credit report. This is totally unacceptable. N/A ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 10 XXXX XXXX XXXX XXXX. 11 XXXX, 12 XXXX XXXXXXXX 12 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. I'm doing this on my own behalf. I contacted the Ftc and my local police.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. The lack of accountability is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX DBA XXXX XXXX auto deducted my XX/XX/XXXX mortgage payment for XXXX on XX/XX/XXXX from my checking account 5 times in error. Then they reversed 4 of the payments. XXXX XXXX I was contacted by XXXX DBA XXXX XXXX by phone asking if I wanted to proceed with a loan modification. I never requested a loan modification. The representative then told me my loan was delinquent. I had not received any correspondence from XXXX DBA XXXX XXXX that my loan was delinquent. I have never missed a payment. I have always paid my mortgage by automatic deduction from my checking account. I immediately contacted XXXX  DBA XXXX XXXX and spoke with XXXX XXXX with Executive resolution. I learned that my loan was switched to paperless statements without my consent. I informed her that I never stopped the automatic deductions from my checking account. I provided her with copies of my bank statements for XXXX through XX/XX/XXXX. She opened an inquiry and discovered that XXXX DBA XXXX XXXX stopped the automatic deductions in error without my consent. It was also discovered that they had not applied the XXXX payment to my account even though they collected it. XXXX XXXX issued a letter XX/XX/XXXX stating that they submitted and update to the credit reporting agencies with instructions to adjust their records and remove the negative credit information. Not only has that NOT been corrected with XXXX, TransUnion, XXXX  and XXXX but XXXX DBA XXXX XXXX has stopped reporting my mortgage payments completely there is no payment information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has effected my credit in such a negative way that I am unable to obtain a mortgage on a new house. My husband and I had an excellent credit score prior to this outrageous error by XXXX DBA XXXX XXXX. I have personally contacted all 4 Credit Reporting Agencies and learned that XXXX has done nothing to remedy this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX T
Product: Debt collection

Jefferson Capital made a false report on my credit profile for collections on an account I have no knowledge of. They have severely impacted my credit in a negative way and I have never done business with this company.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I keep recieving calls from a company, OSC-LLC, phone number XXXX, trying to contact a person who does not live in my house. I get a recorded message saying to press a button to speak to a representative, or to call back with the case # # # # # #. I have called back to this company and informed them that the person they are looking for is not a member of my household and to stop calling me. Last week I spoke to a male at this company and was assured that they would take my number off of thier list. Today, XXXX, I recieve another message from the same company. I am going to call them back XXXX more time and get an address to send a letter from my attorney.
Product: Debt collection

I did not receive the appropriate verification of debt as requested multiple times. I requested for the original contract with my signature and company only sent me bank statements on 2 different occasions. Per FRCA, bank statements is not the appropriate documents to validate and verify debt. Since this is a violation due to unable to validate debt, it should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to comply with 15 USC 1681s-2 ( b ). Experian is civilly liable under 15 USC 1681 ( n ) ( i ). A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Experian failed to conduct a reasonable procedure by their own industry standard of Metro 2. Experian failed the Metro 2 standard requirement to report the full XXXX a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Experian failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. Experian failed to report consecutive 24 months of payment history. Failing to report XX/XX/2021 presents willful noncompliance. 
In conclusion, Experian has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n Experian is liable for actual damages, {$1000.00} violation and punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing unauthorize inquiries and credit errors on my credit report for over three years and XXXX, Transunion and XXXX has n't deleted negatives from my credit file. Credit reporting agencies have not supply evidence of my handwritten signatures with me applying for credit with lenders or credit companies. Some creditors companies will sign consumers name just to protect themselves from any Federal lawsuits. This is the list of unauthorize hard inquiries on my credit report that is damaging my credit scores with Transunion, XXXX and XXXX. According to XXXX XXXX monitoring credit and scores my Transunion credit scores is at XXXX, XXXX XXXX, and in my free membership with XXXX monitoring credit score is at a very damaging score at XXXX. Credit reporting agencies are very aware that I am a XXXX Military Veteran and I am XXXX XXXX XXXX XXXX. Under my XXXX XXXX XXXX under the Department of Justice and Federal and State Consumers Laws I am been Discriminated and Retaliated because my National Origin as a XXXX XXXX and Military Veteran status. Here is the twenty five or more Unauthorize inquiries list on my credit reports that 's damaging my credit and scores .A Bankrutcy Chapter XXXX was filed on XX/XX/XXXX and XXXX , Texas Federal Judge Discharged on XX/XX/XXXX and as I view my credit report XXXX, Transunion and XXXX was not deleting collections and negatives wording statements on my credit files. Unauthorize Hard Inquiries list of twenty five or more are as follow that is displaying on my credit reports.. 1.XXXX XXXX .Inquiry date XX/XX/XXXX Misc.Reporting Agencies 2.XX/XX/XXXX.XX/XX/XXXX.Misc.Reporting Agencies 3.XXXX XXXX XXXX XXXX  .XX/XX/XXXX 4.XXXX XXXX XXXX.XX/XX/XXXX 5.XXXX XXXXt .XX/XX/XXXX 6XXXX XXXX XXXX XXXX 7.XXXX XXXXXX/XX/XXXX 8.XXXX XXXX XXXX .XX/XX/XXXX 9.XXXX XXXX XXXX XXXX .XX/XX/XXXX 10.XXXX .XX/XX/XXXX 11.XXXX  XXXX XXXX.XX/XX/XXXX 12.XXXX XXXX XXXX.XX/XX/XXXX 13XXXX XXXX.Personal loan.XX/XX/XXXX 14.XXXX. XX/XX/XXXX 15.XXXX XXXX.XX/XX/XXXX 16.XXXX .XX/XX/XXXX 17.XXXX XXXX XXXX.XX/XX/XXXX 18.XXXX  XXXX.XX/XX/XXXX 19.XXXX.XX/XX/XXXX 20.XXXX XXXX.XX/XX/XXXX 21.XXXX  XXXX XXXX.XX/XX/XXXX 22.XXXX XXXX XXXX.XX/XX/XXXX 23.XXXX XXXX.XX/XX/XXXX 24.XXXX XXXX.XX/XX/XXXX 25.XXXX XXXX.Utilities & Fuel.XX/XX/XXXX This list of creditors should supply Federal Government on my file complaints with my hand written signatures
Product: Vehicle loan or lease

On XX/XX/2022, I called Bridgecrest to let them know that I was going to trade in my vehicle and needed a XXXX payoff amount. ( The car note due date was on the XXXX ). 

On XX/XX/2022, while at the dealership, the salesman asked me to call Bridgecrest again to verify the payoff amount. 

On XX/XX/2022, I purchased a new vehicle and traded in the vehicle that was financed by Bridgecrest. 

On XX/XX/2022, Bridgecrest called me twice stating that they had not received payment on my car loan. I informed them that the car was traded in and that they should have received the payoff check from the car dealership. 

Bridgecrest continued to send me text messages and voice messages regarding a loan payment on the car it had financed. 

On XX/XX/2022, I contacted someone at the dealership to see if they had sent the payoff check to Bridgecrest. She told me that they had. She and I got on a three-way call with a XXXX at Bridgecrest. The rep at the dealership gave the rep at Bridgecrest the date that the check had been sent to the lockbox ( a day or two after purchase ) and she verified the lockbox address. No one had been there to receive the check. 

Bridgecrest reported a late payment to the credit bureaus. 

I contacted Bridgecrest to get the late payment removed, because it was not my fault that they did not receive payment on the vehicle, when it was clearly sent in due time. 

Bridgecrest refused to remove the late payment.
Product: Credit card or prepaid card

American Express charges over {$400.00} dollars in Interest plus + late charges. I was late twice in making the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I received a notification from Experian and XXXX that a late payment was reported by XXXX to my credit report. I reached out to XXXX after I've checked my bank account to verify they have received payment on time which they did. XXXX said they can't do anything about it even though I have proof on time payment. I filed a dispute with Experian and XXXX and they both said they can't do anything about it despite having solid proof that payment was made and received on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act Convergent Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Product: Mortgage

I just received a letter from McCalla Raymer Leibert Pierce , LLC ON XXXX. I took out 2nd mortgage in XXXX, since then I received two modifications. My second mortgage of originally XXXX after making payments reduced to 45k-46k. The balance was put in back of the loan and stayed silent. Now this law firm is asking the balance with fees and interest totaling XXXX as of XXXX XXXX. This firm has not taken any action as of yet. Just trying to collect a misinform debt. My home foreclosure may be their short term goal. 
I did indeed noticed XXXX XXXX XXXX XXXX is not mentioned at all in the letter sent. The original company ( SLS ) in which the money was said to be owed and they would proffit 100 % of the proceeds if successful. I also just looked at my County Court public records and also noticed ( XXXX XXXX ) just filed or added their named along with others on XX/XX/XXXX. 
I am just a XXXX military war vet. trying to survive another year. Now this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting my XXXX account as an adverse account this information is wrong. It has been confirmed with XXXX that the account is current and in a satisfactory standing with no late payments. XXXX has fixed this account after there investigation and it is reporting correctly as an account that is satisfactory not adverse. I have disputed this with XXXX but they have still not corrected it. This wrong information is affecting my credit score.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed a dispute with XXXX  and XXXX about me not having any knowledge of account with XXXX, I received the outcome from the dispute stating that the account is valid. I have been a victim of identity theft going back to XXXX, and the statement I issued to each and every credit bureau seemed to have been ignored and credit was issued under my identity. I have submitted several police reports and I also filed an complaint with the federal trade commission about this matter and the credit bureau and/or company have not did its jobs as to investigating my concern throughly and removing the item til this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE Months XX/XX/2023 and XX/XX/2023 Reporting late payments on a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXXhas 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 I did not give, written or verbal consent for this account to be opened.
Product: Vehicle loan or lease

On XX/XX/XXXX I paid off the remainder of my car loan with Toyota financial. I was told it would take a month from the paid date for it to process. After more than a month I called to find out what was happening and when the title would arrive. I was then told that I hadnt requested the title and it hadnt been sent. I thought this was odd that I paid it off and didnt just get it sent out, but I went on to request it. This was XX/XX/XXXX. I was again told to expect it to be up to 30 business days to arrive. I called weekly for updates until I was finally told to it would be to me by XX/XX/XXXX and if it wasnt to call. I called on the XXXX when I hadnt received it still. They told me me they werent sure what was happening and that they didnt know where it was. I was told by the XXXX XXXXXXXX XXXX that the Lien hadnt been released so I shared this with Toyota financial and they put in a request for a lien release but was again told it could be up to 30 days. I paid this off in early XXXX and I really need the title to the car and have completely lost faith that the issue is going to resolved by Toyota Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ridiculous I am a human like the rest of the ppl of the universe yet my no one is apparently listening to me I have rights!!! under 15 USC 1681!!!! They have violated my rights on numerous occasions alI I ask is for these accounts to be deleted immediately.According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish theses accounts!!! 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, 15 USC 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their their grave responsibilities with fairness, impartiality, and a respect for the consumers privacy. 15 USC 1681 : ( 1 ) All information in the consumer 's file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer note included in the disclosure and the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to required consumer reporting agency to disclose to a consumer any information concerning credit scores or predictors relating to the consumer. Also none of my credit report matches up in any of the three credit bureaus that i disputed about last year and its still incorrect!!!!!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY 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. 


XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$130.00} XXXX XXXX XXXX XXXX XX/XX/year> {$220.00}