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

XXXX XXXX is still showing on my credit reports, this is a debt that 's over 7 years old and should automatically be removed from my credit report, the debtor has written this debt off and due to new law ruling passed effective XX/XX/XXXX, no judgments are to be reflected on your credit report also due to : Federal Trade Commission, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, Better Business Bureau, Advocates for Fair Credit Reporting this must be deleted from all 3 credit bureau 's effective immediately and to date this has not happened after several letter attempts to XXXX XXXX and Experian by law this is illegal. Please remove from all 3 credit bureau 's immediately. I was advised from a free legal counsel service which advised it is against the law for XXXX XXXX to attempt to sue for garnished wages of which they attempted to do in XX/XX/XXXX, even the court advised they are not allowed to attempt to ever sue for garnished wages again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize and do not recognize the following inquiries that now appear on my credit reports. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I spoke on XX/XX/2019 to XXXX XXXX about my past due balance to Synchrony Bank. I explained that a recent divorce and medical issues had caused me to get behind but that I did want to get current on my payments. He explained that I could pay a lump sum of {$620.00} and then {$110.00} per month thereafter to bring my account current. I made the payment of {$620.00} just a few days later and a payment of {$110.00} in XXXX. 

I started getting calls again in late XXXX saying my account was past due. I spoke to XXXX XXXX who communicated to me that because I had mentioned that I was considering bankruptcy in the XX/XX/XXXX conversation, that those payments somehow didnt count to bring the account ( there was a language barrier and I didnt understand his reasoning ) current and that I will need to work out a new payment arrangement with him. 

I asked to speak to his manager, and was transferred to XXXX XXXX. She was extremely difficult to deal with in general, but said that the earlier payment arrangement isnt valid anymore and I would need to work out a new one with her since the fees were different now. 

She offered me a new payment arrangement of : XXXX- XXXX XXXX- XXXX May- XXXX XXXX- XXXX XXXX- XXXX XXXX  XXXX  Clearly refusing to honor my earlier agreement from XXXX. She also emphasized that I would need to schedule these payments with her automatically from my checking account and I could not pay by check or use my bank accounts bill pay feature. I was very skeptical to provide my bank account information due to the apparent disorganization on their end providing multiple catch up arrangements and I also prefer to make payments on my paydays rather than having to reserve the amount in my checking for automatic payment. 

The refusal to honor my agreement with the first representative I spoke to now puts me in a bad situation and it will be hard to catch up on this balance. I understand that I have fallen behind and I want to get caught up but its difficult when the Company just changes their mind about your workout arrangement. It just feels like Im being played with and they are taking advantage of me when I am already in a vulnerable situation financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Tried to obtain auto loans and my credit was shopped around without my consent, the same thing happend when I tried to apply for some credit cards also. I checked my credit and saw that I had 84 hard inquires that I didn't recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, EXPERIAN 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
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/XXXX, My roommate sent me XXXX, {$100.00} Venmo deposits to help me pay the rent ( We are both XXXX XXXX  and share an apartment ). The money was taken from her account. Then my Venmo account got suspended wrongfully when I tried to deposit this money into my bank account. I was informed of this via email where they asked for me to upload my driver 's license. I complained and called Venmo customer support where I was lied to and told that this would be cleared up soon and they would unfreeze my account and deposited my money. XX/XX/XXXX, ( 5 days later ) and my account is still suspended, and my money is still being held by Venmo interest free. I recalled Venmo support and now they are telling me it will be up to 15 more business days before they even try to address my account freeze. I have also emailed them ample times over this matter. They are wrongfully holding my money which is causing me to be unable to pay my rent.
Product: Vehicle loan or lease

XXXX fraudulently and knowingly submitted a loan application to Truist after I stated I did not agree to nor want the loan with Truist. I already had my own lender. I notified them of this before the loan was processed. Instead of XXXX cancelling the loan before it was processed, fraudulently sent my information over to Truist. I contacted Truist several times by phone and they assured me I did not have a loan with them. I finally received the loan paperwork from Truist. 

The issues have not been addressed. I stated that a fraudulent application was submitted on my behalf without my permission. Please provide proof of documentation that I agreed to apply for a loan with Truist and the terms I signed and agreed to. The car is still does not have a valid title. The title is currently in suspension and has been in a suspended state for months. The car does not have a valid title. Please respond with documentation showing the car has a clear title with Truist listed as the lein holder. 

Previously CFPB Complaint Number : XXXX
Product: Money transfer, virtual currency, or money service

I sent money to the wrong bank details i have made a monet transfer from my wise account to a recepeint wise account but i made a mistake the account number should be 10 digits but me i forget one digit in the end. 
my membership number is : XXXX
Product: Credit card

Earlier this year CHASE closed my checking, savings accounts- asked what was the issue as dont really use them out of the ordinary, and said was confidential and couldnt offer more info now they have closed my credit card as well, and dont understand as i pay my bills on time, and have everything in order. at least they should say whats the issue, feel i have been negated access to financial instruments here. have good credit
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc . ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, EXPERIAN OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX
Product: Vehicle loan or lease

XX/XX/XXXX I was financed for a vehicle through Santander Bank. ( {$22000.00}. & change ). 
I left the dealer owing {$17000.00} ( monthly note {$360.00}. ) XX/XX/XXXX while inquiring to Santander I was informed balance due {$16000.00} XXXX IMMEDIATELY requested refinance through my XXXX XXXX. 
XXXX XXXX Santander stole the vehicle AFTER receiving the FULL PAYMENT. ( ( {$17000.00} ) from my XXXX XXXX in an attempt to extort an additional {$500.00} from me by telling me to take the funds to the impound lot to collect the vehicle. 
On several occasions I called Santander and asked " are you forfeiting {$17000.00}. for {$500.00}? '' the reply was yes so, I stopped payment on the {$17000.00} check from my credit XXXX. 
I no longer had the vehicle. 
XXXX XXXX I received correspondence from XXXX XXXX XXXX ( XXXX XXXX ) attorney for Santander ( enclosed ) the word that caught my eye was 'inadvertently ' no one gives a receipt without payment in full ( removed XXXX XXXX ). 

Since XX/XX/XXXX I have received at least XXXX ( XXXX ) letters from XXXX XXXX attorney for Santander. although I have met their terms, Santander has not lived up to what THEY said they would do via their legal representation.
Product: Debt collection

I was contacted by XXXX XXXX from Bay Area receivables saying that I owed {$1700.00} to my doctor for XXXX. This was 1 year after I received the bill. I told the man that I was sure I had paid it. I told him I would look for payment and call him back. I have perfect credit. Being older it took me awhile but for some reason I could not find the payment. I just knew I had paid it. I called XXXX XXXX back and told him I could not find the payment and paid him the cost of the bill. He wanted me to pay months of interest and he did charge me a filing fee. He said I also owed other bills from 3 years ago which I have not researched but I know were paid. 5 minutes after I got off the phone I found the cancelled check for {$1700.00} and immediately called him back. I sent him a picture of the cancelled check. I asked him to return my money and after 3 weeks he has not. He said I owe fees and late charges and is holding the money. I have not answered to these Charges. Please tell me what I can do. My credit card company refused to cancel saying that the man said that I owed the money.
Product: Credit reporting or other personal consumer reports

I recently discovered a hard inquiry on my credit report made by XXXX XXXX, which I do not recognize and never authorized. I disputed this unauthorized inquiry through Equifax via XXXX XXXX but am dissatisfied with the resolution provided. This hard inquiry, which I did not request, has negatively impacted my credit score, reducing it by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get remarks removed from all 3 credit bureaus TransUnion XXXX  and XXXX  after numerous attempts they still refuse to remove these remarks off of my credit report, they have violated the fair credit reporting act by denying my requests. This is my fourth attempt to get this resolved and they still havent removed these negative remarks.
Product: Payday loan

they are rip-me off for this loan. 
my loan amount was {$1000.00}, they charged me {$1500.00}, even I extend few times. 
I made few times paid {$300.00} and they credited for only $ XXXXthis things happened XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint to Remove Late Payment from Credit Report I am writing in response to your recent communication dated XX/XX/year> regarding my previous dispute. Despite your assertion that everything is accurate, I must insist that the information in question remains incorrect, and there is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). FCRA Section 611 ( 15 U.S. Code 1681i ) As per Section 611 of the FCRA ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of this information. I request that you investigate this matter and remove the incorrect late payment entry from my credit report. FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Additionally, according to Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ), information furnishers are required to provide accurate information. 

The creditor, XXXX XXXX XXXX XXXX XXXX has failed to meet this obligation by reporting a late payment that did not occur. Therefore, I request that you promptly contact XXXX XXXX XXXX XXXX to verify this information and correct my credit report accordingly. It is your legal duty to verify this information with the original creditors and delete or correct any unverifiable information within the XXXX timeframe. However, since it has been over XXXX  days since my initial request and no corrections have been made, I am giving you a final deadline of XXXX  days to resolve this matter. 

XXXX XXXX XXXX XXXX XXXX Date of Incorrect Late Payment : XX/XX/year>
Product: Debt collection

I am writing to formally lodge a complaint regarding the illegal reporting of a charge-off on my credit report by Mid-South Adjustment XXXX acting on behalf of XXXX XXXX  XXXX XXXX XXXX XXXX in violation of multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Internal Revenue Code. Despite previous attempts to address these issues, the violations persist, and I am now requesting immediate intervention. 

XXXX. Clarification of Charge-Off Status and Ownership : The alleged debt, originally owed to XXXX XXXX XXXX  XXXX XXXX XXXX is being reported as charged off. However, I received conflicting statements regarding whether the debt is still owed by the original creditor or if it has been sold or assigned to a third party for collection. According to your response, the debt is still owned by the original creditor. This raises the following critical questions : If the debt is still owned by the original creditor, why is it reported as " charged off ''? 
Has the original creditor written off the debt for tax purposes? 
Is the original creditor still reporting the balance as due, or has it been removed from their records? 
Under the FCRA, furnishers of credit information are required to report accurate information ( 1681s-2 ). Reporting a balance as " charged off '' while simultaneously attempting to collect on it is illegal. This practice results in inaccurate credit reporting and potentially violates the law. I request that you clarify the ownership status of this debt and remove any misleading information from my credit report. It is illegal to report income on credit reports. 

2. Requirement for IRS Form 1099-C for Cancellation of Debt : According to IRS regulations ( 26 U.S. Code 6050P ), if a debt is charged off for {$600.00} or more, the original creditor must issue a Form 1099-C to the debtor. As this debt is marked as charged off, I request the following : Proof that the original creditor has issued a Form 1099-C for this debt, or proof that they did not issue one. 
Clarification as to whether the original creditor still considers this debt collectible. 
Immediate removal of any inaccurate or incorrect reporting associated with this charge-off.

If no Form 1099-C was issued, this could be a violation of IRS regulations and the FCRA, and I will seek further investigation by the IRS for tax fraud .

3. Third-Party Disclosure and Privacy Violations : You have indicated that the original creditor does not require my permission to disclose this debt under HIPAA. However, under the Fair Debt Collection Practices Act ( FDCPA ) 1692c ( b ), a debt collector can not disclose details of a debt to unauthorized third parties without my consent. I request the following : Evidence that my consent was provided for this disclosure to your agency. 
An explanation as to why my privacy rights were violated in this instance, including the disclosure of private financial information to a third party without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have come here to this site hoping someone can help me with XXXX XXXX. I let them know that I had things appear on my credit that was not mine & had no clue who applied for this. I have been a victim of identity theft. I am having a hard time trying to get the things that don't belong to me deleted. I have called all the companies and bureaus several time without any changes. This issue should have been taken care of the first time I told them I had a problem. Please help me get this information deleted from my credit report. I sent in a copy of my police report, ID and social security card.
Product: Debt collection

I purchased a vehicle back in XXXX with Oklahoma Motor Credit Company. I took the vehicle back to the lot in XXXX and voluntarily surrendered it. after that it was listed on my credit report as account paid in full/charged off. I never received any communication from them by mail nor phone afterwards. All of a sudden in XXXX I get a letter from my employer that they have gone to court and received a judgement for garnishment not only for the XXXX or so dollars that I owed on the vehicle when I returned it, but the judgment is for XXXX. I call them the day I received the letter from my employer, and I was told that they sent letter by mail that were returned to them and the address she gave me I have not lived at for over 4 years. My current job I have been on for about 2 years. They found my job with no problem, but could not find my current address. I feel like they really did not try to locate me nor my residence to notify me. I really believe they acted in a deceptive manner by purposefully not contacting me in order to get a rediculously high judgement and ultimately garnish my pay check for an absurd amount.
Product: Credit reporting or other personal consumer reports

The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX Balance : {$0.00} or XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$150.00} or XXXX XXXX  Balance : {$150.00}, and XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Today, I came across some inaccurate accounts on my credit report, and I have no idea how they ended up there. I usually check my report without issues, but this time, I found discrepancies that were completely unexpected. I even refreshed the page to check if it was a temporary glitch, but the incorrect accounts persisted. Because of this, I kindly request a thorough examination of the documents I have provided to ensure I no longer have to deal with this concern.
Product: Bank account or service

I received the Astoria bank advertisement in the mail, which states if you open a new Simple Checking Account and make three or more online bill payments of {$25.00} or more during the XXXX consecutive months, you will get {$120.00} bonus. I opened a Simple Checking Account at the branch located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX on XXXX/XXXX/15. I maintain more than a minimum $ XXXX monthly balance and made XXXX bill payments of {$46.00} each for the XXXX consecutive months : XXXX, XXXX and XXXX, 2015. But I did not get a bonus. I called to the customer Service and branch regarding the bonus. They said I am not qualified. When I was opening my checking account I asked a representative when will I receive a bonus? She said after I make three payments. And now, she says I did not make XXXX payments. The ad states I should make XXXX payments. The company does not honor what they advertise. They mislead consumers and not follow their promises. Their service looks unprofessional. I will provide you with the attached documents as the proof of my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

After applying for a home refinance. Equifax Sold / Gave my personal information without my consent causing identity fraud, inquiries and multiple fraudulent credit accounts & a checking account to be opened in my name. 

I have resolved the account directly with the creditors Now I have multiple fraudulent inquiries on my credit reports.
Product: Debt collection

I was 6 days late on a {$60.00} payment due to scheduling errors with automatic draft. This automatically put me in a 15 % interest rate terms. The remedy my lateness, I made extra payments and set the auto draft date earlier. I was not told that I would start accruing 15 % interest after this payment. I have found documentation stating that a {$10.00} fee would be levied, but not finance charges ( attacehd below ). The company nor I can find any document saying that they told me that this would happen. I have since paid for this loan so as to not accrue interest while procedings continue. I would like to be reimbursed for this money they stole plus interest and late payment fees that would accrue according to their own contracts.