23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

The account with Leaders Financial is closed in 2018 and the company is garnishing my checks for the amount owe, yet they are still reporting the account as late on my credit report even though they are receiving my payments from my job every month. This late reporting is keeping my score low. The name of the original creditor company is Leaders financial and the people that bought the debt are saying they have nothing to do with what is reported. Leaders keep telling me that they don't have anything to do with this account anymore, so why are they still reporting as late or even reporting at all. I have been going though this for 5 1/2 years. I can't get a loan, a car in my name and more. Please help me to remove this leaders account off of my account as I have tried over and over again. I am trying to improve my credit score as I can't even rent an apartment in my name. Please help me to remove this account.
Product: Payday loan, title loan, or personal loan

I was out of work on worker 's compensation so I began to fall behind in payments in XXXX of this year. I kept open communication until I was able to make a payment, but I was still struggling with the payment. I had the same issue with other creditors, but they were more lenient than XXXX XXXX. Once I was able to make a payment I was told that I needed to sign a form to stop legal proceedings on my account. I signed the form and made the payment, but I was still struggling to catch up on my financial debts. I continued to keep open communication and explained that I started a new job which changed my pay frequency so it was even harder to get caught up on my finances. I then received a letter dated XX/XX/XXXX, stating that a judgment was granted in the favor of the plaintiff. I thought this was in error because I never received a court date. I continued communication with XXXX XXXX. Then onXX/XX/XXXX, I received a letter statin that my wages would be garnished and I contacted XXXX XXXX. I was told that I signed a consent form so they did n't have to take me to court. The consent form did not state that there would be no court date if I defaulted in payments. I then received my paystub and my wages had been garnished for {$530.00}. Because of this my car insurance was cancelled and I am really struggling more to satisfy my financial obligations.
Product: Checking or savings account

I want to file a complaint with dealing with multiple overdraft fees to my account. These fees were totally unacceptable and unreasonable despite having sufficient funds available at the time of transaction were authorized but due to delay posting of charges and credit i was unfairly overdraft fees
Product: Student loan

AES/XXXX XXXX XXXX XXXX XXXX, PA XXXX USA ( XXXX ) XXXX AES/XXXX XXXX gave me a private school loan on XX/XX/XXXX for {$75000.00}. This loan was found to be not exempt from bankruptcy. I filed bankruptcy in XX/XX/XXXX and they kept sending bills. XXXX XXXX XXXX in XXXX Michigan has found this loan to be dischargeable in my previous bankruptcy and has sent notification more than 2 months ago to them. They were asked for an accounting of all payments made since bankruptcy and for the monies to be returned to me promptly. I have no responses from them nor has the attorney. I have paid nearly 40,000 to them in payments in the last 7+ years that they were NOT entitled to. I would like my payments refunded and the incorrect non-payment information and the account blemishes removed from my credit. I was instructed by legal counsel to stop paying them and they have ruined my credit based on payments they are not owed and that they owe me back XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equiax, and XXXX have investigated my account for over 30 day period. FDCPA says this is a violation as well as Federal violations.
Product: Credit reporting or other personal consumer reports

I have a credit freeze on my Equifax credit report as well as fraud alert and some from Equifax or Equifax is allowing someone, ( who is not me ) to change my information including changing my first name, adding old address that are XXXX - XXXX XXXX XXXX. Also changing the date of my fraud alert and freezing and unfreezing my credit report without my permission This is the third time this has happened. Resulting in receiving credit card offers under the fraudulent name. I tried to resolve this several times with no results
Product: Debt collection

THE BUREAUS INC Account number XXXX- Is reporting an erroneous collection on my credit report .... I have resolved it with the original creditor XXXX a few months ago. I called THE BUREAUS to ask them to remove this collection since it is null and not accurate, the bureaus could not validate this account kept asking for my social and rude lady screamed at me threatening to send a cop and arrest me. Now they are calling my work, my parents house event my aunt 's house who has a heavy XXXX accept collector called her names and accused her of disspeacable things threatened to arrest me if she didn't give her my social number and a credit card to pay this balance.. isnt ' this illegal ... I sent them letters of dispute which came back undeliverable from the address that is on the credit report. please help and stop this horrible collection company from being in the business in first place
Product: Money transfer, virtual currency, or money service

American Express asked for a settlement and stated that they would remove the debt from my account if I paid a certain amount ... when I called after paying they said there was nothing they could do ... They mislead me and started over the ages account which was over 7 years old
Product: Debt collection

I have never had a contract or agreement with Cavalry Portfolio Service. The company has not provided verifiable proof supporting validity of a debt they are attempting to collect on. Although Cavalry has failed to provide a copy of the complete account history, the original agreement, or any other adequate documentation confirming validation, their repeated attempts to collect on the alleged debt continue. Their collection appears on my credit reports along with a credit inquiry dated XX/XX/2017 that I never authorized or consented to. These appear to be violations under the Fair Credit Reporting Act.
Product: Credit card

I am a Capital One Venture X card member. A benefit of the card, of which there is a high annual fee, is access to the Capital One lounge. I often fly on standby, non-revenue, airline tickets as I am the XXXX XXXX XXXX XXXX XXXX XXXX. The lounges now are turning away and denying access to standby passengers. I pay for the credit card, so I should be getting access.
Product: Mortgage

I am a fully corporation called XXXX XXXX XXXX XXXX Also a XXXX with XXXX XXXX XXXX XXXXXXXX XXXX and other brands carrying zero turn mowers, chain saws, blowers etc. XXXX changed using XXXX XXXX to Huntington Bank on their floorplan. 
I needed to set up an account with Huntington Bank and I gave them my corporate federal ID number but they insist getting my personal social security number. I have no idea what they will do with my persoanl social security number. Huntington has caused my loss of sales due to the corporation not having XXXX products to sell. 

I am a small 100 % veteran owned business with just my wife and I that run the business. 

I am seeking any help in these financial institutions requesting personal social security numbers for a corporation.
Product: Student loan

I have had this student loan since XX/XX/XXXX for XXXX, and the other one on XX/XX/XXXX for XXXX. I have paid on this loan for multiple years now. In XXXX, my husband and I filed for a XXXX XXXX Bankruptcy and Navient was included. In that they filed a claim against us for XXXX dollars. This bankruptcy was successfully completed in XXXX of XXXX and Navient received 100 % for the claim they submitted. Shortly after completing this payoff, I received a payment booklet from Navient for them to collect over {$1500.00} combined for the " balance '' of these two loans. No one from Navient could explain to me that after over 20 years and receiving over {$9000.00} dollars from me in a bankruptcy, where this " balance '' was coming from. I spoke with my bankruptcy attorney who told me that it was maybe " interest '' that continued to accrue during the 5 year XXXX XXXX  process. So, as a result, I've attempted to get Navient out of my life for good and try to pay this off. When you call them, the first thing they say is, " I can lower this payment for you ''. I said, no, I'm trying to pay you off completely. That is when I spoke with a Navient representative to set up 10 payments of XXXX} to be deducted from my bank account every month, this would complete the XXXX dollar balance. Later, I called and spoke with Navient thinking this was done. I checked my Navient account and it was set up payments of XXXX dollars to go toward each loan! I never agreed to that. So, then I called back to set up two payments of XXXX  dollars to complete the XXXX  to come from the same bank account. The bank never received that request from Navient. I called several times to Navient and they told me " give it time to process ''. A couple of weeks later, I received an email from Navient telling me that the bank rejected the payment of XXXX  because I put the wrong account or bank number. I've tried several times to pay Navient off but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 fraudulent hard inquiry to my XXXX  report by Santander. Attaching relevant police report. XXXX instructed me to contact each company making fraudulent inquiry individually.
Product: Credit card

On XX/XX/XXXX, I received a letter from Bank of America for disputed amount from XXXX XXXX # XXXX for {$220.00}. I provided detailed letter describing how the merchandise was damaged, defective and not suitable for its intended purpose. The detailed letter explained why I was disputing the total amount {$220.00} as to how XXXX employee XXXX XXXX XXXX ID XXXX told me " I won't replace the items even if I was told to do so '' when I returned to the club to have the damaged items replaced for online order # XXXX in-club pick up on XXXX XXXX. The merchant declined to accept my return and issue a credit for the damaged and defective items not suitable for their intended purpose.by cancelling my XXXX membership and locking me out of my XXXX  online account on Sunday XX/XX/XXXX during the period my claim for the disputed amount of {$220.00} was being researched by Bank of America. On XXXX XX/XX/XXXX, I called Bank of America claims and spoke with XXXX in XXXX XXXX  as regards a letter dated XX/XX/XXXX from Bank of America denying my claim of the disputed amount of {$220.00}. I advised XXXX of my inability to return the damaged, defective items not suitable for their intended purpose as a result of my XXXX membership cancellation by the merchant in retaliation for filing a claim for the disputed amount of {$220.00}. Furthermore, XXXX corporate had advised that the reinstatement of my XXXX membership is contingent on the resolution of my personal injury claim under investigation by XXXX & XXXX from an assault by XXXX of XXXX security guards on XXXX XXXXXX/XX/XXXX. XXXX locked my online account. This further impedes my ability to return the damaged, defective not suitable for their intended purpose merchandise I purchased from XXXX and picked up in-club on XX/XX/XXXX. I am filing this complaint as the disputed amount of {$220.00} has been charged back to my credit card. Bank of America has denied my claim and disputed amount said to be in a hold position to be reported to credit bureaus for each billing period I do not pay the disputed amount of {$220.00}. I am extremely upset at this as it further adds to the damages I have incurred from XXXX improper business practices to include negative impact on my XXXX XXXX resultant effect from the assault on XXXX XXXX at XXXX XXXX XXXX XXXX XXXXXXXX XXXX, damaged defective merchandise not suitable for intended purpose that XXXX employee XXXX XXXX XXXX ID XXXX said he would not replace even if he were told to do so and to XXXX XXXX XXXX cancellation of my XXXX membership and locking me out of my online XXXX  account during the period the disputed amount of {$220.00} was being researched by Bank of America thus impeding and preventing my ability to return the damaged, defective merchandise not suitable for their intended purpose. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX declined to provide store credit in a phone call on Monday XX/XX/XXXX at XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS XXXX XXXX ACCT # XXXX IS APPEARING ON MY XXXX CREDIT FILE AS A CHARGED OFF CLOSED ACCOUNT. I DID NOT OPEN THIS ACCOUNT. THIS IS A FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY PERMISSION. ATTACHED TO THIS COMPLAINT IS A VALID UNALTERED POLICE REPORT SHOWING I AM A VICTIM OF IDENTITY THEFT. YOU MAY CALL AND VERIFY THE VALIDITY OF THIS POLICE REPORT, AS IT HAS BEEN APPROVED BY THE POLICE DEPT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained numerous times by phone to equifax to the following : 1. Unable to get my credit report or score from the online equifax portal. See attached. Keeps giving me an error that it cant give me info at that time upon logging in with my credentials.

2. When I was able to at access the report section one day my score has dropped Over 100 points for no reason and two days later it rose over 100 points making my score XXXX  to any creditors checking my credit. I noticed today it has dropped over 100 points again for no proper reason and the last time I complained over the phone with equifax they said it was a coding problem and this is damaging me everyday it the improper broadcasting of an improper credit score damaging me for credit when seen my my creditors and credit applications I submitted within this period. 

This is appalling!
Product: Credit card or prepaid card

On XXXX XXXX, 2023 I was asked by PNC bank to allow access to my consumer report for credit application reference # XXXX. Based on the innacurate experiences illegally reporting with the third party agency XXXX, PNC BANK denied me my own credit. PNC BANK used my social security card # to access funds but in return denied me access to my own funds as creditor. PNC BANK has knowingly and willing violated my rights and discriminated against me, I am now owed remedy.
Product: Checking or savings account

On XX/XX/2023 I deposited a State Refund check in the amount of XXXX via a Capital One ATM. The next day I checked the website to see when it would be available. According to the website, it would not be available until XX/XX/2023 at the earliest. I contacted Capital One on XX/XX/2023 and was told that I needed to call back when the FTB was open and the check could be verified. On XX/XX/2023 I called back and spoke to three different individuals. The final person indicated that he was at the end of the line and stated that no he would not do anything to speed up the posting. He also indicated that I can expect any check I deposit to take at least 5 days to post. I indicated that this was a government check and that I did not understand why at least some of the funds were not made available to me. He did not answer that question but went back to his original answer that the check would not post until XX/XX/2023 at the earliest. I have only deposited 2 checks into this account and both have taken in excess of 4 days to post. The original bank transfer that I made to this account of {$1100.00} from my XXXX XXXX account took 13 days to post and was split into two transactions. One transaction for {$100.00} posted on XXXX and the remaining amount of {$1000.00} posted the next day.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Block , INC doesnt give customers access to real customer service reps via a company owned XXXX number to deal with cases of fraud or other transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit card account was opened with a {$500.00} limit. Hadn't used it since I was only using it for the credit from its existence. On XX/XX/XXXX I went to increase the card 's limit to {$2500.00} ( Hard inquiry to TransUnion ). 

Within a month, I discovered all three credit bureaus were reporting that the credit account 's opening date was changed to the date of the credit increase. A huge no-no, considering this account is one of two ( Three including an auto lease, which expires later this year ) with the account in question being the oldest. I immediately contacted all three credit bureaus and started disputes with them to correct this information. 

XXXX and TransUnion promptly confirmed the original opening date and corrected it within their credit reports. Although TransUnion seems to have reverted the correction in the very next report. I am unsure if XXXX has adhered to their correction. 

Now here 's the beef. When I went to file a dispute with XXXX on XX/XX/XXXX explicitly about the account 's opening date, they concluded on XX/XX/XXXX : " Verified the date of last payment. '' without correcting the necessary information. I opened another dispute on XX/XX/XXXX, making myself even clearer. Same response received XX/XX/XXXX. I nearly just made a third with bountiful supporting documentation, but it wouldn't let me attach any documents because of a few " Bugs ''. 

The bank is reporting the account 's information opening date to the credit bureaus correctly and continues to do so. XXXX, XXXX, and TransUnion have received disputes from me regarding the matter. XXXX and TransUnion seem to have corrected the issue, but I can not monitor the former 's consistency ; the latter has resumed reporting the incorrect opening date ; and XXXX has " Verified '' irrelevant information after two separate disputes were filed. 

I did some digging about XXXX 's troublesome process ( Or lack-there-of ) and PR quagmire, even stumbling onto a recent lawsuit regarding similar issues that I'm experiencing. Time to step my game up and get someone to light a fire under their pants, my credit is on the line. We're talking about a 60 point+ neutering that drop kicked me two brackets down.
Product: Credit card

My credit card company went from OLLO to Ally bank. Immediately my monthly payment went up almost double. I can not afford to pay this because I am on XXXX. In no way has either of these companies try to work with me. When I asked for a phone call from a manager on a non-recorded line. Ive asked over 15 times. With over 25 phone calls from them. They call and then they hang up expecting me to call back. Ive asked for multiple pieces of information in regards to this account including a validation and a current billing statement with all of the debt included and interest and fees etc. etc. currently they are compounding interest on top of late fees and failure to pay monthly payment. Ive tried to work with them to no avail.
Product: Bank account or service

My debit card number was stolen twice, and on both occasions ( XX/XX/XXXX and XX/XX/XXXX ), my bank almost immediately declined my dispute with no explanation except that they " investigated '' and found the charges were valid and that I would need to contact the merchants myself. In both cases, I reported to my bank immediately and requested a new card, and my Member Agreement says " you will not be liable for good and services fraudulently purchased through you Account, '' which is also required by federal law if I am not mistaken. After the most recent incident, the bank closed my account and locked me out of my online access without cause or any real explanation except a reference to a generic provision in the Member Agreement. The total of the charges is {$560.00} ( one charge for {$70.00} on XX/XX/XXXX and XXXX charges totaling {$490.00} on XX/XX/XXXX ), and I had a {$2.00} balance when the bank closed my account. I will probably incur other damages in the form of financial transaction fees as a result of the bank 's delay and improper denial, but I wo n't make a claim for that if I can resolve this without going to court. I want an immediate direct deposit into my account at another bank ( this bank can leave my account closed for all I care -- -I will never do business with it again ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the highest balance is inaccurate, and the date last reported is accurate. This is ground for removal.

T hey also violated my rights under 15 U.S.C 1681 Section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer