23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My line of credit was being modified in XXXX of 2016. The modification was complete on or about XXXX, 2016. During this period I made payments. My bank - PNC Corp however reported that I did not pay and that my loan - line of credit was delinquent. I reported this to the credit reporting agency as well as PNC bank. So far it has not been resolved as I have gotten the run around by PNC transfered to several people then back to XXXX XXXX, PNC bank rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting late payments to my credit. Ive tried having them remove the last payments they will not. I was not late on any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing inaccurate info on my credit report an I ask credit bureaus to delete any inaccurate info on my report an it was not legally deleted instead after each dispute my reports came back as verified and accurate. I want to know how could the be when the accounts I am referring to are charged off accounts that is reporting a balance, that a clear violation of the FCRA. I also sent an FTC report to prove the account wasn't mine an yet the XXXX bureaus still state that the account are accurate but still reporting inaccurate info to my reports. 


Company or Organization : XXXX XXXX Account Number : XXXX amount- {$270.00} Company or Organization : XXXX XXXX Account Number : XXXX amount- {$150.00}
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the account listed below which are reporting inaccurately due to incorrect credit information, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the account as it is incorrect credit report entries & was opened without my consent or knowledge : XXXX XXXX Balance : {$0.00}. If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account that bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit information. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Vehicle loan or lease

I first called into Ford Credit on XX/XX/2020 about extra fees being past due on my account. I keep getting the run a way. They keep saying theyre working on the account, but updating it incorrectly. They updated my account as 90 days past due for the last two years payment history. I want this entire account deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute-Hard Inquiries : XXXX  XXXX Explanation of dispute-Decline letter from XXXX on XXXX XXXX prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs.

Called Experian for inaccurate inquiries/other inaccuracies- Experian took few disputes on phone, stated I had to call companies re : hard inquiries. 

XXXX XXXX couldnt be reached via phone- Sent email- Both responses were erroneous. 1stt response claimed an open acct found in my name- Clearly demonstrated inability to fairly verify accurate information, unable to report accurate info, & instructed to file a police report-I had no legal grounds to do as there is NO OPEN acc w/ XXXX XXXX XXXX only an unauthorized hard inquiry. 2nd response, found an application associated with your infor. Luckily, there was no acct created in your name. However, there was an app that was marked as fraudulent & has been blocked. Thank you again for bringing this to our attention. Said call Experian. If what XXXX XXXX alleges actually happened, by law I should have been notified- XXXX XXXX sent 0 notification of its claims. XXXX XXXX clearly demonstrates wantonness.responses that induced stress & negatively affected my credit file. 

Neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and Experian tells me to call the furnishers, they cant do anything. Experian makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.
Product: Credit card or prepaid card

My bank has been having problems with automated payments to my credit card company - cancelling them because of the amounts involved in concerns for fraud. I am able to make manual payments on my card. Because the automated payment is returning each month, the credit card company is putting a 7-day payment hold on ALL payments made to them. On top of this, when an automated payment is made, I can't pay any amount on the card until the original payment has failed because I'm not allowed to pay above the balance on the account. I have discussed with customer service the situation several times and they refuse to acknowledge that the automated payments are the ones failing and the manual payments are all going through. They refuse to release payment holds on the credit card. 

The problem this causes is that the CC account shows it is under the credit limit but on some internal system goes over its credit limit and the card is declined. The account balance on the card remains low ( showing on all services and in automated customer service system as paid ) while the customer service representatives report the balance as over the limit ( showing as not paid ). 

This is the card which I have signed up all recurring service charges to - phone, security, alarm services, insurance billing, etc. These are highly important charges to go through and because of this situation with the CC, I am regularly having to call customer service for each of these services to fix the failed payments. 

I have requested that the credit card company provide any possible mechanism to make the CC functional again. Releasing the payment hold on manual payments was refused. Increasing the CC limit was refused. Speaking with someone else was refused. They refused to provide me with a notification when the internal CC limit was being approached so that I could avoid it going over. They refused to make it possible to pay over the account balance during an automatic payment. The closest I have come to a resolution was after offering to send in a bank statement showing the transaction, they said that they would review it and it was in their discretion whether or not to release the payment hold. 

I have been working with my bank to fix the automatic payment issue, and hope that it will be resolved soon. The refusal of the CC company to find a way to have the CC be functional is a massive headache and not providing the service for which I signed up.
Product: Payday loan, title loan, personal loan, or advance loan

I owe a debt to XXXX XXXX and had automatic payments going to that debt. After a time the automatic payments stopped and I did not realize it for months so I called XXXX to setup a new payment plan. When I spoke with a representative at XXXX they informed me that in order to make a payment plan I would need to work with a third party for the payment plan and that I would receive a letter in the mail with instructions on how to call the company and set up payments. They notified me that they would need to provide the company with my social security number which seemed odd, but I didn't think anything of it at the time. On XX/XX/year> I received a letter in the mail from Commerce Bank dated XX/XX/year>. The letter was to informed me that a XXXX XXXX  XXXX account was established in my name and according to the agreement they sent with it, is classified as a line of credit. I did not agree to any loans being opened in my name verbally and I did not sign any documents either. On XX/XX/year> at XXXX est I contacted Commerce Bank at their service number XXXX and notified them that I do not agree to their terms and to cancel the loan. They stated they are doing so, I will get a letter within 25 days stating as much and that this is being sent back to XXXX. I can't imagine XXXX can legal open up loans in my name without my permission and that is the purpose of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had a XXXX XXXX  XXXX XXXX account that went into charge off. I settled and paid XXXX XXXX  and received a 1099C tax form for the amount I had saved. To date XXXX XXXX is still reporting this account as a charge off with the full balance. I have written to them and all 3 credit bureaus in XXXX, XXXX, XXXX and XXXX of XXXX and have received no resolution. The balance needs to be updated to XXXX and reported as a paid charge off.
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 items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items 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 items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX A CONSUMER HAS ASKED THE 3 MAJOR CREDICT REPORTING AGENCIES TO UPDATE AND CORRECT THE INACCURATE, INCOMPLETE, AND INCORRECT INFORMATION SHOWING ON MY CREDICT REPORTS. I HAVE SENT LETTERS ON SEVERAL DATES XXXX. XXXX EQUIFAX AND XXXX HAVE COMPLETELY DISOBEYED FCRA THEY HAVE NOT REMOVED PERSONAL INFORMATION THAT NEEDS TO BE REMOVED IMMEDIATELY. XXXX, EQUIFAX, AND XXXX HAVE NOT MARKED ACCOUNTS AS DISPUTED. SO, IM REQUESTING THAT THEY DELETE ALL THE FOLLOWING ACCOUNTS AND INQUIRIES FROM MY CREDICT REPORT IMMEDIATELY.
Product: Vehicle loan or lease

Americas Car-Mart at the XXXX  locations are selling cars without titles, not filing registration title paperwork and forging signatures to complete the work. They had a compliance team scrambling to complete title work. They were forging signatures to complete everything they couldnt get completed. This is known to be done at the XXXX lot as well. They are also signing customers up for tax payments without customers knowing to keep payments low and refinancing the loan when it comes due.
Product: Checking or savings account

Regarding the wells fargo settlement I feel I might be a victim Been with wells fargo since XXXX. From XXXX was told we had to open several accounts with balances in order to avoid fees on certain other accounts which were all at some point assessed fees anyway. Involves many many various open and since closed accounts
Product: Credit card or prepaid card

On XX/XX/XXXX, I woke to find an alert from my my primary banking institution XXXX  XXXX XXXX that an Electronic draft of {$27000.00} was deducted from Chase from my checking on XX/XX/XXXX. The next alert was that my account was overdrawn by {$25000.00}. 
I quickly called XXXX XXXX XXXX to find out what had happened. Chase had auto debited {$27000.00} from my checking as payment toward a credit card I had with them. There was nothing XXXX XXXX XXXX could do. The payment would ultimately be rejected for insufficient funds but it would take a could of days for this to process. In the meantime my checking account would remain overdrawn and any pills I had scheduled to pay would incur a fee for insufficient funds, not to mention I had no cash at all until this could get sorted out. XXXX XXXX XXXX advised me to speak with Chase to get the payment halted or reversed. 

I reached out to Chase to inquire by the auto debit happened. At first the customer rep told me it was because I opted in for auto pay of my statement balance in XXXX. In which I explained to here, if that was true, I didnt spend XXXX this past month. While I was on the phone I searched my statements and documents from Chase there was not notice of me opting in and authorizing auto debit. Only notice I was able to find was my authorization of a payment for this credit card for {$800.00} on XXXX. 
I was told by Chase besides canceling auto pay, they could not stop the payment or reverse it until the amount was processed by XXXX XXXX XXXX and rejected. 
I asked to speak to a supervisor or a manager. I explained my situation and was put on hold upon coming back I was told that on XX/XX/XXXX I authorize an auto payment of my statement balance. I told him this was highly unlikely as on XX/XX/XXXX I had just made a large payment towards that credit card and for me to log back in three days later to make another payment would be highly unlikely.

I also asked about why there was no notification of the auto payment in which there was no answer for. I then asked for records of what device or IP address of what computer authorize the auto payment and I demanded an investigation be conducted. 
At the end of the day I checked the statements and documents of my Chase credit card. There was only one document and it was the cancellation of my auto payment. If a notice of a cancellation of auto payment is generated in the system to be delivered to me, how come there is no documentation of me authorizing an auto payment of my statement balance in the system? 

Leave my taxes are due on Monday until this is sorted out I have no money to pay my taxes which leaves me in a horrible predicament. How could something like this happen? Ive always paid my bills on time and been financially responsible and now because of a mistake by Chase, I will be incurring fees or over drawing my account and for insufficient funds For any payments that can not go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CALLED AND SENT EQUIFAX DOCUMENTS IN REGARDS TO A NEW XXXX XXXXL ACCOUNT- ( XXXX XXXX XXXX  ) ACCOUNT NUMBER XXXX..

I HAVE SPOKEN TO EVERY DEPARTMENT AT EQUIFAX OVER THE LAST SEVERAL MONTH 'S AND SENSE EQUIFAX OUT SOURCES ITS DISPUTES ITS HARD TO GET A STRAIGHT ANSWER WHEN YOU CALL IN YOU GET TRANSFERRED NUMEROUS TIMES TO DIFFERENT DEPARMENT 'S AND EVERY DEPARTMENT PUSTS YOUR FILE IN DISPUTE AGAIN THEY EVEN START DISPUTES IF XXXX  OR XXXX  INITIATE A DISPUTE IN THERE DATA BASE, I HAVE PROVIDED EQUIFAX WITH ALL THE PROPER DOCUMENTS TO GET THIS ACCOUNT BLOCKED AND REMOVED ACCORDING TO FCRA, AND YET THEY HAVE IGNORED MY CONCERNS AND PUT THIS ( XXXX XXXX ACCOUNT # XXXX BACK IN DISPUTE AGAIN.. I HAD ONE ANALYST TELL THIS ITEM WOULD BE REMOVED WITHIN 48 HOURS GAVE A CONFIRMATION NUMBER TO ONLY MISLEAD ME AND BUT THIS ACCOUNT IN DISPUTE AGAIN ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reports that the mortgage loan is a student loan, and it is not. 
I don't have any student loans.
Product: Debt collection

In XX/XX/XXXX I signed a contract for a loan for XXXX. I knew the interest was high but I planned on buying it out after three months. When I called to buy out the loan I was told it was over 2000. That was because the representative gave me the amount I owed if I paid month to month. Ex if I paid XXXX per month for 20 months I would have paid XXXX. I read my contract and called again because it was only supposed to be XXXX. When I called and asked again they said that it was still 2000 and my early buyout in my contract was an estimate. I have refused payment since XX/XX/XXXX and I contacted them after I realized that they broke the fdcpa. They now want me to pay XXXX for late fees and past payments when my account would have already been closed if they followed contract. They have been sued before for violating the fdcpa and get complaints on the daily. This could have been a good experience if they didnt lie to try and con me and tried to come up with a resolution since they cant agree to mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft my phone number, cards social security number and other things was solid to someone on the dark web and I was a victim of security breach with reporting agency. I filed a report with the federal trade commission and let the credit bureaus and credit card company XXXX know and attached the report to my dispute. all but Experian has not removed the cbna account from my report. I filed disputes attaching the FTC identity theft report and still its not been removed from Experian
Product: Debt collection

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP REPORTING IMMEDIATELY! Furthermore just for the record as per  73 Am Jur, 2nd, Section 90 AR Resource  has no right to " subrogate ''  (  substitute ) yourselves into a contract, whether it is by purchase, assignment, transfer, or trade. If  AR Resource  " bought '' the debt, AR  Resource  did it on their own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction ''  (  voluntary payee ). AR Resource clearly violates  HIPAA, if AR Resource  refuses to delete all information you have furnished to any and all credit bureaus, and AR  Resource  must destroy any information about any alleged account they claim to have with me, to prevent your company from pursuing any more collection activity against me, and if A R Resource s hould sell, assign, transfer or trade the alleged account to some other entity to attempt collection, I will also file a formal complaint to the Departme nt of Health and Human Services and the  Office of Civil Rights against AR  Resource..
Product: Credit card

I opened a credit card with American Express and they gave me a limit of {$10000.00}. They asked if i would like to add a family member 's name to the account and have a card sent out to her ( my wife ). They said on the online form that they needed her SSN and that they would not run it, just have it on file for identification purposes. A few months later they arbitrarily reduced my credit limit by {$6000.00} and said that I was carrying too many cards with high balances. I only have 2 other cards and and the limits on those are {$4000.00} and {$500.00}. Then It turns out that they 've run my wife ' credit without her permission and have somehow used her credit score to reduce mine AND reduce my limit. Her credit score has taken a hit, and they 're reporting that she has a balance with them of {$2700.00} ( having never even spoken with them ).
Product: Checking or savings account

I made a payment of {$5400.00} to XXXX XXXX on XX/XX/2020 and they are saying that they never received the payment. The employee ID number of the customer service representative alleging this is XXXX. His name is XXXX  XXXX. His location is XXXX, XXXX.
Product: Debt collection

I just was informed of a garnishment of wages for a bad check that was written in XXXX for {$25.00}. I'm almost certain this debt was already paid, but am having a difficult time proving that as the debt was passed around multiple times and the last communication that was sent was more than 10 years ago. My issue is the following : If the law only requires a debt collector to send notice to a last known address, should that not have been addressed or updated once they found my place of employment in another state on the opposite side of the country? Common sense tells me that if they can find out where I work to garnish wages 15 years after the fact, they could then find me to notify me of said debt before proceeding with a garnishment. Their last known address was an address in XXXX, XXXX, where I have not lived since XXXX. I have resided in XXXX, XXXX  since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please CFPB please forward the documents to Onemain Financial. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Checking or savings account

Capital One Bank has had a system issue that is causing direct deposits from hitting my bank accounts. Normally not a big deal but for a fortune XXXX company thats not able to fix a problem in a few hours much less XXXX, THREE, days is unacceptable.