23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a current account with XXXX XXXX XXXX  and was not informed my previous address had fees owed. I had paperless billing but was not emailed, called or mailed a bill due. I have auto pay set up with XXXX XXXX XXXX The debt collection company did not notify me by mail email or phone call that this was a debt sent to them. They did not notify me of my right to dispute. When asked if they could verify debt I was hung up on after being yelled at.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting an installment account XXXX on XXXX as a closed account with open date of XXXX high balance of {$750.00} with a date reported of XXXX with zero late payments. The same XXXX XXXX XXXX XXXX is reporting an installment account XXXX on Experian with XXXX XXXX XXXX high balance of {$750.00} with a date reported if XXXX with 3 late payments for XXXX, XXXX, XX/XX/2018. I am requesting that these account be investigated, so that the negative and stressful impacts done to my credit report be corrected and updated. 

XXXX XXXX XXXX XXXX is also reporting Installment loan with past due balance of {$150.00} high balance of {$730.00} is reporting inconsistent information to XXXX and Experian such as incorrect open date and XXXX late payments on Experian but none of XXXX XXXX XXXX XXXX XXXX is also reporting a revolving account XXXX credit limit of {$250.00} with a high balance of {$450.00} is reporting inconsistent information with XXXX and Experian. Seem to be reporting false and inaccurate late payments. 


To be in compliance with Fair Credit Reporting Act Section 607 - 15 U.S Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also in the FRCA law Section 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] this company should be held liable for {$1000.00} made payable to me.
Product: Credit card or prepaid card

XXXX XXXX decided to get a credit card from their website somebody open a credit line under my name
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX LA XXXX XXXX Owed XXXX {$150.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$90.00}
Product: Debt collection

I was on a payment arrangement with XXXX to clear a balance owed. I never missed a payment on the arrangement with XXXX because it was setup on auto payment. During my repayment plan I was assured that my balance would not be forwarded to a collection agency. On XX/XX/XXXX my final payment of {$37.00} was auto debited from my bank account. Then on XX/XX/XXXX I received a notice from XXXX XXXX XXXX stating I owed {$30.00}. When I inquired about the {$30.00} I was told it was a payment plan fee from XXXX and that I owed the amount. It was never communicated to me by XXXX that a payment plan fee was owed. This collection from XXXX XXXX XXXX has since been placed on my report reports unfairly. I went ahead and paid the {$30.00} fee because I wanted to resolve the issue, but it was never communicated to me that I owed a fee and XXXX confirmed that my account didn't go to collections. I've tried several times to have XXXX correct with issue with XXXX XXXX XXXX so they can remove the info from my credit reports. This negative credit reporting is creating a hardship for me and it should have never been reported based on all communications from XXXX.
Product: Mortgage

I tried to make a payment on the XXXX XXXX and their internet page wouldn't let me make the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 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 XXXX XXXX XXXX
Product: Debt collection

I rented a car from XXXX XXXX in XXXX and returned it in good condition in XXXX debt paid in full. ( if it wasnt paid I could not work with XXXX until it was paid and thats who Im working for as of today since XXXX ) I received a letter requesting payment of XXXX. On XXXX XXXX, I sent a demand letter certified asking for proof of alleged debt and verification and documentation of who and why I owe this amount. I got no response. On XX/XX/XXXX I received another letter offering a settlement of XXXX. This company has fail to provide proof of this Debt. All payments for the car I leased through uber was paid on time taken out on my earnings every week. I do not owe them Please help!
Product: Credit reporting or other personal consumer reports

Equifax has incorrect information on my credit report as a collection that was not owed. 
Balances of credit cards paid off. 
Address not correct Phone numbers not correct Various errors Data Breach in which Equifax has yet to provide any up to date credit report current with all the pages. 

Have requested a full credit report by law and Equifax has yet to provide such credit report Equifax has to many Breaches placing false information not correct as phone numbers, address with no proof of any Mortgage, Lease, or any loan taking out. 

Equifax needs to provide documents of errors that is place on my credit file.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> TransUnion
Product: Mortgage

On XX/XX/2020, New Res debited from my checking account a final loan payment in the amount of {$1100.00}. My principal balance was {$710.00}. On XX/XX/2020, I sent a message to the NewRes servicing department to confirm that when the final payment was received, they would pay the loan off and any overage would be returned to me. On XX/XX/2020, I sent a written request via their customer service email, requesting that they apply the {$1100.00} they were holding in unapplied to my loan, pay it off, and refund me the difference back. I received no response. On XX/XX/2020, I contacted NewRes via phone to request they apply the {$1100.00} they were holding in unapplied to my loan, pay it off, and refund me the difference back. They assured me it would be taken care of before XX/XX/2020. On XX/XX/2020, I contacted NewRes via phone to again request they apply the {$1100.00} they were holding in unapplied to my loan, pay it off, and refund me the difference back. They apologized for the delay, but assured me it would be taken care of before XX/XX/2020. 
As of XX/XX/2020 at XXXX XXXX XXXX, my loan is not paid off. At this point, NewRes is currently in violation of the Federal Prompt Crediting Rule. More than sufficient funds have been collected by  them, but they refuse to apply these funds to my loan.
Product: Vehicle loan or lease

XXXX XXXX XXXX and Westlake Financial committed fraud said I had to put {$9200.00} down payment to get financing through Westlake financial. 15 U.S Code 1605 ( a ) ( a ) " FINANCE CHARGE '' DEFINED Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of. all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. Also violated TILA laws The Truth in Lending Act ( TILA ) is a federal law designed to protect consumers in their dealings with lenders and creditors. Here are five common dealer fraud violations under TILA : 1. Inadequate Disclosure : One of the main purposes of TILA is to require lenders to provide clear, detailed disclosures about the terms and costs of loans. Failure to provide these disclosures or providing incorrect or misleading information can be a violation of the Act.

2. Incorrect APR Calculation : The Act requires lenders to disclose the Annual Percentage Rate ( APR ) of a loan. This should include not just the interest rate, but also other costs and fees associated with the loan. Providing an incorrect APR can be a violation.

3. Bait and Switch Tactics : This involves advertising a loan product with attractive terms to lure customers, but then offering a different product with less favorable terms when the customer applies. This can be a violation of TILA.

4. Loan Flipping : This is a practice where a lender encourages a borrower to refinance their loan repeatedly, often with additional fees each time. This can be a violation of TILA as it can lead to a cycle of debt for the borrower.

5. Predatory Lending Practices : This can include a variety of deceptive or unfair practices, such as charging excessive fees, lending to borrowers without regard to their ability to repay the loan, or targeting vulnerable consumers with high-cost loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency XXXX XXXXXXXX XXXX has agreed I do not owe this debt. They also stated they notified the credit reporting agencies. I need this to be removed from my profile ASAP. I've been saying for the last year that I did not owe this company anything. Also I received a letter from the company stating they were reporting unverified information. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Debt collection

I received an alert from my credit monitoring system saying that a collection had been placed on my credit recently. Once I was able to locate the collections and find out who it was from I tried contacting and got no response. It is in the amount of {$880.00} from a medical bill that was covered by my personal insurance as well as a victims advocate group for a XXXX XXXX. They have placed this negatively on my credit and are refusing to remove even with police reports, proof from Insurance payments as well as a letter from the victims advocate. I want this negative marks removed from all three of my credit bureaus ASAP. I have never had any kind of negative marks placed on there until AR RESOURCES placed this upon my credit. They are stating that bills were sent to me which were sent to an address I have not lived at in almost 9 months. And this is not something I should be responsible for as a victim. That is the whole reason that victims advocate group step up and take care of medical expenses when someone is XXXX any public location.
Product: Credit card or prepaid card

A credit card to Capital One was applied for in my name. I received a hard inquiry alert for Capital One on XX/XX/2023. On Wednesday, XX/XX/2023, I received the credit card in the mail. I then called Capital One to report the card was opened fraudulently in my name. Capital One closed the account.
Product: Credit card or prepaid card

On XXXX XXXX 2021 my balance was {$1800.00}. I paid the balance in full, and I called Comenity Capital Bank XXXX XXXX powerup rewards credit card to close my account and received an email stating that my account was closed. They did not close the account and they have been charging me interest on it. what they are trying to do is nickel and dime me for chump change.
Product: Credit reporting

This is my 3rd request to have my state tax lien status reflected as " RELEASED ''. I disputed two previous reports hoping that it would display my status ; however, they are only displaying the date of the release but will not update the status as it is currently showing ( -- - ) in the status field.
Product: Payday loan, title loan, personal loan, or advance loan

This is an auto account. 
GM Financial reported to the credit bureaus that this is an installment account.
Product: Credit reporting or other personal consumer reports

RE : Discrepancy in Credit Report Listings XXXX  ( Account # XXXX ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( # XXXX ) across two major credit bureaus - XXXX  and Experian. My recent review of my credit reports revealed inconsistent information regarding the open date of this account. XXXX 's report shows an open date of XX/XX/XXXX, and Experian is reporting XX/XX/XXXX .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The XXXXongress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from Experian, XXXX and XXXX, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. Sincerely, XXXX XXXX
Product: Bank account or service

2 years ago I went to M & T bank to open a Bank deposit box -- I was told at that time I had to open a checking account to have the box. I disputed it but they insisted- we signed the basic paper work and since I need the box to store valuables belonging to my son while he was in XXXX I agreed. I started to wonder why I was getting charges greater than the cost of the XXXX XXXX XXXX When I accumulated the records I took it to the office and they told me it was a combination of insurance fees and late penalties-even though I paid for the box usually XXXX4 months in advance at the $ XXXX cost. I told them I never buy insurance but they insisted I did- I requested they show me the documents- they said they did n't have them and stalled so I reported it to the state XXXX office- all of a sudden they produced a document that had my initials stating I agreed to the insurance. I did n't but it was XXXX of those just initial here and here and here- and I did n't read the documents so I blamed myself for not being more careful, but I said I should n't have been charge late fees because the took the insurance payment out of my checking account and then my payment was short about XXXX or XXXX dollars causing what I assessed at approx. XXXX {$90.00} over all. I requested a refund and forwarded it to the XXXX 's office -- the bank eventually sent me a letter reiterating the information I already had-and basically said- this was the reply, have a nice day- notify our customer service dept if you have any issues. I replied that the initial complaint was to the customer service dept and that the letter was inadequate because all it did was state I had a box and resolved the insurance issue. However they did n't address the fact that I was lied to about having to have a credit account and that there were any late fees- No fee information was given to this date. I responded to the Banking industry and XXXX office again- but to date nothing and I believe they just logged it away. I am located in XXXX- the bank has its main office in XXXX so XXXX would do nothing- and XXXX just placated me with a 'have a nice day '' letter- Never did they address the failure to inform issue or the fees that I requested to be refunded. So unresolved issues are Denial of failure to disclose- unpublished fees for late payments- what constitutes a late payment and confirmation information of insurance that I had no idea I had, plus the fees that were charged that were never reimbursed
Product: Money transfer, virtual currency, or money service

I used my cashapp card to purchase a concert ticket. I closed my cashapp account XX/XX/year>. The concert was cancelled & my refund was issued to the card I used to purchase ticket which was the closed cashapp account. Cashapp has received the refund and is refusing to issue to refund to me
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally file a complaint regarding a breach of my protected financial aid records and other sensitive personal information. As a student borrower, my rights have been violated due to unauthorized access to my financial aid records, including but not limited to my Social Security number, banking information, and mailing address, without my consent. 
This breach has put my personal and financial security at risk. I became aware of this issue on [ date you discovered the breach ], when I was notified that unauthorized individuals had accessed my records, or when I noticed suspicious activity related to my financial aid or personal accounts. 
The specific violations I wish to bring to your attention include : XXXX. Unauthorized disclosure of my protected financial aid records to unauthorized individuals. 
XXXX. Compromise of my Social Security number, banking information, and mailing address without my consent. 
XXXX. Failure of the responsible entity to take adequate security measures to protect my sensitive data. 
This violation directly contravenes the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which mandates that educational institutions receiving federal funding must protect student records from unauthorized disclosure. The XXXXXXXX XXXX XXXX XXXX  XXXX for XXXX XXXX has consistently upheld that such breaches constitute serious violations, warranting immediate investigation and remedial action. 
Furthermore, I would like to bring to your attention the current members of the XXXX XXXX XXXX responsible for overseeing compliance in this domain, including XXXX XXXX of XXXX XXXX XXXX and key officials within the XXXX XXXX XXXX XXXX. Their oversight is critical in ensuring adherence to federal regulations protecting student borrowers. Additionally, allowing individuals such as XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX, XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX ( XXXXXXXX XXXX in the Office of the XXXX XXXX XXXX intern ) to have access to protected financial aid records violates XXXX. These individuals are not affiliated with the XXXX XXXX XXXX or any relevant federal agency and should not have access to sensitive student data. 
I respectfully request that [ XXXX XXXX ] conduct a thorough investigation into this matter and take appropriate actions to ensure compliance with relevant regulations. Additionally, I would like to be informed of the findings of this investigation and any corrective measures that will be implemented to prevent future occurrences. 
Thank you for your time and attention to this serious concern. I look forward to your response and to the necessary steps being taken to protect student borrowers sensitive information. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are failing to show the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX partial account number XXXX. ( I have attached screenshots from my credit report for reference. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Former complaint and it still isn't resolved with XXXX and Chase. Please see attached documents to add to my complaint. Chase is marking up my credit.
Product: Debt collection

Ive disputed this multiple times with credit bureau and this still remains on my credit. I have lived in the same place since XXXX. I did not apply for rental properties. So, here is my FTC identity theft report and my complaint from the CFPB.
Product: Money transfer, virtual currency, or money service

Tuesday thru Saturday I was to have my earnings posted on Daily Pay. Each time and day I called in I was given a different excuse as to why my available earnings have not been posted. Daily Pay also holds my regular pay for my payroll thru their bank, which is XXXX XXXX. Now the excuse they are sticking with is they have a system outage that has lasted since Thursday with no resolution time in place, yet I have not been paid even before the so-called " outage ''. They claim their system outage is to enhance our experience yet this enhancement is causing me not to get paid. It is the same verbiage and script that is given on each call or chat with again, no resolution in place. It will take a month for them to even have them removed and end business with them so my pay is tied up with them with an outage they have no clue as to when it will be fixed and I have bills to pay and need gas for work.