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

Dates include : XX/XX/2018 Amounts : {$1200.00} Actions that were taken by the company : False and misleading information listed on my credit report. The information displayed is not Fair and equitable to me. I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to validate and verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective federal agency. 
I am requesting that XXXX XXXX XXXX  presents debt validation, debt verification, Original Instrument, proof of owernship, as well as the bonding agent in case a suit has to be recorded in federal court. Did XXXX XXXXXXXX XXXX  creat a 1099-C on this account? This Company listed above is held liable for identify thief. If XXXX XXXXXXXX XXXX  does Not send me anything back it stands that you have Accepted my offer and moving forward also applying the Above Instructions.
Product: Credit card or prepaid card

I have several balances on a Wells Fargo credit card which were can advances with 0 % interest. I was under the assumption when I make payments it went to the oldest advance first. I find out after making a payment to pay off an expiring 0 % rate that I had to wait a day after the expiration to pay it if I wanted my balance paid off. So paying ahead of the expiration they were splitting my payments to the several advances not putting it toward the oldest advance first. I never knew this and didn't realize it until I saw an interest charge this month. 

I contacted Wells Fargo who said that's how they do it. So they do it to make themselves richer while people think they are paying off the oldest first. They are not willing to change it, I feel scanned by this unethical practice. They should be held to a standard to help people not hurt them. Something needs to be done about this type of scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Students loans duplicated and were paid off showing on credit sent dispute to have them removed. Still showing need to be removed. 

XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$750.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX are reporting a debt to my report without my my consent. they are doing this without my written instruction. they continue to violate my privacy rights. Niether of these companies have certificate of authority to transact business in Michigan. They are not showing me any contract that shows i owe anything and if they did it would be an admission of violating multitudes of state and federal law without penalties and liabilities well over XXXX dollars. this violates the XXXX, FDCPA, GLBA, FACTA, Post Office Act. Wire Fraud Act. that's just the start. there's also multitudes of state law and public policy in violation.

In addition The Fair Credit Reporting Act states multiple times the importance due diligence, accuracy and the grave responsibility of reporting agencies. this information is inaccurate illegal and must be removed promptly in accordance with the law.
Product: Consumer Loan

PayPal signed me up for a loan when I thought I was paying for some goods with my checking account. I did not want to open a credit account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months, I couldn't manage my credit freeze online despite the account seemingly being in a working state. I called multiple times and nobody could fix my account, which means I can't manage my credit freeze with this company. I verify successfully everything multiple times on the phone and was asked to " follow procedure '' and mail or fax them more verification documents. Tried to escalate multiple times to " supervisors '' and was on the line for 1.5+ hours. Worst service ever and nobody cares. The last call was today ( XX/XX/2020 )
Product: Mortgage

My credit report has been incorrect for years. Each time that I move or get a new apartment, the same information appears. Each time it is corrected and the corrections are never applied. 

I sold my house in XXXX of last year. I had equity and it was wired to my new bank? Why do you still list me as paying a mortgage? 

I have not had a credit card since 2018. You have me listed for student and car loans. They are incorrect. 

I have complained numerous times and NOTHING EVER GETS FIXED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX, and TransUnion and they are have not responded within the 30 days reply period regarding the inaccurate information being reported on my credit report below : XXXX XXXX XXXX XXXX XXXX, MD XXXX Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. To date, I have not yet received a response from any of the companies. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the inaccurate information. If they fail to do so, they are violating my rights under the Fair Credit Reporting Act.
Product: Bank account or service

I have a Bank of America Credit card. With that card I had a cash advance balance at one higher interest rate and a lower rate on my purchases. I noticed that the cash advance balance was going up instead of down and what I determined is that when they get my minimum payment they take all of the payment and pay the interest charges out for the lower interest purchases first and then they take the rest of the payment and apply it to the principal. That means that the interest accrued on the higher category cash advance is added to that higher rate principal balance as if I 'm not paying anything on the interest of the higher rate balance. Is this even legal to not take the interest rate charges out of a payment but apply it to the lower principal before paying off the interest charges first? If it 's not illegal, it 's at least misleading in how credit card interest rate charges get accounted for. 

Thank you for your help!
Product: Credit reporting or other personal consumer reports

I visited the Experian website to see if my credit was frozen. After this visit, I saw charges on my credit card for credit report services of {$27.00} per month. I attempted to contact Experian using the phone number provided ( XXXX ) to find out what the charges were for. That is an automated line that will not let you dispute a charge from Experian or connect you to someone who can help. 
I went online to see what the alleged services were, and there is nowhere on the website, after signing in, that shows what you are being charged for or how to stop it. 
I believe that Experian began charging me when I checked my credit freeze status and then intentionally made it impossible to find out what the charges were and how to stop them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Dear XXXX XXXX, On XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) received notice regarding your complaint filed through the Consumer Financial Protection Bureau ( CFPB ). XXXX would like to thank you for the opportunity to address your concerns outlined in the complaint. XXXX success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response. XXXX has thoroughly investigated your complaint, responded to the CFPB, and made the following determination. On XX/XX/XXXX, you signed a Retail Installment Sale Contract Simple Finance Charge ( WithXX/XX/XXXX ) ( Contract ) for the purchase of the XXXX XXXX XXXX ( VIN # XXXX ) ( Vehicle ) with XXXX XXXX XXXX ( Dealer ), which was later assigned to XXXX where it was ascribed an account number of XXXX ( Account ). The Contract payment schedule stated 72 monthly payments of {$460.00} beginning XX/XX/XXXX. Regarding your credit reporting, XXXX is bound by the Fair Credit Reporting Act which requires all accounts to be reported accurately to the Credit Reporting Agencies ( CRAs ). Account information is furnished to the CRAs every month and will reflect the status of the Account at the time of reporting. Exeters records were reviewed, and it has been confirmed that the information reported to the CRAs was accurate. As such, no adjustments are necessary. Any discrepancies between the information reported by XXXX and what is reflected on your credit file will need to be addressed by the CRAs directly as each reporting agency is governed by their own guidelines and procedures. On XX/XX/XXXX, your Account was sold and is now serviced by XXXX XXXX XXXX XXXX XXXX ( XXXX ). We are unable to act with respect to this Account regarding any matters that occurred after the sale of this debt. You would need to contact XXXX at ( XXXX ) XXXX to discuss any updates regarding their tradeline. Included with this response is a copy of your executed Contract and the Transfer of Account Ownership letter that was originally mailed to you on XX/XX/XXXX. We trust this response answers any questions associated with the complaint. For any questions about these or any other concerns, we encourage you to contact the XXXX XXXX XXXX XXXX at XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attachments Transfer of Account Ownership Letter XXXX XXXXpdf ( 2.1 MB ) Contract.pdf ( 544.5 KB ) Feedback requested Status Feedback requested on XX/XX/XXXX Feedback due XX/XX/XXXX Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from the company 's response to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPB work with consumer complaints. 

Closed The CFPB has closed your complaint. 
Privacy Act Statement OMBXX/XX/XXXXXXXX Note on user experience Have a question? Preguntas? 
( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by XXXX, and XXXX XXXX XXXX to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights
Product: Debt collection

Received a correspondence on XXXX/XXXX/XXXX from collection agency on a red light camera ticket from XXXX, apparently issued by XXXX County, NY. They can provide no information regarding the debt, including payments already made. When I called to inquire, the responded that they did an audit and found accounts that still owed fees. I expressed my concern that they could n't provide any information regarding payments I made in XXXX, and that this occurred almost three years ago. In addition, when i indicated that I would speak directly to XXXX County the ticketing entity, she replied they wo n't help you, they will just send you back to us, but go ahead and call them.
Product: Debt collection

do not recognize this account and i have been impacted by covid 19
Product: Money transfer, virtual currency, or money service

Check cashing place is sharing my financial information federal and state with telemarketing. Fraudulent td bank account. Took my stimulus payment.
Product: Debt collection

Received notification that collection account was placed on credit file. No validation of debt received to date. This is in violation of the FCRA standards.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct # XXXX I originally disputed the information in XXXX concerning this account. The company responded as verified and accurate. I later contacted the XXXX to work out an arrangement. We came to an agreement concerning this account. After several months of contacting the credit bureaus due to the inaccuracy of reporting this account, I would like this account deleted from my file. 

Included are my documents proving that the credit bureau willfully continues to report incorrect information damaging my credit worthiness. The first page is the settlement offer which I accepted on XX/XX/XXXX. The second page is taken from my XXXX report dated XX/XX/XXXX. The third and fourth page is from XXXX datedXX/XX/XXXXThe fifth is Experian dated XX/XX/XXXX. As you can see, there is no attempt to report the status, grid or comments correctly. There are also gaps in the grids and failure to include date of last activity. 

The second attachment is proof that I did pay XXXX. I included both pages of my statement for completeness. On the second page, you can clearly see that on XX/XX/XXXX, the payment was made to XXXX. If you wish, you are more than welcome to verify this with them. 

Under FCRA Section 623, the credit bureau refuses to correct inaccurate information and I do not wish to seek damages at this time. However, I would like this account deleted immediately.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This month, I received an email from Apple Card that my account was closed due to violations of service agreement. 

I have made my payments in full on time every month, did not make invalid purchases I need help reopening
Product: Debt collection

Equifax and XXXX is allowing false/illegal reporting. XXXX XXXX XXXX XXXX is trying to collect a debt for XXXX XXXX. I have disputed this debt because its not mine. Equifax and XXXX says the debt is mine but the collection agency only provided them with a itemized bill with only a name that matches mine. There is no birthdate, SS number, no breakdown of what is owed and no handwritten signature. This is illegal reporting. XXXX even deleted because there is no evidence that this debt belongs to me. The itemized bill that the company sent as proof has my name but incorrect address, and incorrect email. I never attended XXXX XXXX and this debt needs to be removed for illegal reporting.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX XXXX  CST, I received an email from Discover  telling me that they closed my credit account. I was confused and concerned. I was a Discover cardholder since XXXX and have never been late on a payment. 

On XX/XX/XXXX at XXXX XXXX  CST, I called the number listed on the email to find out exactly why my account was closed and to try to get the decision reversed based on my length of account and perfect payment history. I spoke to a representative in Utah who told me that they closed my account due to non-use, which was the main factor. The last time I made a payment to pay my card off in full was XX/XX/XXXX, so it hadn't been used in 7 months. I pleaded with the representative and reminded them about my history with the bank and never missing a payment. The representative was apathetic and told me that they can't reverse the decision. I explained that there have been several periods during the last 12 years where I have gone much longer without any card use and never had this happen before. The representative would only say that their non-usage periods change. At the end of the call, the representative said that I could re-apply. This made no sense to me because I already was approved and had the account for 12 years plus it would drop my score for unnecessarily going through the entire process again. 

I have other credit cards with other companies and I have received notifications in advance about non-use and that I would need to use the card soon to avoid account closure. Discover should have done this, especially if the non-use period keeps changing. Discover has effectively wiped {$15000.00} worth of available credit which will tank my credit score for no good reason. We are in the middle of a pandemic and with the uncertainty of everything going, the last thing you want to do is close the account of a customer who was responsible with their credit and never missed a payment. 

All I am asking for is that my credit account and line be restored as it shouldn't have been closed. I also want Discover to do the responsible thing and notify customers when they are approaching their arbitrary non-use time limit which would avoid all of this in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Avant that they sold in 2016. They are still reporting that the loan is 120days past due. They do not have any business with me right now. The loan shows a {$0.00} balance but they are reporting it as 120 days old. I have tried to contact them and the credit bureaus but they refuse to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to obtain a copy of my free annual credit report from Equifax. Have requested two times in XX/XX/2018 ( XX/XX/XXXX and XXXX XXXX ) and still have not received a copy
Product: Vehicle loan or lease

I got an XXXX XXXX in XXXX and a couple months ago I had a check engine light come on. I took it to get it checked and it said I had a bad transmission solenoid. I cant just replace the solenoid because of the part and the car so I either A. Got ta pay for a new/used transmission or B. Get a new valve body on the car. Either one is fine both cost over XXXX to fix. I asked my lender if I can trade the car in before its a total loss or get help fixing it so I can still use it. Got denied both because they are saying they are just the lenders and cant do anything and dealership didnt give warranty on car so its at a shop waiting to get fixed. I want to keep the car and fix it but I just dont have XXXX laying around to fix it.
Product: Credit card

My wife was checking our home email and noticed 2 emails from Chase. One email was notification of changing my contact information, the other stated that the credit card application was pending. I immediately called Chase and spoke with their Fraud department to inform them that I had not applied for a credit card with them. They informed me that the application had been denied and that I should file a Identity Theft claim. I asked them to provide me with the name of the person ( s ) who had applied for the card and was told that I had to send them a letter requesting this information and to include a photograph of either my driving license or passport.

I explained that this was ridiculous since I was only asking for information that pertained to my credit. Chase said they would be sending an Identity Theft Kit to our address and it explained all that was needed. I then text a police investigator that is looking into a Scam matter for me, and he said that I should try and get as much information as possible. Luckily we have frozen our credit and also blocked our credit cards, which contributed to the application being denied. I am now filing a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.

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