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

I have reached out to Equifax on XXXX separate occasions to remove and delete an inaccurate account that is reporting on my credit report. Both times their investigation results have come back as " verified as accurate '' for the account with XXXX XXXX XXXX XXXX acct # XXXX for {$3800.00}. They have never confirmed where this information has been verified as accurate. When reviewing the XXXX other reporting agencies ( XXXX and XXXX ), they have the same account listed with a late payment, however none of those dates match. XXXX has it listed as the late payment in XX/XX/2018. XXXX has it listed as late in XX/XX/2018. I have attached those reporting agency results below as well. Because they have not furnished accurate information, I have requested this account be removed. They have failed to do so. As a result, my credit score is impacted negatively.
Product: Credit card or prepaid card

Hello, I have a credit card with Barclays Bank. It is a XXXX Mastercard. While it was in my name, my ex husband ran up a ton of debt, than stopped paying it. I have been trying to pay it, and they will not allow me to. It is no longer at the collections agency so I can't pay them, nor does the original creditor have the account, so I can't pay them either. They are destroying my credit but will not allow me to fix it. My account is somewhere in limbo, and despite numerous phone calls to both the collection agency and creditor, I was still told that I can't pay this debt. It is unfair to ruin my credit when I am desperately trying to settle the debt owed. My credit has been destroyed, I can't get a mortgage, and despite every attempt on my part to fulfill my financial obligations, I keep hitting a wall. I even offered to pay the balance in full immediately, and they refused. I should not be held liable for this debt as I have no way of settling it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/22, I sent a letter for the inaccurate accounts on my credit report but I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account within 30 days gives me a reason to immediately correct the accounts on my credit report. They should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information, therefore, needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this accounts be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ..., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ....
Product: Debt collection

i tried to get the company to removed negative item from my credit report. as i dont owe the company attempting to collect. i have no contract with this company.
Product: Student loan

This loan was originally taken out in XX/XX/2007 and was used for XXXX at XXXX in XXXX, IN (now defunct) that I did not realize was unaccredited. I paid on the loan faithfully for a number of years until I filed a XXXX due to job loss. When I exited the XXXX I wished to repay this loan but was constantly told that it was still in XXXX. After over XXXX years of waiting and being told it was in XXXX they contacted me without notice and let me know the loan was past due and due to default. I almost didn't get enough to pay the payment. I also realized after looking on my account (after it was enabled) that the loan had incurred $XXXX dollars of interest and that they did not taken off my co-signer which was promised to me after paying the first year of the loan. I feel this loan is predatory and unethical and I'm not sure how I'm going to pay for it. With no options for Private Loans, it has become frustrating, and upsetting. I'm unsure how I'm going to move on with my life with this loan in its current state.
Product: Checking or savings account

On XX/XX/year>, I deposited {$3300.00} worth of checks into a Chase ATM. The ATM gave me an error message once I deposited the checks and claimed it did not process any of the checks I put into the machine. I then called Chase and filed a claim. On XX/XX/year> I heard back from Chase regarding my claim. The first person I spoke to notified me that all the checks had been lost and none of the deposit would be put in my account. I asked to speak to a supervisor, and he stated that " XXXX checks have been found for {$2600.00} ''. There are XXXX different Chase employees stating different values and I am still short {$670.00} from my initial deposit.
Product: Credit card

I, and my son who lives in the same household both applied for a promotional credit card offer from Bank of America last year on XX/XX/XXXX. We received mailed solicitation materials that included a toll-free number to call. We did and gained information about a promotion that would allow us to pay off some other interest bills or accounts, and would receive a 0 % interest rate on our balances until XXXX of XXXX. Well recently I noticed interest charges being billed on my account, so I finally found time to call in and inquire as to why. We both talked on the phone today to a very nice person, her name was XXXX XXXX. She says it was ok to use her name in our complaint. We asked XXXX, why were we being billed finance charges now since the XXXX Statements. after about an hour and a half of researching, she advised us that the person who completed our XXXX XXXX Loan application, should not have mailed us out what was called ( Access Checks ). Whis is what we did receive. She advised us that the checks ended the promotion earlier than if the representative had paid off the accounts for us. The promotion was supposed to run through XXXX of XXXX, but ended on XX/XX/XXXX, affecting our XXXX bills and thereafter. I advised her that was very disturbing because on my account it has caused some over charges of ( XXXX ) and XXXX on my sons account. The person who processed our promotion, had assured us the expiration would be in 18 months. I still have the promotional mailings sent to us. XXXX appolized that the person who helped us did not process the offer properly. She advised us that it should have been done either by phone or on line to pay of the debetors, but not by sending us the access checks. She said the access checks changed the timeing on the promotion.
Product: Student loan

My concern is that I thought I was paying my Federal Student Loans ( FFELP ) not private Navient Loans. I was totally unaware or see how my Students are no longer Federal. The originality of the loan was Federal. It is still titled as Federal and the interest rates are regulated by federal. How is this not included in the Covid-19 relief of not having to pay interest rates during the pandemic? This is truly a problem and criminal act that Navient is doing to its consumers. It has all the characteristics of a Federal Student Loan and should be treated just like the rest. Please look into to this matter and help make a change on how Navient is servicing its Student Loans.

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I file XXXX XXXX bankruptcy it was XXXX in XX/XX/2017 but XXXX XXXX XXXX keeps reporting negative even though there is no debt owe anymore yet its being reported in my credit report as late
Product: Money transfer, virtual currency, or money service

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

While checking my personal credit report, which I acquired fromExperian, XXXX, and XXXX. I noticed an UNAUTHORIZED inquiry made by your company XXXX XXXX  on XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Debt collection

A representative has only called me twice in the last 2 days, then called my former place of employment for a debt from 3 years ago that has long been since taken care of.
Product: Vehicle loan or lease

XXXX the motor went out in vehicle. I stayed in contact with Exeter finance about the vehicle getting towed and fixed. I requested they come pick the vehicle up, they declined. XX/XX/XXXX, I reached out to Exeter to let them know the vehicle was fixed and they offered me a payoff amount. They stated they would email the form for me to esign and pay money so that they could mail title. They repossessed the vehicle the same night when the forms was supposed to be sent. When I spoke to them again, they said the vehicle would be sold and whatever balance was left would be put on my credit report. As of XX/XX/XXXX, Exeter is charging me more than the vehicle was sold for and the amount is incorrect as well as the payment history they have.
Product: Checking or savings account

I returned the rental car to XXXX XXXXXXXX XXXX XXXXXXXX, and the agent told me the amount was {$300.00} some. I agreed to pay that amount, and that amount only. But after I handed the debit card to them, they changed me {$600.00} some without my permission, no verbal agreement, pin number or signature was provided to the merchant to authorize that transaction. 

I complained to their agent, and tried to dispute that transition with my bank-Wells Fargo , but the bank seemed like it was ok for them to take money out of my account without my permission. The amount that I didn't authorize was {$260.00} and was recently taken out of my account.
Product: Debt collection

I keep getting repeated calls from sunrise credit services and keep asking me to pay the xxxxx amount. I never receive any documentation that this debt have been validated. I get calls anywhere between morning and afternoon even if i'm at work i'm getting 4-5 times calls. I'm working hard with a credit repair services in regards with debt validation and disputes.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 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 : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Debt collection

Aidvantage has violated my rights under the FDCPA stating that I owe a debt that DOES NOT BELONG TO ME. I have never signed an agreement with this company and have no knowledge of this debt. they are a student loan servicer I have never had a student loan in my life. I have reported this to the FTC and they are looking into this as we speak. this account was created without my authorization and I need them to stop reaching and cease and desist all collection efforts in regards to this account. I REFUSE TO PAY THIS DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Debt collection

Discover Bank, after account was settled and paid off, still claimed I owed them money, kept harassing me and brought great damage on my credit score and emotional health, in 2006. 
And this time, kept threating me to with continuing attorney placement pending letter includes phone # collection, which is completely unnecessary. then right after that the company ( XXXX XXXX XXXX ) sent me letter stating 'This firm is acting as a law firm. ' I have disputed and demanded verification and in response, they sent me only statements, not original agreement on terms I have signed up, nor application for the card, despite of my request. The statements show many interest and late fees charged. seeking and charging interest and fees without clearly defines 'the term of this extended line of credit and my permission to them to charge those/agree to pay ' in the original contract I have signed up is a violation of FDCPA. 
Then Discover sued me, so I called to XXXX, their Automated answer says, " This firm is not a Law firm, Debt collection agency. '' This is clearly confusing and misguiding consumers, which is another violation of FDCPA. 
This Discover Bank and XXXX, Collection agency claim to act as a Law firm must be punished for their act of deceiving public.
Product: Credit reporting or other personal consumer reports

On my chase banking app, It sent me an automatic credit report and told me that, '' Opening a new account ay lower your credit at first, but it can help build your credit overtime ''
Product: Mortgage

On XX/XX/year> Shellpoint- Newrez Mortgage LLC double billed my XXXX XXXX checking account in the amount of {$2400.00} for loan ending with # XXXX. This act was no mistake but a clear criminal fraud that is ongoing against myself and consumers. Upon contact the lie and mode of opperende becomes clear. They are seizing XXXX XXXX XXXX  in authorized slush while devastating the personal lives of their clients with a so call ( 10 to 45 day refund policy ) Shellpoint- Newrez Mortgage LLC is deliberately violating, defrauding, withholding, stealing client bank accounts with unauthorized, unlawful electronic withdrawals of cash without permission. The rouse is a simple ( single mortgage payment is made via electronic or phone ) the agent or batch will lie or distort notes and take multiple payments although no other payments due to conceal conspiracy. This core of this is not just the individual representative crook but sanctioned at the corporate institutional level and systemic to Shellpoint- Newrez Mortgage LLC day to day operations. 

Thus in their acts they have caused irrevocable damage to me and other consumers. They have caused other mortgage payments, payments to go unpaid or ( 30 ) days on my credit while they usurped, stole or fail to return timely advance funds to meet my obligations. Shellpoint- Newrez Mortgage LLC has carved out a dark money advance cash flow slush fund without authorization and abusing their government charter. I urge investigation and severe class action sanctions and punishment to stop this conduct.
Product: Prepaid card

On XX/XX/XXXX I found out that I had been receiving child support and it was going into a card that I had no knowledge of. I was told in XXXX of XXXX that I no longer would be getting payments and I threw away my card. Come to find out someone requested a card in my name, received said card, activated the card and began to use the money that was on the card as well as the payments that continued to load until I realized I was receiving payments. On XX/XX/XXXX I filed I dispute on all transactions that occurred from XX/XX/XXXX to XX/XX/XXXX. 
The dispute team awarded me a partial refund of the miner but denied me two transactions that occurred on XX/XX/XXXX the day the fraudulent card was activated. They were both {$500.00} and at an ATM. I was denied this payment because they said the dispute was over 120 days old. That's not possible. The transactions were XX/XX/XXXX and the dispute was filed XX/XX/XXXX. That's 99 days, period. There's no way to add 21 days to that date and make it over 120 days. I have spent hours on the phone with customer service reps, some have lied to me and said they were in direct contact with the dispute team and the denial stood, others say there's no way to contact the dispute team as they are off site. I have been told that I would be receiving a call from the dispute team within 24 hours and no one ever calls. There should of never been a card sent out that I personally didn't request. The security of US Bank is a joke. 95 % of the time they fail to ask me my password. I could be anyone calling in and they have dropped the ball completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit files from XXXX, Transunion and XXXX  to check for any wrong information. I saw that they are reporting a account that I am not responsible for and should not be on my credit files. The company they are reporting is called XXXX XXXX. This company should not be on my credit files as a collection, I have reached out to all three major credit bureaus to have the issue resolved and the negative account removed from my credit files. As of today this account is still showing on my files and caused my scores to drop.
Product: Debt collection

I have not received any information in writing from Team Recovery, regarding any debt. However, in XXXX of this year, I began receiving multiple phones a day, while at work. On XX/XX/2025, I received 22 calls. On XX/XX/2025, I have received eight calls.
Product: Credit card or prepaid card

I have a credit card through Victoria 's Secret with Commentity Credit Card Services.  My payment date is the XXXX of each month. I post the payment myself every XXXX. They are charging me late fees because the payment is posted past XXXX XXXX on every XXXX, and will not take the late fees off of my account because it is made past XXXX on the XXXX. However, my payment is still the XXXX and the payment is processed for that day. They can only make one refund credit each 18 months which they did for XXXXXXX, but will not refund any further. They said they could they would refund one month but not any further months. They have charged me an extra {$260.00} in late fees for paying past XXXX on the XXXX which is my due date, making my bill {$660.00} instead of {$400.00} dollars. I have spoken to XXXX, the highest manager of  commenity who said they will only refund one month and no other months. I want these late fees taken off because i do process on the XXXX which is my due date and he would not help me in any way shape or form and was very rude to me. The late fees also range anywhere from XXXX $ to {$37.00}. It was XXXX, XXXX, XXXX,XXXX, XXXX, XXXX, XXXX, XXXX, then XXXX. When I asked about the inconsistencies he said that they have the option for it to go to up to {$37.00}, but then they went back down to {$30.00}? I want to pay the bill of and told XXXX in the future I would set it to draft by the XXXX each month automatically but he refused to reimburse me when I have made the payment every day on the XXXX, but is explaining I have n't because it was between the hours of XXXX and XXXX XXXX.
Product: Checking or savings account

I went to open an account with Wells Fargo to deposit $ XXXX. I am a minority and I was opening a new account. The account I was eligible for was the prime with a deposit of $ XXXX and more, that account allows customers to build wealth, gain over time for being a customer there is a percentage the account holder get. Wells Fargo system denied me without hesitations and valid reason .in their system it said i was not eligible which is false .They said they were going to mail the letter as well, I received any. They only allowed me to open an account with clear access, as if all I needed to do was spend my money and not get investment for it. The only thing I received in the mail was the debit card for clear access checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all bureaus asking for validation on the accounts listed in the document provided below. I contacted the bureaus on XX/XX/2022. The bureaus have yet to provide me with any documentation, and it is over the 30 day mark. The incorrect information is rapidly lowering my credit score. Please help me fix this problem!