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

I consolidated my XXXX XXXX University loans and XXXX XXXX with National Credit Management. At the time they are claiming that my student loan accounts were not past due based on the credit report they obtained prior to helping me consolidate through XXXX XXXX XXXX on XX/XX/XXXX ; this was not the case. I spoke with XXXX XXXX who helped me with my application to consolidate with XXXX XXXX XXXX. XXXX also failed to tell me that my XXXX XXXX account was past due prior to helping me consolidate these loans. 

On XX/XX/XXXX, National Credit Management reported my account as Collections and Delinquent with all three credit reporting bureaus - two months after they assisted me with completing the loan consolidation, which had been completed. 

I have contacted National Credit Management. I have also disputed these accounts with all three credit reporting bureaus, National Credit Management, and a private attorney.
Product: Credit card or prepaid card

I am a small business owner, I opened American Express ( AMEX ) XXXX XXXX  card on XXXX. At that time, AMEX advertised : Card owner will " earn XXXX Membership Rewards points after {$15000.00} or more in qualifying purchases are made on the Card within the first 3 months of Card Membership. ", in my case, the first 3 months is " from XX/XX/XXXX to XX/XX/XXXX. '' and I spend a total of {$24000.00}. ( The total spend amount and the " first 3 month time frame info '' are from AMEX customer service online chat history. ) I used to call AMEX customer service about points issue, they told me my points is pending, and considering my " first 3 month '' is ending by XXXX, to avoid any purchase return, they will give me points by XXXX which after 3 month of XXXX statement closed. And I accepted and I think that's totally fine. But after XXXX I did not see XXXX points under my account, so I called AMEX/chat with AMEX online customer service for over 5 times, they admit I do spend enough money to get the points and all they can tell me is my points is pending, as long as I pay for the current statement balance, the points will be put into my account. So I did what they asked but never see any points. A supervisor of AMEX said she will open a case for investigation but she never follow up with me. AMEX obviously do not has a reasonable and appropriate grounds to let my points " pending '' for such a long time, it might " pending '' for years. As a small business owner, I tried all my best to communicate with AMEX but on one care about my situation, it makes my life harder I was planned to use points buy air tickets for business trip, save some money and support my family.
Product: Student loan

I am a   XXXX   XXXX    XXXX  who partied in  XXXX . When my  XXXX   XXXX  contract ended, I attended  XXXX  University where I obtained a  XXXX  degree. To cover the cost of tuition acquired federal and private student loans. Shortly after graduation, Citibank required payment on all my private loans. For five years, I made a minimum monthly payment of approximately {$450.00}. Despite payments, every year my loan balance increase because of interest.  Citibanks  IRS Form  XXXX , indicate that I paid {$3100.00} in interest for  one of the previous tax years. I did all I could to keep my loans current, this included using my unemploym ent checks, my credit cards, and selling my financial assets  ( I RAs & stocks ). Citibank eventually sold   XXXX  of the  XXXX  p rivate student loan to  XXXX   XXXX . Since I made my payments using online banking I never realized my account was split-up.  XXXX  and Citibank used the same mailing address and the same account number to identify my account. I did n't even realize  Citibank kept   XXXX   of my loans until I started getting calls from a third party. I contacted both Citibank  and  XXXX  to help resolve this issue but I was told nothing could be done to fix the error. One manage at  XXXX  realized the error was no fault of mine and offered to contact  Citibank on my behalf but unfortunately that was the last time I heard from her. I called Citibank  and  XXXX  and they offered no solution to resolve this mistake. Shortly after acquiring my loans,  XXXX  increased my monthly payment to {$650.00}. I call  XXXX  on several occasions to negotiate a lower monthly payment, and I was told to pay {$320.00} at the due date and pay another {$320.00} before the next due date to avoid going into collections. Managing my payments that way would eventually became very problematic for me. However, I did as I was told for as long as I could, until my contract at work wasnt renewed. I called  XXXX  again to explain my situation and I also explained that I had an arrangement with  Citibank to cap my monthly loan payments at {$450.00}.  XXXX  would not offer any flexible options for repaying loans. I had to decide between, rent, and keeping my oth er deb ts ( credit cards ) current. I am not proud of my financial circumstance ; however, I feel I did all I cou ld to keep my loans from going into collections. As I write this letter I still owe over $ 40K in Federal student loans and I have close to $ 10K worth of credit card debt. I want to pay all of my debts and improve my credit worthiness but at this point in my life I dont make a whole lot of money. Outside of my private student loans, I have never defaulted on any loans or credit product. My federal student loans, credit cards, and car loan are all current. The primary reason for all this is because they were willing to offer me a flexible payment option. Today I can honestly say, my private student loans are one of the reasons for my  XXXX .
Product: Debt collection

I was a victim of violent crime. I am not responsible for this account.
Product: Student loan

My parents and I had no clue what we were doing when applying for college aid. I ended up with private student loans, which seems to have been the worst choice. I have a teaching degree and now work in public health. I have XXXX different due dates for loans originally through AES but now have been sold many times. Their communication is despicable. I have no realistic way of consolidating these loans and would like some assistance/relief.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report. within four business days, pursuant to section 605C of the fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

" According to FCRA Section 605B. It's illegal to report anything without my permission. 
Fiase remove this negative item
Product: Debt collection

i was contacted my XXXX XXXX this morning at about XXXX XXXX by XXXX, employee number XXXX regarding my XXXX  account. recently i had paid my balance in full through the mail. they have not posted my payment yet and it is 9 days past the due date XXXX told me my account was in collections. this is a misrepresentation of the delinquency level of the account and is an obvious scare tactic. i made complaint with XXXX   and spoke to a supervisor, ms XXXX employee number XXXX. ms XXXX reiterated i was in collection and subject to adverse action they are not able to even report me delinquent at 9 days late, much less report a collection. this is an abusive, deceptive practice. please encourage them to change their policy and educate their employees
Product: Credit reporting or other personal consumer reports

Victim of a home invasion 3 years ago. Suspects took everything. Months later my information was used to purchase a car, several credit cards and other items. It's taken me several years to remove some of the fraudulent accounts. I'm still in the process of removing the rest.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off evely month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issue I am facing with fraudulent items on my credit file. This is my second attempt to address and rectify this matter, and unfortunately, I have not seen any progress in resolving the inaccuracies on my credit report. 

I initially reported unauthorized and fraudulent items on my credit report to your organization. Despite my efforts and the submission of the necessary documentation, the fraudulent entries persist. I had hoped that my concerns would be promptly addressed and the inaccuracies rectified to restore the integrity of my credit history. 

Regrettably, I find myself in the position of having to file a second complaint regarding the unresolved fraudulent items on my credit file. 
I have taken the following steps in my attempts to resolve this issue : Submitted a detailed dispute through your online dispute resolution system. 
Contacted your customer support hotline on [ date ] to follow up on the status of my dispute. 

Despite my persistent efforts, the fraudulent items remain on my credit report, posing a significant threat to my financial well-being and creditworthiness. This situation has caused me considerable stress and anxiety, and I am deeply concerned about the potential long-term consequences if not addressed promptly. 

I kindly request an immediate and thorough investigation into the fraudulent items on my credit file and request their removal. I also seek clarification on the specific actions taken during the investigation process and the reasons for the continued presence of these inaccuracies. 

I understand the importance of accurate and up-to-date credit reporting for both consumers and creditors. As such, I trust that Credit Bureaus will take swift and decisive action to rectify this matter and restore the accuracy of my credit report. 

If this issue is not resolved satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX Balance : {$570.00} XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX  XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit file belongs to the consumer not the credit bureaus, and all the information therein. They do not have the right to decide whether or not to dispute it. I have tried sever times over the course of a couple years to dispute the wrong information that is contained in my report and they just flat out refuse, and say its erroneous. This is not right.!! plus all three companies should be uniform and held to the same standard so there is n't misinformation and so many different scores out there. I am tired of fighting with theses people about my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of Identity theft and the identity theft has already been reported to Identity theft dot gov as well as the Unemployment department. XX/XX/2021, I had requested a copy of my credit file from Transunion, XXXX and XXXX and they sent me my credit report instead. I have made repeated phone calls and their automated systems has been extremely difficult to use. 

I had online access to my reports and the screen timed out. I would like a complete copy of my credit file but their deceptive and unfair practices have made it extremely difficult to receive my private information in this file. 

Each Agency made me disclose my entire social security number which should not be asked for. Transunion, XXXX, and XXXX could have requested the last four. 

Transunion, XXXX and XXXX have my private information stored in their systems with out my consent and refuse to allow me to verify it is correct by allowing me to see ALL of it. 
Transunion, XXXX and XXXX are also selling my private information with out my consent which is aggravated identity theft.
Product: Consumer Loan

Hello, In 2008 I went to Best Buy and ended up signing for their " My Best Buy Card '' and " Best Buy Master Card. Recently while taking a closer look to my finances I realized that they had been charging me with something call " Debt Protection ''. I tough that high payments for years were for a high APR. I never signed for that " protection program ''. I called best buy and they transfer me to the bank. They then told me they were going to send a request for my money in both cards. Then, 30 days later I got a letter in which they gave me {$30.00} back. But I had been paying for years at least is a XXXX what I want back. Then I called again asking for proof that I had signed for the program. 30 Days later I got another letter with no proof and they were giving me back {$15.00}. Then I call again and they simply told me that they were going to request again proof but is just simply a fraud. I politely asked to speak with someone who could escalate my claim, but the representative told me thats all they can do is send requests and wait. He told me there is no other department or phone number he can refer me too. This is very frustrating. What can I do? I am a very responsible person, I pay my cards every month on time. I am not XXXX those who want to get out of the deal. I just want what is fair, I am paying for stuff that I bought with high APR because that was the " deal '' and what I signed for, but is very frustrating to see that they take advantage and charge you with fees for something that I never agreed. 
I have been dealing with this for months and no resolution with them. Whats my next step. 

Thank you.
Product: Debt collection

I surrendered an automobile financed by first infesters they auctioned off car and said I still owe XXXX they then garnished my wages for wrong amount that was paid off and I didn't hear anything from them until six years later when XXXX says they bought a XXXX debt I didn't know I had and place this one my credit as a new delinquent account that I made a recent payment for XXXX on I've never talked to anyone from this company and never opened an account or paid them anything but the damage to my credit from this so called new account as cost me my first home it's showing now as three different XXXX debts with different open dates also XXXX XXXX shows open account that's delinquent also missed payments all show the impact to credit score doesn't fade XXXX XXXX also shows open delinquent account under 12 first financial name this is also a fake name / company just to keep the six year old debt fresh best part is after the garnishment not one of these companies have reached out to me not once in six years of higher interest rates and denied applications inflated auto insurance all because three companies show different  information a spread it out so damage continues.
Product: Mortgage

I refinanced my home loan through the same company we already use for our mortgage, Carrington Mortgage services. We closed in front of a Notary on XX/XX/2017 It is now ) XX/XX/2017 and we are not funded and they asked for more money because they calculated wrong. They asked for more money on Monday after XXXX when our loan should 've been funded. I was told it was to be funded Sat after our 3 day period to change our minds. I now worry about my credit and late fees because I was told my part was paid so I used my money I saved to pay off another bill.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent collection I have found : XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized inquires on my credit report.
Product: Payday loan, title loan, or personal loan

I made payments to my loan in months advance and when ask how many months I've paid up to the customer service representative couldn't assist me. A supervisor never called me back after I requested a call back. This company does not give the customer a monthly statement, they are paperless but that doesn't constitute the electronic statement. Also this company doesn't give a detailed statement of interest rates or payoff amounts
Product: Credit card

I submitted a fraud case to Capitol One after my card was charged without my knowledge for ~ {$9000.00} in XXXX. They have returned only automated messages dismissing my claim, despite forged signatures from the company. 

Merchant : XXXX XXXX XXXX These charges were made without my knowledge or consent. 

I got into a cab in XXXX. The person running it said it would be {$50.00} USD by card, which was {$1000.00} pesos. He showed me the screen on his device, which read XXXX pesos. I gave him my card. He then scanned it, and then scanned it multiple times on other devices while saying the internet was bad. This resulted in four charges which maxed out my credit card with four charges ( USD ). 

Shortly after I received a notice from Capitol One saying my credit card may have been used fraudulently, at which point I confirmed and deactivated my card. I then reported the fraud case and was reimbursed temporarily. Since then, Capitol One has said the company has refuted my charges and they are reinstating them. The document provided in the refutation has obviously forged signatures. I never consented or was aware of any of these charges, and Capitol One has done nothing to actually follow up on this case.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically CashApp, 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, XXXX XXXX XXXX sent a text message from the phone number XXXX to a member of my family, whose phone number ends in XXXX. The message was addressed to me, despite being sent to a third party. 

Under the FDCPA ( 15 U.S.C. 1692c ( b ) ), debt collectors are prohibited from communicating with third parties regarding a debt without my consent, except in very limited circumstances. This unauthorized disclosure of my personal information to a family member is a direct violation of my rights and has caused unnecessary distress and embarrassment. 

I request that XXXX XXXX XXXX be held accountable for this violation and that appropriate corrective action be taken. I also ask that the CFPB investigate this matter to ensure compliance with federal consumer protection laws. 

Please confirm receipt of this complaint and inform me of any next steps. Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

I file multiple of disputes with equifax. Equifax, keep reporting an auto loan ( XXXX XXXX that was never late/paid on time ) they keep reporting a delinquent status on this account? But it has no late payments. I have try to correct this account for 6 months. Initially, they removed the negative information and added it back on my account the next day. However, I am now still waiting for them to update this once again. I will attach proof of this information into this complaint.