23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Equifax Credit Reporting Discrepancy Complaint Description : I am submitting this complaint to report inaccurate information on my credit report provided by Equifax. After reviewing my Equifax credit report dated XX/XX/year>, I noticed discrepancies regarding my credit accounts, particularly : 1. The Accounts with Negative Information section is flagged, but upon reviewing the detailed account data, there are no balances, open accounts, or negative records that should be reported under this category. 
2. My credit accounts are inaccurately described as having a {$0.00} credit limit and {$0.00} balances across all accounts, which is inconsistent with my actual credit activity. 

These inaccuracies have the potential to harm my creditworthiness and misrepresent my financial standing. I request Equifax to : Conduct a thorough review of the errors. 
Correct any discrepancies in my credit report. 
Provide an updated, accurate credit report to all reporting agencies. 

I have attached supporting screenshots from my Equifax account that clearly show the inaccurate information. I expect a prompt resolution to ensure my credit report accurately reflects my credit history. 

Desired Resolution : 1. Rectify all inaccurate information on my Equifax credit report. 
2. Notify me once the corrections have been made and provide me with an updated report.

3. Inform all third-party entities that received my incorrect credit report of the updated and corrected version. 

Attached Files : Screenshot of the Accounts with Negative Information section. 
Screenshot of the Credit Report Summary showing no negative accounts but conflicting data. 

Thank you for addressing this matter Promptly.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate and unauthorized account information relating to identity theft.
Product: Debt collection

I have spoken to this company several times and in XXXX 2009 XXXX I also find this odd that a complaint of 2009 which was 7 years ago would just now hit my credit. I explained to them that I could not have been in to places at the same time.
Product: Student loan

I have tried 3 separate times to make payments to Aidvantage for my loan. All three times payment was " processed '' and days later appeared as " reversed ''. When contacting their costumer service they keep stating that my account number is incorrect. 

I have verified with the bank that the account number is correct and that there have been no requests for payments on behalf of Aidvantage. Interest rates have been collecting on the account with no response from the company on how to solve this issue other than saying " incorrect account number ''. 

I then contacted the Federal Student Aid Information Center, who replied with the same letter that Aidvantage had sent earlier.
Product: Credit card or prepaid card

The company UPGRADE is claiming I owe XXXX on a XXXX line of credit that I never had access to. My information was fraudulently taken over after I applied and changed to an address and email I never consented nor submitted. That card was being used with out my permission hence that I never received it because the card had been high jacked and redirected to foreign addresses and emails. My information was stolen. I noticed many charges were taken out of my account on the dates listed below XXXX - {$.00} XXXX - {$890.00} XXXX - {$100.00} XXXX - {$910.00} XXXX - {$96.00} XXXX - {$95.00} I called UPGRADE and my bank to file a fraudulent claim to rectify the problem. My bank refunded me all of the money after they performed their own investigation and determined it was fraud. I filed many complaints with UPGRADE who refused to remove 30 day lates off of my credit even after I had reported it fraud. They declined the fraudulent verdict and demanded I pay XXXX that I do not owe in order to remove the 30 day late off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had insurance with XXXX  several years ago. They raised my rates. I went with cheaper insurance at another company. I asked them to discontinue my insurance at XXXX. Even though they sent notice to discontinue my insurance they still charged me for next month when I had already gotten insurance elsewhere. They refuse to remove negative information and keep changing the date so it will impact my score longer. I sent proof of other insurance at time of incident. I do not owe money to them and did not receive services rendered.
Product: Student loan

I was originally placed into a private consolidation loan that began with a low interest only payment of {$390.00}. That payment increased to {$1500.00} on XX/XX/XXXX. I have struggled to make that payment. I called on XX/XX/XXXX to ask how I could lower my payment. The first agent I spoke with told me that I had the option of extending my payments and lowering them to approximately {$500.00} or that I could have forbearance for up to one year. I explained that I did not want forbearance as I did want to pay my loan, just at a more manageable payment. He told me that he understood and just need to check on the new terms. At that point he put me on hold. A different agent then picked up the call, told me that she had no record of the immediately previous conversation, and told me that there were no options at all with the loan I had and I just had to continue making the large payment. I told her that I was confused since the previous agent told me I could modify my payment. She then connected me to a supervisor. The supervisor told me that I could do forbearance but that I could not modify the payment. I explained that I didn't want forbearance since that would just add to my loan balance. Three different agents, three different stories. I am very upset since I want to pay but they will not assist me in modifying the amount. When speaking to the first agent I told him that I could afford up to {$600.00} per month. I am writing to request your assistance in getting the terms of my loan modified. 

On a separate note, I entered into the educational program with XXXX at the request of my previous employer. XXXX has made it nearly impossible for me to complete that degree. They want an additional {$10000.00} in tuition and fees above those which were quoted to me at the time of enrollment. They have also refused to modify my program and apply my credits to a less costly program. So I feel that I have been misled and hoodwinked by both XXXX who has received tens of thousands of dollars from me and not provided me with a degree or assistance to complete a degree, and by Navient who placed me in an expensive consolidation program that, apparently, can not be modified in any way. 

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

In accordance with the Fair Credit Reporting act XXXX  Account # 2000, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax illegally displaying innacurate information on credit report. A medical collection account is apearing on my report from XXXX. I have no collections. This account may be from a workers compensation claim which I am no liable for and all claims were satisfied by employer. Account is illegal
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. A copy of the XXXX showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX
Product: Credit reporting or other personal consumer reports

Notice to principal is notice to agent notice to agent is notice to principal I am writing to express my serious concerns regarding a matter that pertains to my right to privacy and the violation of my consent in the context of a consumer report. 

As an individual who values their privacy, I am deeply troubled by the recent events that have come to my attention. I have discovered that a consumer report containing my personal information has been generated without my explicit consent. This is a clear violation of my rights as outlined under the mentioned legal statutes. 

According to 15 USC 1681a ( b ) ( 2 ) ( i ), consumer reporting agencies are required to exclude certain accounts from a consumer report when those accounts arose from transactions and experiences involving my credit card. This exclusion is essential to protect the privacy and rights of individuals like me. However, I have observed that accounts stemming from my credit card transactions which congress defines a credit card as 15 USC 1602 ( L ). These transactions and experiences have not been excluded from the consumer report, as mandated by law. 

Furthermore, it has come to my attention that your organization claims to have a permissible purpose to furnish information about me, as allowed by 15 USC 1681b ( a ) ( 2 ) However, I want to emphasize that I have never provided written consent for your company or any affiliated entities to furnish, collect, or disseminate any information about me. This lack of explicit consent raises serious questions about the legality of the consumer report in question.

I kindly request that you promptly investigate this matter. I also request that all accounts that arose from a consumer credit transaction which was done by my credit card as defined by congress 15USC 1602 ( L ) should be excluded according to 15 USC 1681a ( b ) ( 2 ) ( i ) will be removed from the report immediately. Please provide a written statement on why my consent was not obtained before generating a consumer report on my behalf It is my sincere hope that we can resolve this issue amicably and ensure that my rights are upheld in accordance with the law. Please respond to this letter within 15 days with your findings and proposed actions to rectify this situation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Debt collection

Dear Sirs, I have been a patient of the XXXX XXXX, and i have found them to be engaged in an ongoing pattern of misleading and deceptive business practices. Prior to each and every medical procedure, I asked the medical secretary as to whether there was any copay/deductible for that procedure. The answer was the same every time .... '' nothing. Upon exiting the medical office I did not receive a statement as to what the medical insurance would be billed. I then received a bill from the billing department for {$3800.00}!!!! Eventually this was turned over to a collection agency with threats of legal action!!! This is inherently unfair and deceptive, for which the XXXX XXXX should be sanctioned, fined and reprimanded. There was, and still is NO XXXX XXXX XXXX in the patient protocol at the XXXX XXXX!!! ... ..I believe it is a basic right of any patient to know what a procedure is going to cost ... before the procedure is DONE!!!! Furthermore the XXXX XXXX could probably give an approximate guess as to medical coverage. Sincerely, XXXX XXXX XXXX e-mail : XXXXXXXXXXXX
Product: Debt collection

They refused to to help me and told me that I did live in XXXX  XXXX when I have never live there.I have tried to dispute this threw the credit Bearl to and they want except it
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF XXXX XXXX XXXX FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF XXXX XXXX XXXX XXXX I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED
Product: Checking or savings account

1. Delayed Processing : On XX/XX/year>, I used the XXXX app, which shows that {$50.00} was credited to my account. However, XXXX initially took {$50.00} out of my account before crediting it back. This sequence caused confusion in my available balance and led to financial strain. 
Similarly, with the XXXX app, I repaid {$50.00} on XX/XX/year>, but the app credited the funds back on XX/XX/year>, after deducting the repayment first. This inconsistent processing has impacted my ability to manage my funds effectively. 
On Saturday, XX/XX/year>, I ordered food through XXXX for {$19.00}. Today, Tuesday, XX/XX/year>, the transaction is still pending, even though the amount could have been reflected as early as Sunday or Monday. The delay in processing transactions, especially over weekends and holidays, creates confusion about my available balance and can result in overdraft fees. 
2. Overdraft Fees : When purchases show as pending, I assume the funds are deducted from my account. However, when transactions process days later, they can unexpectedly push my account into overdraft, as happened with the XXXX XXXX. 
Once my account goes negative, I am charged an overdraft fee of {$30.00}, and additional fees are applied every two days until I resolve the balance. Even though Ive worked to address these issues promptly, the ongoing fees are overwhelming. 

To resolve these issues, I have had to borrow money from others to cover negative balances caused by delayed transaction processing. This situation has been stressful and has made managing my finances unnecessarily complicated
Product: Money transfer, virtual currency, or money service

I am filing this complaint due to several issues I encountered with Cash App : Weak Security and Fraud Prevention : Cash App failed to implement sufficient security measures, leaving users, including myself, vulnerable to fraud. When unauthorized transactions occurred, they did not properly investigate the issue, exposing me to potential financial loss. 

Inadequate Investigation of Fraudulent Activity : After the fraud occurred, Cash App directed me to request my bank to reverse the transactions. However, Cash App later denied the reversal request. Additionally, they made it difficult for me to report the fraud and used tactics to limit further assistance, which not only saved Cash App money but caused additional harm to me as a consumer. 

Customer Service Failures : Cash Apps customer service system was ineffective. The phone number provided led to a prerecorded message, and the only way to get help was through the app. Even then, responses were delayed, unhelpful, and often inadequate, leaving me with no proper resolution to my issue.
Product: Mortgage

I have two loans that are being serviced by Freedom Mortgage who continues to find every excuse to use " forced placed '' insurance on my properties. I have owned these properties for many years and have never been without insurance on these homes and yet I have to continue to fight with Freedom Mortgage to inform them that in fact, I do have insurance. As servicers, I thought they manage the insurance payments by managing the escrow funds. They appear to search for reasons to defraud the consumer by placing these predatory " insurance '' products on consumers that already have insurance. For consumers that are struggling to pay the basic mortgage, this type of dishonest practice will surely push them into default. I can hardly believe this practice is legal. Please do something about this and use Freedom Mortgage as an example.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> : I received two text messages from unknown numbers asking me to click links to verify my identity. I did not recognize the number, nor did I request anything needed to verify my identity, so I ignored and blocked the number. I did not verify my identity. 
XX/XX/year> : I received three separate phone calls, from three separate numbers, that left no voicemails, from what I now know was Fast Fund Lending, attempting to verify my identity. I ignored all three calls and did not call back. I did not verify my identity. 
XX/XX/year> : I received a voicemail from an unknown number saying they're calling about repayment of a loan. I did not take out a loan, so I deleted the voicemail and did not call back. 
XX/XX/year> : I received another voicemail from an unknown number saying they're calling about repayment of a loan. This was from Fast Fund Lending. This time I called back to tell them they have the wrong person/number. Fast Fund Lending then informed me they had chosen to verify my identity anyway ( somehow ), and approved a loan in the amount of {$1000.00} with an interest rate of 703 %, for a total finance charge to appear on my credit report in the amount of {$4100.00}, and a total payback amount of {$5100.00}. 

Again, I did NOT request this loan at any time for any reason. Someone stole my identity and got this loan in my name deposited into their XXXX XXXX account in their name. How does that happen? The loan company then ( illegally ) provided me with the account number that the loan went in to. The XXXX XXXX account number is XXXX. It has been confirmed with XXXX XXXX that that is not my account, and that I have XXXX accounts with XXXX XXXX. 

This is clearly a predatory loan company who hides behind the veil of sovereignty by being associated with a XXXX XXXXXXXX XXXX. This company is fraudulently giving loans in people 's names without verifying identity, and then refusing to provide the information necessary to assign fault, which clearly lies with them. They have a responsibility to verify identity, and while they provided me opportunities to do so, I chose not to, because I didn't request the loan. They were clearly then given other phone numbers or addresses that were false and in no way associated with me, and they chose to verify anyway.
Product: Debt collection

Concord Servicing Corp, XXXX XXXX XXXX, XXXX, AZ XXXX, services accounts on behalf of XXXX by XXXX XXXX. Our vacation ownership interval contract requires a Refurbishing Fee, due every five years. Our contract was signed XX/XX/XXXX. We do not dispute we owe the fee of {$7100.00} for a full five years. We do dispute that Concord/XXXX XXXX is billing us for the fee 4.5 months in advance of the 5 year anniversary date of our contract, which is XX/XX/XXXX. 

The contract specifically states ( SIXTH recital, item 2.1 ) that the Refurbishing Fee " ... shall be paid 1 ( once ) every 5 ( five ) years during the term of this Agreement. '' The contract does not specify the Refurbishing Fee is collected on XX/XX/XXXX at the beginning of the fifth year, regardless of the date the contract is signed. If we pay the full amount on XX/XX/XXXX for this first " partial '' five year cycle, we are overpaying by ~ {$530.00}. ( For consumers with a contract date later in XXXX, the amount would be significantly more. ) However, if the amount is properly pro-rated on XX/XX/XXXX for this first five year cycle, we agree in the future we would owe the full amount every five years on XX/XX/XXXX, as it would cover a full 5 years of ownership. 

We contacted Concord directly, who referred us to their customer, XXXX XXXX regarding any billing errors. We were told by XXXX XXXX that " all Refurbishing Fees are due at the beginning of the calendar year '' and that they would not pro-rate the fee for the partial year. When I pointed out that the contract did not allow them to bill early, we were told that was the way all contracts were managed and if we failed to pay the amount in full as billed, our contract would be placed in default. This would not only prevent us from using the property, but also puts the amount we paid for the property ( over {$120000.00} ) at risk. At no time was anyone impolite ; they were simply firm with their position, would not debate it, and were clear about the consequences. This left us with little option than to file this complaint. 

To keep our contract in good standing, we are going to pay the fee as billed. However we are also filing this complaint with the CFPB for unethical and inaccurate billing practices.
Product: Debt collection

I have contacted NetCredit numerous times. I have contacted each of the credit bureaus to dispute the account reporting inaccurate information numerous times, and I have requested validation of the debt numerous times. I also have contacted my bankruptcy attorney and the bankruptcy trustee for assistance, with this account. However, NetCredit is REFUSING to correct and/or delete this account as promised. 

It shows the account is a charge off/collections and is derogatory. This account was XXXX in my XXXX XXXX XXXX ( case # XXXX, filed XX/XX/23 and XXXX on XX/XX/23 ). NetCredit is saying the account wsa sold to XXXX XXXX XXXX, ( although I never received any papers from XXXX XXXX and XXXX XXXX is not reporting anything on my credit reports ). When I call NetCredit and enter my info, it says I owe a past due balance of {$7900.00}. I called XXXX XXXX XXXX and was told if NetCredit was the original creditor and the account was XXXX, I need to file the bankruptcy papers with NetCredit to have the debt updated and/or deleted from my credit reports. 

My attorney and the Bankruptcy XXXX have submitted paperwork to NetCredit and XXXX XXXX. Therefore, I am not understanding why this account is still negatively and inaccurately reporting on all credit bureaus, nor has it been deleted as I was told it would be.