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

Equifax representative took it upon themselves to add a included in bankruptcy status on my student loans. That were NOT discharged in bankruptcy but rather paid by XXXX XXXX XXXX and Im still currently making payments on them today. I did not dispute these accounts neither did the creditor report them as being included in bankruptcy
Product: Vehicle loan or lease

Made over-payments on account totaling {$870.00}. Asked for overpayments to be applied to principle. Bank Of America took my UNINVOLVED monthly payment, reversed it [ but never refunded ], broke it down into two parts including a mysterious {$620.00} payment, and then applied the other {$870.00} part of it in place of the {$870.00} pre-payment owed, wiped out my pre-payment balance, claimed " that '' was the overpayment, and then never gave me the actual principle credit. Account standing is identical to if I never had any paid-ahead balances applied, only now that paid ahead status has been wiped out. Payments were completely misappropriated. This is impossible to easily explain because what they did is so improper that it can not even be quantified.

BOA admitted fault, was in the process of fixing, and then call was disconnected. Mysteriously unable to get ANYONE on the phone since to admit there was an error. Bank is claiming that paid-ahead balances are already applied to principle. WAIT, WHAT? Even the local BOA bank branch and manager openly admit this is completely wrong and spent hours on the phone with these morons, but BOA Auto Loan department refuses to fix it, and continues to argue what can easily be proven with a calculator and a few brain cells.

DO NOT DEAL WITH BANK OF AMERICA. These people are the definition of deceptive business practices! What part of a paid ahead balance being OWED TO THE CUSTOMER is the least bit confusing?
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid in full for several months. It has been noted as " Account paid in Full ; was a Charge-off '' on XXXX, but it just listed as a charge-off with no notation of being paid in full on Both Equifax and XXXX. 

I have tried contacting both credit bureaus about this, as well as XXXX XXXX XXXX, asking them to have it noted as " Account paid in Full ; was a Charge-off '' across all three credit bureau reports. If they can report it to one, there is no reason the ca n't report it to all. 

I have confirmed that all three credit bureaus allow this status to be noted on accounts. 
I 'm attaching proof of how it appears on my XXXX report, which I pulled on XX/X/2017. 

This has been paid in full and should be noted as such on all three reports.
Product: Credit card or prepaid card

Contacted Fortiva on helping me out with financial hardship after my daughters medical crisis a couple months ago. Im having problems making payments because of it. Fortiva refuses to work with me.
Product: Credit card or prepaid card

I bought gift cards to use on vacation, however they was compromised. I contacted the company, they've yet to update me or return the funds. They put the cards on hold as of XXXX XX/XX/XXXX. I logged into the account listed are the merchant it was used for and the amount. 

{$200.00} Gift card XXXX XX/XX/22, XXXX PM XXXX XXXX - XXXX - {$200.00} {$200.00} Gift Card XXXX XX/XX/22, XXXX PM XXXX - XXXX - {$99.00} XX/XX/22, XXXX PM XXXX - XXXX - {$99.00} Balance of XXXX on hold {$200.00} Gift Card XXXX XX/XX/22, XXXX PM XXXX XXXX - XXXX - {$200.00} {$100.00} Gift Card XXXX XX/XX/22, XXXX PM XXXX  - XXXX - {$99.00} Balance of XXXX on hold I attached screenshots of proof I paid for the gift cards.
Product: Credit card or prepaid card

I signed up for service in XX/XX/XXXX for a one-year program. There was no mention of any automatic renewals. When I saw this charge again on my XX/XX/XXXX statement for yet one more year of service, I called them to cancel. They told me there were no cancellations and that I would have had to contact them in writing XXXX days before my scheduled renewal date to not be re-charged. I opened a dispute on my card, and XXXX XXXX XXXX XXXXXXXX sent them a bad photocopy of their terms and conditions stating " no refunds ''. My claim with XXXX was denied. I then opened a fraud claim, since I did not in fact authorize that merchant to charge my card without my consent in XXXX. The fraud case was denied since it was a merchant I had already authorized in XXXX. My argument falls on deaf ears with my credit card company, and they are choosing to side with the service provider instead of their cardholder. I asked to see anything in writing that I signed or consented to, or even a recording of my voice consenting to automatic renewals. If someone can produce my agreeing to this service, they would have a case. Instead they are just taking the word of a shady internet company and refusing to remove the {$500.00} charge, and the merchant has refused to cancel the service. It's been a nightmare and not good business to side with the merchant with no proof whatsoever that I consented to this charge. XXXX has been terrible about handling this, just pushing it from one case processor to the next, and not calling or mailing me anything to let me know how the case is going. I have not ever had the chance to speak directly with a case processor, and have only been able to leave messages through the agents on the phone to give to them. I would like to also shed light on the way they have handled my case. 

For a timeline of events, this dispute was denied by my credit card in XXXX. The case was reopened on XX/XX/XXXX after I called to get a status update only to find out it was denied one month prior, with no one properly informing me ( stated there were messages left on my machine, nothing mailed to me in writing ). After reopening it in XXXX, I waited until XX/XX/XXXX to call again, only to find out that they could do nothing for me, that XXXX XXXX XXXX XXXXXXXX had every right to automatically renew me, and on that day I was connected to the fraud department who assured me they would take care of this. They sent me a new card in the mail, but never removed the fraudulent charge. I called XXXX today ( XX/XX/XXXX ) to learn of this denial, and was treated very arrogantly and condescendingly by the supervisor on the phone. 

I did not authorize this charge or any auto-renewal, and consider this to be fraudulent.
Product: Credit card or prepaid card

I have been locked out of my account and refuse to restore my login information can't see charges or bill to pay or dispute due to online account locked
Product: Credit reporting

XXXX XXXX DOB : XX/XX/XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX Inquire that were not done by me That are fraudulent XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company SYNCB/XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second notice to demand to remove false and fraudulent reporting on my credit
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted XXXX XXXX to terminate my role as an authorized user of this account. I requested that my ECOA ( Equal Credit Opportunity Act ) status be updated to reflect this change as " T '' ( terminated ) and that the account balance be set to {$0.00} on my credit report. 
XXXX XXXX confirmed they were processing the update but have since failed to provide a written letter confirming this action. 
Despite my attempts to follow up, my credit report has not been updated accordingly, and the balance associated with this account still appears under my credit profile.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the negative impact of your recent consolidation process on my credit report. Specifically, Account Information : Dept of ED : XXXX, XXXX, XXXX, XXXX. 

XXXX  : XXXX, XXXX, XXXX. 

NELNET  : XXXX, XXXX, XXXX discrepancies. 

These inaccuracies have significantly damaged my credit score and limited my financial opportunities. I believe this is a violation of my rights under the Fair Credit Reporting Act. 
I have attempted to resolve this issue directly with Nelnet, but to no avail. I kindly request that you take immediate action to correct these errors and restore my credit report to its accurate state. 
I would appreciate a timely response and resolution to this matter. If the issue is not resolved promptly, I will be forced to escalate the matter to the Consumer Financial Protection Bureau and other relevant authorities. 
Thank you for your immediate attention to this urgent matter.
Product: Checking or savings account

I deposited a check from my client, XXXX XXXX XXXX XXXX in XXXX XXXX, and presented the check to Chase Bank NA in XXXX at an ATM. The bank initially deposited the funds for {$2000.00} on XXXX XX/XX/2024 and then turned around and debited the funds early on XX/XX/2024. The online message I received states that there was an improper endorsement yet they do not allow me to see the check image. Instead, when I go online it just states that they are unable to display the check image at this time and they are trying to " fix it ''. This is unacceptable and it has left me with a financial debacle. Other payments must be made and I have not had this problem before. I was not given any phone call or further correspondence. I do not know what to do about the check and it has not been returned to me. I fear I have lost the deposited fund and the check and I have no explanation from XXXX to fix this problem. I want XXXX to pay me the debited funds or return the check pronto. I also want them to pay any penalties for leaving me in this dire situation.
Product: Mortgage

There is too much to list but if the recordings were listened to it would verify all i am saying is correct. I called Mr. Cooper Mortgage Company requesting that if starting XX/XX/XXXX I could claim hardship on a loan and requested to have forbearance for just a couple of months. She said yes and walked me through how to go about doing that, and said to just watch the account for the approval and could take at least 30 days. Then logged in again on XX/XX/XXXX and it did not show available to make a payment so I called and spoke with someone to make sure there is nothing I needed to do because it also had a tab to upload documents. Also wanted to confirm they did not need anything and it was still being applied for a payment deferral on ( later on finding out she never applied for anything ). She also said the same thing, to watch the account for it to take effect after a couple months. Then still not seeing anything I called back on XX/XX/XXXX but got disconnected. Then was able to call back on XX/XX/XXXX, where I found out that nothing was applied and he help by submitting the information. Finally called again XX/XX/XXXX where I spoke with XXXX & XXXX and was hit the fact that nothing was done the way it was told to me originally by company representatives. Apparently during this time they filed for foreclosure on my residence on XX/XX/XXXX ( what is crazy is when I called in XXXX and spoke with them nothing was ever mentioned! ) but they approved a Full loan modification in turn doubling the rate adding to the term and now lots of legal fees. Also was told that a FHA loan ( supposably ) does not allow for a forbearance but he also contradicted his self because he said it was never applied for. So why was I told something completely different for so long, it feels like I have been ran professionally through the ringer in order to extract more money out of me. I just don't understand how a company with blatantly lie to you mislead you when you call them, then if you call them out on it just shrug and say sorry. From the beginning I just needed XXXX  months to get back on to my feet due to impact of the Hurricane that hit the east coast, but even if i wanted to make a payment after the XXXX  months it would not allow me to. But what is scary to me is that I know I can not be the only one this is happening to also contacted the XXXX  but learned that Mr. Cooper is not an accredited XXXX  company! I just am requesting help and everything I am saying can be verified by call recordings.
Product: Debt collection

I am XXXX XXXX submitting this complaint against RADIUS GLOBAL SOLUTION and there is no third party involved. RADIUS GLOBAL SOLUTION did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.
Product: Credit reporting or other personal consumer reports

CEASE AND DESIST OF UNAUTHORIZED FRAUDULENT REPORTING PART 2 THIS IS FROM XXXX XXXX XXXX ) Please send the original application 2 ) The beginning date and ending d ate of the contract 3 ) The last date this debt received a payment. 4 ) What's the insurance amount on this contract/debt 5 ) Copy of my written signature & a photocopy of my ID, and my SSN card. 6 ) Please send the application that shows I gave anyone person permission to use my name or Information to report on my consumer report. I don't recall giving consent to put these accounts on my report. 7 ) Also send me copies of ALL XXXX warning letters that the creditor sent to me if this was my debt and to rectify this debt. XXXX ) Send me a copy of the Forward Flow Agreement XXXX ) Copy of my Bond and the highest Bond Bidder associated with these debts. It's a violation to report anything on my consumer report. I didn't give you written consent remove it immediately this is identity theft per code 15 USC 1681 B permissible purpose. All rights reserved Ucc 1-308 .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX., I'm a natural person and this dispute XXXX  isn't coming from a XXXX " party I recently received a copy of my consumer report and I noticed there are XXXX accounts that are posted on my consumer report. I'm requesting that these accounts be removed from my consumer report. Per law 15 U.S. Codes 1681a - Definitions : rules of construction | U.S. Code I US Law I Legal Information Institute. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; SEND REQUESTED DOCUMENTS OR delete these accountS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian and I went over my credit report with them showing them about the charge offs on credit cards that were closed display and accurate information and negatively impacting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending written correspondence to XXXX, Equifax and XXXX since XXXX of this year to try and get some help with the inaccurate information about this XXXX XXXX account. 

Initially, in XXXX I spoke with customer service at XXXX XXXX about the inaccuracies found on my credit report about late payments. The customer service representative told me that there was nothing they could do and that I should dispute them inaccuracies with the credit bureaus. 

I proceeded to reach out to the XXXX, EQUIFAX AND XXXX for assistance. It has been a total fiasco. Neither bureau has provided any records to support the information that is being reported. 

Each round of written correspondence would result in small changes, but newly updated inaccurate information. For example, most recently they changed a late payment in XXXX to on-time and then made a XXXX payment late. 

I do not know if they think this is a joke or if there is just a problem with the system, but I am very frustrated and concerned that I will not be able to get the information corrected nor the supporting documents. I have been working really hard to clear up discrepancies and have a positive payment history for the past 2 years with this account. 

There are also comments that say the car was repossessed. This was during XXXX, I fell behind on the payments. The car was towed from our driveway at about XXXXXXXX XXXX and we paid and had the car back in our possession before lunchtime the very next day. 

I've asked XXXX XXXX and all XXXX Bureaus to possibly remove or amend the comments, but to no avail.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX Account Number : XXXX Account Number XXXX XXXX
Product: Credit reporting or other personal consumer reports

Like I've already stated in my complaints about all 3 bureaus. They replied to CFPB And all 3 replied to my complaints the CfPB submitted last week and today that they ate still working on the issues. They said that last week to CFPB and i have documents with dates from all three that my dispute results are completed. I am XXXX. And I want to proceed with civil or criminal action for compensation for their negligence in their investigations
Product: Credit reporting or other personal consumer reports

I am trying to qualify for a home. I checked my credit and notice this company NCB management reporting a collection account. I refuse to pay this alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that NCB provide verification and proof of this debt, including a copy of my original contract with NCB Management Services. Until such documentation is provided, I do not acknowledge or accept liability for this debt.

Additionally, I would like to bring to your attention that several violations of the FDCPA have occurred in your handling of this matter : Failure to Provide Notice : Under FDCPA Section 809 ( a ), you are required to provide written notice of the debt within five days of your initial communication. I have not received such notice, and this debt was reported to my credit without my knowledge or written communication from your office. 

Harassment via Inconvenient Contact : The FDCPA ( Section 805 ) prohibits debt collectors from contacting consumers at inconvenient times. Despite this, I have received calls from your office at times that are disruptive and inconvenient, in clear violation of this law.

Failure to Provide Validation : The FDCPA ( Section 809 ( b ) ) grants me the right to request validation of this debt. You have not yet provided any proof that this debt is valid, nor have you demonstrated that NCB Management has a legal right to collect it. Until such validation is provided, collection efforts must cease.

I demand that you provide the following : A copy of my original contract or agreement showing that I owe this debt to NCB Management.

Proof that NCB Management is legally authorized to collect this alleged debt which includes a copy of their agreement with XXXX selling them rights to collect this debt. 
A detailed accounting/ audi of the debt, including any fees and interest applied. Every document NOT just statements I demand to have these documents in my possession within 30 days or will proceed with filing arbitration against NCB
Product: Vehicle loan or lease

In XXXX we bought an old car for {$3000.00} I think. It broke 3 days later and we told them to take it. It is now XXXX we have never been served any papers and they started guarnishing my check. The loan is XXXX XXXX XXXX and they are charging {$5100.00} and I never even received paperwork on anything. They say in XXXX they got a judgement and sold it to Kentucky this year. Can they just add {$2000.00} and trade from state to state to get payment for a car that was old when it was bought 15 years ago? I wasn't served or even received a letter to defend it. Then they told me my wife owes an account too. I know it's not legal to give out people names and debts to other people
Product: Debt collection

I never received letters from this, I paid the amount and they refuse to update my credit report. They told me I had to wait until theyre ready. 
Im XXXX because I cant get any apartments or houses.