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

I have been a customer of XXXX  XXXX XXXX for over 18 years After I paid off a loan with them they raised my credit limit to {$22000.00}. 
The credit card balance was XXXX but I had forgotten that I made a small transaction. I did not get my XXXX statement and when I saw that I was delinquent I paid the full amount However my credit limit was reduced to {$500.00}. And my credit score dropped 40 points because they reported a delinquency over 30 days I wrote them a letter because they stated no phone calls to dispute changes or delinquent charges I pay all bills on time but I would like to refinance my mortgage and this lower score is damaging my rate
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly.
Product: Payday loan, title loan, personal loan, or advance loan

My account was originally a loan with XXXX by XXXX XXXX with a monthly payment program.This was loan was bought out by SST and since then, I've called them several times in a XXXX  month period to fix these issues : My payment plan was around {$100.00} a XXXX  with XXXX and SST was trying to tell me it was over {$200.00}. Then, after proving this, they never fixed this in the system. My credit reports are all saying that they have closed my account and that I am behind on payments even though I have been making all of my payments on time. During this time I have recieved no notifications or a simple phone call about resolving my issue. I have spoken to them several times and today, I talked to someone who said she couldn't even see the document that I signed for my payment plan to be the same as what it originally was with XXXX. After XXXX minutes, she found but told me no one did anything with this document. After the call she was not able to assist me. 

A General Timeline : - My account was transferred to SST from XXXX on XX/XX/XXXX - XXXX requested to to keep my payment program that I was originally on with XXXX on XX/XX/XXXX - XXXX signed the document on XX/XX/XXXX - It is XX/XX/XXXX and I am still dealing with this same issue. 

When they transferred my loan to SST, SST called me every day to tell me to make a payment even though I already did. They also kept emailing me. During the first few months, I called almost daily to get them to stop calling me and to fix my account. Now it's been over over a year, my XXXX XXXX has been affected poorly which as affected my life and abilitiy to do many things. I have called several times during this time period. Many times I wasn't even able to make a payment because their systems were not updated and they promised that I would not be penalized for any late payments due to their system not being updated properly. I also have signed documents that were asked of me for the payment program, I have made all of my payments on time, and I have recieved XXXX communication from SST about resolving the issues that I've expressed since XX/XX/XXXX. It i 's XX/XX/XXXX and I am still seeking them to make me whole again. 

To me, I have given you well over a reasonable amount of time to fix the problems.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX, THERE IS CURRENTLY ACCOUNTS ON MY CREDIT REPORT THAT IS IN RESULT OF 605C XXXX XXXX.
Product: Checking or savings account

I have a checking account with Chime. 
On Saturday the XXXX of XXXX I woke up to notifications letting me know that 4 transactions had processed from a XXXX company named XXXX XXXX XXXX, each for {$30.00}. I also had two text messages from the fruad department asking if I had authorized two of the transactions and I texted back " no '' and received a text that said this transaction had been declined and no money had been taken ( the only charge it denied was one for {$10.00} ). I locked my card and called customer service to report the fraudulent charges and was told that the representative had canceled them, that they should not go past the " processing '' phase and if they do then I needed to call back. They asked me if I wanted to have a new card issued and I told them yes, so that representative canceled the card I had and put in the order to issue me a new card. 
On Monday the XXXX around XXXX I checked my bank account and saw that they had fully processed, so I called customer service again and filed a claim for the fraudulent charges, letting them know of my previous conversation with one of their representatives. While answering their questions I informed them that I had never heard of this company before and had not used my card for a few days, that when the transactions occurred I was asleep and I notified their company as soon as I saw the charge notifications. They informed me that the claim had been filed ( # XXXX ) and I would recieve an email letting me know the companies decision. Later that day I received an email telling me that the company had determined the charges to be legitimate charges and the claim had been closed. So I called the customer service department again and told them about this and that I would like to reopen the claim, to which I was told had to be done by emailing the support email. I immediately wrote the email telling them all of the information that I had previously told the customer service representatives and stating that I didn't approve these transactions, that I had never heard of the company before as well as informing them that I can not afford to have the {$120.00} taken from me for transactions I did not do. I woke up to an email today ( the XXXX of XXXX ) telling me once again they determined the transactions to be valid and that I can request the documents they used to make their decision. 
I will include the transactions from my bank account and the emails recieved/sent to chime support. The transactions themselves show that 3 of them happened at the same time with the 4th happening a minute later.
Product: Student loan

I got an email about my loan balance accruing interest while still in forbearance by court order under the SAVE plan, which I should not be. The servicer is MOHELA
Product: Debt collection

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

1.SYNCHRONY NETWORKS
Product: Money transfer, virtual currency, or money service

Sometime in XX/XX/2022 I fell victim to a multilayered scam orchestrated by XXXX.XXXX. This involved transfer of a sum of XXXX dollars from my account in Bank of Oklahoma to a recipient in XXXX XXXX XXXX  for investment purposes. I have been cheated of that amount.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, a check was made payable to Affirm to pay off my loan balance. It was mailed certified next day delivery. According to my banks records, the check was delivered on XX/XX/XXXX and it cleared from my financial institution XX/XX/XXXX. About a week ago I chatted with someone because my payment wasn't showing on my account. He said it was an issue on affirms side and that he would escalate it but that he could see that the check was processing. When I asked him about the payment that would be due soon he advised me that I should pay it and then wait a month for the process to get that payment back. I told him I didn't have that kind of money for them to hold an additional {$40.00} hostage when they have had my check over a month. Fast forward a week later and I still don't show it as processed. Again, XX/XX/XXXX, almost 6 weeks later from my check being negotiated, I called in to Affirm to see what the issue was. I got a lady who again tells me she was going to escalate it and wants me to give another 3-5 business days. I asked to speak to a supervisor who never asked me to give him what was going on and keeps repeating it takes 10 days from receipt of the check to process it. I stated multiple times it's been almost 6 weeks. He reiterated that all he can do is reescalate the problem. This isn't acceptable and now it shows past due on my loan from a check they received and cleared over a month ago. The supervisor kept asking where it was mailed to even though they have recieved and negotiated the check. I felt like I was being blamed for it taking them so long to post my payment. On today, XX/XX/XXXX, I again chatted with customer support. She stated the check is still processing. She confirmed they received the check but that she would escalate the problem. When I asked her if this would effect my credit she stated it could. I have had this loan paid off for over a month and they are still holding my check. They never sent me any notice nor have they given me any reason why theyre not posting it. In the mean time, theyre harassing me with past due payment notifications. I just need them to post my check.
Product: Student loan

I made a payment in full for my outstanding balance due XX/XX/2018 on XX/XX/2018. I made a payment in full for my outstanding balance due to XX/XX/2018 on XX/XX/2018. Each time my balance came to {$0.00} after submitting my payments. Each time my payments were processed well before the due date. 

This morning, XX/XX/2018, I checked my account to discover a balance of {$20.00}, {$10.00} of which marked past due. 
I immediately contacted Navient customer support, who could not identify what happened short of my overpayments were not processed toward the outstanding balance. I made overpayments *in addition to* paying my full monthly balance on time every month. The agent told me she would reallocate funds from a previous overpayment to abolish the overdue charge, but she did not specify from which overpayment she would shuffle the money. I made it clear not to take it from the loan I paid off in full on XX/XX/2018, so now I am waiting to see if that decision was honored. 
The agent guessed this happened as a result of my IDR plan, for which I had been required to reapply for my XXXX payment and which was processed on XX/XX/2018. There was no answer as to why an overdue charge was posted to my account for my XXXX bill ( as well as an additional {$10.00} for my XXXX bill ) the  morning after I had payed my balance in full through XXXX.
Product: Credit card or prepaid card

Capital One credit card- there was a few fraudulent charges made by someone to XXXX I spoke with customer service on XXXX occasions and explained that I did not make these purchases, in fact I had yet to use the card at all as it had just arrived in the mail. On XXXX occasions I was assured the charges would be reversed due to fraud. I spent at least XXXX  hours on just the first phone call- the length of time spent by me to resolve this is not appropriate for a credit card company. I continue to receive notices for payment plus late fees. I cancelled my card due to the frustration.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of A credit card account opened at XXXX  XXXX on XX/XX/XXXXXXXX  Account number ( XXXX ) an credit card opened at at XXXX XXXX XXXX  on XX/XX/XXXXXXXX  Account number ( XXXX ) .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulent filed my federal tax return with a fake job XXXX and my unemployment benefits this year. XXXX XXXX tax professional states I signed for my data to be breached and I never did sign anything. Now they are destroying my credit report and has access to all my personal information. The last time I filled taxes was 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I put a fraud alert on each credit report and because of that I am now in XXXX. I would like to take the fraud alert off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with the credit bureaus in regards to several accounts listed on my credit report. On XX/XX/2022 I sent in off a investigation letter to check the accuracy of the accounts on my report and to make sure my accounts were properly investigated and 100 % accurate. The credit bureas reported that the following accounts were accurate Aidvantage account XXXX {$1700.00} {$340.00} {$4900.00} {$3000.00} {$5100.00} {$5200.00} {$2500.00} {$2600.00} {$1200.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$550.00} XXXX XXXXXXXX account XXXX {$1200.00} XXXX XXXX account XXXX The credit bureau violated ; XXXX XXXX XXXX section A, B, and C ; XXXX XXXX XXXX a section i ; XXXX XXXX XXXX section b. The law clearly states that a consumer reporting agency can not furnish a account without my written instructions. I havent given any written permission to furnish these accounts on my credit report. I am asking for a removal of all accounts listed.
Product: Payday loan

I KEEP RECEIVING PHONE CALLS FRON NORTHEAST RECEIVABLES MANAGEMENT LLC. I NEVER RECEIVED ANYTHING IN THE MAIL OR ANY PAPERWORK VALIDATINHG THIS DEBT. THEY ARE CALLING MY JOB AND MY RELATIVES TELLING THEM I OWE THEM MONEY. TO BE HONEST IM NOT EVEN SURE WHAT THIS IS FOR. I HAVE MAILED A CEASE AND DESIST LETTER TO THEM AT XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX
Product: Debt collection

I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.
Product: Credit card

I had submitted for an electronic payment to be processed on XX/XX/ for {$1100.00}. I learned on XX/XX/ that they reversed the payment with reason " payment stopped. '' They charged me {$40.00} to the account. I requested reason why and they said they would have to investigate. The funds were in the bank account and I did not stop the payment. Again on XX/XX/ I submitted for the {$1100.00} payment to be processed. On XX/XX/ they reversed the payment as " Payment Stopped '' and again charged the account another {$40.00} payment reversal fee. I did not stop this payment and the funds are in the checking account. My bank account information is correct on their system. 

I have been a good customer for many years with this account. I do not know what is going on with their system why this continues to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 1602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I am disputing XXXX  account number ending in XXXX XXXX XXXX XXXX  account XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid down my debt but still show inaccurate information
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The account in question does not belong to me, and I have serious concerns regarding its validity. I have previously requested documentation, including the purchase agreement and any other supporting documents, to prove full ownership of this account. To date, I have not received sufficient evidence to verify that this account belongs to me.
Product: Credit reporting

TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED : -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address 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 inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Syst XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX According to Statue 15 USc 1692 C If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must see all communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 2 accounts that are falsely reporting on my credit reports for a year now ; I have never received the proper, legal verification that these debts are owed or that the account was late. XXXX XXXX XXXX is claiming that I have a charge-off but this was paid long ago but they're still reporting this! This should've been removed because it's obsolete and I'm no longer financially responsible for it! Then, XXXX XXXX XXXX is showing a late payment but has never provided proof of the actual late payment ( statement, when they received my payment and when it was posted, etc. ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute Letter Regarding Civil Negligence and Non-Compliance Dear Experian Dispute Department, I am writing to formally dispute inaccuracies and address concerns regarding negligence and non-compliance in the handling of my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a duty to ensure that all information reported is accurate, fair, and compliant with federal standards. 

Upon reviewing my credit report, I identified the following inaccuracies and errors : 1. Prestige Financial, incorrect account information, duplicate entries, inaccurate balance or payment history, etc. ] Despite my previous attempts to resolve these issues, no corrective action has been taken. This demonstrates negligence on your part to comply with your legal obligations under the FCRA, specifically Section 611, which requires prompt and thorough investigations into disputes. 

This lack of compliance has caused the impact, e.g., financial harm, stress, denial of credit, higher interest rates, etc. ]. I request that you take the following actions immediately : Reinvestigate the items listed above. 
Remove or correct the disputed information. 
Provide a written response with the results of your investigation, along with an updated credit report. 

Please find enclosed copies of supporting documentation, If the requested corrections are not made within the 30-day period required by law, I will be left with no option but to pursue legal remedies for civil negligence and non-compliance. 

Thank you for your prompt attention to this matter. I look forward to your written response. Please contact me at XXXX, XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of the credit reporting act the following creditors has violated my rights by publishing my credit cards and consumer cards account as late. 
- XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance of the credit Report act, 15 USC 1681 Section 602 state " I have a right to privacy ''.

In accordance of the credit Report act, 15 USC 1681 Section 604a section 2 state " Consumer reporting agencies should not furnish any account information without my written consent ''.

In accordance of the credit Report act, 15 USC Section 1666 B state " A creditor may not treat a payment on a credit card or open consumer account as late for any reason '' Therefore the credit reporting agencies such as XXXX, XXXX and Experian have violated my privacy right.