23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I did a balance transfer to a Citi Bank card that advertised no APR for several months. My payment is due on the XXXX each month. I started making my payments early at the beginning of each month, usually on the XXXX or XXXX of each month. Due to their statement not generating at that moment it does not apply my payment for that month. So each month it will still show that I owe for the XXXX of that month even though I have already paid. They charged me a late fee in XXXX but then reversed it when I called to complain. I called again in XXXX to try and fix my statement due date because I already paid for XXXX. Each time I called I get someone who does not understand English very well and overall just doesn't understand what to do. They have advised me to wait and pay after the statement generates to avoid this issue. They fixed my account for XXXX so no late fee would get charged because I already made the payment. When it came time to pay XXXX 's payment I waited to pay on the XXXX after the statement generated. It showed that I had not paid for XXXX and that I was past due. When I made the payment for XXXX it was applied to XXXX and did not reflect I paid for XXXX. I made the payment on XX/XX/XXXX. Once again I tried calling and the man who barley understood English told me not to worry and that once the payment processed it would fix my account. I called again on XX/XX/XXXX because it shows I still owe for this month. I spoke to two supervisors and was advised that I would have to make another payment for XXXX and that it posted for XXXX. They said there was nothing I could do and that he would change my due date to the XXXX of every month but that I would still have to make another payment for XXXX. I am being penalized for making my payments early because their billing statement can not keep track of payments and when they are made. He told me I would have to pay late fees if I do not make another payment in XXXX and the fees will get charged each month.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to follow up on my dispute regarding hard inquiries on my credit report, which were conducted without my explicit consent. Following a comprehensive review of my credit file, I uncovered several unauthorized inquiries into my credit history, resulting in hard inquiry entries on my Equifax credit report, as detailed below : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USE SOMEONE TOOK MY PERSONAL INFO AND OPEN UP FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I have had several issues with the credit bureaus reporting incorrect information, I have requested copies of the original creditors and I have not received it. I am paying for a credit monitoring service because my sister XXXX XXXX information keeps getting put on my credit profile even after sending documentation on several times to get corrected. It would get corrected but later reappear on my credit profile. Also because the bureaus should be reporting the same information they however are not there are so many discrepancies on all three
Product: Credit card

I had a care credit account show up on my credit report back in 2008. I had contacted them to let them know this was not my account and asked them to send me supporting documents to provide me proof that it was my account. To this day the company has never sent me any documents and I have never made one single payment to them. The account has been a charge off account on my credit report for almost eight years.
Product: Student loan

I wasn't aware of the derogatory remarks made to my credit score until XXXX of XXXX while trying to apply for a loan forbearance. Last year in XXXX and XX/XX/XXXX Nelnet made derogatory remarks which impacted my credit score. I have attempted to apply for a forbearance due to my financial situation at that time. Upon contacting Nelnet they state that XX/XX/XXXX was the first time I reached out to them to discuss my past due balance, which is incorrect. I know for a fact that I spoke with someone prior to XXXX. As a matter of fact I've had numerous issues when contacting them, but I remember it because I was calling regarding my application and they were having computer issues of some sort. I have applied for a financial hardship of some sort and it had not been processed or processed correctly. I have made every attempt to keep my student loan in order and have called numerous times throughout the years to check on my status. Now due to some mishap that happened, I am the one who is paying the price with derogatory reporting. Never once did they let me know that they had reported it until I pulled my credit score. It was unfair how this took place, as I've followed up to make sure that forms were completed properly. Just to mention half the time that I spoke with someone there they always gave me the run around and no one knew what they were doing and every time I called I got a different answer from everyone. It was my mistake I wasn't into detail to take notes as I was always getting the run around. I have sent them a letter XX/XX/XXXX and still haven't heard anything back. I am attaching a copy.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiring Company : XXXX Date of Inquiry : XX/XX/2023 These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Consumer Loan

I am late on my car payment and Regional Acceptance Corp has been calling at least XXXX of my friends yesterday. This is illegal in Florida to my knowledge and I would like to file an official complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I the consumer notified Equifax through the CFPB portal of the two negative accounts that was furnished fraudulently on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. The XXXX accounts read ( DEPT. OF HUMAN SERVI ). Equifax failed to Investigate the first time and now they're performing a re-investigation witch is a violation of the FCRA because pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax failed to Investigate both times according to federal law ( FCRA ), Equifax haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Equifax and the DEPT. OF HUMAN SERVI are committing Fraud and Identity theft. I the consumer just got an update on the ( XXXX of XX/XX/2022 ) from Equifax that they ( removed/Deleted ) the XXXX FRAUDULENT ACCOUNTS ( DEPT.OF HUMAN SERVI ). DELETION IS ADMISSION and Equifax Caused DAMAGES to I the consumer, I the consumer Is Demanding monetary relief for the following violations/Damages In accord to federal law ( FCRA ) : 2 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 USC 1681.

Equifax and the ( DEPT. OF HUMAN SERVI ) Violated Title 15 USC 1681b ( a ) ( 1 ) Under permissible purposes of consumer reports and Violated Title 15 USC 1681a ( e ) Investigative Consumer Report.

I The Consumer/Natural Person, Experienced SLEEPLESS NIGHTS, ANXIETY, my REPUTATION RUINED, HUMILIATION, and UNABLE TO WORK. 
AMOUNT : {$3000.00} DUE UPON RECEIPT PAYMENT METHOD : PAY BUY CHECK.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items 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 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: Checking or savings account

Tried to open an account with XXXX XXXX : Mobile Banking by First National Bank of Omaha thru their app on XX/XX/2024 and was denied. 
The reason it was denied is because it did not meet the bank 's requirements. 
" The bank requirements encompass several determining factors, including, but not limited to, personal information discrepancies or an inability to validate identity. '' When I reached out over the chat thru the app to ask for the detail of the discrepancies or which of my identity was invalid so it can be corrected, the bank unable to share that information due to privacy reason. 
It seems like their decision is final and nothing can be verified or corrected.
Product: Debt collection

In XXXX of 2018 I went to the hospital a free an accident and was seen at the emergency room. They did not file with my medical insurance they use my car insurance to file the claim and now they are saying I owe almost {$700.00} dollars in medical bills. But I have and had insurance the hospital never billed them. Now Im getting a mark on my credit for no reason I have tried to give them my insurance information but they will not take it. This is not my fault it is the fault of the file department at the hospital they had my insurance info on file they failed to use it. Even my insurance timely filing is 15 months it has only been 8 months. This could easily be removed.
Product: Debt collection

XXXX put a collection account on my my credit report that dont belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

my auto loan was paid in full with XXXX XXXX XXXX at the end of XX/XX/2019 and all 3 credit bureaus are showing it as open and a balance owed still. Why at the end of XXXX is it not showing on the 3 credit bureaus a " XXXX '' balance. This has affected my credit score as well as trying to obtain further credit. I have contacted XXXX  and XXXX  to fix, and i was told that this matter would be handled within 72 hours and it is 5 days later and despite the holiday, this should have been taken care of.
Product: Debt collection

I wanted to report that this company Performant Recovery was calling my co-workers on their personal cell phones in the evenings to get information about me. My co-workers gave me the numbers that the company was calling from so I contacted them to find out what this was about and they are a debt collection company. Long story short, they had the wrong person, I don't owe anybody anything, but they were incredibly rude on the phone. My understanding is that it is not legal to contact people 's co-workers at home in order to get information about them, which is what they were doing. They were asking from my social security number, address and phone number but wouldn't tell my co-workers what this was about. They never tried to contact me at work or home, although they claimed that they did. I'm in the phone book and they also had my work number but never called me there. When I finally convinced them on the phone that they had the wrong XXXX XXXX ( my name ) they told me basically it was my fault for having such a " common name ''. It's very upsetting to know that your co-workers are being contacted by someone looking for information about you but not knowing why. Especially since they had the wrong person.
Product: Credit card or prepaid card

I went on my first vacation in 15 years XX/XX/XXXX, XXXX XXXX, 2023 to XXXX. On the XXXX day my wallet was stolen with cash, my drivers license, credit card and debit card as I had not been able to put it back in the hotel cause I got cash out from ATM. I called my credit card co about getting emergency cash and new card. I have included my letter to them as what I experienced during my conversations with them was absolutely awful and given wrong information consistently. I was basically stranded in another country with no money. I want them held accountable for their false advertising as I have also included. I actually just had someone call me from there and she told me the agents I spoke with have gone thru more training as they provided wrong info. They also said they have given me XXXX rewards points and offered me {$75.00} which is a slap in the face to what they put me through. And their website had inaccurate promises as well. I had to borrow from my already small savings account as I was planning on using my card for my trip and then pay back later. So this not only cause me considerable amount of mental stress and anxiety but now financially as well. Phone number to reach someone directly about this : XXXX ref # XXXX
Product: Checking or savings account

On XX/XX/2023, someone broke into my car and stole my check book and personal information. I notified my bank, PNC Bank, NA, on XX/XX/2023, and they allegedly imposed a freeze on the account. The, on XX/XX/XXXX & XXXX, 2023, I discovered that the thieves initiated ACH transfers from my PNC account ending in XXXX to : ( a ) XXXX XXXX - {$1600.00} ( XXXX Account No. XXXX ) ; and ( b ) XXXX - {$290.00} ( XXXX Account XXXX. XXXX ). Despite that PNC does not dispute that the transactions were fraudulent, PNC refuses to return the funds to my account.
Product: Debt collection

USCB America 's client XXXX XXXX is trying to collect on a debt that was never billed correctly to XXXX XXXX XXXX XXXX Medicaid in NM. Had XXXX billed the debit in a timely manner, before they could not agree on a contract extension, it would have been paid by XXXX. This matter was closed in XX/XX/XXXX  ( see complaint No. XXXX attached ) and any further action by XXXX XXXX is only to harass me for losing their case and being reported to the NM Office of the Inspector General and by CFPB reporting there actions the FTC.
Product: Checking or savings account

I opened an account with sofi bank. I wired my funds from XXXXXXXX XXXX  to sofi ( around {$2500.00} ). It was open about a month & I deposited a check it initially was cleared after a week. The check then came back, but I had the funds to cover the bad check. They then froze my account which was about 2 months ago saying I violated there policy. I asked them when they were going close my account and issue a check and mail me my remaining funds, they said they couldn't give me any information at this time. Everytime I call that's what they tell me. They still haven't closed my account & are now saying I will not receive my remaining funds when I am owed around {$900.00} & want give any more information. I have asked was there anything I can do to speed up process? One lady told me I could do a verify your id check. So I completed that & she said not to worry after that I would be receiving my funds. I have called twice since then speaking with someone in the fraud department everytime they are now saying this last time I will not be receiving any of my remaining funds. I asked why they couldn't give me a reason. But I don't owe any money to bank, I'm still owed around {$900.00} dollars & want my remaining funds.
Product: Debt collection

TEK-COLLECT INC ( XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ) bought a debt ( Account number XXXX, Collection opened XX/XX/2017 ) from original creditor : XXXX   XXXX XXXX in the amount of {$650.00}. I have complained and disputed so many times with XXXX, XXXX, and XXXX as well as Tek-Collect. I keep telling them each and every time that I never attended this college. Each time they ignore me and keep on with the debt.
Product: Checking or savings account

I called and issued a stop payment on the XXXX of XXXX. I later checked my account and on the XXXX of XXXX the funds were paid to the merchant. I called the bank tried to resolve and do a charge back given I did a stop payment Wells Fargo refused to refund or reverse saying that there is no stop payment guarantee. I also got a letter saying that my stop payment request was not on a recurring transaction so it doesnt apply. What? For one yes it was and for two I didnt authorize the funds to be taken out of my account. Seems to me they made the mistake but dont want to take accountability to fix it
Product: Debt collection

this dept is not mine I called the company previously several times. I offered to pay because I didn't want in my credit report they refused to take money now this thing is in my credit report. I did not get this account my daughter ordered cable I 2020 when coded started she is responsible foe the bill. I did not t this bill what license did they get to show proof that I got this bill
Product: Credit reporting, credit repair services, or other personal consumer reports

i contact XXXX XXXX XXXX, Experian by mail by phone many times all this negatives should not be on my name i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate, i hpe this get remove only XXXX did remove the public record but i still heavy other things its not my XXXXXXXX XXXX did not removed yet, Experian needs to remove the Public record please im asking CFPB for help
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions, I have asked for the credit bureaus to stop violating my rights and privacy. I have not received an acceptable resolution with either attempt. Instead, the credit bureaus are not ignoring my legal rights. Because of their decision to ignore my rights, I am mentally, and physically " SUFFERING ''. I have gone into a deep XXXX, gone into escalated levels of XXXX, developed XXXX XXXX XXXX XXXXXXXX XXXX, and gone into severe distress and embarassment due to the stress that this is causing me. 

Nearly every single day of my life, I am being harassed by phone, texts, direct mail, social media direct messages, an by collection agencies sending individuals to my home and/or work with the attempt to serve me with lawsuit paperwork. Going through this has caused my life to be a very painful, and sad life to live. This violation of my rights has to STOP! It is affecting my quality of life and is making me mentally and physically sick. I beg of you, PLEASE respect my rights based upon the Fair Credit Reporting Act. 

The credit bureaus are reporting the companies listed in this complaint without my written permission, without my written consent, and without my written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with my written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act. 

They have broken the following Fair Credit Reporting Act laws : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I would like all negative information reported by or from each of the following companies permanently deleted from my credit reports immediately : 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