23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I'm contacting to follow-up regarding a dispute opened with OneMain Financial that I made against the merchant XXXX on XX/XX/year> for a transaction totaling in the amount of {$370.00}. The dispute record number for this is XXXX. 

Background on the transactions...

There were 2 transactions processed totaling in the same amount on different dates as follows... 
XX/XX/year> - {$370.00} Reference Number - XXXX ( refunded by XXXX ) XX/XX/year> - {$370.00} Reference Number - XXXX ( disputed XXXX ) OneMain Financial processed a provisional credit to my account on XX/XX/year> for the dispute in the amount of {$370.00} which was reflected on my XX/XX/year> statement. OneMain Financial then reversed my provisional credit due to a refund being processed to my account from XXXX on XX/XX/year>. 

OneMain Financial reversed the provisional credit in error as the refund from XXXX was received for the transaction on XX/XX/year>, NOT the 'disputed ' transaction which was on XX/XX/year>. 

Currently I am still owed the {$370.00} for XX/XX/year>. I was NOT refunded by XXXX for the disputed transaction. As such, I am formally requesting that this dispute be re-opened and evaluated even though the transaction was processed in 2023. Legally this dispute must be processed as OneMain Financial made the error of closing the dispute for a refund that was NOT associated with the 'disputed ' transaction. Additionally I am not responsible for any interest on the disputed charge up to now due to the negligence of OneMain Financial. 

I do not know why XXXX refunded the transaction for XX/XX/year> and not the one for XX/XX/year> thus I can not work with them to receive a refund and must work with OneMain Financial. I have submitted many complaints with the Consumer Financial Protection Bureau for this issue and hope that OneMain Financial will take accountability for their error regarding this matter. I look forward to hearing from you regarding when I can expect my credit to be processed, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Transunion. It is the Credit Bureau that is the most damaging to the consumer based it's inconsistent with reporting. Both XXXX  & XXXX  present information that is more more comparable and consistent. Transunion 's scores are always much lower based on they do not include all that the other two do to make for a more REAL score. I am trying everything that I can to improve my score and have made pretty good progress but Transunion constantly based on it's lack of up to date and consistent comparable data has been very detrimental to my progress. It should be mandatory that all creditors report to all three bureaus for the purpose of presenting accurate information and reporting. This needs to be addressed because it is critical to those of us trying improve our credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX, AND XXXX IS IN VIOLATION : 1. UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C. 1681 ( G ) I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL OF THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILE CONCERNING THE ACCOUNTS THAT YOU ARE REPORTING IN MY CREDIT REPORT. 

2. IF YOU DO NOT HAVE ANY DOCUMENTATION IN YOUR FILES TO VERIFY THEACCURACY OF THESE DISPUTED ACCOUNT ( S ) THAN PLEASE DELETE IMMEDIATELY. AS REQUIRED UNDER FCRA 611 ( a ) ( 5 ) ( A ) ( i ). BY PUBLISHING THESE INACCURATE AND UNVERIFIED ITEMS ON MY CREDIT REPORT AND DISTRIBUTING THE TO 3RD PARTIES YOU ARE DAMAGING MY REPUTATION AND CREDIT WORTHINESS.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Student loan

Nelnet states my loan payment is {$630.00} per month. I applied for the SAVE program on XX/XX/2023 per studentloans.gov and was quoted by the Department of student aid that my first payment was due XX/XX/2023 and would be {$5.00}, ongoing payment amount would be {$330.00} per month. This SAVE application was then sent to Nelnet to continue being processed. As of today, XX/XX/2023, this application is still pending and I have received zero, NO correspondence ( email, letter, mail, notification via website ) from Nelnet on the reason why or how to proceed in getting my application approved. I have attempted calling customer service, and have sat on hold upwards of 3 hours. I have emailed 3 times with no success. Clearly many others are calling and at an important time of loans being reinstated to show negligence is adversely affecting borrowers again. This issue presents negative affects for my ability to ensure payment is made on time and accurately, and could result in severe consequences to me. The descrepency in Nelnet 's quoted monthly payment, verses the SAVE payment is SIGNIFICANT and appears transparent why they are not following through with approving the application in a timely manner. I have provided income verification, even though not requested after reading a forum online indicating others were experiencing the same issues. Why when other loan servicers are able to approve and apply the SAVE discount ON TIME, should I be penalized because Nelnet is not held to the same standard or expectations?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XXXX XXXX from all three credit bureaus. I noticed there were credit inquiries from companies that I had no knowledge of. I contacted XXXX, XXXX, and Experian to notify them of the credit inquiries that I had no knowledge of and they advised me to contact the actual companies and told me the inquiries could not be removed because they are factual data. The following information is displayed on my credit report as inquiries and I have no knowledge of these companies. 

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 XXXXXX/XX/XXXX Experian- US Sm Bus Admin Oda XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On or about XX/XX/XXXX I had a Wachovia Bank Account. On a Friday that I moved, I gave the mover a post dated check and asked him to deposit it on Tuesday, as I had a lot of ATM transactions over the weekend and I would make a deposit on Monday. 

He cashed the check on Monday and because the bank withdrew the check first, they charged me about 10 overdraft fees for {$35.00} each. The check was post dated and it was cashed prior to that date. 

Now, 10 years later, I find out that the debt was sold and now they're after me. 

I am in hardship. I was in a shelter in XX/XX/XXXX and XX/XX/XXXX and I have not been able to find work. The little money that I make I give to my daughter who is allowing me to live with her. 

At the time that this occurred my daughter had just turned XXXX. I was a single parent her entire life. Her little life depended upon me. It prevented me from buying food and clothing for her and limited my ability to help her get off to college in NC. 
Also, I did not have a checking account until XX/XX/XXXX-XX/XX/XXXX because of this. I had to use greendot, etc. 

The bundling of fees is not okay. Additionly, I was a customer since XX/XX/XXXX and at several different points had over XXXX in the account and they were always charging me overdraft fees instead of taking the money out of the savings. This was an ongoing problem and I never disputed it, but rather paid it. 

I can not tell you how deeply devastating this was to me. I actually ruined my entire life!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MN. XXXX XXXX : XXXX Date of birth : XX/XX/XXXX Date : XX/XX/XXXX Dear Equifax Sir/Madam. 

I would like to investigate the accounts listed below as it is not reporting on my credit report : Creditor Name & the account : XXXX I would like to see my payment history this account. Can you please send it to me. I paid off i have a zero balance. please look all 3 credit bureaus with different reporting this needs to be remove from my file and the credit bureaus it not reporting not accurately I wait your response, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A XXXX XXXX XXXX VETERAN AND MY CREDIT REPORT TOOK A DIVE WHEN I TOOK A CHANCE AND PUT MY TRUST IN A CONSOLIDATION COMPANY ( PERFORMANCE SETTLEMENT ). I WAS MISLEAD, MISINFORMED, LIED TO, AND MY PHONE CALLS WERE NOT RETURNED WHEN I CALLED THIS COMPANY WITH CONCERNS ABOUT MY MONEY TAKEN FROM MY BANK ACCOUNT. PERFORMANCE SETTLEMENT TOLD ME NOT TO ANSWER MY PHONE, NOT TO MAKE ANY PAYMENTS, AND TO SEND EACH CREDITOR A BOGUS ADDRESS SUPPLIED TO ME BY PERFORMANCE SETTLEMENT. EVERYONE I TALK TO SAID THIS COMPANY RIPPED ME OFF, EVEN OTHER CONSOLIDATION COMPANIES SAID THEY HEARD OF PERFORMANCE SETTLEMENT AND THAT THEY HEARD NOTHING GOOD ABOUT THEM. BE FORE I TRUSTED PERFORMANCE SETTLEMENT MY CREDIT SCORE WAS IN THE XXXX, AFTER I EXPERIENCED 6 MONTHS OF XXXX  MY SCORE IS NOW IN THE XXXX, BECAUSE I PAYED PERFORMANCE SETTLEMENT AND LISTENED TO PERFORMANCE SETTLEMENT 'S LIES. NOW I'M SUFFERING AND I AM LOOKING FOR RESTITUTION.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injuries to my credit score. 

Account Name : XXXX Account Number : XXXX. 
In accordance with the fair credit reporting Act public law. Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance.
Product: Credit reporting or other personal consumer reports

There is an account reporting but I have never had an account with XXXX XXXX XXXX XXXX XXXX 

They bought out a bank that shut down in XXXX, WI. 

I had an account with the original bank and XXXX XXXX returned my money because they didnt offer the same product the original bank offered. ( I have the check to prove they paid me back ) I never held an account with XXXX XXXX XXXX XXXX XXXXXXXX so how can I have multiple late payments? 

Please delete this entire account from my consumer file. I want to exercise my right under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 1681a ( 2 ) under the exclusion section. 

I have been violated according to 15 U.S. Code 1692g section a & b. 

If this account is not removed from both my Transunion and XXXX reports within 30 day of receipt of this complaint I will sue. 

I have disputed this so many times and nothing happens this is my late time.
Product: Checking or savings account

Mainly charges for overdraft fees or NSF OD fee for atm and check card transaction that I'm not opted into or enrolled in. I can give more details in phone interview but the latest as of today cost me {$130.00}. 4 NSF fees of {$36.00} each because of Regions paying charges from online debits to my Check card when I have specifically opted out and even asked a representative to place in my account a note that in the event of insufficient fund do not pay and then charge me the od fee as I cant afford it. Yesterday I spoke with the Branch Manager at the local regions in XXXX. GA and XXXX I believe is his name specifically told me he wish he could help but he can't even after I read him the policy saying that if I was not opted in then I would not be charged. I just sat back in his chair and laughed. I have sent emails to regions to no avail. 
Also, if I deposit money it becomes immediately available for me to use but if I do the next day Regions will post debits to overdraft account the charge a fee then post deposit. Even to where you can see a positive balance then a NSF OD FEE to put account in negative so the next transaction causes another of fee.
Product: Mortgage

Please reference prior claim filed with CFPB, [ Case number : XXXX. This is an ongoing issue. Mr. Cooper continues to improperly post payments, does not post payments timely etc. I continue to receive letters from their attorney that I am 3 months delinquent when I am actually only due for the current month. They have now been granted relief from the automatic stay. At the time I began working with Mr Cooper to resolve this situation yet again on XX/XX/XXXX I was contractually due for XX/XX/XXXX with a post petition due date of XX/XX/XXXX. Now, theyve made additional adjustments and show that Im contractually due for XX/XX/XXXX with a post petition due date of XXXX. At the time of the last letter in XX/XX/XXXX they agreed I was current and due for XX/XX/XXXX. Since then I have made a payment in XXXX, XXXX and 2 in XXXX. The bankruptcy department just told me yet again that since my post petition payment amount is different than my contractual payment amount that they get misapplied. This is entirely unacceptable. They have caused me significant emotional distress over a period of years. The mortgage statements attached show I was current. In XXXX of XXXX it took filing a complaint with the CFPB to get the issue resolved. Im hoping between this new complaint and the complaint I filed with FHA that they finally get this corrected in a satisfactory manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by Equifax that my information may have been " compromised ''. 
I signed up for their identity protection service offered free. I can not obtain access to my account so that I can freeze my credit file. Also I have not been able to obtain access to other credit companies so that I can freeze my file with them. I receive the message " try again later ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2018 I spoke with Experian credit bureau regarding a 10 point drop on XX/XX/2018, in my credit score. They said there is nothing I can do to dispute scores. 

On XXXX.18 my score was XXXX after a 5 pt increase. Then XXXX.18 it went to XXXX which is the normal 5 pt increase, HOWEVER on my alert the system verbiage stated that my credit score went up 16 points/it DID NOT increase my score by 16 pts! It ONLY went up the usual 5 pts. Then, and Im sure this was in an effort to correct itself, on XXXX.18 the system lowered my score 10 pts AND IT ACTUALLY TOOK MY SCORE DOWN!!!!! 
The alert stated it was good news and that my credit rating would remain at fair. 
Today Experian staff has stated repeatedly that they can not do anything about my score even though my alerts clearly show that NOTHING adverse happened in that time period to cause the drop OTHER THAN THE ERROR ON THE PART OF THEIR SYSTEM TRYING TO FIX ITSELF UGH! 
They added 5pts. accurate Said they added 16pts. but didnt then deducted 10pts. 
TRULY BAD MATH WOW! 
Ive attached my alerts & history from Experian to show what happened/details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It may Concern.

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE All information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C ( 1681 ), every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The Following derogatory account allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately the infractions are as follows ; Alleging Creditor and Account as is reported as having a late payment my credit report : Creditor : XXXX XXXX Account Number : XXXX I demanding that this account be update to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you be certified mail.
Product: Vehicle loan or lease

This is not a vehicle it is a commercial trailer loan with a company called Aqua Finance, which i do already have a existing open loan since XXXX XXXX. Yesterday XXXX/XXXX/XXXX I applied for a additional loan through the funding company Rock Solid Funding that goes through Aqua Finance ( which again I have a open loan already with them on a trailer I purchased XXXX ) I got a email from the XXXX XXXX XXXX  that Aqua Finance denied me. I called Aqua finance today XXXX/XXXX/XXXX at XXXX ( eastern time ) I was on the phone for 41 minutes and got no where.I spoke to the lady who answered to find out why I was denied she said my account is past due, I explained to her it is not according to all the invoices/receipts she spoke to a supervisor and came back on the line and said due to that they denied me, I asked to speak to a supervisor ( XXXX ) I explained I am current according to all my bills since XXXX she transferred me over to billing, I spoke to XXXX she said she has a 3rd party billing and they always mess up and explained I had a payment due today which I was aware of and was to pay today ( which I did ) I asked XXXX so I am not past due she said No. I asked to be transferred back to ( XXXX ) the supervisor she then said the same things I said I need to talk to your Supervisor she got me on the phone with XXXX I explained the whole situation that I should not be denied for past due balance cause I am not, I told her that I have all emails, receipts, their invoices showing no past due etc.. She then stated we are not financing you due to late payments, I then got upset mentioned to her that I will contact FTC and who ever I need to since I feel this is a " false statement about the ability to offer a loan '' since I do not have a deliquent/past due. XXXX then changed why i got denied and said we are not approving you due to having to pay off exsisting loan which I then got angry with her and said oh now XXXX you are changing why I got denied after you and everyone else stated before I was denied for past/late charges which is incorrect!! She then had nothing further I told her I will forward all this proof over that I am not late/past due she then didnt want to speak to me further. 
I am so upset with how this is handled and how i am being falsely denied of this loan which is affecting y business.
Product: Credit reporting

Experian will not let me dispute a judgment. It stated they already investigated it. I want this judgment deleted from my credit report. There is no such document in XXXX County Clerk 's office.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Correction of Credit Report Errors Dear CFPB I am writing to formally dispute an inaccurate account on my credit report that I recently reviewed. It has come to my attention that there are late payments reported on an account where I have consistently made my payments on time. 
As per the Fair Credit Reporting Act, consumer reporting agencies are required to report all information with complete accuracy. This account does not reflect that standard, as it should not indicate any late payments. 
I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. 
If this information can not be verified, I demand that the payment history be updated to reflect that these payments were made on time, effective immediately. 
Thank you for your understanding and prompt attention to this matter. I look forward to your response.
Product: Credit card

I have been sent a pre-approved credit card application from XXXX XXXX, XXXX XXXX. XXXX, UT XXXXXXXXI am registered on XXXXXXXXI would like to know where Capital One got my credit information? And my name removed from Capital One contact list
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.