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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from Experian and I noticed inquires that did not belong to me. After reaching out to the creditors I was advised there were not any applications on file with their company and should dispute with Experian. The dispute with Experian was met with pushback and no resolution. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Any accounts listed on an identity theft report must be removed or blocked by credit reporting agencies in accordance with FCRA section 605b. In order to help stop erroneous data from being posted on my report, I have included a few files. 
XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$500.00}
Product: Debt collection

On XX/XX/XXXX, I received an email from Genesis, a debt collection agent, stating they are contacting me to collect a {$51.00} debt I allegedly owe XXXX. This was confusing because sometime in middle of XXXX, my aunt had completed an application to live in XXXX in XXXX  and requested to add me as a roommate, but we never moved in. I called Genesis and they told me me they were limited in the information they could provide. The notice stated I had until XXXX XXXXo dispute the claim. 

On XXXX XXXX I visited the XXXX office to inquire further. The receptionist accessed my records and found that the application fee was paid. She asked her management how else they can assist me. I forwarded the email to Genesis and stated I'm disputing the claim. 

On XXXX XXXX  responded that I can contact Accountant Receivable. I immediately asked for their contact information. XXXX  provided a generic email address and phone number. I called the number a couple of times. The operator stated they are experiencing a high volume of customers and that I could leave a message or stay on the line. I stayed on the line and after a few minutes, I was hung up on. I then sent a detailed email to account receivable. To date, I have not received a response. 

On XX/XX/XXXX, I called Genesis and they stated my dispute was still in review. On XXXX, I emailed XXXX, requesting assistance on resolving this dispute because I feared impact on my credit score. XXXX  responded they had not received correspondence from Genesis regarding my dispute. I called Genesis and let them know. 

On XXXX XXXX emailed I'm not responsible for the {$51.00} application fee that was previously due and they would contact XXXX to close out the account. In my response back, I cc 'd XXXX, and demanded two things : XXXX ) that XXXX cc me on the correspondence to XXXX due to their grave mismanagement of the situation and XXXX ) that XXXX formally withdraw the demand formally and in writing, and that I receive the withdrawal letter via email. 

To date, XXXX has not sent an email to XXXX and I have not received a formal withdrawal notice from XXXX. My fear continues that my credit score will be impacted based on this improper and unfair proceeding.
Product: Checking or savings account

There were two transactions processed for a bill normally charged ACH monthly that were not supposed to come out for {$43.00} and {$50.00}, overdrawing my account. Upon checking with the bank, overdraft protection was enabled and pulled out four transfers to my checking account after specifically turning this feature off. Bank of America informed me I would be charged {$12.00} fees for four transactions, totaling {$48.00} in fees. I will also be charged {$35.00} for each transaction that overdraws my account and there is a {$63.00} hold on my account for something not disclosed to me by Bank of America ; they have no idea where the transaction is coming from or what it is.
Product: Credit card or prepaid card

XX/XX/23 Called number on the back of the card ( XXXX ) to verify my balance. The {$100.00} was confirmed as my balance. It was suggested at this point that you should register the card to access balances and transaction, etc., so I decided to do so. 
XX/XX/23 - proceeded to go to the website www.giftcardmall.com/mygift as directed by customer service to register my {$100.00} XXXX XXXX card by entering the card number, valid thru date and XXXX digit code as requested. I noticed that the website was extremely slow processing the information so I called the XXXX to check my balance again. At this time the balance was communicated to me as XXXX cent?? 
XX/XX/23 - checked my balance again at it is still the same, XXXX cent again?? 

XX/XX/23 - emailed XXXX ; opened Case # XXXX Here is the response. 

Hello XXXX, Thank you for contacting Gift Card Mall Support. 

We are sorry to know you are having difficulties redeeming your XXXX XXXX XXXX. We will be happy to assist you. 

While our Gift Card Support team is unable to assist you with matters of this nature, as we are the order processors for gift cards purchased on our website, Visa Customer Support is available to take care of any questions or issues you may have. Please contact XXXX XXXX XXXX for assistance at XXXX. 

Your feedback is important to us, you might receive an email survey to rate your experience in this contact Cordially, XXXX XXXX. 
Customer Support Thank you for the opportunity to assist you! 
Hello XXXX, Thank you for contacting Gift Card Mall Support. 

We are sorry to know you are having difficulties redeeming your XXXX XXXX XXXX. We will be happy to assist you. 

While our Gift Card Support team is unable to assist you with matters of this nature, as we are the order processors for gift cards purchased on our website, Visa Customer Support is available to take care of any questions or issues you may have. Please contact XXXX XXXX XXXX for assistance at XXXX. 

Your feedback is important to us, you might receive an email survey to rate your experience in this contact Cordially, XXXX XXXX. 
Customer Support Thank you for the opportunity to assist you! 

XX/XX/23 - Replied to this email and asked if they would reopen this case as I followed all the instructions as provided by the customer service & balance inquiries. 
XX/XX/23 - hecked my balance again at it is still the same, XXXX cent again?? 

In closing, I have made no purchases using this card and would simply like to know what happened to {$99.00} on this card. 

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

this is like the 15 th time i have had to make a report about this credit reporting agencies, XXXX, XXXX and XXXX i have made police reports, ftc affidavids wrote them called them and they still keep putting this fraudulant info on my reports then they take it off to get it back three months later under a different collection agency name, I HAVE HAD AND STILL HAVE FULL COVERAGE MEDICAL INSURANCE FOR THE PAST 11 YEARS NO DEDUCTABLE! AND THEY KEEP PUTINNG THESE FRAUDULANT ACCOUNTS ON MY REPORT, NOW IT SAYS IT IS FROM 3 MONTHS AGO XXXX XXXX XXXX FROM COMMONWEALTH FINANXXXX XXXX XXXX WHICH IS A TOTAL LIE FOR ONE I MOVED TO XXXX XXXX XXXX 7 MONTHS AGO SO I AM NOT EVEN IN THAT COUNTY XXXX PLUS I HAVE INSURANCE THEY ARE SAYING I OWE XXXX XXXX I ASKED FOR WHAT SINCE I DONT EVEN LIVE IN THAT COUNTY THE CREDITOR CAN NOT TELL ME OR HAS NO SIGNITURE NO NOTHING BUT THEY PUT THIS FRAUD ON MY CREDIT!! I AM GETTING SICK AND TIRED OF THISOH BUT THE CAR I PAID OFF IN FULL NEVER LATE IS NOT PUT ON AS GOOD CREDIT BECAUSE I PAID IT OFF THIS IS SUCH A SCAM PLEASE HELP ME THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 letters to Equifax. the first dated XX/XX/2021 and the second XX/XX/2021. I have not received a response to my letters and today is XX/XX/2021. They have 30 days to respond to a consumer and they are not following the laws of FCRA.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( XXXX & Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; List inaccurate information here XXXX XXXX XXXX, XXXX, Ga XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX My only date of birth is XXXX My only employer is XXXX 's XXXX XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Account # XXXX Thank You XXXX XXXX
Product: Credit reporting

The account from XXXX XXXX XXXX was removed from my report. I just looked at it, and it 's back on there!!!!! I WANT IT OFF LIKE IT WAS AND TO STAY OFF!!!!!! I am NOT paying for a Credit Card that was n't mine!!!!! I 'm an ID Theft Victim!!!!! The account in question was under my maiden name!
Product: Credit reporting, credit repair services, or other personal consumer reports

CROOKED NOT HONORABLE COMPANY!!! 
LIES, LIES AND LIES. I've contacted this company in XX/XX/XXXX, and told them that if they are going to do hard credit pull before showing me possible terms, I am not interested. 
The case was closed. about 3 month later Hard credit inquiry appeared on my credit, without my consent or knowledge.

Today XX/XX/XXXX After contacting them and speaking to Manager XXXX, I was told pretty much that they reserve the rights to pull my credit anytime, and without my consent, which is ridiculous and not acceptable. 
I want unauthorized inquiry removed from my credit report, and all my personal records destroyed and removed from their database. 
My credit score dropped due to such unauthorized inquiry. 
Dishonorable company!!!
Product: Student loan

I applied for IDR/SAVE plan in XXXX. I received no communication until XXXX stating they were placing my loan into forbearance until the application was processed and that I would receive updates every 10 days. I received no updates until XX/XX/XXXX when they sent me an email stating I requested to remove my forbearance and my payments were due on XX/XX/XXXX on the standard repayment - I didnt request this as I was waiting for my application to be processed. My account now shows no record of my application for SAVE, and includes a letter stating I had to pay a certain amount by a certain date to be taken out of forbearance. The amount and date were BLANK. I called 3 times on hold collectively over 4 hours, finally talked to someone, they said if I paid the {$5.00} fee my SAVE application would be processed and my new payment would be reflected. The {$5.00} just went to my loans, still no updates on my application and is still showing the full amount due on XX/XX/XXXX. Studentaid.gov shows Nelnet has completed my application. I have received NO COMMUNICATION on this.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and as a result, fraudulent inquiries have been made on my credit file. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following inquiries be blocked and deleted from my credit report. 
Inquiries to be Blocked and Deleted : 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 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian You're breaking the law by reporting XXXX XXXX XXXX XXXX XXXX loan payments as late 8 times and XXXX  late payment. XXXX  account is closed voluntarily. The law does not state reporting late payments. Please reverse the late payments to show pay as agreed, or to a positive payment status as paid. No late payments should be reporting on my credit file. 
15 U.S. Code 1681a ( 2 ) ( I ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681D ( 1 ) ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; What Is a Transaction? 
A transaction is a completed agreement between a buyer and a seller to exchange goods, services, or financial assets in return for money A sales transaction between a buyer and a seller is relatively agree on the terms, money is exchanged for the good or service and the transaction is complete. 

B2B Payments Definition The definition of business-to-business payments or B2B payments is the transfer of value denominated in currency from buyer to supplier for good or services supplied. B2B payments can be a one time or recurring transaction depending on the contractual agreement made between the buyer and supplier. B2B payments are more complex than business-to-consumer or B2C payments, since B2B payment processing requires more time to approve and settle the transaction which can take days or weeks. 

There are four primary types of financial transactions in the business world. They include ; XXXX. Sales XXXX. Purchases XXXX. Receipts XXXX. Payments XXXX XXXX Date of birth : XX/XX/1971 SSN # XXXX ( last XXXX digits ) XXXX XXXX XXXX XXXX, TN XXXX
Product: Mortgage

A complaint has been field against NationStar Mortgage/Mr. Cooper, the Mortgage Co. #XXXX. However, Mr. Cooper failed to address several issues.  Mr. Cooper generated a bill that had a wrong amount due, it charges interest on the wrong amount, generated a delinquent statement based on the wrong amounts and calculated the following months amounts due based on the wrong amounts.  Although Mr. Cooper's XXXX. XXXX, 2017 response to the complaint denies receipt of our communication, Mr. Cooper's CEO, XXXX. XXXX XXXX  and XXXX XXXX indeed received the email and faxes.  (See attached proof)  But it's denial is indicative of their poor service.  Along with correspondence, we provided the facts to Nationstar/Mr. Cooper that the amounts it was billing were incorrect and at no time, did Mr. Cooper address our letters/emails.  Rather, it continued to over bill based on the wrong amounts.  We informed it that the amounts were wrong and informed it that it cannot send us delinquent or foreclosure notices based on amounts that were related to the taxes of the property.  It ignored all communications and continue to over-bill.  We requested a call back, which we never received and demanded a refund of all monies that were over billed, charged and forced to paid to avoid foreclosure but instead of refunding our money, it kept part of it and made a payment to the tax collector for the wrong amount.  It paid a much higher amount than was owed.  Mr. Cooper's letter also claims that the account is past due.  That too is false.  Again, it is basing its claims on the wrong amounts.  Mr. Cooper mailed a letter to us advising that we had a point of contact and yet, we have communicated with XXXX. XXXX and all have been ignored.  Mr. Cooper over billed and although it cannot foreclose based on an allegation of money owed to the tax collector and yet that is exactly what it was doing.  We demand a refund of all monies plus interest that were over billed and paid.  We also request of Mr. Cooper to provide a detailed itemization of all charges it includes in the monthly statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I fell behind on payments for my XXXX XXXX credit card. Once I had the money to pay, I sent a payment in full for the credit card. The check was returned with the letter attached. It is still being reported on my credit report as delinquent.
Product: Credit reporting or other personal consumer reports

Currently an AU on a capital one card. I dont know whose card it is. Only have the last four of the acct ending in XXXX which was found by disputing it with XXXX. No card I have has a limit that high. I would like to be removed as an AU, but Im unable to provide any information to capital one to do so.
Product: Student loan

I recently contacted FedLoan Serving because they weren't following the C19 law - there is a timeframe of 8 months were it wasn't being reported as paid on my credit report I was told they put me in a forbearance unrelated to the cares act - i asked why and they said they were trying to sync my payments so they were due at the same time. 

First, it was never communicated to me what they were doing. 2 : I am on an IDR and my payment is zero from XX/XX/XXXX - XX/XX/XXXX at which time I re-certify. Again absolutely zero reason for a forbearance. 

I asked them to please update those months as paid according to the C19 law - and they just flat out said no. I did bring up that they are violating the law they responded by saying, " well we're not updating you CR Its astonishing they are so blatant in their wrong doing. I am filing a formal complaint first because I need help in getting them to do right thing and because its so egregious and they need to be held accountable
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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.

Equifax 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX : {$110.00}, XXXX XXXX Balance Owed : {$0.00},
Product: Vehicle loan or lease

My wallet was in the vehicle along with my XXXXXXXX XXXX XXXXXXXX bag and a few other items and I was not allowed to get my items from the vehicle and they wouldn't tell me where my vehicle was even at. They added extended warranties to my loan that I never agreed too or asked for. I was told it came with dealership warranty. They never included the XXXX dollars I put down on the vehicle and they charged me over XXXX dollars for pa tire tax and they lied about my interest rate and my initials and signature were forged and the documents were different the the ones I signed or was shown and they never gave me a copy of my service contract or loan contract.