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

Date of item being disputed : Late payment for XX/XX/2019 and XX/XX/2019 Description of dispute : There are two late payments on my XXXX XXXX XXXX Account. 
Enclosure : XX/XX/2019 statement. The open date is XX/XX/2019 and the closing date is XX/XX/2019. On page 3 ( where it is highlighted ) it shows the two late fees were reversed ( {$39.00} each ) and credited for XX/XX/2019 and XX/XX/2019, because their system made a mistake by not taking out the payments that were set up for autopay. The bank reversed the late payment fees and they will not remove it off of my credit report. I have disputed it to all three credit bureaus and have gotten results back indicating no change, so the late two late payments of 30 and 60 days are still on my credit report severely ruining my credit. 

I have contacted the company several times and they said they have removed it on their end and that's all they can do ; meaning they won't report the removal to the three credit bureaus
Product: Mortgage

This started at the end of XX/XX/XXXX when a supplemental tax bill was due and separately, when I spoke with one of their representatives regarding a refinance loan. First, I was under the impression that the mortgage company would pay that, but was not sure, so I sent a message through their website asking for clarification on whether that was the case or if I had to pay it. I sent this on XX/XX/XXXX hoping for a reply in the next couple of days since the bill was due on XX/XX/XXXX but I did not get a reply until XXXX. Since I did not hear from them by XX/XX/XXXX, I went ahead and paid the bill, only to find out on XXXX that they had supposedly sent a payment. Additionally, they informed me that because they paid this supplemental bill, the escrow portion of our monthly payment would have to go up to make up the deficit ( since there is a minimum amount of money required to be kept in the escrow account ). However, to this date, the county tax office still does not have any record of any payment sent by the mortgage company and as such I have requested that our payment go back to what it was previously. They have failed to respond to multiple messages I have sent with this request or asking what is going on with the payment at the county tax office has not received anything. Until yesterday, they had done nothing but simply said they would start looking into it. Then today I discovered that they sent another tax payment for a portion of the supplemental bills ( XXXX installments ), but not sure why that was sent prior to resolving the issue with the XX/XX/XXXX payment, which already included this. 
Secondly, we were considering refinancing our mortgage and made a call to them in XXXX to see what they could offer. The representative on the phone went through a series of questions and gave me some preliminary numbers. He asked if he could proceed with all of the info I had provided and do a soft inquiry on our credit report, and I said that as long as it was a soft inquiry, that would be ok. A few days later, we received a new loan document package for a loan application that was open on our behalf and noticed that a hard inquiry had been placed. I never authorized this, but they pointed the finger at the credit bureaus and the bureaus pointed the finger back at the mortgage company with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion had 2 separate glitches and my inquiries were deleted and then re-added to my report once the glitch was discovered. I Informed the person at transunion that this occured and I was not notified in writing 5 days prior to re-adding the inquiries to mynreport that they were intending to do so. I requested that all of the inquiries be deleted for this reason and this reason alone from myTransUnion report but was denied and ignored.
TransUnion 's glitch was an internal problem not mines that caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted and wrote TransUnion in good faith to ask them to delete all the inquiries that they had illegally re-added. these inquiries add a hardship and that my rights were violated by TransUnion. please help me make this right.
Product: Credit reporting

Equifax add a previous deleted creditor back onto my equifax credit report creditor name XXXX I also attached a recent equifax credit reported they just mailed to me and XXXX is no longer on my report
Product: Debt collection

Received Collection notice in mail for Creditor : XXXX, XX/XX/2016. We cancelled services with them XX/XX/2016 and had the final bill showing full payment received. No bills or other communications about an amount owed were received for 9 months, until we received this collections letter. Upon receiving this letter we contacted XXXX to determine what this {$43.00} charge was for, and after 2 hrs and 12 mins ( which amounted to 4 calls since on one of them the line somehow " disconnected '' instead of going to a supervisor, to them ), including them telling us to call XXXX as they said this was a charge XXXX sent them and then XXXX should have then billed for it. We have conflicting information from the XXXX XXXX reps we were routed to in four calls as to what the charge was or why a bill was never sent or claiming a bill was sent even though we have n't changed addresses. XXXX today finally said they could produce a final bill, but it has to be mailed, which will take " up to 30 days '' they claim, and it is impossible for them to send an email or other electronic bill so that we can verify the charge is valid and make a payment. As they know, we were out of the country for 3 weeks, so we had 1 week since receiving this notice to reply to the 30 day request from their 3rd party collector. Funny how 1 day before our response is due they are able to mail a bill that will take up to 30 days for us to receive. we have never had anything in collections and so we went ahead and paid the amount, because we would never want anything against our credit, but seeing as the creditor never provided any proof of the charges it makes us think big company taking advantage of the consumer since they do n't care about our credit. As a financial services auditor that knows processes and collections, I believe that XXXX has a process breakdown in which charges that happen for a consumer through their partner XXXX XXXX sending out their final bill do not make it to a billing cycle, so as a result, those charges sit there, and then when they pull the data for unpaid amounts, the amounts show in that data that is then sent to their 3rd party collectors. Not a single rep could find in our account any of the normal steps one would expect from your Cable provider 1 ) when or how the additional final bill was sent, 2 ) when this supposed bill was unpaid after 30 days, why there would n't have been any follow-up to us, as the consumer, such as a call, or another notice ( mail or email ). I called the 3rd party collection agency that sent the collection letter to let them know about this struggle to determine what the amount was for, and they said they have had a lot of similar issues with XXXX collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of account below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Equifax Report inaccurate... Incorrect address ' listed I have not lived at or received mail from. 
XXXX XXXX XXXX XXXX, XXXX, KS XXXX That is the residence of XXXX and XXXX XXXX. 
XXXX XXXX XXXX XXXX, NY XXXX I never lived or received mail from the two addresses. 
XXXX. XXXX XXXX XXXX XXXX ; XXXX Account # XXXX balance : {$1800.00} XXXX. XXXX XXXX  Account # XXXX Bal : {$4200.00} XXXX. XXXX XXXX Account # XXXX Balance : {$980.00} XXXX XXXX Account XXXX XXXX Balance : {$800.00} XXXX. XXXX XXXX Account # XXXX Balance : {$10000.00} XXXX. XXXX Account # XXXX Balance : {$1100.00} XXXX. XXXX Account # XXXX Balance : {$0.00} 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 an 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 any 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 reason to believe that the information is inaccurate.
Product: Student loan

I applied for Public Loan Forgiveness after my 120th payment to Fed Loan Servicing on XX/XX/21. I did not hear that they received my application. I called in XXXX and was advised they received it and it would probably take 3 months to process. I called in XXXX and was told the same. I called in XXXX and was again told it would take up to 6 months. I received a letter from Fed Loan Servicing on XX/XX/XXXX acknowledging qualification for 121 payments and it also shows that I have made all necessary employer certifications. I again called Fed Load Servicing and they said it could take an additional 6 months to put the application through the vetting process with FAFSA. That would move approval up to XXXX. 
I have appealed to my Senator, filed a complaint with FAFSA, and FSA Ombudsman Group. 
I am XXXX XXXX XXXX working in a XXXX XXXX in Alabama in XXXX XXXX. This year was stressful, but I always thought I would retire in XXXX of this year which helped me get through. Now I am not sure when I can apply for retirement or XXXX XXXX XXXX ( must apply 1 month in advance of my retirement date ). 

I feel like all verifications have been made and am appealing for an investigation and request for expedition of this process. I have met my obligations in this contract and I need someone to hold the Department of Education in Accountability for the this back log.
Product: Credit card

Afterpay is a well know Buy now Pay later website.

Afterpay is a very dishonest company who takes advantage of their customers and advance of Afterpay being a digital company.

Afterpay had wrongfully charged me on XX/XX/XXXX for an item I never received. 

I wanted to buy an XXXX car seat organizer ( in attachments below ) on XX/XX/2023. To do so I wanted to use Afterpay buy now pay later option, upon making a small payment ( in attachments ) to Afterpay, Afterpay will then give you a Single Use card to use at checkout but upon using the card Afterpay had provided me Ending in XXXX ( in attachments below ) XXXX had declined the Afterpay card I was assigned and asked me to update my billing, to confirm the purchase for my item. I tried again using the same XXXX card ending in XXXX and again XXXX had declined it. 

I thought that was strange so instead of keep trying over again or using my personal card to make the purchase. I had decided to cancel the XXXX purchase in entirely. 

Upon cancellation of my purchase I had notified Afterpay of the problem and waited for a refund it was upon looking at my bank statements after 7 days. That I noticed no refund had been sent to me. I then went to check my Afterpay account and noticed to my surprise Afterpay were still charging me for the item. After reaching out to Afterpay about why Im still being charged even after notifying them.

Afterpay had said the merchant did not give a full refund back which is why I still owed money to them. Afterpay had suggested I talk to the merchant. After speaking to the merchant ( the merchant who was XXXX ) had said You haven't been charged for it, with the card ends with XXXX and I asked XXXX to send that to me in written ( in attachments ) so I may show Afterpay. After sending the documents to Afterpay that XXXX had sent to me in written. 
Afterpay comes back and says the same thing over the merchant did not give them a full refund after reading these same words again I asked Afterpay for a full billing breakdown that shows all money going in and out of my account so I may see. It has now been 2 months and after contacting them over a dozen times now I still have not received a refund or a billing breakdown of my account.

Afterpay is a very dishonest company so consumers be aware.
Product: Debt collection

I received correspondence from National Credit Adjusters that I owed over {$1000.00} for a loan by phone taken out in XXXX. I disputed the account and they came back saying I owe them the money. After receiving countless communications from the company I recently agreed to a settlement amount of {$560.00} to be drafted out of my account the same day on XX/XX/XXXX with a promise to cease all collection efforts and report the account as paid in full. However, today I received a letter requesting the remainder of the balance and the account is still showing that I owe half the amount on my credit reports. I would like to report the company first for fraud, I never received or got a loan by phone ever, and either they can repay the money they agreed to accept in settlement or remove this item from my credit reports.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention a critical issue regarding my credit file. 

Upon reviewing my credit report, I have discovered several items that appear to be fraudulent. These entries are inaccurate and do not reflect any legitimate financial activity on my part. It is evident that my identity has been compromised, leading to these unauthorized entries on my credit file. 

I am deeply concerned about the potential implications of these fraudulent items on my creditworthiness and financial reputation. Therefore, I urgently request your assistance in promptly removing these fraudulent entries from my credit file. 

Additionally, I would appreciate any guidance or support you can offer to help me navigate this challenging situation and protect my financial interests. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XX/XX/XXXX.
Product: Debt collection

I had a loan at one point with possible finance and I was a victim of identity theft. So at some point this company wasnt getting paid their installments. I informed the company of this and paid the account of for deletion. For whatever reasons their stilll reporting it. Even though, XXXX  and XXXX  has deleted the account XXXX  is still reporting. Ive also attached proof of deletion below
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a XXXX  in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX - XXXX
Product: Debt collection

Company has sent me a letter dated XXXX XXXX XXXX ; with several misrepresentations and false information. First, the firm stated this was their SECOND NOTICE OF UNPAID TOLLS & FEES. I have never previously received a letter from this company. It states that I owed the local transportation company in my state {$1700.00}, for unpaid tolls & fees that I do not owe. I believe that they are impersonating a law firm. The letter shows XXXX different law firm addresses on it. The letter has my old vehicle license plate number on it also as a scare tactic ; to make me believe this debt is real and to quickly pay it. Also, to scare me into believing this would be placed on my credit report as well.
Product: Credit reporting or other personal consumer reports

I am disputing several inaccuracies on my Experian credit report, including incorrect late payments on multiple Department of Education loans and other accounts. I request that Experian reinvestigate these inaccuracies and correct my credit report accordingly. 

XXXX XXXX XXXX XXXX Loan : Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting 4 late payments. 
Account # XXXX : Incorrectly reporting 3 late payments. 
Account # XXXX : Incorrectly reporting 3 late payments. 
Account # XXXX : Incorrectly reporting 3 late payments. 
Account # XXXX : Incorrectly reporting 3 late payments. 
Account # XXXX : Incorrectly reporting 4 late payments. 
Account # XXXX : Incorrectly reporting 4 late payments. 
Account # XXXX : Incorrectly reporting 3 late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorrectly reporting 9 late payments. 
XXXX XXXX XXXX XXXX  Account # XXXX : Dispute regarding missed payments. 
XXXX XXXX XXXX : Account # XXXX : Dispute regarding missed payments. 
XXXX XXXX XXXX : Account # XXXX : Dispute regarding missed payments. 
XXXX XXXX XXXX : Account # XXXX : Dispute regarding ownership of debt. 
XXXX XXXX XXXX XXXX Account # XXXX : Dispute regarding ownership of debt. 
Unauthorized Inquiries : Inquiry from XXXX on XX/XX/XXXX. 
Multiple inquiries from XXXX XXXX XXXX XXXX  XXXX XXXX, and others on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion Multiple times and sent multiple letters explaining I have inquiries in my report that I haven't authorized and are violating my rights and the fair credit report act law. Transunion states that credits do not need my authorization to pull my credit report even thought I explained to them on the phone that they are violating my privacy. [ 15 U.S.C. 1681a ] ( 2 ) ( b ) the term consumer report does not include. '' any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Transunion has been answering that the inquiries have been investigated and verified without providing documents that the inquiries have been verified, violating [ 15 U.S.C. 1681a ] ( 2 ) ( e ), which states, " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. '' and 1681a ] ( 2 ) ( f ) which states The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised, and the following unauthorized inquiries needs to be removed from my credit report or the responsible party inwhom reporting them should send me the applicable physical documentation as required by law. Please remove the following inquiries 1 ) XXXX XXXX XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX XXXX   ( XXXX ) 6 ) XXXX ( XXXX ) 7 ) XXXX  XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX, XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX  ( XXXX, XXXX, XXXX ) 12 ) XXXX XXXX ( XXXX ) 13 ) XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX ) 15 ) XXXX XXXX  ( XXXX ) 16 ) XXXX XXXX XXXX ( XXXX ) 17 ) XXXX XXXX ( XXXX )
Product: Checking or savings account

On XX/XX/2020 I received an eidl loan into my " joint account '' with my Younger brother.I put join into quotations because after it was received I was told my brother couldn't be added on my account even though he has a credit card and checking account with NFCU.When applying for the eidl because i got one as well for my small business around XXXX dollars the auto fill accepted and didn't realize my number not his after it grayed.I was told on XXXX  that we needed to prove we were brother and sister which aside from a dna test is hard we have pictures from youth ect but different mothers and a absent father which is not uncommon. I went into the bank and withdrew his money and gave it to him he is a sole proprietor working for XXXX  and XXXX XXXX/XXXX XXXX. # # weeks later i wake up to my accounts locked and after being on hold twice for 4 hours a time I am told this will be resolved and I can have my money that I just put in the account two days prior if we both come into a branch with our ids which we did the following day.After another ridiculously long hold I am told that my personal funds are being sent back to the sba ... That is my rent my money from working ect money that i physically put into my account.Navy Federal stole XXXX dollars from me without so much as a blink of the eye after doing everything they asked and verifying with documentation .DURING A PANDEMIC!!!! I am going to be homeless because of this asine action. The funding cleared before it was withdrawn and given to him as well. He has even made a early payment on his loan. I want my account and my money back into my account and I want to not be told and have one resolution documented only to be met with lies when coming into the branch.I am a veteran who has honorably served my country and I do not deserve this at all.