23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had so credit cards with Capitol one, i never missed payments, always stayed on top of everything. A while back i was headed on a trip. I paid my credit card balances on both before the trip so that i may use them for any expenses that I wouldve had. They accepted my payments and credited my cards, just like normal every other time i would use the cards. I then went on the trip used only those two cards for anything i needed paid, and everything was fine. Once the trip was completed i headed back home, and i checked the remaining balance i had and was still in the clear. A couple days later i went to use the cards to pay for something yet it kept declining. I was confused because i had recently checked my balance and shouldve had enough to cover the total. So i went to check my account to make sure an unexpected bill didnt come, and no the accounts were closed. To my confusion i went to check why, and Capitol one stated that there was a fraud detection on my account. I was extremely scared because i thought someone got a hold of my identity, and at the least my finances. Yet that wasnt the case. I called in to see what the next steps were because Im under the pretense that someone has access to my information, and while trying to solve this issue the representative explained that i didnt have enough money to pay my balance. This left me confused because I didnt attempt to pay any balance since before i went on my trip. When he went into more detail, he claimed that my original payment defaulted, which is very concerning because i paid that almost a month ago at this point. Extremely confused on if this is the case why now is when they would bring this to my attention, he then tells me that because of this they decided to close both accounts even though they claimed only one of the card payments defaulted. He then tries to convince me to then pay these debts which arent mine whatsoever ever. The payments they say defaulted are claimed to be reverted, yet the money never was sent back to my capitol one debit card, which is what i would use to pay on the credit cards. Which is where my direct deposit comes to, so they would be the first to see my income and have an overview of all my finances. So if it was because of one late payment according to them Im confused on why they would close both of my credit cards instead of just charging me a late fee, especially seeing that i made on tie payments every time for the duration of me having these cards.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a {$500.00} payment to Capital One. On XX/XX/XXXX I made a {$1000.00} payment to Capital One. My online account shows {$1000.00} payment on XX/XX/XXXX which does n't make sense. My {$500.00} payment never showed up online. I called customer service several times on XX/XX/XXXX. I was disconnected several times and finally got through after holding 41 minutes. Customer service acknowledged my {$500.00} payment and said it should show up the next day online. I asked about the balance - I track my balance constantly and know the {$500.00} was not applied to my balance. She said it was applied and the balance showing online is correct. I do n't think so. I was very unsatisfied with the customer service. The next day or even today XX/XX/XXXX - my {$500.00} payment does n't show and my balance has n't been adjusted. I did contact customer service again via online on XX/XX/XXXX. I got the same response. They acknowledge my {$500.00} payment but did not apply it to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am name is XXXX XXXX XXXX and this this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$980.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a dispute to Equifax for a inquiry that was on my credit report for XXXX XXXX. I reported an identity theft to all three credit bureaus and Equifax stated they did receive this information from the credit bureaus, but they do not handle business like they do for disputes. The direction I was given to remove this inquiry from my credit report is very suspicious. I was directed to fill out an application for ftc.gov for this to be removed and send this information by mail to them with a copy of a picture of my Social Security card and a picture of my drivers license. They said they will not remove until they receive these documents. I have called XXXX XXXX. They have told me that they will work with Equifax to try to get this removed as well because this was a fraud and I spoke with a XXXX, who is the supervisor. He even agreed that sending these documents to Equifax by mail should not be what I am doing because those are sensitive pieces of information and I agree.
Product: Debt collection

I have been sent to Maury Cobb Law services for an account at XXXX and this company started to call me non stop.When I called them back, XXXX, XXXX of the agent said we can settle it by making the monthly payments.I really wanted to clear off my balance but only can afford $ XXXX monthly until I pay off my {$6000.00} past due.For fee months I was making regular payments until they offered me a settlement amount.The only thing is, I could not come up with another {$1300.00} immediately so they have not stopped calling to collect the remaining payment.
Product: Debt collection

Ran a check on my credit and found 2 debt collections from same company. Contacted them last week to dispute it and was told that I would receive information about the account because I have no knowledge of the accounts in question. Instead, I received a notice that I have 30 days to dispute it or I'm liable for them. I do not know anything about these accounts so I want detailed information about these accounts. I've attached the notices for your review.
Product: Mortgage

I have only had bad experiences with Planet Home Lending. My escrow was assessed just before my loan was sold to them at the end of XXXX ( around XXXX ) and a shortage was added to my monthly loan payments because I was not made aware of it by either company. After my loan was transferred to them, they reassessed my escrow ( XX/XX/XXXX ) and gave me another shortage to pay off, which I did, in full. In XX/XX/XXXX, I was contacted by my insurance company because they were not paid. I called Planet Home Lending to notify them and ask why they didnt pay my insurance. I was told that I didnt have homeowners insurance, which was not true. Then I started receiving mail saying I was required to have homeowners insurance despite the fact that I immediately sent them all of my proof of insurance after notifying them of their error. They finally paid my insurance company and I received letters for another XXXX months from Planet Home Lending claiming I didnt have homeowners insurance. I called around the middle of XXXX to ask when my escrow would be assessed again to ensure I would be prepared for any shortage payment. I was told my escrow would not be assessed until XX/XX/XXXX, which was incorrect. My escrow was assessed in XX/XX/XXXX and I was told I had about {$1400.00} of a shortage. I paid this in full when it was due. In XX/XX/XXXX, my escrow was assessed again and I owed about {$1700.00} of a shortage, which I paid again in full before it was due. It is now XX/XX/XXXX and they have made a partial payment to my insurance company instead of the full amount of insurance, which is less than the amount of shortage I paid to them. Whenever I call for assistance I seem to know much more about mortgages than the person I am talking to and it is usually to the point that I have to explain to them how things work. On XX/XX/XXXX, the representative hung up on me after 46 minutes on the call because they couldnt figure out how much PMI was left on the loan. I was on hold and waiting for them to answer. They did not call back despite confirming my call back number at the beginning of the call.
Product: Prepaid card

My account was blocked during the system outage and I had been without access to my money for almost 2 weeks. When I finally was able to get " help '' I was told that I needed a new card issued and it would take 7-10 business days to get my card or I could have it expedited for a {$30.00} fee. I had no other choice but expedited shipping due to needing to pay my electric bill by the end of the month. So now I am not only behind on bills, but now I am also out an extra {$30.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took it upon my self to follow the FDCPA laws and FCRA laws by sending all incorrect and damaging report to all the creditors and collections agency a Validation letter. None of the only 2 account complied with and sent a letter to remove the accounts of my credit report. I created a packet to all 3 major credit report bureaus showing evidence of all letter send and dates ( which I waited the complied 30 days gap ) advising them to remove and all accounts listed in the letters sent to all creditors and collection agencies. it has been more than 45 days and non have been removed. I also confirmed that all 3 mayor credit bureau have received the packets sent by me. I have tried to exercise my rights has its stated in the FDCPA and FCRA and non of which have complied with not even a letter or a call to fix my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2023, to update the suspicious information or accounts. I think you have not validated these accounts after I complained previously. These accounts were already included in my prior COMPLAINT, and I'm including them again. 
Investigate and verify these accounts : OFFICE OF THE ATTY XXXX XXXX Date opened : XX/XX/2023 Balance : {$15000.00} OAG CHILD SUPPORT ENFORE Opened XXXX XXXX, 2023 Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have taken more than 30 days or more to respond and not resolving my complaints being made. This is the last warning before legal action will be taken against them I have documented over 35 CFPB complaints that have all come back with untruthful verified claims. I also have COPIES OF ALL CORRESPONDANCE WITH EXPERIAN, XXXX AND XXXX WHO FAILED TO REMOVE THE INACCURATE INFORMATION. EXPERIAN STATED THEY WOULD NOT REMOVE ANY ADDRESSES CONNECTED TO CREDITORS WHO CLAIM THE ADDRESSES ARE MINE. I HAVE ALL THIS ON RECOREDED PHONE CONVERSATIONS WITH EXPERIAN, WHICH I HAVE PROVEN ARE NOT MY ADDRESSES. I ALSO HAVE IN WRITING AND WILL BE USED BY MY LEGAL COUNSEL AGAINST XXXX XXXX, XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, XXXX, XXXX XXXX AND XXXX XXXX WILL ALL BE SUED IF NOT DELETED IMMEDIATELY THIS IS THE LAST AND FINAL WARNING BEFORE LITIGATION. IDENTITY THEFT AFFIDAVITS AND AFFIDAVITS OF TRUTH HAVE ALL BEEN SENT AND WILL BE USED TO SUE FOR DAMAGES AS ALL FCRA AND THEIR CLIENTS REFUSED TO RESPOND. WE WILL BE ASKING FOR THE AMOUNT OF {$500000.00} FOR DAMAGES AND LOSS OPPPORTUNITIES. 

THE FOLLOWING ACCOUNTS NEED TO BE DELETED IMMEDIATELY OR FACE FEDERAL LAWSUIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I consolidated my loan back in XXXX of 2017 with DEPTEDXXXX. The payment was in forbearance, because I was not sure how I was going to pay the monthly amount. Being that I was a young inexperience millennial, I kept delaying to figure out how I was going about paying my monthly payment. Then I just started a job paying about {$18.00} an hour, but couldn't figure the entire loan set up. Now I have a more stable financial situation, I am currently working on a payment plan with DEPTEDXXXX.
Product: Student loan

The payment for this loan is {$78.00}, in XXXX of 2015, I elected to pay more on the loan in a payment of {$86.00} ( {$8.00} extra ). Now, when navient sends my paper bill, the paper bill specifically says the payment due is {$86.00}. This is misleading, the payment is {$78.00}. navient 's website, when logged in, also has confusing information about choosing how overpayments are processed. The terminology, " allocation direction '', not used by other traditional lending institutions, is ambiguous. And, if one tries to edit/change the " direction '', the explanations are also ambiguous. No other financial institution uses this terminology or offers 7 choices ( 3 of which are in favor of the financial institution ) for options of applying an overpayment. It's obvious that navient purports to offer many choices while in fact selecting some of those choices will in fact benefit them. Traditionally, and with any other lender, an overpayment is either A : applied to the principal or B : applied to the interest ; period. For example on the XXXX, website, one can choose how much to pay ( which is displayed ) and to which loans XXXX which is displayed ) ; it's not ambiguous.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c2 ), that you, The XXXX, Equifax, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened and collections accounts opened. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of all accounts and inquiries in question as well as a copy of the fact that my personal information was impacted by the Equifax Data Beach. I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

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

On XX/XX/2020, I submitted a dispute to TransUnion concerning two hard inquiries that were made on my TransUnion credit report on or around XX/XX/2020. These hard inquiries were made by " Finwse/XXXX '' and " XXXX '' I informed TransUnion that the reason for my dispute was that I " [ d ] id not authorize and do not recognize '' these hard inquiries. 

On XX/XX/2020, TransUnion sent me what appeared to be a generic template letter that essentially instructed me to reach out to " XXXX/XXXX '' and " XXXX '' if I wanted to pursue any dispute. 

On XX/XX/2020, after giving TransUnion more than sufficient time to respond, I again contacted TransUnion regarding the disputes and pointed out their obligations under the FCRA when they received my disputes. In response, TransUnion again sent me the same generic template letter that essentially instructed me to reach out to " XXXX/XXXX '' and " XXXX '' if I wanted to pursue any dispute. 

I am being told by lenders that these inquiries showing up on my credit report are the reason that I am being denied loans. I am being harmed by TransUnion 's wilful failure to do their job. 

I am now reaching out to you for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed credit file with Equifax in reference to XXXX Bank XXXX XXXX XXXX account showing charged off in the amount of {$3400.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. these actions have caused significant inconvenience and financial loss, and I seek a appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous errors on my credit reports. Accounts Reporting false information, other peoples information, etc. attempts to file disputes failing. XXXX  reporting false information on reports. Everywhere I turn to for help just tells me to contact someone else.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation. These are the accounts I have marked as inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are also in violation for being inaccurate across all of my credit reports and have different and conflicting information and statuses so please delete and remove from my credit report since this can not be verified or fixed properly and consistenly.
Product: Payday loan, title loan, personal loan, or advance loan

PNC Bank falsily the requirements for a loan. I went through with the process - I was contacted for an extended period however not for a requirement to pay off my other loans. I was shocked because it was not mentioned as a requirement. Now my credit has taken a hit due to false advertisement. PNC Bank is an unfair lender with outdated processes for loan approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX at Department of Education/Nelnet ( Creditor ) was re-reported to my credit report ( as two different accounts ) at XXXX, after XXXX blocked and deleted this account. It is illegal for Nelnet to re-report the account after the account was deleted from my credit report, especially when Nelnet did not provide me with a contract with my signature on it to verify the debt account, even though I requested said contract in writing via certified mail with return receipt, on three separate occasions, in 2020. I need Dept of Education/Nelnet and XXXX to DELETE these Nelnet accounts on my credit report at XXXX IMMEDIATELY.
Product: Debt collection

I have an amount of {$2600.00} listed from XXXX XXXX XXXX XXXX for XXXX that I never had. This is not my account and was illegally placed on my credit report for collections
Product: Mortgage

Nationstar Mortgage has kept my surplus escrow for XX/XX/XXXX and they are charging me an escrow in XX/XX/XXXX. I have paid my insurance directly per attached. I should be taken off escrow and refunded what they owe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of ID Theft and have a fraud account that XXXX refuses to remove. They keep saying it was verified as begin correct! of course it would come back as accurate, My info was used fraudgently to open this account! This account does not belong to me as well as the following Inquires XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Acct @ XXXX OPENED XX/XX/XXXX I have and will continue to send in police report as long as this troubling ID Theft continues.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the ongoing issue concerning the late open accounts incorrectly listed on my credit report. This marks the multiple attempt to rectify this matter, which continues to significantly impact my creditworthiness and financial stability. Since I have provided all necessary documentation and followed all procedures to dispute the inaccuracies. Despite assurances from XXXX Credit Bureuas that the matter would be resolved, the late open accoun ( XXXX remain incorrectly reported as late but open on my credit file. The persistence of these errors is unacceptable and reflects poorly on your organization 's commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. 

Please help me consider appropriate compensation for the undue stress, time, and potential financial impact I have endured due to these persistent inaccuracies. If this issue got failed, I have no choice but to escalate the matter further, including seeking assistance from regulatory authorities to ensure compliance and protection of my consumer rights. Please help me correct these immediately : XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX : {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XXXX XX/XX/18 XXXX XX/XX/18
Product: Credit reporting, credit repair services, or other personal consumer reports

I've signed up to get approved for credit cards in the past numerous times through Credit Karma, with empty promises of getting credit cards and I've always got denied and it really hurt my credit score tremendously.