23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I review my credit report weekly to make sure everything on it is correct. I monitor through XXXX XXXX and XXXX. 

On XX/XX/XXXX I only had XXXX inquiries on my report as I had previously disputed fraudulent inquiries and they were ALL REMOVED in XX/XX/XXXX through a previous complaint filed with the CFPB. I have attached both reports showing the reinserted fraudulent, old inquiries. 

On XX/XX/XXXX Equifax reinserted XXXX inquiries from XXXX and XXXX which were previously removed after their own investigation which is a CLEAR Violation of FCRA and FDCPA. Equifax can not by law reinsert previously deleted information and continuously violate my consumer rights. I am seeking your help to make them comply with consumers laws created to protect me from these illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XX/XX/XXXX came by and I made the XX/XX/XXXX payment on the XX/XX/XXXX. but my account still showed as being XX/XX/XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX 2017 I went online with Equifax and put a credit freeze on my credit file using their credit freeze page.
Part of the process was the printing of a PDF with the PIN number required to lift a credit freeze.
I am having two problems with this process : 1 ) The lifting of a credit freeze is an all-or-nothing process with Equifax. The other two credit bureaus allow for lenders to access a frozen file using a PIN that is provided by the credit bureau. Equifax only provides you the ability to lift or freeze the file ; the whole purpose of freezing the file is to help ensure that fraudulent accounts are not opened in the name of the person in the credit file using information that the credit bureaus have gathered - without my consent.
2 ) Part of the process of creating a credit freeze is the provision to print to a PDF the provided pin number to access the credit freeze and also to login to the Equifax system. Unfortunately - and I did not notice this at the time - the page with the pin number printed as a blank page in my XXXX XXXX system. Therefore the pin was lost - I relied on the printing of this file to capture the pin information instead of writing it down or having it emailed to me ( do not recall if emailing the PIN was provided as an option or not ).
Note, I was using XXXX XXXX browser to do this.
3 ) Once the pin is lost, Equifax does not provide an alternative method to allow the person whose file is frozen to contact Equifax to fix the problem. The issuance of the pin is a circular process ; to contact Equifax, you need the pin ; if its lost the person whose credit file is involved has no method to contact Equifax to fix this problem.
All provided phone numbers and contact methods are for individuals who are businesses or have an account with Equifax as an Equifax client. or are dedicated to other purposes which are unrelated to credit freezes.
The key webpage to demonstrate this problem is here : http : //www.equifax.comXXXX XXXX You have to login to the Member Center to gain access to Equifax support numbers which may or may not have information and contacts relating to fixing credit freeze problems such as mine. Without the PIN, you can not login to the Member Center, so you can not even see what resources and contacts are available.
Since I am not an Equifax client, and I am a consumer, I have no authorized contact method to reach Equifax to correct the problem mentioned above. I am essentially locked out of my credit file permanently and also locked out from even contacting Equifax to correct the problem.
All other phone numbers on the Equifax website that I found are dedicated for other purposes and are not associated with resolving credit freeze issues. Equifax does not provide much if any support for the credit freeze process outside of a page where you can lock & unlock your credit file.
Product: Credit card or prepaid card

Based on customer conversations with various members of the Discover credit card customer services team : XX/XX/XXXX Discover payment made, but improperly labeled and credited to wrong accounts XX/XX/XXXX Discover credit card company receives payment. 

XX/XX/XXXX Discover credit card company contacted by customer regarding payment and claims no record of payment ; payment bank contacted by customer about payment and confirms payment has cleared. 

XX/XX/XXXX Discover credit card company contacted by customer regarding payment and claims no record of payment ; customer told it could take up to 10 business days to post to account once proof of payment received ; customer is not given a factually confirmable reason for such a potential delay ; paying bank contacted about payment, payment bank sends by fax proof of payment to Discover credit card company. 

XX/XX/XXXX Discover credit card company locates payment internally.

XX/XX/XXXX Discover credit card company contacts customer via 2 emails notifying customer missing  payment has been located and notifying customer payment was initially sent to an invalid account. 

XX/XX/XXXX Discover credit card company contacted by customer inquiring why payment has not posted ; Discover credit card company responds, " the payment is being processed. '' XX/XX/XXXX Discover credit  card company internally manually " keys in the payment '' and internal approvals to post the payment are given at an unidentified time ; customer receives 2 emails identical to the emails received on XX/XX/XXXX from Discover credit card company. 

XX/XX/XXXX Customer contacts Discover credit card company to inquire why payment has not posted and speaks to two separate individuals, including the billing/payment research team ; customer informed payment being processed and should post by Friday XX/XX/XXXX. 

XX/XX/XXXX Customer contacts Discover credit card company to inquire on payment status, since customer is aware the payment will not post on Friday if it is not keyed up to post on Thursday. Customer speaks to five different individuals, including a payment research supervisor in DE, and is told multiple way that the payment is being processed. Customer express disbelief of the " process. '' XX/XX/XXXX Customer contacts Discover credit card company to inquire on payment status, since customer is aware the payment has not post on Friday. Customer told by four different employees payment " is being processed. '' Customer silently prays to keep calm. Fourth employee walks customer through the " process '' trying to keep story straight and explain the time lags. Fourth employee assures customer payment will posted by Wednesday, XX/XX/XXXX, but possibly Monday, XX/XX/XXXX. Customer files complaint with CFPB.
Product: Debt collection

I have been repeatedly contacted by South West Credit Collections and disputing the debt as not mine do to identity theft. Every time that I have spoken to South West Credit Collections, I have verified with them that the debt is not mine, the information that they have in their files is incorrect, they have no social security number associated and the address they have The XXXX CA XXXX is not an address I have ever lived at or been associated with. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt. 
In XX/XX/XXXX, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints. 
I have been repeatedly disputing the South West Credit Collections account. This is not my accounts. 
I have spoken to XXXX XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt. 
In fact, The information that South West Credit Collections has is inaccurate, South West Credit Collections has confirmed that NO Social Security was used and the address for the alleged account is an address I have never lived at and an address I have never been associated with. 
However, that being said, South West Credit Collections reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted South West Credit Collections on XX/XX/XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them this is not an address I have ever lived at or been associated with and South West Credit Collections stated that NO Social Security number was given to them or XXXX. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by South West Credit Collections that they would be removing it from their files, which they never did. After speaking to South West Credit Collections on XX/XX/XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so. 

I have previously supplied copies of the police reports to Southwest Credit, but they still have not removed this bogus debt from my credit reports.
Product: Student loan

My son graduated from college this past  XXXX . Before he graduated, we called  Nelnet   (  his loan service provider ), and asked when interest on his loans would begin to accrue.  Nelnet  told us that interest was deferred for 6 months from his graduation date. Then shortly after he graduated, we again reached out to Nelnet, this time via a recorded chat and asked the same question - and were told the same answer. Mind you, we still have the recorded chat to refer to. Today, we received an email with a new statement attached, so we logged-in just to confirm all looked status quo. Much to our surprise, the distribution from his freshman year showed accrued interest. Upon calling  Nelnet  and speaking to an " Account  Manager  '' in addition to a front line phone person, we were told that his freshman year distribution was during the time period when  Congress  had repealed the " grace interest subsidy ' ' (  XX/XX/XXXX  - XX/XX/XXXX )  so interest began accruing the day he graduated and would continue to accrue until paid in full. How is it that the two initial people we spoke to at  Nelnet  via phone and live chat, did n't seem to know this? We, of course would have paid off the freshman year distribution then back in  XXXX , and not waited so interest was accruing. Additionally, Nelnet spoke to us on the phone like we had not done our research, nor were they willing to do anything for us. This is wrong in so many ways!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is trying to collect on an unknown debt and has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$3700.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 states, I have a right to privacy :15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b. A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX has denied me twice XX/XX/2022, XX/XX/2022 of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making DT CREDIT Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Debt collection

I have filed a complaint against this company XXXX already for not receiving proper notice and now this medical debt is on my collection report. I faxed a direct dispute on XXXX XXXX, 2015 that was never responded to. I spoke to a XXXX on XXXX XXXX, 2015 who stated the letter was never sent to the dispute department, it was just " sitting ''. So after many calls and filing complaints this company has attached a letter stating it was mailed on XXXX XXXX, 2015 in response to the direct dispute. 

PLEASE PULL PHONE RECORDINGS FROM XXXX XXXX, XXXX XXXX AND XXXX XXXX when I was informed the dispute was never sent to the dispute department. 

Please read the attachment as it stated alleged dates of when notices were sent. More importantly, please read where it states " enclosed is a copy of the XXXX claims summary ''. The letter was DATED FOR XXXX XXXX, 2015 however, the XXXX summary is dated for XXXX XXXX, 2015 with the employers ID. 

Therefore, if the letter is dated for XXXX XXXX, 2015 AND in the letter it states ENCLOSED IS A COPY OF XXXX CLAIMS SUMMARY .... that claims summary should be dated for XXXX XXXX, 2015 as well. 

As stated in the lawsuit filed by CFPB, this company failed once again to respond to a direct dispute in a timely manner. The phone recordings prove the dispute was never sent to the correct department. Not only did they fail to respond but falsified the information in response to my dispute. This should be a serious violation and I will purse a lawsuit based off the FDCPA if this is not resolved.
Product: Checking or savings account

I recently took over as the XXXX XXXX for XXXX XXXX XXXX, XXXX XXXX. The bank account for the condo association is with East West Bank. The association 's financial records had not been through an external audit since XXXX. I had pulled the statements for the checking account, but the statements only have the images of the outgoing paid checks. I requested the bank to provide me with images of the deposited checks and deposit slips from XXXX to present and they are now requesting a {$400.00} fee to provide. I do not understand why I need to pay money for the banking records, especially since they are under the 7 year threshold. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan because of credit card debt through credit karma because i saw that i was pre approved for the loan with XXXX. I was denied a loan by XXXX  even when told by credit karma that i was prequalified. XXXX referred me to a another company called XXXX XXXX XXXX, by this time i just recieved a negative on my account. XXXX XXXX offered to fight and remove negative so that i can get approved for a loan. They charged me XXXX a month to remove 1 negative. Now this actually hurt me financially because instead of paying XXXX a month towards the loan that could have taken care of my debts, i am stuck with late fees with my credit card company. Now i am in need of even a bigger loan to compenate for the times i wasnt able to pay my credit card. If they had given me the loan my debts would have been paid off and there would be late fees. I felt cheated and tricked into even more debt. I could have even paid the negative with the loan as well so there was no need to get denied a loan. I feel like credit karma shouldnt have told me to apply to XXXX  now i feel like im going im circles.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balanced {$89.00} XXXX XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} DP OF EDUC XXXX Balanced {$0.00} DP OF EDUC XXXX Balanced {$0.00} DP OF EDUC XXXX Balanced {$0.00}
Product: Debt collection

I recently found out about an old debt that recently went to collections this past year. I didnt receive notification of it nor was I aware of it until it was found on my credit report when I was rejected for my XXXX XXXX loans. I disputed online through XXXX XXXX on the premise of non-notification, and they denied saying that it was found to be my debt. The company then, after I disputed for not notifying me properly texts me with the information that they were supposed to send me almost a year ago. This violates my rights under fair debt collection. Not to mention that medical collections are legally supposed to be open for a year before reporting on my credit. So not only were my rights violated once but twice.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation that has been imposed on my PayPal account ( XXXX ). I believe that there might have been a misunderstanding or an error leading to this unfortunate decision. 

First and foremost, I wish to emphasize that I have always been committed to upholding PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a limitation. It has come as a shock to me to discover the restriction on my account, as I have been a dedicated PayPal user, valuing the services it provides. 

I kindly request that you consider re-investigating my case thoroughly. I am confident that a closer examination will reveal that there has been some mistake in labeling my account as in violation of PayPal 's policies. The limitation has caused a significant disruption to my online transactions and financial activities. 

I understand that PayPal has a responsibility to ensure the security and integrity of its platform. However, I sincerely believe that my account has been unjustly penalized. I would greatly appreciate the opportunity for a fresh review, providing any necessary documentation to support my case. 

In conclusion, I implore PayPal to carefully reconsider the decision to permanently limit my account. I believe in the fairness of your processes and remain hopeful that this matter can be resolved in an equitable manner. Restoring my account would not only alleviate the inconvenience I am currently facing but also reaffirm my trust in PayPal as a service. 

Thank you for taking the time to read and consider my appeal. I eagerly await your response and remain open to providing any further information that might aid in the review process. 

Yours sincerely, XXXX XXXX
Product: Checking or savings account

Dear Sir/Ma'am Please review 2 attachments below. The merchant " XXXX XXXX '' was supposed to charge me ONE time for {$210.00} but they charged me a SECOND time for {$980.00} ( which I was not aware of why ). I filed a dispute with US bank Debit card dispute department. Without doing any investigation or providing me evidence of " valid transaction '', your department sent me just one page letter saying " we determined that your transactions were valid ''. How? How do they know that the TWO transactionswere BOTH valid?