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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at Commonwealth Financial Systems. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also Commonwealth never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified Commonwealth that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.
Product: Mortgage

My Husband refinanced his mortgage with Us Bank in XXXX of 2020, in XXXX I reached out to the loan processor to let him know that I was interested in applying for a Mortgage to get a bigger living space, the loan processor sentmy info to a mortgage officer who reached out to me and started the whole process, told me i was pre-approved for XXXX, based on my salary and credit, I gave them all my info they had me pay for an appraisal and an inspection, the closing date was scheduled on XX/XX/XXXX, I got a call on XX/XX/XXXX that I can not get the mortgage because I signed documents saying that my primary residence is my existing address, and I cant get the loan. I reviewed all the documents and my husband is the only borrower that signed as such on the mortgage. I feel as though I am being discriminated against because im XXXX and we shouldn't be successful or have anything. Not to mention the fact that by law they should have sent me a copy of the appraisal I paid for, and to date have not sent it. I applied with another lender who is trying to help me, after I explained the whole thing to them they thought it was outrageous. I feel like they had all the facts and waited till the last minute to XXXX me up. No empathy no remorse nothing treated me like trash.
Product: Payday loan, title loan, or personal loan

In XXXX of 2018 I was solicited to borrow {$2600.00} from cash net, I borrowed it thinking it would be reported to the credit bureaus to improve my credit, but then found out that they do not report and that they are charging me 187 % interest rate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to buy a home. The lender tried to obtain my credit score numerous times with equifax and there are receiving a message stating fraud alert. I dont not have a freeze or fraud alert on my equifax account. Called equifax 5 times on XX/XX/2021. And they tell me that its nothing wrong on there end. Im running around and circles. Its unfair that this situation is delaying my dreams of getting my first home.
Product: Credit card

I believe I have been unfairly penalized and am requesting the removal of the total balance of {$520.00}, which consists of : XXXX interest : {$430.00} XXXX late fee : {$41.00} XXXX interest : {$40.00} XXXX interest : XXXX Summary of the Issue : On XX/XX/XXXX, I spoke with a manager who advised me that I had until a specific date to pay my past-due balance of {$1400.00} for the interest to be waived. During this call, I was also assured that the XXXX late fee had been waived and that a note had been added to my account regarding my financial hardship and the impact of the California wildfires, ensuring I would not incur a XXXX late fee and additional interest. 

On XX/XX/XXXX, I called Synchronys customer support to confirm my payment deadline. I specifically asked the representative multiple times whether XX/XX/XXXX was the final deadline or if I had until another date. I was explicitly told that I had until XX/XX/XXXX to make my payment and was reassured that " tomorrow '' ( the XXXX ) was my deadline. Based on this information, I made the necessary arrangements to submit my {$1400.00} payment on XX/XX/XXXX, as advised. 

However, when I called on XX/XX/XXXX to submit my payment, I was then told that the deadline for avoiding interest and fees was actually XX/XX/XXXX, contradicting the information given to me the previous day. Due to this misinformation, my account now reflects a balance of {$520.00}, which I should not be responsible for, as I relied on the guidance provided by your agents in good faith. 

This process has been misleading, stressful, and lacking in clarity and professionalism, as I am repeatedly told different amounts and that the interest would be waived one day and that it wouldn't be the next day. I am not accepting anything less than fair treatment and expect Synchrony Bank to honor the information provided by its own representatives. 

I sent a dispute letter via certified mail with return receipt to ensure proper documentation and didn't receive proper communication back from them.
Product: Debt collection

I have contacted these collectors several times in regards of medical debt I have received they are in violation of HIPPA which protects my information in details. they have sent me a breakdown of the fees and patient report history which is a violation of HIPPA I did not consent for third party to have access to my personal health information they are in violation and will need to remove these debts. From all reporting credit agencies and a letter of deletion. SCA collections for ( XXXX  XXXX in the amount of XXXX and City Of XXXX for XXXX ) needs to be deleted again in violation of HIPPA.
Product: Money transfer, virtual currency, or money service

I am filling a complaint 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 u protected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. these actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Contacted the company regarding apparent debt starting in XX/XX/2016.I 've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response.I sent validation letters via certified mail to ensure that they would be received.An insurance claim with the company 's insurance was made regarding furniture that was purchased from company, furniture was lost in flooding and an insurance claim was then made which covered the balance left. I have been called numerous times over the past 2 months regarding someone delivering paperwork to my home which caused concern for my saferty due to the consistent harassment from this company. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.
Product: Bank account or service

I was charged approx XXXX overdraft fees, totaling roughly {$1500.00} I was not informed of this and was not given a chance to remedy, and want this money refunded. I was charged approx XXXX service fees, totaling roughly {$900.00} was not informed of this and was not given a chance to remedy, and want this money refunded. Customer Service refuses to work with me and has threatened additional fees if i close and give my business elsewhere. 

My goal is to get 100 % of my overdraft fees and 100 % service fees refunded.
Product: Credit reporting or other personal consumer reports

there are a couple inquiries in my profile i do not reconize 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
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : Prestige Financial services
Product: Student loan

I submitted a SAVE application to Mohela on XX/XX/XXXX. After not hearing anything from the company in regards to my SAVE application, I called on XX/XX/XXXX. I called on three separate times on this day. The first call, I waited 45 minutes before speaking to an employee. For background information, I have a private loan with XXXX XXXXMohela . I was trying to ask about my federal loan with Mohela. The employee did not listen to what I was saying and kept telling me to call XXXX XXXX/Mohela as that account was in a delinquent status due to the payment not going through because of a federal holiday. 

I called the number, waited again, and spoke to someone who could not help me with my federal SAVE application and directed me to call the number I had just called. I called again, waited 43 minutes and had to hang up as I had a meeting for work. I called again later in the day and waited 50 minutes before speaking with another representative. They stated that they had received my application and that I would just need to wait for them to process my information. 

I did not hear about my application at all and in XXXX, when the academic forbearance that was placed on my account ended, I saw that I had a payment in my account for around {$140.00} dollars. My SAVE application still had not gone through and I was told that if I was on this program, my payments would only be around {$20.00} a month. 

I called again on XX/XX/XXXX and spoke to someone who had told me that there was a code that was applied to my application that he had not seen before. He reached out to his team who did not tell him what the code meant, but stated that they would need to completely reprocess my application. The person who I was speaking to placed my account back into forbearance which will last until XX/XX/XXXX. The original application I submitted back in XXXX still has not been processed and the resubmitted application has not been processed either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a previous complaint no. XXXX. 

A company called XXXX XXXX ( aka XXXX XXXX, among many other names they go by ) gave an online loan to an individual who had stolen my personal information. XXXX XXXX failed to verify identity, and failed to verify the name on the bank account in which they deposited the funds. Although XXXX XXXX finally stopped harassing me to pay the loan, they failed to get the fraudulent information corrected on at least one credit report. 

Although I contacted the 3 major credit bureaus, I was not aware that XXXX XXXX also placed an inquiry with LexisNexus ( using the name " XXXX XXXX ''. ) XXXX XXXX has been extremely uncooperative and has refused to tell me of any other credit bureaus they may have used. 

I want XXXX XXXX to remove the fake inquiry from my LexisNexus report, and I want XXXX XXXX to be required to inform me of any other credit bureau to which they have given my information. I have contacted LexisNexus, but without a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported information in credit report for medical debt. They report several different dates. XXXX XXXX XXXX complaint concluded that the original company responded they do not have an account with my information. The information was removed and is now reported again. Previous complaints submitted. It has been disputed and removed over XXXX times with trans Union, XXXX, and XXXX. Recent dispute requested a signature to validate that this is my account. This has not yet been received. Also requested proof of account opened XXXX as that is incorrect. The company has never provided information in writing as they did not have the correct address but during a complaint process Ive of the credit bureaus provided identifying information in the dispute. This company is not abiding by fair credit rules and the credit bureaus keep allowing this information to remove then get reported again.
Product: Credit reporting or other personal consumer reports

I contacted XXXX via mail requesting that they research a tremendous error in my credit score reporting. XX/XX/XXXX  my credit score was XXXX ( reference XXXX report # XXXX ) and as of XX/XX/XXXX  my credit score dropped to XXXX which is a decrease of almost XXXX points. I have not applied for any new credit, my amount of debit is still the same, there are no late payments or collections. My credit activities have been consistent over the last few years. 

I'm requesting research to find the root cause of my credit score decrease and resolve the issue to correct this error immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the natural person XXXX XXXX have been effected by the false reporting on my consumer report. I've already disputed these accounts ( XXXX XXXX XXXX XXXX XXXX - DATE OPEND : XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX - DATE OPENED : XX/XX/XXXX ) for fraudulent and unauthorized charges. Experian did an " investigation '' and concluded that the charges were authorized, but failed to provide and/or request a " burden of proof '' which is required by FEDERAL LAW in [ U.S.C 1643 section ( b ) ]
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC has provided access to my credit record to unauthorized companies. 
XX/XX/XXXX a fraud alert disclosure which expires XX/XX/XXXX. This is an ongoing problem : XX/XX/XXXX fraud alert XX/XX/XXXX fraud alert XX/XX/XXXX fraud alert XX/XX/XXXX fraud alert I can not access my report online but any and everybody else can access my report without permission. I want those credit inquiries off negatively affecting my credit score!
Product: Credit card

I paid a XXXX XXXX  with my Navy Federal Credit Card and the guy made a charge for {$610.00} dollars on my credit card and the charged should has been no more than the eauivalent to {$20.00} us dollars. I been asking Navy Federal hundreds of times to complete an investigatino with the financial institution in XXXX and they refuse to help me. Navy Federal want me to produce documents that I don't have : XXXX Receipt from the vendor ( XXXX XXXX ) the guy never gave me a receipt. I don't have it, IT'S IMPOSSIBLE FOR ME TO REPRODUCE XXXX. THAT WILL BE FRAUD ON MY END. 

XXXX Navy Federal wants me to produce documentation that I paid the vendor ( XXXX XXXX in a diferent wat or form. I DID NOT. I ONLY PAY WITH MY CREDIT CARD. I CAN NOT PROVIDE SOMETHING THAT NEVER HAPPENED. 

And becasue I don't have the documents, -Becasue they never existed_ Navy Federal refuses to help me.

This is not going to end here. Im willing for misery {$610.00} cents to make some noise againt Navy Federal.
Product: Debt collection

I currently have a open loan with a company called Lendmark.They called everyday some time twice a day and insist I make a payment or they will take me to court. I have not answered my phone but the call my friend and his mother telling them to have me give them a call. I was behind two months and have actively been paying what I can to get catch up. XXXX. I was sitting at home with my electric out trying to come up with a way to pay it and a rep from Lendmark came to my home asking for money.
Product: Credit card

I have a credit card with Sleepys that is through Synchrony Financial. Every month I have paid XXXX which is more than my minimum payment. I set up the payment to come automatically through my bank on the XXXX of each month. I unfortunately had not looked at my statements for over a year. I recently opened one up and noticed they charged me a late fee. I opened up old statements and found that they too had late fees associated with each payment even though the payment was received by them each month around the same time. I called to ask how I could be charged a late fee each month when I was paying each month, let alone that I was paying more than the minimum. 

I was told my payment had to be received before the due date each month and each month it was received after that date I was charged a late fee. I understand that the XXXX payment would be late, but is n't every payment after the XXXX one I was charged the late fee just early? I understand how the bank needs to charge late fees because they are not receiving a payment more than the minimum each month. The bank was getting more money than I was required to pay and they were charging me a late fee every month. 

This to me is a practice that is meant to maximize the amount they can charge the consumer rather than an attempt to recoup money due the company. It to me seems wrong. 

They assured me they were allowed to do this under the consumer protection act and they were following the law. If this indeed was the intent of the law then it is clearly a loop hole in the law so financial institutions can continue to charge excess late fees only to help their bottom line. Of the XXXX late fees I was charged they waived XXXX and assured me that was more than they had to do and I should be happy they were doing that.
Product: Credit reporting or other personal consumer reports

I received a letter from Jefferson Capital Systems, stating I owe their company {$2600.00}, for a vehicle, that I never purchased from them or had a loan through them. 
The original creditor is, XXXX XXXX XXXX, and I show and have been showing, XXXX XXXX XXXX, sold the car in an auction for, {$16000.00}, and the remaining balance of, {$2600.00}, was charged off and the account was closed in XX/XX/XXXX. 
I'm not sure how or why Jefferson Capital Systems, is now saying, in XXXX, that I owe them when I never had a loan or any type of agreement with them and how a CHARGED OFF, CLOSED account can get reopened by another company, 4 years later.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX. 
Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several inaccuracies on my credit report, which have been the subject of multiple disputes. Despite my ongoing efforts and previous communications requesting thorough investigations into these accounts, I have yet to receive a satisfactory resolution. 

The disputed accounts, including [ list specific accounts and account numbers if available ], contain errors that are severely damaging my credit standing and causing significant personal and financial hardship. The negative effects of these inaccuracies are impacting my ability to secure housing, employment, and access to credit, which are essential for my livelihood. 

I kindly request that your agency conduct a comprehensive investigation into the reporting of these disputed accounts. It is imperative that these inaccuracies are rectified immediately to prevent further damage to my credit file. Enclosed are copies of relevant documents, including [ mention any documents you are including, such as dispute letters, proof of payments, or identity theft reports ], to support my claims. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely and accurate investigation of disputed information. I urge you to prioritize this matter and take swift action to correct the errors in my credit report. Please provide a written response detailing the actions taken to resolve these issues. 

Your prompt cooperation and support in addressing this matter will be greatly appreciated. Thank you for your understanding and assistance.
Product: Debt collection

Accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX XXXX XXXX. Reported by debt collector CAPITAL ACCOUNTS LLC, has violated my rights. 

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.