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

EXPERIAN and XXXX both continue to report an inaccurate account under my personal profile. 

I have tried several times to dispute this account as being inaccurate, yet they continue to report same. 

The data furnisher ( XXXX XXXX ) continues to furnish information reporting a collection under a name which is not my name. I have supplied their only proof of this and shown that this name they are reporting this account under is not my name, it is inaccurate and thus needs to be deleted from my personal account per the laws of the FCRA that govern the credit reporting bureaus. 

In my letter to XXXX XXXX  dated XXXX XXXX I requested the validation of the debt they were claiming, and there were supposed to provide me with the below - 1 -enough proof that the debt was rightfully mine.

2 -proof that you own this debt with a clear title of the debt. 

On both of these requests, they failed to provide proof in their response letter. 

Instead they provided me with a contract of a debt they purchased for a business loan ( not a personal loan ) and one that does not bear my name.

May I point out to you that in response to item number 1 - the name on the contract they provided to me is Definitely not my Name. it is Inaccurate information, and I do not go by that name. 

Therefore, I am requesting that this account be removed from my credit profile with immediate effect. Experian keeps reporting this account regardless of several communications with them which i have been document stating these inaccuracies. 

they are violating my rights and laws under the FCRA laws.
Product: Checking or savings account

You did not offer an appropriate response, so I will explain. 

I went to open 2 new CD accounts at a bank I already had an online savings account. When I went to fund them, it insisted that I enter dollar amounts for all 3 accounts, but I didn't want to add money to my savings account, so I entered {$0.00}.

I found out days later that this actually created a 2nd Online Savings account, which I did not ask for and do not want. I also found out that instead of funding the 2 new CD accounts from my external bank, it funded 1 of them from my external account, but withdrew the other money from my online savings account, which again, I did not want. There was no warning that this would happen. I think their software is messed up and not properly tested.

You can not contact this bank electronically, which is a major problem, since I have a hard time doing this during business hours and do not have access to my data from my workplace.

I would suggest you ( CFPB ) add " Other '' to your choices.
Product: Payday loan, title loan, or personal loan

This company used similar predatory practices that XXXX XXXX used. Service members were informed they have to make their payments via allotment which caused excessive fees at the expense of the customer.
Product: Student loan

On XX/XX/, a payment of {$11000.00} was incorrectly applied to my account. Under the terms of the loan agreement, payments made within XXXX of the disbursement are applied entirely to the principal balance and any fees and accumulated interest are refunded accordingly. This payment was within the 120 day period and was to pay the entire remaining balance, but it incorrectly applied a portion of the payment towards interest. 

The representative I spoke to said this would be adjusted on my account and that I would receive a check with a refund of any fees and interest and that once corrected, the balance will show XXXX, so I do not need to take any further action on this loan to pay it off. 

However, when I attempted to follow up via email to confirm this information, I have received XXXX response. The balance on my account kept increasing because interest was accruing. And having no response over and over again from Nelnet, I paid the remaining balance ( which was interest that I should not have been charged for because the payment was made within 120 days ) so that the balance would not continue to increase and risk having to pay that as a result of Nelnet 's incompetence. 

Nelnet has refused to respond. Their call center places you on hold for HOURS, effectively blocking you from getting any kind of meaningful customer service. If they don't respond to ANY emails, and you have to wait hours on hold, how is this issue supposed to be resolved? They owe me hundreds and hundreds of dollars of interest and fees that I should NOT have been charged for and they just ignore me now. They are in breach of contract and are not acting in good faith. 

This company is a scam and the XXXX Department of Education should have some standards in place so scumbag bankers like Nelnet stop taking advantage of students by fraudulently overcharging them. 

I will not let this go.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft! I filed a report with identity theft.gov. I have unauthorized inquiries on my credit profile across Equifax and XXXX. This is a violation against the Fair Debt Collection Practices Act and violation against my rights as a consumer! 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX
Product: Vehicle loan or lease

After the repossession they took ownership of there vehicle and they sold it to the highest bidder. Afterwards they filed with the irs profit and loss and was paid the monies from the vehicle and negative remarks on my credit report and i asked for it to be removed. The name of the company is REGIONAL AC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Account has been paid off and I have not used nor applied for another card. The account has an open credit limit of XXXX from XX/XX/2011. Please remove from my credit report. I have not and will not use this card.
Product: Checking or savings account

On XX/XX/year> I opened a business checking account with a promotion of XXXX $ if within first 30 days of opening account I deposit XXXX $ and keep the balance above XXXX $ for 90 days. All criteria was met which was confirmed by agent on the phone who was confused why I was denied the promotional XXXX XXXX She was told that they started the date I needed XXXX in the account on the XXXX and doesn't know why they started it 17 days after opening account and not 30 days as clearly stated in the promotion terms. The day after was actually the day I reached the XXXX balance requirement. So they started the day I needed the balance of XXXX 17 days after opening when on the XXXX day I hit the balance required. 12 days before the deadline.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting accounts open. The accounts are actually closed, and because they are open can not buy a home or the loans are used against my available income.
Product: Debt collection

I recently joined XXXX XXXX to check my credit, which then brought me to collections with XXXX  and XXXX. I then went to XXXX  to dispute three collections, all three of which are over a year old. I was never informed in writing previously that I owed any amount to Nationwide Inc for XXXX collections, so I was confused to see {$130.00}, {$100.00}, and {$80.00} collections I'd never seen. The disputes through XXXX  were filed XX/XX/20.
Product: Credit reporting or other personal consumer reports

On XXXX, I contacted XXXXDepartment of Education to inform them that my loan had been transferred in XX/XX/2023, but they are still reporting an unpaid balance for three of my loans which is negatively impacting my credit score and reporting. On XXXX, I received a notice that XXXX Department of Education is reporting the information as accurate and has failed to make the correction. 

Below, I have attached the letter indicating that my loan was transferred to XXXX. Currently, both XXXX and XXXX are reporting open loans with balances which has doubled my student loan balance and it not true and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
MO CHILD SUPPORT XXXX. MO CHILD SUPPORT XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account 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 a account without my written instructions15 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute a chapter XXXX bankruptcy ID # XXXX listed o my credit for over a year now. I keep getting notifications from XXXX, XXXX  and Transunion stating the information has been verified from XXXX XXXX and the court. I called the court and they stated they don't verify bankruptcies with the bureaus. I reached out to XXXX XXXX about 2 months ago to have a freeze put on my account and I suppressed my files and I also contacted them and they stated they don't disclose any information on a consumers report to the bureaus either. At this point since neither the bureaus nor XXXX XXXX can provide me with sufficient validation of this debt with the original documents with my signature I am asking to have this removed to prevent further action.
Product: Credit reporting or other personal consumer reports

Discrepancy in Credit Report Information Across Reporting Agencies Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an issue I am experiencing with my credit reports. Specifically, certain inquiries have been successfully removed from one of my credit reports but are still appearing on the other two reports maintained by the major credit reporting agencies. They were removed from XXXX but still showing on XXXX and Experian Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they provide. Section 611 of the FCRA ( 15 U.S.C. 1681i ) outlines a consumers right to dispute inaccuracies on their credit report, and Section 623 ( 15 U.S.C. 1681s-2 ) mandates that furnishers of information must ensure that all credit reporting agencies reflect consistent and accurate information.
Product: Debt collection

This says it's a medical debt for XXXX. I tried calling the phone number provided but it only rings and no one answers.
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 disputes 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Transunion has willfully and negligently continued to deny the block requests for me coming from my representative XXXX XXXX XXXX. I have attached a copy of the authorization letter to this correspondence. 


TRANSUNION is declining the request to block information associated with my human trafficking request from XXXX XXXX XXXX. XXXX XXXX XXXX is an accredited XXXX authorized by the North Carolina Attorney General. I have attached the Authorization Letter to this complaint. I am being deprived of an equitable resolution under the XXXX XXXX  Repair Act and Transunion is violating FCRA 605C by delaying the process of blocking information within 4 business days.
Product: Credit reporting or other personal consumer reports

XXXX. 

I am writing to inform you that I have detected a newly surfaced collection account in my credit history. I am entirely unfamiliar with the subject, holding no responsibilities towards the reported debt charges. It's not clear where these accusations are coming from, I'm asking you nicely to get rid of them right away. 

Account Name : CREDIT CORP SOLUTIONS ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Accurate recording and retrieval of financial transactions are crucial for building trust among stakeholders. Making sure everything works smoothly together boosts credibility, making the credit system run well and fair. 

Thank you for looking into this quickly and hope to hear back soon from your organization with positive results. 

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

I recently checked my Consumer Report and noticed that the companies listed I did NOT authorize anyone employed by these companies to make any inquiry and view my Credit Report. In addition, I did not give Eqiufax permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.
Product: Credit card

In 2024, {$1600.00} I have never authorized for them to charge with payment plan. XXXX did documents fraud.

Please help us to get money back and stop scam!

Also, Barclays said you will get provisional credit in 10 days, Date called XX/XX/XXXX during investigation {$1600.00}. They said it and never made it. They maybe complicity.
Product: Mortgage

Mr. Cooper repeatedly ignored my biweekly mortgage payment applications, create new+different reasons for why they can not process my application despite I met their " requirements '' and sent application via several modes of communications XXXX, and delaying processing causes me to pay additional interests to Mr. Cooper on loan principle. I request refund on extra interests on unnecessary monthly payments beyond XX/XX/year>. I requested biweekly ( auto ) payment to reduce interests XX/XX/year>. Live chat customer service ( CS ) told me to reply to encrypted email I received with biweekly payment form, cancel monthly autopayment, set up one-time advance monthly payment for XXXX, allow 30 days for biweekly autopay to be processed to take into effect for XXXX. Followed instructions. No confirmation on biweekly payment within 30 days. I called CS, was told they did not have record of the form/email I sent. CS suggested sending same form by mail or fax, they made a note on my account to expedite the processing. I mailed the form on XX/XX/year> to address on the form. No updates. I contacted CS chat XX/XX/year>, who still claimed no record of receiving the form by email/mail. I was reassured by two CS people ( one " supervisor '' ) b/c grace period that I will not receive late payment penalty for XXXX. I called CS XX/XX/year> and was told to send biweekly form again using email address listed. I filed complaint Customer Relations. Details in a resolution letter indicated that they received my application in XXXX but did not process. Ignored my XXXX advance payment. I was told to make another advance monthly payment ( XXXX and XXXX ) and send biweekly form again. CR then requires signing same form with new date. I complied. I made XXXX monthly payment, tried set up XXXX payment. XXXX payment forced a late payment penalty. I complained for inaccurate forced late penalty. New resolution letter citing extra form/steps to mail to a new address/email. Latest communication from Mr. Cooper asking me to send the form to a new email address and the form contains a new address. Company repeatedly refuses to refund the extra interests on mortgage principle because their deliberate delays causes me to pay extra monthly interests.
Product: Credit reporting

Equifax is reporting the same Child support account twice on my credit report XXXX and refuse to remove one of them. You can not duplicate the same account twice on a credit report. Making it appear as if you have more accounts then you really do, giving the lender the impression that you have more debt. I spoke to the supervisor from Equifax and that they are XXXX different account when clearly it is the same account. Same account number, same schedule payments. I only have XXXX child support case anyway so it is impossible for me to have XXXX accounts anyway. I ask the supervisor to remove it right away because it is a violation to my credit report, because they are reporting the same account twice. They said the most they can do is a 30 to 45 day investigation for an account that is clearly duplicated. XXXX problems I have with that, XXXX is there should not have to be a investigation for and clear error and XXXX Equifax also pull your credit score down up tp XXXX-XXXX points during the investigation until the investigation is finish making very unfair to the customer to look for funding during this time. Just because the account is reported on different days do not mean it is a different account. If the account has the same account number it is the same account. I want Equifax to remove the clearly died account that say XXXX balance off my credit report because that account is clearly not reporting anything. It just sitting there making it appear as if I have more then XXXX child support case and I do n't. Your credit report is very serious, Credit Reporting agency is quickly delete any duplication accounts and clear errors right away. This can hurt the customer and the error has nothing to do with them. If these was XXXX different account I would understand the investigation and the rules of 30 days. I will attach the document that shows the XXXX same accounts. I understand accidents can happen. But when it is clearly a accident remove it right away or they should get a fine. That is the only way these companies will take the customer serious.
Product: Credit reporting or other personal consumer reports

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as c clate.
Product: Checking or savings account

Someone tried to pretend they are regions fraud and had my information
Product: Credit card

I requested a chargeback with US Bank on XX/XX/2022 regarding the fraudulent company XXXX XXXX XXXX XXXX XXXX for {$510.00} they deducted from my account. 
I tried reaching out to the original company XXXX XXXX but they refused to refund me or provide me a hotel room. 

There are no terms and conditions to click on with the XXXX XXXX that deducted the {$510.00}. They put a timer for you to enter the information and give a false amount. US Bank allowed them to give them screen grabs as their evidence that I knew the amount and agreed to their terms which were falsified. 

US Bank but never let me provide them screen shots which I do have of their bait and switch. There are no terms and conditions on that page.
Product: Debt collection

I have attempted to acquire validation of the debt the company is attempting to collect, however, the company has failed to provide the needed documentation. Despite not sending the documentation they have continued to report the information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have a Fruad account and inquiries on my credit report. 

Account XXXX. XXXX {$2400.00} Inquiries XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint against the credit bureau today because I am a victim of identity theft which I've submitted my identity theft affidavit from the FTC with the credit bureau. They're items on my credit report that I have disputed that has been removed except for the public records. The credit bureau are claiming to have verified the inaccurate information as accurate but when proof is requested of how and with whom I have yet to receive any documents. I have contact the creditor directly and they provided me with a letter stating they do not submit any information to the credit bureaus. So my question is to whom was the information verified with and why haven't I yet received any documents with my signature of this account??? Because the accounts has been verified as my account and I would like it removed. 
I'm uploading my dispute letter I mailed back in XXXX of this year along with my security freeze confirmation letter, and the letter I received from the courts house.
Product: Debt collection

I requested VALIDATION { not verification } of an item reported to XXXX, XXXX, and XXXX by this collection agency. In return I have received a response that clearly violates my rights according to HIPPA.

This collection agency did NOT PROVIDE me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ran my credit without my knowledge on XX/XX/XXXX. 
XXXX XXXX ran my credit without my knowledge on XX/XX/XXXX. 
XXXX XXXX and XXXX ran my credit without my knowledge on XX/XX/XXXX. 
XXXX XXXX XXXX Texas ran my credit without my knowledge on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit report on XXXX-18 and discovered unknown credit and decided to file a dispute with the credit bureau but it gave me the following message ; " we are unable to process your dispute ''. I have several credit accounts on my credit report that I did not authorize and need to dispute them as I have been receiving collection calls regarding these debts that I personally did not authorize and voluntarily incur this debt. I strongly believe I have been a victim of credit fraud. Consequently I have been denied housing.
Product: Credit card or prepaid card

On   XXXX   XXXX  , 2017 i recieved a charge to an annual fee for capital one. I contacted them and notified them i would n't be able to pay off the fee due to my college tuition being at $ 11,000+. I also made them aware that i have been with capital one for 2 years and that i have always held a responsible account ownership. This is in regards to my credit card ending in  XXXX . I mentioned to the customer service representative that i would consider closing the account if necessary.