23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid a dept owed to XXXX XXXX of {$550.00} for XXXX on XX/XX/2018. I then received noticed of collections for the same bill from Penn Collections for the same amount on XX/XX/2018 for XXXX. This debt is showed as paid on my credit report and I want the Penn collections for the same bill removed from my credit report.
Product: Credit card

Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX Disputed amount : {$1000.00} I have open this dispute more than XXXX to XXXX  times already and they keep declining the dispute. I have provided all the necessary documents to get this taking care of. Spoke to managers and they reviewed the case and they say that they do agree with me, but it wasnt their decision to put an end to this dispute. 
I order XXXX dream house XXXX dolls from XXXX with my golden sax credit card. A tracking number to my order and the order says that it was received. 
Well, they attached a tracking number that went to a different address not my address and even on fedex.com. You can see a picture of XXXX box being delivered when I order XXXX of them. Based on the picture that is blue and my house has been yellow for the past XXXX years. I sent pictures of my house and requested Gold to take a look at that way they can take a look at the color of my house that has been the same for the past XXXX years. They have all the documents necessary to dispute, but they decline because they say that XXXX says that it was deliver, but when Im providing Evidence that that tracking number delivered XXXX package to a different house. Lets the package was delivered, however, there was XXXX pieces that were ordered. Only XXXX got the delivered where are the other XXXX since XXXX were bought. They have everything they need to resolve this problem, but they just keep pushing it and denying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Please Please Help Me I have submitted dispute letters to trans union asking for incorrect and inaccurate information to be investigated and removed. THEY WILL NOT COMPLY with the law of FCRA. its been 45 days and no response. i have asked for names/addresses of entities reporting inaccurate info on my consumer report for 3 years now and i haven't been given no response to my request. Example : if XXXX XXXX  submits reports on me then i need to know its XXXX XXXX there address and phone contact. Trans union responds to me 3 months later after i requested a bankruptcy on my consumer report with " The bankruptcy on your report has not been changed because the Company '' that reported it verified its accurate ''. I Also have a letter from the bankruptcy court on an official letter head stating that the bankruptcy court doesn't submit ANY info to consumer credit bureaus. So who is this " Company '' Trans Union is referring to. AND WHY IS TRANSUNION BEING SECRETIVE ABOUT WHO IS REPORTING INACCURATE INFO ON MY CONSUMER REPORT. AFTER I HAVE ASKED FOR INFO/COMPANY/ADDRESS/POINT OF CONTACT BUT TRANS UNION IS REFUSING/AVOIDING TO FURNISH THIS INFO TO ME THE " CONSUMER '' TransUnion SOLE PURPOSE IS TO FURNISH UNVERIFIED INFO ON A CONSUMER REPORT WHERE ITS A VIOLATION OF THE LAW CAUSE THEY ONLY SEEK A PROFIT FROM REPORTING. CAN YOU PLEASE HELP ME OR PLEASE PLEASE PLEASE REFER ME TO LEGAL COUNSEL ASAP. ENOUGH IS ENOUGH. I REFUSE TO LET TRANSUNION TO CONTINUE RUIN MY LIFE FOR FAILING TO " OBEY THE LAW ''. i HAVE ATTACHED LETTER THAT I SENT OFF ON XX/XX/2022 AND IT IS NOW XX/XX/2022 AND STILL NO RESPONSE. AND IF I DO RECEIVE ONE IN WILL BE NEXT MONTH AND THEY WILL NOT INCLUDE ANY INFO I ASKED FOR. ONLY EVASIVE ANSWER SUCH AS " '' The bankruptcy on your report has not been changed because the Company '' that reported it verified its accurate '' I NEED TO KNOW WHO THIS COMPANY IS SO THAT I MAY ADDRESS MY GRIEVANCES WITH THEM AS WELL AS TRANSUNION..PLEASE HELP
Product: Student loan

On XX/XX/23, I submitted an application with Nelnet to change my repayment plan from the Income Contingent Repayment Plan to the Graduated Repayment Plan so that my monthly payment would be lowered. Upon submitting this application, I received an email stating that the application would be processed in 7-10 business days. It's now been a month and the application still has not been processed. I have used Nelnet 's contact form and called several times to request a status update on my application. The last customer service representative that I spoke to informed me that the processing of my application should not take this long. Nelnet has failed to process my application in a timely manner which is essentially forcing me to pay almost 2x per month. My current payment due is $ XXXX. If Nelnet were to process my application as requested, my payment would be less than {$100.00}.
Product: Checking or savings account

My business checking was closed 2 days after I opened it and bank won't give me a reason for why.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trailXXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

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

IVE TRIED DISPUTING THIS ACCOUNT DIRECTLY WITH THE COMPANY AND THE BUREAUS AND NOTHING HAS BEEN DONE.THIS IS NOT MY ACCT. IVE CALLED OVER AND OVER AGAIN TO GET THIS RESOLVED EVEN FILED A POLICE REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised and used by a former roommate during a move back in XXXX.
Product: Debt collection

My name is XXXX XXXX, XXXX XX/XX/XXXX last XXXX SS # XXXX. My discover account went past due in XXXX as my husband past away from XXXX ; he was the primary source of income. Followed by him, my daughter past away from XXXX. 
Discover agreed to settle my account at XXXX  % of the balance which was around {$XXXX}. I called into Discover to make my payment in XXXX of XXXX and was told no more payments were needed and the account was settled. 
FDCPA Violation I head nothing from Discover since XX/XX/XXXX when they took my last payment and said my account was setteleted in full. In XX/XX/XXXX I receive a letter from the Law Firm XXXX, XXXX XXXX XXXX who re acting as the collection agency for the debt. They sent me no Notice of debt to validate as required by XXXX. 
Discover is stating I owe over {$XXXX}!!!!!! I called Discover XXXX times asking for proof of my settlement agreement and all payments made. Furthermore, I asked for proof of what the account balance was in XX/XX/XXXX based on the terms of the Settlement agreement! Discover REFUSED TO GIVE ME ANY OF THIS INFRMATION!!! Rather they transferred my call to the XXXX XXXX XXXX the collection agency. 
The week of XX/XX/XXXX, I received a packet of random billing statements from Discover. This is not what I asked for. I specifically asked for the settlement agreement and what the supposed balance was as of XX/XX/XXXX when I was told the account was settled. 
Additionally, I received a letter from stating my claim was deemed Invalid ; Also wrong!!! Now this XXXX XXXX is operating under Unfair, Abusive, Deceptive, Acts and Practices ( XXXX  )! 
To recap Discover either wrongfully told me my account was settled and it was not ; if that is the case, there would had been a vey small balance ( if any ). 
OR The account was settled and was wrongfully charged off and XXXX, XXXX XXXX XXXX is in violation of XXXX and FDCPA 1006.34 Notice for validation of debts. 

Good morning, XXXX! I hope your day is going well! I have applied for your open position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; I would like to inquire if you would consider a remote employee before having my first round with the recruiter. 
I Specifically asked XXXX, XXXX XXXX XXXX, if there was an error on part of Discover telling me the account was settled and it was not, let me pick u an pay whatever balance there was per the terms of the settlement agreement on in XXXX XXXX. 

I am a single mother of XXXX boys who has over come the XXXX OF THE WORST THROUGH COVID! I LOST MY HUSBAND TO XXXX!!! They are threatening to garnish my wage! 
I told them I am in the process of buying a hoe for my boys and I! I will lose them, MY JOB and everything if my wages are garnished!! 
DISCOVER AND XXXX, XXXX XXXX XXXX ARE CLEAR CUT EXAMPLES OF OPPERTAING IN A UDAPP FASHION!
Product: Checking or savings account

I deposited a check into Citibank atm because the bank was closed but i had already signed the check and I didn't want to walk around with a signed check. Some reason it flagged my account and Citibank froze my account. I called and they said they had to verify the check from XXXX XXXX XXXX XXXX and said it would take XXXX to XXXX hours. That was XX/XX/XXXX. I called the XXXX XXXX  and they said the check was paid and the funds already released to Citibank. And Citibank still refuses to release my account. I don't know what to do and I can't pay my rent because my account is frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Equifax, XXXX, and XXXX credit reports. My latest credit report shows XXXX credit inquires that I did not authorize. 
unauthorized Inquires from : XXXX XX/XX/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
Product: Credit reporting 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. 


Account Name : XXXX XXXX : Account NumbeXXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXXXXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX  : Account Number:XXXX Account Name : XXXXXXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

Capital One hasnt issued a solution to funds not being deposited into checking accounts in a timely matter. Theyve also withheld my paycheck for 3 days longer than my actual payday
Product: Credit card

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.
Product: Debt or credit management

My question is about the Lexington Law case. I have hired them and paid them several times. And if you win a XXXX XXXXXXXX XXXX suit against them shouldnt I get more then just XXXX XXXX it just dont seem Right that I have paid them so much money to help me fix my credit and then there is a XXXX XXXXXXXX XXXX judgment against them And all I got was a XXXXXXXX XXXX  I feel this isnt fair and that I shouldve received a lot more than that. Can you help me with this issue? Thank You XXXX
Product: Checking or savings account

I had my paycheck direct deposited into my Venmo account. When I tried to withdraw my money it would not let me. I received an email from Venmo stating I needed to submit my driver 's license. I did. Then I received a second email stating I needed to submit picture of me holding my license. I did again. Then I received a third email stating my has been deactivated and my funds will be held for 180 days. Seriously I did everything asked and still could not get my money. What did I violate. I worked. My company deposited my paycheck. Venmo made up some nonsense and kept my money. I have bills and this has put me in a bad position.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Equifax for Inaccurate Account Reporting and Dispute Restrictions Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax for their failure to provide proper verification of a disputed account on my credit report. Despite my repeated disputes, Equifax continues to report an account under XXXX XXXX XXXX with no account number, only a balance of {$1200.00}. Additionally, I am unable to dispute this account directly through Equifax, further preventing me from correcting inaccurate information on my report. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a reasonable investigation of disputed information and provide consumers with verification details upon request. By failing to supply proof of verification and restricting my ability to dispute this account, Equifax is in direct violation of : 15 U.S.C. 1681e ( b ) Failing to maintain accurate consumer reports. 

15 U.S.C. 1681i ( a ) Failing to conduct a proper reinvestigation of disputed information. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failing to delete inaccurate or unverifiable information. 

15 U.S.C. 1681n & 1681o Willful or negligent noncompliance with the FCRA, which entitles me to damages. 

As a result of this inaccurate reporting, I have been unfairly denied credit and subjected to financial and emotional distress. I am formally demanding that Equifax : Provide full verification details, including original creditor documentation, for the XXXX XXXX XXXX account. 

Immediately remove the account if it can not be properly verified. 

Restore my ability to dispute this account directly through Equifax. 

Provide a written confirmation of any deletions or updates made to my credit report.
Product: Credit card or prepaid card

Two fraudulent charges appeared on my visa debit edd card. I have not been given a reasonable opportunity to address the charges and have them resolved. I can document the 5+ hours I spent on hold today spread over 3 call attempts. 

I called and spoke with customer service at Bank of Americas CA EDD division at XXXX. At XXXX I was transferred to a claims department agent. I can document the length of my unsuccessful calls to report fraudulent charges. 

When I was eventually connected to the claims department eventually the operator asked me to hold after asking a few account ownership questions. Moments passed with no speaking ... I asked if she was still helping me and the call suddenly dropped at exactly XXXX PST. 

It is impossibly difficult to get through and once getting an agent on the phone it seems that a game is played.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, I checked my credit profile and noticed a credit card account for Capital One. I immediately contacted XXXX XXXX and XXXX and the credit card company to notify them that this account was a fraudulent account that did not belong to me because I have never had any past business dealings or account with this company before. At this time the credit card company and XXXX XXXX, and XXXX are refusing to remove this fraudulent account from my credit file. They have also refused to provide me with any type of documentation proving that this account belongs to me. This situation has caused me a lot of stress because I should not be penalized or punished due to the fact that I am a victim of identity theft.
Product: Credit card or prepaid card

See attatched XX/XX/XXXX transaction date XX/XX/XXXX XXXX Permanet USAA CREDIT {$17.00}. See attatched XX/XX/XXXX Statement CONFIRMING XX/XX/XXXX ( ** {$17.00} PERANET XXXX XXXX REVERSED ). 
See attatched XX/XX/XXXX XXXX Permanet USAA CREDIT** {$25.00} See attatched ( XXXX XXXX, XXXX {$25.00} PERMANET USAA CREDIT REVERSED. ) See attatched XX/XX/XXXX XXXX PERANET USAA CREDIT transaction XX/XX/XXXX See attatched XX/XX/XXXX Statement ( XX/XX/XXXX ** {$15.00} USAA PERMANET CREDIT REVERSED ).??? WHY???
Product: Mortgage

I am a XXXX veteran with 100 % property tax exemption status. I received this VA XXXX Letter in XXXX, I provided these documents to my mortgage company Carrington Mortgage along with the statement from the XXXX XXXX XXXX XXXX XXXX  stating I no longer am required to pay property taxes. At the time I was XXXX months behind in my current monthly mortgage payments. Due to this change, my monthly payments dropped so I asked the mortgage company to adjust the amount owed and advise of the new amount that would be due. My VA Award Letter states that my status is effective XX/XX/XXXX. However, they are trying to make me keep paying my regular monthly mortgage amount ( {$1500.00} ) and making the revised amount ( {$910.00} ) effective XX/XX/XXXX and I told them thats not right nor correct. I sent in a payment of {$2200.00} in XXXX, they are still trying to say I owe {$4700.00}. They will not adjust the payments for XXXX and XXXX, which is not right. I have asked for an updated escrow analysis, updated monthly statement to no avail. I have XXXX and have been trying to resolve this with them for the last XXXX months. I have sent so many emails and called and spoken with them on many occasions, this is unfair to the consumer They would not issue me a repayment plan, keep trying to get me to apply for mortgage assistance and raise my interest rate and monthly payment. I have a XXXX, why would I agree to something XXXX percent and over. My payments are now very comfortable so why would I agree to put it back where it was before or potentially more. These people are taking advantage of consumers. Please Help
Product: Credit reporting or other personal consumer reports

I tried to buy a house I realized that I had multiple inquiry credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX, 30 day late payments on my credit report. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ALL of 2021, I have sent 15 USC 1605- Determination of finance charge, 15 USC 1666b- Timing of payments 15 USC 1681 b- Permissible purpose, 15 USC 1681 a ( 2 ) ( B ) Exclusion from consumer reports. With no remedy., They told me they are having difficulty identify me.
Product: Debt collection

Comenity bank continues to call both me and my girlfriend over a debt that is owed by my niece XXXX XXXX of XXXX XXXX, XXXX. We live in XXXX XXXX XXXX XXXX and I don't even remember the last time I spoke to her and my GF has never even met the woman. I have repeatedly told them to remove my and my GFs phone number from their database but they continue to call us harassing us about getting in touch with XXXX. I have provided Comenity much detailed information including XXXX XXXX phone number and address, her husbands phone number and address, their XXXX pages, their business phone number and address and even their father 's phone number and email address. They refuse to stop calling us and it needs to stop. The phone number they are calling from is always different but they want us to call XXXX.
Product: Credit card

I applied at PNC branch in XXXX XXXX on XXXX XXXX. After the representative submitted the application I went home and then I called under writing services and the person I spoke to names XXXX told me that I was denied because " I am out of the lending area ''. I didn't know that means and that she explained to me that because I am not located in XXXX and we do not have a branch you can't apply. I live in XXXX so I went to XXXX to apply. 

On PNC website it does not say that if you don't live within the branch you will be denied. I though I have a branch and then I am eligible to apply for credit card. Now my credit got hard inquire for no reason when PNC knows that if you are not within the branch you can't apply. I was not told that if you are not within the branch you can't apply. PNC is not transparent to consumers at all. It is false advertising and they make you apply and then your application get denied. They should state that on their website saying if you do not live in so and so ( for example XXXX branch in XXXX you will be denied ). 
I live in XXXX so I was denied. Before I went to the XXXX branch I even call the PNC credit card number and I told them that I live in XXXX in XXXX and can I apply. 
The rep over the phones says Yes you can apply over the phone too and did not even tell me if you live in the outer boroughs you can't apply because we do not have a branch. I also went to another branch in XXXX and the rep even told me to apply too but did not tell me this policy. I have NEVER gotten a credit denied when ever I apply for a credit card. 
As matter of fact I went 3 branches and they all told me to apply but did not tell me that there is this restriction at all. If I knew this I would not have applied at all and it will not effect my inquire for the 3 credit bureaus.

I want to know how can I resolve this issue? Is it possible I can take inquire off the credit bureau or not because this is not my problem that I was denied and it is not the usual reason because of my credit score?