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

In XXXX, XXXX the following companies were provided w/a " Manual Remittance Payment '', from the IRS, on behalf of the Affiant, XXXX XXXX XXXX XXXX XXXX pay in full, the credit card account ( XXXX ) with said company ( ies ). These companies are : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX payments were either : A. Received, but not credited to the account, or B. Received, not documented, and not credited to the account, or C. Received, not documented, not disclosed as received, and not credited to the account, etc., etc.

Since having received whatever documentation and payment from the IRS that was authorized and requested by me, the companies involved proceeded to pursue collection action ( s ) against me, and have fraudulently and falsely reported the so-called " unpaid '' balance ( s ), as " debt '' that I still owe.

These companies have failed to properly " discharge '' the alleged " debt '' due to their refusal, and/or inexperience or education " accepting '' a properly tendered payment, and have continued to be in dishonor.

These companies refuse to provide proper documentation based upon GAAP, and simply provide copies of statements ( not bills ) as " proof '' of an alleged " debt ''. They have falsely reported the said accounts as " unpaid ''.

Finally, these said companies, by providing false and misleading information to the CRA 's, have severely damaged my credit, which prior to XX/XX/year>, was in the XXXX range, and, have not properly disclosed, as per agreement, whether ALL payments and/or credits to the accounts in question, were either credited, or returned as " undocumented '', " un-accounted for '', or simply " lost ''. 

I am therefore, requesting a re-investigation of this matter in its entirety, so that Justice may prevail. For the record, I have all documentation related to the requesting of, and mailling to the relevant IRS offices, of said " Manual Remittance Payment '' requests to support the foregoing information.
Product: Debt collection

Spoke with XXXX and XXXX. XXXX says he is a manager and I was trying to report XXXX for harassing me when we 'd spoken. XXXX says he will look into it then tries to get me to give my checking information to make payments. I said no, and he starts getting an attitude, which I told him I did n't appreciate and he told me I 'm being sensitive. I told him I want to make payments but not with my checking account. He says his office will send back the account to the client as refusal to pay, if I do n't " secure '' our arrangement right now with my checking info or a payment off my debit card, even though I 'd already explained I do n't get paid til next Friday. By this time I was having to speak loudly because he would n't let me get a word in edgewise. He says he 's going to terminate the call if I do n't stop interrupting, etc. I asked to speak to his manager, he flat out says no, says I 'm trying to avoid/distract from the matter. This is the manager. The other boy I spoke to got on the phone after a transfer, and just went off on me about how I need to pay x amount of money that I already said I could n't afford. He belittled and shamed me for not paying the debt so far, and demanded that I pay it now. I told him not to speak to me that way, which he continued to do. Eventually he just hung up on me. I 've seen very similar complaints online, some of them quoting this XXXX guy, things that he said to me as well, word for word. I do n't understand how they 're still in business, or not in court or in jail for violating federal law. Please do something about this.
Product: Credit card

I am filing a complaint about Chase XXXX. 

I accepted a balance transfer offer for XXXX  % interest through the end of 2024. I have set up automatic payment to pay this balance in full before the required date. 

In the interim, I have made a few purchases using this card. I have made payments far exceeding the balance of these purchase and, yet, I am still being charged interest. 

I am told that since I accepted a promotional offer, that ALL new purchases will be charged interest from the minute the purchase is made. This varies from the original terms of the card which state that if the balance is paid in full before the due date, no interest will be charged. 

This change was NOT made clear when I accepted the transfer offer. I am paying off my purchased every month as well as making large payments toward the promotional balance. 

This is EXTREMELY shady on Chase 's part. I have done balance transfers with other companies in the past and this has NEVER happened.
Product: Credit reporting or other personal consumer reports

Description of the Issue : I have several accounts listed on my credit reports from XXXX, XXXX, and Experian that do not belong to me and should be removed immediately. These accounts are inaccurately reported and are impacting my credit score. I have disputed these items with all three credit bureaus, but the inaccuracies remain unresolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and should be removed immediately XXXX 




Actions Taken : I filed multiple disputes in 2024 with XXXX, XXXX, and Experian for the above accounts, providing documentation that these accounts are not mine. 
Despite these disputes, the accounts remain on my credit reports, and I have not received a satisfactory resolution from the credit bureaus. 
I have requested that the credit bureaus remove these accounts from my credit reports, as they are incorrect and do not belong to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint through CFPB for this company that has been reporting a collection from XXXX collection agency on my credit report without notifying me of the collection or giving me a right to dispute the debt before reporting to my credit report. Reporting a debt without notice or right to dispute is a violation of the FCRA. This company had continued to report even during multiple disputes which is also a violation since items can not be collected or reported during a dispute. Reporting an item is still an attempt to collect. There are so many violations and this account still had not been removed. This debtor also still had not proved that I owe this debt at all which I know I dont owe
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent out a letter three months ago. I have provided proper identifications and copies of the credit reports with inquiries that are not consented to by me. It is also a violation to furnish social security number on the credit report. That's can result in fraud and identity theft as well. I have also sent a separate letter disputing that error as well.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, PA XXXX Dear TransUnion, I am writing to express my frustration and confusion regarding the repeated responses I have received from your company regarding the status of the disputed account. FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : I have the sole authority to determine what information should be considered private. I insist that this information not be shared on my credit report. 

Despite providing new and relevant information that clearly demonstrates the inaccuracy of the account in question, I continue to receive the same letter stating that the account has been verified. This leads me to question whether my information was adequately considered during your investigation process, and whether it was forwarded to the court for verification. I am interested in learning about your interactions with court representatives, including their full contact details. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

" XXXX  XXXX Bankruptcy '' with Reference # : XXXX. 
Account is reporting when the US bankruptcy court does not report to anyone. This is a Violation of my privacy. Please delete. 

Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 

While I may not be an expert on credit bureaus and credit reports, I have conducted research that leads me to question the reliability of the XXXX system that is reportedly used for investigations. I understand that this system may not always provide accurate results, and it is unfair to rely solely on it for verification purposes. 

Furthermore, my research on the Federal Trade Commission ( FTC ) website indicates that credit bureaus are required to conduct thorough investigations rather than simply parroting information provided by creditors and collection agencies. Failure to do so may result in legal action under the Fair Credit Reporting Act ( FCRA ). 

I am reaching out to you with the hope of resolving this matter amicably. However, if your company chooses not to take appropriate action, I will have no choice but to file multiple complaints and seek legal advice from an FCRA attorney. 

I urge you to conduct a new and thorough investigation into the disputed account and take the necessary steps to correct this issue promptly. 

Thank you for your attention to this matter. 

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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX CARD-Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft going on with my Transunion credit report as someone tried to apply for a credit card or loan with a financial institution called XXXX XXXX using my SSN and other details without my consent or knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I had submitted a complaint against FNB OMAHA inquiry on my XXXX Credit report ( Cfpb Complaint # XXXX ). The original date of the inquiry was XXXX XXXX. The company did respond on or around XX/XX/2022 that they will send a request to XXXX to have the inquiry removed. 

Upon checking today, XX/XX/2022, the inquiry still remains on my XXXX Credit report. I would like this Inquiry removed ASAP as FNB OMAHA had promised. 

Thank you.
Product: Student loan

Asked about lowering payments using an interest only program and payments are still high nearing {$500.00} a month on a teacher salary. Private loans were issued from XXXX and I have Been paying since XXXX  barely lowering my debt with a payoff date of XXXX. Loans were given at such a young age and were too much with no options of lowering interest. I have 4 different loans out with interest rates from 9.5 % to 10.2 % on a student signature loan totaling {$66000.00} that I was influenced to get at age XXXX. Company has only discussed interest only payments with a high interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

While recently moving to Florida, I was going through tough times financially. I missed one payment of 30 days in XX/XX/XXXX. That is the only payment I have missed with XXXX   XXXX. Even going 2 to 3 years without missing a payment they will not work with me or accept my goodwill request as of XX/XX/XXXX. The credit agency, experian also was not able to help.
Product: Mortgage

on XX/XX/XXXX, I submitted a mortgage refi application with Citibank for my primary residence. The associated fees for the application were charged to my credit card on XX/XX/XXXX. It is now XX/XX/XXXX - over a year since the application was submitted and my application is still pending review. I have chased, I have escalated, but none of it has worked. Most recently, I don't even get a superficial response that my loan is still pending when I ask for an update. I have had to pay the higher interest compared to where the refi is locked all these months. Additionally as rates were dropping, I asked Citibank for a rate refresh to see if I can re-lock at a lower rate and my requests were ignored. Citibank 's practices are unprofessional, unethical, and this needs to be addressed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in forbearance and my bank loan care agreed on the forbearance terms. Once I was out of hardship I started making payments. My mortgage company loan care report missed payments to credit bureau which dropped my credit score from XXXX to XXXX. They return last payment and report missed payment. I have called the mortgage company numerous time but there has been no resolution yet. This is going one for almost a month and when ever I call I have been told they are busy and they have a lot of customer like me and it happen because of pressure from investors. I dont know if they are trying to get government fund by showing some numbers or what but as individual I have been devastated by this with no resolution in sight.
Product: Debt collection

I am a 100 % XXXX VET. I have been awarded 3 XXXX XXXX. I have medical through the VA. I XXXX XXXX and was having XXXX. They took me to the XXXX. As soon as I came through I informed them I was a Veteran and that they needed to contact the VA. 100 % of my medical is paid by the VA. XXXX XXXX XXXX  is reporting a medical collection account. I informed them that I had insurance through the VA and the original creditor was aware of that and needed to bill VA. I told them I was disputing the validity of the debt. They did not even attempt to verify this. They immediately started to collect the bill from me. I again informed them that I disputed the debt and they needed to send it back to the original creditor but they ignored me. They sent me a letter. I responded to it again and told them it was wrong. They just kept at me to pay them. They ignored all of my requests. The VA should have paid this bill. The VA was never contacted.
Product: Credit reporting or other personal consumer reports

I have a loan open with XXXX XXXX  and they are not reporting my account to the credit agencies after my XXXX  XXXX bankruptcy. There was a reaffirmation with this company and I am still paying on time for this loan. As well for Sheffield financial I paid the loan in full and that was not reported to the agencies. I have tried to reach out to Sheffield with no luck. XXXX XXXX has not helped me at all to report my on time payments.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Equifax has neither corrected or removed these disputed items despite the evidence I provided. This is causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX unable to pull credit report from Equifax when seeking approval for loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have disputed with both XXXX  and the collection company on the inaccuracies being reported on my report. I sent certified letters on XX/XX/2021 with no response to the company. Professional Credit Management has violated my ( HIPAA ) rights as I have asked them to provide documentation of my written signature stating the release of any information or contract I have signed be provided to me. I am allowed to have my privacy PROCTED. I disputed on XX/XX/2021 with XXXX. See CERTIFIED LETTER XXXX XXXX has allowed this violation by continuing to validate and not verify this information. The results of there dispute are attached along with letter I sent to them requesting verification.
Product: Credit card or prepaid card

In XXXX we signed up for XXXX using one of the consulting firms who set up the account. As a result at no point, anyone offered us any kind of terms of conditions, or policies. After unsuccessfully trying to implement their product, it never worked right, so we decided to cancel the subscription. It took me several days to research how to cancel it since XXXX  makes it very hard to cancel. 

Finally, on or around XX/XX/2021 I was able to submit a cancelation request. But XXXX employee told me that according to their policy the cancelation request should be made 10 days before the renewal date. 

The problem was - no one told me about the existence of such a policy, which I mentioned to the XXXX employee. She ignored and responded with the same answer. 

On XX/XX/2021 Keap/InfusionSoft charged {$210.00} on my card again. I filed a chargeback request with Capital One - case number XXXX. Capital One requested documentation and the merchant provided a printout of what I think is one of the many pages on their website that mentioned 10 days cancelation requirement. That document the merchant provided did not have my signature or any indication that I was made aware such a document exists. 

On XX/XX/2021 I received a letter from Capital One saying that the merchant provided satisfactory proof and asked me to send them the policy I received when subscribing to the service, in case my copy does not have 10 days requirement. On XX/XX/2021 I responded to them that I never received such a policy in the first place, yet Capital One denied the chargeback. I reached out to several people in Capital One and each of them said " I personally understand you very well, and this is wrong, but we need a policy you received ... '' despite me telling them I never received one in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX the company told me they forgot to do the dispute for XXXX, XXXX XXXX XXXX, which was included in my Chapter XXXX  bankruptcy that was Discharged,  also the statue of limitations has expired on this judgement, they also assured they would be expediting the dispute. On XX/XX/XXXX I spoke with LexisNexis and they assured me it was fully removed from my report. On XX/XX/XXXX my lender ran my report and it is still showing on my report and i reached out to LexisNexis and they said they forgot to dispute it even though they have the bankruptcy information and the release of judgment. I have been in the process of purchasing a home and LexisNexis is causing me to lose this home due to their lack of effort.