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

There is a delinquent account in the amount of {$280.00}, that is being reported since XX/XX/2015 by Bank of America Missouri, to XXXX. I immediately contacted XXXX  to dispute the amount being reported once I was made aware of the negative impact on checking profile. I did not remember owing any amount to Bank of America so I filed the dispute and waited a little over 30 days for my updated results. To my surprise, the account was not removed but I was advised to contact Bank of America for further information. Well, I contacted BOA right away and spoke to many different associates, who all provided me with basically the same information. I was told that my account was archived and no information besides the fact that most of the fees were because numerous overdrafts fees were accessed to my account due to a {$9.00} balance. I was told they could not find any information on why I was being charged {$9.00} dollars but that the overdraft fees were valid and would have to be paid in full to remove this account from my profile. I do not understand how {$9.00} can result in someone being charged {$280.00}. This company can not and has not provided me with any documents stating the breakdown of the charges yet they continue to report the debt is valid. Please assist me with holding this company accountable and stop them from taking advantage of low-income individuals.
Product: Student loan

I am trying to change my repayment plan from a standard to an extended graduated repayment plan. Edfinancial requires a phone call to make the changes, but the hold times are insane. I called this morning at XXXX XXXX  PT and did not receive a call back until XXXX XXXX  PT. After taking my income information, the customer service rep told me it would take 20-25 days to change the repayment plan. My wife has her student loans serviced by XXXX, and changing her repayment plan was as easy as clicking a button and accepting the new terms. By requiring me and countless other student loan borrowers to jump through so many hoops just to change the terms of the repayment plan, Edfinancial is interfering with the borrowers right to modify payment terms, in violation of the promissory note between the Department of Education and the borrowers.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( XXXX XXXX XXXX ) 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 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The company refuses to send me my credit report.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees Ive incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite funds initially being available. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Merchants Credit Guide Co., a collections agency, sent me two bills, allegedly on behalf of XXXX XXXX XXXX, XXXX, even though I already paid off my balance with the alleged creditor. In fact I double-checked that I have a XXXX  balance with XXXX today, XX/XX/18. 
- The first bill, in the amount of {$520.00} I believe, was sent around late XXXX. Some time after I paid off my balance directly on the alleged creditor 's website. 
Right after that I sent Merchants Credit Guide Co. a letter notifying them that I was not accepting their " services '' as a collection agency. A return receipt shows they acknowledged receipt of my letter somewhere in XXXX. 
- Recently I received another bill, for {$38.00} this time. This morning, after I double-checked with XXXX XXXX XXXX, XXXX. and confirming that I owe them $ XXXX, I called Merchants XXXX XXXX XXXX , to let them know I owe nothing to them but the agent said came up with a {$520.00} amount again. I asked him something like : " Do you know more about the creditor 's finances than they do? '' and he said he did. 
Then I asked him to explain me why should I say money to the agency if I owe nothing to the alleged creditor and he said something like Ok, sir, have a good day and hanged up. 
I am extremely concerned Merchants Credit Guide Co. are systematically attempting to get consumers to send them money they do not owe. 
From late XXXX to date they call my cellphone number everyday, sometimes twice a day. I never answer unknown numbers but I know it's them ; I XXXX   those numbers.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XX/XX/year> Experian- The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> Experian- The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account that is not mine. I sent a XXXX dispute letter asking for more information showing that its my account because its not mine and they cant prove it is. 

They keep closing the dispute and not removing the account from my credit. They wont help me when I call or email. They wont send me any information backing up that collections account claiming to be mine.
Product: Student loan

Have a loan thru XXXX XXXX and have been paying on it for over 11 years. Several times over the years I was unable to make the payments and they only offered me a 3 month grace. Most recently I was unable to make a payment because I was unable to work and was told I had used all my options and not to make the payment and to call when I could make the payment. Well that put me in less than good standing and they are now contacting my co signers which I was never told that I could ask to have them removed from the account after making a certain number of payments. Navient is the one that has the account right now and was the one who told me not to make the payments. I now owe more than the original loan was nothing has ever been taken off th principal because i was never able to afford the principal payment. I just wish Ii had never got involved with This company! This was a loan out for my childs education.
Product: Debt collection

I have contacted this office requesting validation of this alleged debt without any response & it has been more than 30 days. I have not conducted any business with this company and have no contact with them.
Product: Checking or savings account

someone stole my identity while i was in XXXX  and was recieving my social security benefits on a prepaid NetSpend card. 
while before I went to XXXX  i was recieving paper checks
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed below. Once again HERE IS THE ACCOUNT THAT I WANTED TO REMOVE! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Several of my credit accounts are and were frauded. 

I never signed up for most of them. 

They keep pursuing without credentials and verification of account debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I've filled out an FTC report to Experian explaining that there is items on my credit report that I did not authorized the companies are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and two hard inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX on XX/XX/2024 I called Experian fraud department to get those item off my report. I experienced that same day that the inquires for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all came off my credit around XXXX XXXX. the same day those I listed inquiries gotten removed but not XXXX XXXX XXXX XXXX did not come off and in the attachments I have a durable power attorney that legally give me full control of any and all consumer reports and I'm demanding the rest of what was on my FTC report to be removed! The reference number for the FTC report is XXXX it will be provided as well alongside with my updated credit report and my durable power attorney. Since the inquiries gotten removed those accounts need to be taken off!
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 2 years, I have disputed the same account with XXXX and either they refuse to dispute it, refuse to provide me with the documentation they received to verify the account is reporting correctly, or refuse to explain to me what was updated when the information is the exact same as it was before the dispute. I have contacted the company directly and have submitted to XXXX the documentation received and XXXX will not use it from the company. The most recent dispute was not updated because XXXX just took the same information from the last dispute and applied it to this one. This account has been paid in full and paid satisfactorily, however, XXXX won't reflect that in the reporting and this error is causing me credit issues : I have also advised XXXX that the company is reporting my name incorrectly as well. The agent said, " it is a mispelling, not an inaccuracy ''. I advised the agent, according to the FCRA, all information must be reported accurately and a mispelling is an inaccuracy. 
Results Report Number : XXXX Date Generated : XXXX XXXX, XXXX US DEPT OF EDXXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After BeforeClose US DEPT OF EDXXXX Account Name XXXX Account Number Education Account Type Individual Responsibility XX/XX/XXXX Date Opened Transferred, closed. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$11000.00} Original Balance {$0.00} Highest Balance NA Terms - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX CLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinvestigation Info This item was updated from our processing of your dispute in XXXX XXXX.
Product: Debt collection

This company will continually call me during work, every SINGLE DAY & leave voicemails. I work banker hours & days with a high demanding job that requires my full attention which requires me not to be on a phone & they dont take that into consideration that normal people work those hours. They have also sent me a text after not answering a call & have also created numerous other numbers after I blocked their number to call me AGAIN daily.
Product: Debt collection

I need to know what I have on my credit that is causing me probletoo know what it is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some fraud and derogatory accounts reporting on my credit report, I have contact the creditor directly by certify mail going back to XX/XX/2017. 
I also create a dispute with the three credit bureaus XXXX, XXXX, XXXX XXXX please help to get this out of my credit. I would like to have a right to sue civil please issue me a letter with a right to sue and collect damages. 
I will attach all the certify letter sent to the creditor. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I noticed accounts I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time out of your day to assist me with this issue. In XX/XX/XXXX I have contacted this creditor and advised them that I am a victim of identity theft. I provided them with all proper information and still refuse to assist me with removing this information off my credit report. I also provided them with police records that I have advising them I have been a victim. I called them today XX/XX/XXXX and they advised me that they will not remove this information off my credit report.
Product: Bank account or service

In XXXX XXXX, I followed a link that was on the CitiBank website to open a new checking account. At the time of opening that account, there was a promotion that was being offered that said that XXXX XXXX Thank-You points could be earned by completing qualifying activities after opening a new CitiGold checking account. After completing the activities as specified in the original terms when opening the account, I sent a message through the CitiBank website to inquire about the XXXX Thank-You points that I was supposed to receive as a result of participating in the promotion and completing all of the necessary requirements. I received a response back from CitiBank indicating that I had indeed completed all of the requirements of the promotion on XXXX XXXX, XXXX. I was then told the bonus points would be credited to my account no later than the end of my XXXX XXXX statement period, which ended on XXXX XXXX, XXXX. After this date passed and no points were credited to my account, I called twice and also sent messages through the CitiBank website. I was given several different responses, including one customer representative denial that I was signed up for the promotion, another customer representative said that I was not qualified for the promotion, etc. However, I pointed out to all of them that I had verified earlier both at the time of signing up for the checking account, as well as, after I had completed all of the requirements of the promotion that I was indeed qualified and had completed all of the necessary requirements for receiving the bonus XXXX Thank-You points. I have also attached to this complaint a written copy of the letter that was sent to me directly from CitiBank that confirms that I was enrolled in the offer, that I did complete the requirements of the offer, and that they stated that I would receive the XXXX Bonus Thank-You points by XX/XX/XXXX statement.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was a victim of identity theft. There are inquiries on my Experian XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

We have been a member of the Discover credit card company since XXXX and have never had a late charge payment. We have a XXXX line of credit with them which has never been used. Yesterday we were notified of a late fee of {$27.00} and an interest fee of {$5.00} based on a claim that the company did not receive our last payment of {$310.00} which we sent on XX/XX/XXXX ahead of schedule. 
We received a phone call notifying us of a non-receipt of payment for the above on, XX/XX/XXXX and a new bill showing the charges on the following day, XX/XX/XXXX. During the phone call we repaid the bill plus charges from our bank account to settle the dispute. Why did Discover wait nearly a month to inform us of the non- payment when obviously they knew about it earlier? 

During the call we reviewed our 27 year history of prompt payments, offered a carbon copy of the paid check and relayed the information that the handful of bills sent at the same time were received. 
Could it be that Discover was trying to eliminate us because of low volume of activity in our later years and the nuisance of using the mail? 

Attached please find a copy of the original paid bill, a carbon copy of the payment check and a copy of the new bill. 

Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute about an account in my credit report XXXX XXXX. I do not believe this account is mine. The only response I have gotten is account information disputed by consumer ( Meets requirement of of Fair Credit Reporting Act as the result of my dispute. Then I submitted a complaint with CFPB, to which experian replied they checked with the company and would mail me a full report of their investigation. I submitted my complaint with CFPB on XX/XX/2020 and they responded to my complaint on XX/XX/2020 and the complaint was closed. After being out of town for a few days I now have the full report of their investigation. It is a print out of the accounts in my credit bureau report and how they have been reported. There is also a note stating the same thing account information disputed by consumer ( Meets requirement of of Fair Credit Reporting Act. 

This is the same as NOT providing a response. There is nothing new that was added with this full report/non-response. There is still no information as to how this company is proving that this account is mine or what process was used to assess that the account meets FCRA standards. Experian has a responsibility to accurate reporting but rather than addressing a legitimate concern/complaint, they just send anything and call it a response/investigation so they can claim they responded and addressed a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts, names, addresses, socials, and phone numbers on my credit report that do not belong to me. I did lose my wallet with all my personal info around 9-10 years ago but did not know it was being used until recently. I have filed a police report and disputed it with the bureaus and they said it was proven to be valid which can't be true and have shown me nothing to prove it to be true.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The balance of the credit card was paid off by the wire transfer deposit but the credit company did n't honor the deposit and continued harassing, charging and reporting to the credit bureau as delinquent.
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. 

XXXX XXXX-Acct # XXXX, 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 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: Student loan

My federal loans were transferred this past year from mygreatlakes to nelnet. I made payments for 10 years and have never once had an issue. When this happened, I created an account with nelnet and set up the autopay right away. When my loans went into repayment this fall, the autopay payments did not go through and they sent me to collections after 1 month of non payment. My credit score was hit hard. I called immediately to fix this and waited on hold for a very long time. I let them know that there was no correspondence from them on their site, I have the confirmation stating autopay was successfully set up, and no where is my actual monthly payment amount stated anywhere. When I called they let me know my monthly statement was {$130.00} and I let them know the issue regarding the autopay ( which apparently many transfers are dealing with ). I re set up autopay again but it would not allow me to specify how much I was setting it up for. I gave it time to process thinking maybe I would be able to edit it after the fact. Nope. They are not allowing me to specify what amount I wish to pay with autopay whatsoever ( which is frustrating as I wish to pay more each month ) and in fact, the amount that nelnet set the autopay up for is {$95.00} which is far less than the monthly payment amount that they told me I owed. I can not express how awful the experience had been with this servicer.