23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CONN 'S HOME PLUS CONSUMER ACCOUNT ( FURNITURE ) OPEN ACCOUNT AT STORE : XX/XX/2020 FIRST PAYMENT : XX/XX/2020 XXXX {$400.00} ) FIRST PAYMENT POSTED : XX/XX/2020 XXXX {$400.00} ) SECOND PAYMENT : XX/XX/2020 XXXX {$220.00} ) SECOND PAYMENT POSTED : XX/XX/2020 THIRD PAYMENT/POSTED : XX/XX/2020 XXXX {$220.00} ) FOURTH PAYMENT : ( for XXXX XXXX XX/XX/2020 XXXX {$370.00} ) not posted (? ) by Conns FIFTH PAYMENT : ( for XXXX ) XX/XX/2020 XXXX {$140.00} not posted (? ) by Conns -No billing statements or bill summaries to date from Conn 's since account creation -No credit card issued to represent my active account -No billing activity, payment activity, account number available online via account login -Contact made with Conn 's via ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and received no assistance ; transferred repeatedly to different departments that claimed not the be able to offer me assistance -I made contact with a local store manager " XXXX '' XXXX VA at ( XXXX ) XXXX -Online bill pay via my online account is not capturing my payments properly -Given several different addresses for corporate office, CONNS XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ; CONNS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; CONNS XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Opened a dispute with XXXX over a loan I have with onemain for inaccurate information saying my account was late when it was not, or later than it actually was. Dispute came back with an additional late payment for a month that was not previously reported late at any point in time, but is being reported as such now. This has had a severe negative effect on my credit report and XXXX impact my ability to access credit or financing in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation either
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX last XXXX of account number is XXXX. This report has so much incorrect information on it. The high credit is XXXX on XXXX and XXXX on the other XXXX. The date last active is different on all three bureaus. TransUnion shows XXXX, XXXX shows XXXX and XXXX shows XXXX. The date of last payment is XXXX on XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

I tried to withdrawal my funds from my wallet from Blockfi XX/XX/2022. Status has been showing " pending ''. They are not responding to any calls. I was supposed receive my funds XX/XX/2022 XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit reports since XX/XX/XXXX. I filed a Chapter BK in XXXX of XXXX and it was discharged in XXXX. 

Equifax has removed 90 % of my history. I had to send a 10 page fax proving my identity. I still can not access my report. 

XXXX  also has identity issues but I can get to a partial report online. 

XXXX also has me blocked from obtaining my report even after uploading on my phone to the representative who said I would be able to access. 

I have had a 160 point drop in my score. I have been denied PPP, FEMA and SBA assistance and nobody will disclose why. 

I had no issues with my Covid tax stimulus or IRS Tax return but in XXXX when my score dropped, and Equifax removed most all of my history I can not access ID.me for the IRS, SSA, and I have not gotten my unemployment credit not advanced child tax credit payments. 

I have a medical collection bill that was paid in full by XXXX XXXX XXXX XXXXXXXX XXXX XXXX that was sold to collections for {$250.00} and never got a bill. I have been working with two debit collectors, the insurance and medicaid. Every month its worse.

Multiple debt collectors discharged in BK in XXXX are reporting discharged debt and selling to new collectors. 



I need help.
Product: Debt collection

I received a notification from my credit monitoring account that I had a new derogatory account from National Credit Adjusters for a balance of {$310.00}. I never received a notice of this account or notice of a right to dispute this account in the mail.
Product: Debt collection

I have called the company and told them this wasn't my account and filed a dispute. Now they want information from me and that is not mine how do I approve a negative.my info has been in many data breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I placed a credit freeze with each of the three national bureaus. Each of the bureaus required me to create an account with them to implement the freeze. At that time, I unchecked any boxes that would have allowed the bureaus to send me marketing communications or offers. Since that time, Experian has been sending me unwanted marketing communications and offers unrelated to implementing the credit freeze. 

For example, on XX/XX/XXXX, Experian sent me an email entitled " Instantly increase your FICO Score ( yep, you read that right! ). '' This is clearly an ad for Experian 's Boost product offering. However, Experian maintains that I can not opt-out of this communication because it is " related to my account ''. The footer of the email reads " This email was sent because it contains important information about your account.... you will continue to receive email notifications regarding your account. '' Again, on XX/XX/XXXX, Experian sent me an email directing me to " See your latest Experian credit report, FICO Score and other updates '' ( I have to assume, at an additional cost ). Similarly to the XX/XX/XXXX ad, the footer of the email reads : " Why am I receiving this email? This is not a marketing email - you're receiving this message to notify you of a recent change to your account.... You can update some alerts and communications preferences any time on your Experian CreditWorks Basic profile, but you'll continue to receive notifications like this one on the status of your account. '' Contrary to the representations within the email footer, the purpose of the email is clearly to entice me to purchase another product from Experian. The email is unrelated to my credit freeze and addresses no change affecting my credit freeze. 

Consumers should be able to implement a credit freeze without receiving daily emails from Experian advertising other Experian products. There appears to be no way of stopping these emails, other than to delete my Experian account. Even if this was possible, I would then have no control over my credit freeze.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS EXPOSED IN DATA BREACH OF EQUIFAX INFORMATION SERVICE LLC. 

NEGATIVE ITEMS THAT WERE EXPOSED IN DATA BREACH OF EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi, I have sent the individual Explanation of Benefits ( EOB ) through fax and mail about 2 weeks ago. But I can not get a confirmation from you to prove that those documents were received. No email option was provided by Remex so there was no way for me to have the electronic proof for sending those evidence. Thus, I am sending these EOBs through CFPB and you can see there are two EOBs missing in the ledger of XXXX XXXX XXXX, which contributes to the falsely claimed owed amount. It will be ideal if you can contact me through email so that we both have the electronic record for future. Thank you for understanding. 

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

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is showing the account has a late payment and is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - I called XXXX to remove an inquiry that was previously deleted and placed back on my account without proper 5 day notice. The inquiry was placed back on my account on XX/XX/XXXX from XXXX XXXX. 

Experian & XXXX - I have sent in police reports FTC reports Identification as well as Utility bills to remove incorrect addresses from my Experian Account and they have yet to be removed after months and several times resending documentation and receiving verbal confirmation that they would be removed. The addresses as well as other info that is inaccurate and needs to be removed is as follows. 

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

XXXX XXXX closed my loan account in 2017, sold it to XXXX XXXX XXXX and still reporting a balance and negative remarks. The car was VOLUNTARY surrendered, and re sold. This is illegal and against the FCRA to sell a debt, try to collect again, and report it as negative under XXXX XXXX when they don't own the account, XXXX XXXX XXXX does. They have ignored letters and requests to remove this off my report and stop with their illegal process of selling a debt to a collector I have no contract with.
Product: Credit card or prepaid card

Made a {$5000.00} payment to Target RedCard on XX/XX/XXXX... electronically. It HAS YET TO BE CREDITED TO MY ACCOUNT!!. 

I DID contact Target. This is the response : " When we receive account payments, we credit the payment based on the date it was received. However, we may delay adjusting your available credit while we finish processing the funds. This is why your {$5000.00} payment on XX/XX/XXXX reduced your account balance but didn't immediately increase your available credit. '' So, this really means Target HAS THE MONEY. But will NOT credit it to the account until they want to. SO, this means they FLOAT my {$5000.00} payment and make money on it ALL THE WHILE CHARGING ME INTEREST ON THE BALANCE. This is OUTRAGEOUS! Isnt this illegal? Isn't this Or at least despicable?? 

What happens next? 

Thank you ... .XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Mortgage

While the current complaint is against Nationstar Mortgage LLC XXXX Mr Cooper ; the original complaints through the CFPB date back to XX/XX/XXXX ( please see related complaints through this CFPB portal from me, XXXX XXXX ) started with XXXXXXXX XXXX XXXX  d/b/a as XXXX XXXX XXXX. o On or around XX/XX/XXXX, XXXX XXXX and XXXX entered into an agreement that impacts my real estate property. The current complaint against Nationstar is as follows : On XX/XX/XXXX they provided me a letter stating I was *confirmed* as successor in interest on the related debt obligation even though I am not related to the account holder { " XXXX XXXX and XXXX XXXX XXXX and never stated that I was. 

On XX/XX/XXXX I responded to them indicating the approval seemed to be based on erroneous findings, but no one has responded to my concern, It has been nearly 4 weeks and no response. Please see the attached XX/XX/XXXX letter and Filed Complaint. Please Help!
Product: Credit reporting or other personal consumer reports

In the accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 

Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy.15 USC 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish my account without my written instructions 15 USC 1681 c ( asa ) ( 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 USC 1682s-2 ( XXXX ) A person shall no ot furnish any information relating to a consumer to any consumer reporting agency if the person knows or has to reasonable to believe that thr information is in accurate
Product: Credit reporting or other personal consumer reports

I never gave my written consent to pull my credit from the list provided blow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Every month of the year from XX/XX/XXXX to as of now XX/XX/XXXX all negative marks and late payments on a closed account that was obtained with my information and used by some fraudster to scam me and my SSN now discover has a balance of XXXX $ on a credit limit of XXXX $ again I never used that XXXX card! Nor did I ever open that account i have never been a customer of discover card bank XXXX XXXX they have continued to practice criminal behavior they have been told to delete this account and now I have gone to the attorney generals office due to the refusal to comply! The account is not mine it must be removed immediately! Executive office at discover has been complicit in the harm against my fried which was a XXXX when I first realized somebody had used all my old info to obtain this account! They will be sued for this i have XXXX and can not even get a XXXX removed as this has effected my credit and income and my income business! I want it gone now!
Product: Checking or savings account

First instance happened on XX/XX/XXXX. Went into the pnc branch to talk to someone about overdraft fees that kept my account negative. That was happening since XX/XX/24. This all happened because the ATM ate my money a couple days before the XXXX. 

I kept calling them and they finally said they can only give three fees back out of 20 fees in XXXX. That is when in XXXX they only gave me back a total of 7 fees out of the 20. After escalating the situation. 

Because of this in XXXX I was over drafted because of the fees not given back for a total of another XXXX fees. XXXX in XXXX, XXXX in XXXX. And right now XXXX in XXXX. 

So they only gave me back a total of 7 fees out of 52 fees. 

These fees accrued because I was never able to recover all the way as if I was given all the fees back in the first place. 

So I would like my 45 fees back totaling {$1600.00}. 

I have been a pnc customer for a long time and dont get how much the company takes and never gives back.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple credit reporting errors across the three major credit bureausXXXX, Equifax, and XXXX. These inaccuracies have negatively impacted my credit profile and require immediate investigation and correction. Below are the specific issues I have identified : Equifax Reporting Errors : Inconsistent Late Payment Information : My Equifax credit report shows a 60-day late payment for XX/XX/XXXX, while my XXXX and XXXX reports correctly reflect a 30-day late payment for the same period. 


Resolution : Equifax should update this late payment entry to reflect the correct 30-day late payment, consistent with other bureaus. 


XXXX Reporting Errors : Missing Payment Information : My XXXX  credit report is missing payment data for XX/XX/XXXX and XX/XX/XXXX, even though I made on-time payments for both months.
Product: Debt collection

This debt collector LVNV funding is still claiming that I owe them when I dont. This is a junk debt collector that I never signed any contract with or opened any accounts with. The original creditor wrote this debt off on their taxes and sold it to this " junk '' collector which I dont owe because I never signed a contract with lvnv funding llc. This debt collector does not have a right to collect from me under the FCRA. And should be removed from my credit report. I have also never received any written correspondence regarding this debt from lvnv.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts REASON XXXX  XXXX XXXX  ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$1100.00} XXXX XXXX XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$25000.00} XXXX  XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$430.00} XXXX  XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$1200.00} US DEPT. OF EDUCATION/XXXX  ID THEFT - This Collection Is Not My Account Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$50000.00} XXXX XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$9900.00} XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$1000.00} XXXX/XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XXXX/XXXX/XXXX Balance {$1000.00} XXXX  XXXX  XXXX CREDIT ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$2200.00} Date XX/XX/XXXX US DEPT OF EDUCATION XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$2000.00}, XXXX, {$2000.00} Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.I also understand that the Fair Credit Reporting Act- specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notifications of the appropriate corrections and updated credit report at no charge. thank you for your time and attention to this matter. I look forward to hearing from you soon Very truly yours, XXXX XXXX
Product: Checking or savings account

I opened a Bask Bank interest checking in late XX/XX/XXXX. I never received the debit card, and thus never activated it. 
On XX/XX/XXXX, someone used that debit card and withdraw {$100.00} at an ATM, which is about XXXX XXXX XXXX from where I live. I can see the location of the XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX. I immediately called customer service to dispute this transaction. 
On XX/XX/XXXX, XXXX XXXX XXXX of the bank called me to follow up. I thought things went well. Below is his contact information : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter in mail says my dispute is denied. It doesnt make sense. I never receive that debit card. Whoever got that card, how can he/she use it at ATM to withdraw money without me even activate it?! 
On XX/XX/XXXX, I sent an email to XXXX XXXX, no reply. I called him and left a voice message, no reply. 
On XX/XX/XXXX, I spent XXXX plus hours on the phone with Bask Bank customer service. I was transferred back and forth in circles. No resolution. 
On XX/XX/XXXX, I got a phone call from XXXX XXXX. He told me that whoever submitted the dispute case for me, he or she made a mistake, and the case was incorrectly filed. But he can not do anything for me, and I must call customer service again, which I already did the day before. 
On XX/XX/XXXX, I spent another XXXX hours on the phone with Bask Bank customer service. I was transferred back and forth in circles. No resolution. 
Im attaching the police report which include the police case number in it for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX inquiries on my credit that were done without my consent. I have contacted the credit company Equifax to remove them since XX/XX/XXXX but they refuse to do so. Please help. 
Date of reporting : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I went to purchase a car. The only approval I want was through the XXXX dealership financing. I did not authorize XXXX XXXX XXXX XXXX that was pulled XX/XX/XXXX. I also did authorize XXXX XXXX XXXX. I didn't authorize XXXX XXXX XXXX. They was all pulled XX/XX/XXXX. I have also didn't authorize XXXX services that was pulled XX/XX/XXXX. I have reached out to all credit bureaus to settle this matter one of them provided the proper steps to verify that I have personally authorize these inquiries