23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXXXXXX XXXX : # 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: Debt collection

On XX/XX/2018 I called to attempt to settle my debt with Simm Associates. The agent was polite at first and outlined options for what I could do to pay. I informed her that I did not have the money now, but would have it in XXXX. She was aggressive about me paying, and then attempted to get me to pay some amount today. I informed her that I would need to speak to my wife and see our financial situation before making any such action. At that point, the agent became very rude and used aggressive language " You have a history of making promises and never delivering '' and repeatedly cutting me off, even as I strove to continue being polite and explaining myself. When I asked to speak to a manager or other personnel, she refused to put me in contact, repeatedly stating that they were at lunch ( at XXXX EST ) and could not be reached via voicemail. She then explained that she was not even the agent in charge of the call but that I did not have a choice in the matter, that I got whoever I got, and that if I did not pay today, there would not be a chance for a settlement.
Product: Credit reporting

I have been disputing a public record since XXXX 2012. I do not know the supplier is with Transunion or others. I would have contacted them directly to remove the false record. When I successfully had another bureau remove it I had assumed all other reporting agencies would follow suit. I fear I am only requesting removal form the known XXXX bureaus and others XXXX still maintain this falsehood. 
I am requesting this bureau to notify their supplier after they remove it form their records. and XXXX other reports that should be removed. 
Thank you
Product: Debt collection

On XX/XX/2019 I reached to XXXX XXXX XXXX about my American Express card. They said I owned XXXX we settled the account at XXXX. One payment on XX/XX/XXXX of XXXX, a second payment on XX/XX/XXXX of {$1000.00}, and third and final payment of {$1000.00} on XX/XX/XXXX. They said they would send me a settlement letter explaining the deal we had just agreed on. I spoke to XXXX and his manager. Today XX/XX/XXXX I called back because I hadnt received the settlement letter even though I had already made the first payment. XXXX told me there was no settlement and that I now owed added interest on the account which totaled around {$240.00}. They took my inicial payment on the settlement didnt send me a settlement letter and are now charging me interest. According to the XXXX there was no settlement done and I still owe the full amount. I feel ripped off of my rights as a consumer and as a citizen. They reported the wrong amount to the credit bureaus. Even though I made a {$450.00} dollar payment on the settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent account that is listed on my credit report. The account number is [ account number ], and the name of the creditor is PNC Bank. 

I have never opened an account with PNC Bank, and I do not recognize the account number. I believe that this account was opened fraudulently using my personal information. 

I am enclosing a copy of my credit report that shows the fraudulent account. I am also enclosing a copy of my identity theft report. 

I am requesting that you remove this fraudulent account from my credit report immediately. I am also requesting that you notify the credit bureaus of the removal. 

I am aware of my rights under the Telephone Consumer Protection Act ( TCPA ), the Fair Debt Collection Act ( FDCPA ), and the Credit Reporting Act ( CRA ). I am requesting that you comply with these laws and remove this fraudulent account from my credit report. 

If I do not hear from you within 30 days, I will file a complaint with the Federal Trade Commission ( FTC ). 

Thank you for your time and attention to this matter.
Product: Student loan

My loan was transferred to sloanservicing.com from nelnet. I have received emails to create an account, but the account I create cant login and reset doesnt work. I called their phone number and O heard someone pickup, but they never replied when I asked if anyone was there. I could hear them fumbling the phone, but no one replied. 

I would like to close out my loan it has less than a few payments left and Injust want it gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up on any response from Equifax after days of investigation. As I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Equifax has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation of the following accounts :, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having insufficient funds when transactions were authorized. I was charged fees due to lagged posting 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 initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting

I had originally disputed with XXXX about incorrect items on my credit report that were in collections on XX/XX/XXXX. Transunion had a completion date stating XX/XX/XXXX. I did n't receive an email until XX/XX/XXXX that my investigation was complete. First, since I received the results on XX/XX/XXXX instead of XX/XX/XXXX, I was improperly notified and that these items should immediately be eliminated from my credit report. Second, when I had reported Transunion to the CFPB, Transunion stated a second investigation would take place but never was. The results that arrived the XX/XX/XXXX were the only results provided to me to which they concluded the only investigation. I show on the results they also supplied with had a open investigation on XX/XX/XXXX with a blank investigation results. How can transunion respond back to the CFPB stating that both investigations were already completed when they ended their investigation on XX/XX/XXXX and did n't even start the one for XX/XX/XXXX. As stated previously, my credit report was falsely investigated by Transunion and I want those collection items deleted from my report. In addition, ever since I have started reporting this bureau, I have been receiving unwanted emails at all times throughout the day and in the middle of the night disturbing my family. As noticed online, I see Transunion has a reputation of offering deals to consumers without their knowledge and consent and these offers I 'm reviving as well which is concerning to me. I have one simple request with Transunion.
Product: Credit card

I am writing to file a formal complaint against Comenity Bank, the issuer of my XXXX XXXX  credit card, regarding an issue with the application of my recent payment and the subsequent denial of a refund for an unjustified fee. 

On XX/XX/2024, I made a {$200.00} payment towards my XXXX XXXX credit card through the Comenity website. This payment was intended to cover my XXXX statement, but due to the same-day posting and the statement cut-off, it was mistakenly applied as additional principal for XXXX. Consequently, I received a late notice on XX/XX/2024, indicating a failure to make the XXXX payment. 

Upon discovering the error, I promptly contacted Comenity customer service on the same day at XXXX XXXX XXXX. The initial customer service representative acknowledged the misapplication of my payment and assured me that it could be rectified. Unfortunately, the call terminated during the transfer to another agent. Despite this setback, I called back at XXXX XXXX  and spoke with a different representative who confirmed the payment history, acknowledged the lack of notification on the website about the payment cycle, but stated that a refund was not possible due to their relationship with the merchantXXXX XXXX XXXX 

Furthermore, I spoke with a Senior Customer Service representative who, while acknowledging my excellent payment history, claimed that the fault lay with me for not knowing the statement cut-off dates. Despite my arguments and pointing out the lack of notification on the website during payment initiation, he refused to refund the {$30.00} fee. 

My research has revealed two critical points : 1. The company policy, as outlined in the monthly statement, explicitly states that they can refund fees. 
2. Attached are transaction views from both my PC and XXXX  device, illustrating how Comenity Bank charges interest and accepts payments at the end of each payment cycle. The payment in question, similar to others, shows the collection of interest, application of my {$200.00} payment, but inexplicably includes a {$30.00} fee. 

In light of these findings, I am formally requesting the Consumer Financial Protection Bureau 's intervention to address this matter. I kindly request a thorough investigation into the unjust application of my payment and the refusal to refund the {$30.00} fee, as it contradicts the company 's stated policy. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will ensure a fair resolution in accordance with established regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After two weeks I continue to receive the INCORRECT CREDIT SCORE. A score which is NOT reported to lenders. This is a major financial impact because it misleads and DOES Not represent the entire story.bl frankly in my opinion by hundreds of reports filed this is a deliberate falsehood that continues to be propagated and allowed by you. You do Not even read XXXX on these complaints you merely immediately forward them to the agencies for THEIR UNRESOINSIVE REPLY. THEN CLOSE the report upon receipt doing NOTHING. It is indicative of who you truly are NOT who you claim to be. Here is the proof once again ... XXXX Learn more Experian Data XX/XX/2021 XXXX Fair XXXX See all 3 Bureau FICO Scores Credit Usage 97 % Total Debt {$160000.00} Open Accounts 6 Inquiries 70 ... yes and the inquiries mount and they will reply DUPLICATE ... OF COURSE -HUNDREDS FILLED UNTESOLVED. YES BY OPINION OF EXPERIENCE a great sham.
Product: Debt collection

Today, XX/XX/2019 I received a debt collection notice from XXXX XXXX XXXX. They claim I owe money from a company named Ginnys, which I had never heard from until today. When I tried to get information they just said called Ginnys. When I called Ginnys they said they couldnt tell me who placed the order, what was purchased, or where it was sent. Im very concerned that I have been fully sent to collections and have ruined my credit over an $ XXXX+ charge that is fraudulent. Im concerned that my social security number has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Bank Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than XXXX  years o 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: Prepaid card

My XXXX daughter received a {$100.00} gift card from XXXX for XXXX. When I removed the strip from the back of the card ( per XXXX instructions ) to reveal the gift card number and pin the sticker pulled off all the numbers. I phoned XXXX to discuss and was told I needed to email them proof of purchase and without a receipt there is nothing they can do and the value is lost. We were not provided with a receipt as it was a gift. When I pointed out that XXXX is selling faulty gift cards and pocketing the value they told me there is nothing they can do. There are many other numbers on the back of the card that they should use to track the card, but they refuse to assist and instead steal the funds. XXXX is familiar with this issue, knows it happens and is doing nothing to protect customers.
Product: Debt collection

I spoke to Debt Recover Solutions ( Collection Agency ) stating that  XXXX  has sold them my account which I owe &  XXXX . I explained to them the debt was already settled with   XXXX   and was removed from my credit file already before. But they insist I still owe the debt and trying to get my personal info. They are reporting to the credit agencies again and is affecting me from getting an apartment to live. Please assist.
Product: Debt collection

Hello ... 
This message is to file a complaint against XXXX XXXX and First Source debt collecting agency. My father, XXXX XXXX, dob : XX/XX/XXXX, applied for XXXX XXXX credit card. Unfortunately, my father passed away on XX/XX/XXXX. XXXX XXXX did not respect the fact that my father died and began to harass me and my family if we did not pay the company. One of the options was to take over my father 's account. Therefore, I decided to take over the account because I did not want any trouble. When I first took care of the account, I was making payments on time because I was working. However, I was a full time student and with the impacts of Covid19, my hours at my work decreased significantly. I am a single mother of a ten year old boy with XXXX. I take care of him and I also take care of my mother who is XXXX. Unfortunately, I do not make enough to take care of credit card payments, utility payments, insurance, all of the financial obligation that I have with my family. XXXX XXXX and First Source debt collecting agency continue to harass me despite the fact that I have informed them to stop calling me. They call me when I am at  work, they call me before XXXX and they call me from restricted numbers. Please help me to solve this matter. Thank you, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report shows about 15 missed payments on my vehicle however I still have the car and payments are current.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/ ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have had a credit card open with bank of america for XXXX years. It has been on auto pay from my checking account since day XXXX, and has been paid on time and in full every month for XXXX years. This past year they turned auto pay off without my knowledge or consent making the XX/XX/2024 payment late as well as XXXX 2024. I discovered it mid XXXX and contacted them. It's made my credit score go from XXXX points to XXXX points. I have worked very hard to get my score up to XXXX points. They are refusing to contact the credit reporting companies and change their reporting to them. I have proof it has alway been on auto pay as well as all my statements. I have spent XXXX + hours on the phone with them and XXXX hours in the local bank branch. The can't explain why the auto pay was turned off and said sometime the system will bump you off. They have my phone number, email address and physical home address and never contacted me about turning off auto pay or that the card was not paid and late in payment.
Product: Debt collection

Called cell phone XXXX. When asked who they were or who they were with would not respond only asking who i was. Called from number with unknown name. After hanging up called my work they were asked again who they were and would not respond. Asked not to call back. They called back asking to speak with owner of the company. Again they were notified that they were herassing and to not call back. They called again from different number on cell phone again not specifing who the were. Upon returning the numbers on the caller identification, both numbers came from Diversified Adjustment Services. Women calling was very pushy and not understanding that she was calling a place of business and if she did understand did not care. The phone numbers that had came through at the time were XXXX and XXXX
Product: Credit reporting or other personal consumer reports

When I went to check my consumer report I noticed There were accounts that I had no knowledge of the accounts were XXXX XXXX XXXX  and CREDIT COLLECTION SERVIC. I have never done any business with these companies.
Product: Credit card

XXXX to XX/XX/2024- I am being targeted by Best Buy Citi Credit Card to increase penalties on my credit account, sabotaging efforts to keep account in good standing. I am an elderly customer being discriminated by Citi for age and income status, damaging my credit accounts with other banks.

Within one month, my credit score dropped over XXXX points from XXXX to XXXX, disqualifying me from any financial transactions.

I have no late payments ( until this week ) because I pay on time, monthly, plus pay off promotional balances early.

Best Buy Citi is attempting to run up interests fees ( late fees, over limit, etc ), falsely claiming to mail statements only to drill down on XXXX agents to confirm no statements have been mailed to me since XX/XX/2024. Citi falsely claims they sent emails of statements, but finally admitted to using an archaic XXXX mail I rarely even log onto. 

Best Buy Citi closed my account without notifying me two months ago. I had no idea until Monday when I called repeatedly to have an agent tell me why my balance went to late payments and now considered over limit and late.

After numerous calls, speaking to numerous agents, demanding to know what they based late fees on, I was told they couldn't tell me and couldn't explain what XXXX XXXX was for. Told my monthly payments were used to pay late fees, plus over limit fees.

Now I am over limit accruing late fees on XXXX City Card. XXXX Citi has been posting my monthly payments toward late fees I knew nothing about, ( no statements since XX/XX/2024 ). Even now I continue calling in payments by phone for over a year, trusting CITI to process properly.

I only found out when I disputed a charge Citi kept submitting by autopay of XXXX XXXX to my checking account months ago. My bank researched charges and after finding unauthorized, returned amount to my checking account. I still have no idea what this charge is.

-Not receiving paper statements as instructed. Best Buy Citi Card claimed statements were being sent to me through mail, which was also false. Best Buy Citi finally admitted they had been using an old XXXX email, which I don't use for years. 

-Paid monthly payments on time through phone calls.

-Asked each agent transfered to, that I wanted Ombudsman contact info, but all refused stating they " didn't know what that is "
Product: Credit reporting

I was an XXXX for a company and 17 months after starting with them. They ran a credit report on me without telling me an without my authorization.
Product: Debt collection

I currently have an account with Net Credit and I was told that I was in collections due to a past due amount. However, in their system it says I made the payment on the due date, and I have records from the bank. I called the company and was told they would fix it, and the issue has never been resolved. They are adding XXXX statement fees which keeps me in the same debt. I pay XXXX a month for a XXXX loan and the balance is still XXXX. I have phone recordings of the agents saying I dont owe anything but yet their forcing me to pay more and saying if I dont get the issue fixed it could be reported to the credit burues. However, how am I able to fix a issue that wasnt created on my behalf.
Product: Checking or savings account

I own a small floral business from home, I make under XXXX a year. XXXX XXXX is my most busiest time of the year and the XXXX day out of the year that I sell the most which is why between the days of XXXX XXXX I was receiving many XXXX payments. My business account on XXXX XXXX XXXX XXXX I was told they need the numbers of all my customers to verify the payments but it just makes my business look very unprofessional which is why I dont want to provide that information. Also many of my customers are not okay with receiving those calls.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Equifax for their failure to respond to a dispute letter I mailed on XX/XX/year>, regarding inaccurate information on my credit report. The dispute letter was sent via XXXX certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. 
In my dispute, I contested the inaccurate reporting of derogatory items, specifically the bankruptcy that are reflected on my credit report. These bankruptcies are reported with discrepancies, including an incorrect court name, reference number, and filing date. Additionally, incorrect personal information is associated with these records. 
To verify my identity and ensure compliance with the Fair Credit Reporting Act ( FCRA ), I enclosed the following documents with my dispute letter : A copy of my driver 's license A copy of my Social Security card Proof of address Despite my compliance and good faith efforts to resolve these inaccuracies, Equifax has failed to respond to my dispute within the allowable time frame stipulated by the FCRA. As you are aware, the FCRA mandates that credit reporting agencies conduct a reasonable investigation within XXXX  days upon receiving a dispute. Equifax 's failure to respond is a direct violation of my consumer rights under the FCRA.