23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After I left XXXX  and moved to XXXX, XXXX XXXX XXXX  ( a property management company ) charged me {$1500.00} for damages to a unit. The XXXXXXXX XXXX XXXX company kept my deposit and my roommates ( {$600.00} each ), additionally charged her hundreds of dollars, and then charged me XXXX. As a new teacher in a new state ( XXXX  ) I had no way of fighting this. The debt went to XXXX and has been negatively affecting me for three years. I am actively improving my credit but refuse to pay this exorbitant, baseless, price gouging. XXXX has refused to re-send me information related to this debt twice. I have tried to dispute the debt several times. In my opinion they owe me for the years of negative impact on my credit. The agent I spoke with, XXXX XXXX, refused to send any information on the debt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX XXXX XXXX  : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX  : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

Company/Date- XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Company/Date- XXXX XXXX XXXX XX/XX/XXXX Company/Date- XXXX XXXX XXXX XXXX XX/XX/XXXX Company/ Date - Global Lending Services XX/XX/XXXX Company /DateXXXX XXXX XXXX XX/XX/XXXX Company/DateXXXX XXXX XXXX XXXXXX/XX/XXXX Company/ Date XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Company/Date - XXXX XXXX XXXX XX/XX/XXXX The companys listed above I noticed unauthorized inquiries on my credit report .
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize nor consent to the following inquiries being furnished on my consumer report. XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Loan Companies XX/XX/XXXX XXXX This is a violation to all 3 credit report agencies XXXX, equifax, and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX phone : XXXX date : XX/XX/year> ssn : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Credit Reporting Errors Dear CFPB, I am filing a formal complaint against the reporting practices of TransUnion, XXXX XXXX and XXXX regarding the following inaccuracies on my credit reports : Accounts in Question 1. XXXX XXXX XXXX Incorrect charge-off status and balance discrepancies. 

Requested documentation and validation of debt not provided. 

2. XXXX XXXX XXXX Unverifiable collection account reported without proper validation. 

These errors violate federal laws designed to protect consumers : FCRA Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must verify disputed information within 30 days.

FDCPA Sections 807 & 809 ( 15 U.S.C. 1692e & 1692g ) : Debt collectors are required to provide debt validation and avoid deceptive reporting practices.

I request the CFPB to investigate these violations and ensure the credit bureaus comply with their legal obligations. These inaccuracies have caused undue harm to my financial well-being, and I seek timely resolution.

Thank you for your assistance. Please let me know if additional information is required. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I went to my local XXXX to load some money on my XXXX XXXX card for an online purchase. I would like to note that Ive done this countless times and never had a problem. I asked the cashier to load {$90.00} to my card and I was charged a {$4.00} service fee. The cashier took my money and I received a receipt for the transaction which shows the last 4 digits of my card as the card the money was loaded to. The money never showed up in my account. I have contacted XXXX XXXX more times than I can count and they keep telling me I need to wait longer for the issue to be resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against US Department of Education for Reporting Inaccurate Late Payments on XXXX XXXX To Whom It May Concern, This complaint is filed in regard to the unlawful and inaccurate reporting practices by the US Department of Education ( US DEPT ED ) on my consumer credit report, specifically involving my XXXX XXXX accounts. Despite my initial dispute filed on XX/XX/XXXX, the inaccuracies remain unresolved, causing continued harm and distress. 
The following violations have occurred in relation to this reporting : XXXX. Inaccurate Reporting of Late Payments : The sXXXX XXXX  accounts were incorrectly reported with late payments during a period when the accounts were in deferment status, as documented and verified by the US Department of Education ( documentation available upon request ). The accounts should reflect a current status with no late payments. Specifically, the following dates have been inaccurately reported as late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. Violation of Privacy and Unauthorized Reporting Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting these accounts with incorrect late payments without my consent constitutes a violation of my rights. 
3. Failure to Maintain Accurate Reporting Under 15 USC 1681e ( b ), credit reporting agencies are required to maintain accurate and complete consumer files. By continuing to report these inaccuracies after my first dispute, the credit bureaus have failed in their obligations. 
Summary of Errors and Discrepancies : The errors include late payments being reported for months when the accounts were in deferment. Specifically, there are instances of 90- and 120-day late payments listed on my credit reports for XXXX and Experian XXXX despite the loans being in deferment as verified by the US Department of Education . These discrepancies have severely impacted my credit score and financial reputation.

Requested Action : Given the severity of these violations and the documented deferment status of my loans, I am formally requesting the immediate correction of these accounts from my consumer reports within 10 calendar days from the receipt of this complaint. The requested corrections include removing all late payments and ensuring the accounts reflect a current status with no delinquencies. Failure to resolve this matter will result in further escalation. 
These inaccuracies have caused significant emotional distress and damage to my creditworthiness. I demand immediate corrective action to prevent further harm. I am prepared to provide additional documentation if needed. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I am being charged interest on my bilt credit card despite having paid off the statement balance in full. I will point out that the payment window in the bilt app is highly non-standard and only allows for XXXX very limited types of payment. Despite this, I selected the option to pay off my entire statement balance and am incorrectly being charged interest on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like these accounts to be verified with acceptable proof that these accounts listed are indeed mines. If this proof can not be supplied, please remove these accounts. 

I would also like to receive the docs that were used to verify these accounts. 



I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : Medical Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is duplicating an account for a student loan. The loan was sent to Navient and I am dealing with them. The school committed fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a low income loan to obtain a city habitat low income cooperative. I was denied because the credit bureaus refused to fix my credit. False reporting of seven credit cards in 2017. Remarks of delinquency and derogatory charge offs and late payments remain on credit too long over seven years almost twenty years. I lost the only benefit of housing opportunity that will remove my homeless status in society. These credit bureaus are inefficient and unable to report accurately cause detrimental destruction in individual persons lives.
Product: Credit reporting or other personal consumer reports

Each time customer or consumer made Applications the derogatory public records or collection reporting from companies. Things like too many accounts with balances, serious delinquency are inaccuracies!
Product: Credit card or prepaid card

Hi, I lost my American express card ending with XXXX on XX/XX/XXXX. I reported the same to bank within 2 hours and they said they have blocked the old card and dispatched the new card to me. I got the new card on XX/XX/XXXX and i activated on the same day. 
On XXXX I realized that there has been three transactions made on my blocked credit card to buy something on XXXX. 
I notified the same to American express and they said no worries everything will be taken care of. But on XX/XX/XXXX one of the charge went through and i got email from American express that they have rejected my dispute request and i am responsible for those charges. 

I am still not sure, as a customer I have asked them to blocked the card and they confirmed me the same but still the person who found my card is able to make purchase with that card. 
I filled the police complaints and Notify the XXXX also about this. XXXX was able to cancel 1 order and notified 2 different 3p sellers to cancel the same I don't understand how Amex handles customers data and security. Still I don't have any answers from American express!! Amex were not even of any help in the whole issue which was created by them.
Product: Checking or savings account

THIS IS WHAT I WROTE TO CITI BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL MY MONEY IS IN CITI BANK I CALLES XXXX  SAID IRS HAS TO CALL THEM TO VERIFY THE TREASURY CHECK r Account Response Team at Citi, I am writing to you today with an overwhelming sense of desperation, frustration, and deep distress. My previous attempts to address the ongoing issues with my account have been met with a shocking lack of concern from your institution. It is with a heavy heart that I must convey the severity of the situation as a mother with no access to money, facing severe financial hardship. 

On XX/XX/XXXX, I made a deposit of {$24000.00} from my Internal Revenue refund, money intended to cover urgent expenses and provide essential support for my family. To my utter dismay, you have chosen to freeze my account without providing any valid explanation or any semblance of empathy for my dire circumstances. This callous action has left me in a state of complete hopelessness, struggling to provide for my children and meet even their basic needs. 

I implore you to immediately and unconditionally unfreeze my account, releasing the funds that rightfully belong to me. It is unconscionable that in a time of great need, your institution would act in a manner that only exacerbates the dire situation we find ourselves in. 

I demand an urgent response, accompanied by a thorough explanation for the freezing of my account and a concrete plan for resolving this issue promptly. Additionally, I expect appropriate compensation for the severe financial hardship, emotional distress, and the toll this situation has taken on my family. Without access to funds, I am unable to provide even the most essential necessities for my children 's well-being and upbringing. 

This is not a situation that can be taken lightly or ignored. As a responsible financial institution, it is your duty to prioritize the needs of your customers and exhibit compassion and understanding. The gravity of the situation should not be underestimated. Every day that passes further contributes to our mounting difficulties and distress. 

If immediate action is not taken to resolve this matter, I will have no choice but to escalate my grievances to the highest authorities, including regulatory bodies, consumer protection agencies, and local media outlets. I will not let the plight of myself and my children go unnoticed or unaddressed. 

I sincerely hope that you will recognize the urgency and severity of this situation. I plead with you to put yourself in my shoes, as a desperate mother left without resources to care for her children, and take the necessary steps to offer a swift resolution.
Product: Student loan

I have two student loans with payments being handled by American Education Services. Both loans are owned by XXXX XXXX XXXX XXXX XXXX and guaranteed by XXXX. I believe my account balances have been incorrectly calculated over the years, and I 'm not even confident that XXXX  and AES have the proper paperwork to still be collecting my payments. 

Both of my loans were disbursed in XX/XX/XXXX ; both are " standard variable '' interest rate types, and both are non-subsidized, private loans. 
AES was capitalizing interest on my loans every few months from XX/XX/XXXX. 

The two loans COMBINED had an ORIGINAL balance of {$39000.00}. 
My CURRENT balance for the two loans combined is {$40000.00} -- - more than the amount I borrowed despite the fact that, to date, I have PAID a total of {$52000.00}. 
( {$26000.00} to principal and {$25000.00} to interest and {$210.00} in fees ) Both loans have expected payoff dates of XXXX. 

I know XXXX and XXXX have been under scrutiny recently for their record-keeping practices. I have no issue with repaying what I borrowed plus some interest, but something does n't seem right when I 'll end up paying over {$92000.00} on loans that were less than {$40000.00}.
Product: Credit reporting or other personal consumer reports

disputed collection accounts on my Experian report, and supplied so much documentation to prove the accounts were inaccurate and Experian chose to not conduct a proper investigation and leave these inaccurate accounts on my consumers report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, So I have a collection agency XXXX XXXX and Transunion refusing to remove a collection on my record that is not mine. All other reporting agencies have removed this fraudulent collection. Transunion is still illegally trying to collect from me. I live in a state with another with a similar name, XXXX XXXX. I looked further into this and the account looks to be owed in full by a XXXX XXXX. I did not live in this home. I have never received any type of notice that a collection was being placed or needed to be paid. I found out about this by looking at credit karma. I have tried to resolve this with both Transunion and XXXX XXXX. But they refuse to listen or look further into it. This collection is not mine and is the reason I am currently homeless and unable to purchase or rent a home. I can provide a lease to show I was not living in this home at this time.
Product: Credit reporting or other personal consumer reports

I noticed that on XX/XX/2023 I had an inquiry from XXXX XXXX, I also have inquiries from Yamaha as well that I did not Inquire, also a open XXXX acct that I was contacted by debt collectors for.
Product: Credit reporting or other personal consumer reports

Charge offs are considered income and should not be reported on my credit report according to 15 USC 1681 ( 2 ) and IRS publication 4681. Income is a form of certificate of indebtedness.The IRS treats the forgiven debt as income. You are in violation of the FCRA. Please change all charged off accounts to paid as agreed.
Product: Debt collection

I XX/XX/XXXX, I mailed a written letter in a certified mailed receipt with signature requesting requesting a debit verification to National Credit System. As of XX/XX/XXXX National Credit System has not response. I just receive a XXXX notice from National Credit System stated that I have not reach out to them threatening to report on my and my son XXXX XXXX credit report. I had file a complaint to the Attorney General office regarding this issue. 

I have the proof and tracking from United State Postal Service. 

National System INC has violation the FDCPA for debt collector to refuse to send a validation notice or fail to respond to my verification letter. 

I am having issue attaching it to this compliant but i emailed to whomever is handling this matter
Product: Credit card or prepaid card

My Discover credit card has been a dormant account for years. However starting XX/XX/XXXX there were two {$4.00} charges for a magazine subscription. The autopay options was on, and payment method linked was a checking account, which has been closed. Since the checking account that supposed to pay the balance was closed. The bill of {$4.00} was not paid. 

However, DiscoverCard didn't send me any notification or alerts, which indicating the bill was not paid, account information expired or what so ever. 

On XX/XX/XXXX, DiscoverCard sent the first email saying two payments have been missed. This is the first time I have realized that the bill was not paid, which has been almost three months after Discover firstly identified the payment was not successful. 

By calling DIscoverCard to update my payment information, I have learnt the two missed payments have been reported by Discover to credit bureaus as late payment. 

I hereby demand DiscoverCard to reverse their late payment reports to credit bureaus, since there was no formal notifications or alerts from DiscoverCard prior to its report to credit agencies.
Product: Credit card or prepaid card

I paid this card with payment arrangement and settlement with the credit card company and I was offer if i made 4 payments in the amount of XXXX my account will be close and remove from my credit report. It been 2 years since i paid off the account, I tried to disputed in my credit reports and no change has made. Can you please help me with this.