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

XXXX XXXX appears on my report as a personal name used by me. I have no idea who she is or why her name appears on my report. Also I have never lived at XXXX XXXX XXXX which also appears on my account.
Product: Debt collection

NCB Management Services , Inc is attempting to collect a debt does not belong to me. They continue to send me information trying to verify debt i by a bank account number that is not mine, but also further no signature of mine on any documents. They continue to call and harass me about the debt, and I have asked them to discontinue calling me.
Product: Vehicle loan or lease

REFUSED TO REMOVE FRAUDELANT LOAN. POLICE REPORT WAS PROVIDED
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX, Transunion has been reporting Unaccurate Unupdated Information from an XXXX account by the department of education TransUnion has have been continuing to report and identify on my credit report these late payments and debt accounts to Transunion. They have not stated that this debt has been sold to another company. In addition, they are also reporting an extreme and hindering late history. I have continuously disputed this matter only to receive more errors on my report. I spoke to the other credit bureaus and they have updated the information on the report. May some one please assist me in having this issue resolved. I want only factual information reported on my report. My account opened XXXX XXXX and was closed on XXXX XXXX. I do not owe them any debt or have outstanding late payments to this company XXXX.
Product: Credit reporting or other personal consumer reports

I have been disputing my credit report with false information reported since the pandemic. XXXX did not investigate or remove the false reports. In station, my credit report just dropped XXXX points for a late payment recently that I have no idea what they are talking about. All my current accounts are paid on time. XXXX  continues to mess up my credit scores.
Product: Student loan

I became XXXX XXXX in the U.S. XXXX XX/XX/XXXX. 
As part of signing, I was promised $ XXXX ( before taxes ) via the Student Loan Repayment Program. 
On XX/XX/XXXX I emailed my loan servicer, Nelnet, at " XXXXXXXXXXXX '' with completed JASLRP ( Judge Advocate Student Loan Repayment Program ) forms for Nelnet to sign and forward, along with my promissory notes for loans, to the Pentagon for processing. 
On XX/XX/XXXX I received confirmation by Nelnet, via email, that my JASLRP forms were received and would be forwarded to the appropriate military office address within about one week. 
Sometime in XX/XX/XXXX I received a packet from Nelnet with a copy of my JASLRP forms and a letter stating that these forms were a copy for my records. Upon further review of the copied documents, I noticed that the loans I had identified to be paid off first ( those with higher interest and principle ) were edited so that lesser loans were identified to be paid off first. This is despite clear instructions that I included stating not to edit that information. 
On XX/XX/XXXX I was informed by the U.S. XXXX that my JASLRP forms were never received by the Pentagon. 
Later that day I phoned Nelnet to inquire about the status of my JASLRP forms. I was informed by a Nelnet representative that despite their policy that those forms were to be sent to the Pentagon, they instead did not send them.
As of the writing of this complaint, neither Nelnet, nor the U.S. XXXX has agreed to solve this issue satisfactorily.
Product: Credit card

RE : CARE CREDIT CARD, XXXX 2014 I had to have XXXX. dental work and the dentist office signed me up for a Care Credit Card for the {$8600.00}. bill. They said I would have no interest for a year promotion. To date I have paid $ XXXX balance and when I went to check statement, I found out that they accrued 12 months of interest for the entire year XXXXXXXXXXXX at 26.9 %! Putting my balance back up to {$8300.00}.!! I am shocked at this deception and of the {$3000.00}. I pd means nothing now. I read that there was a class action lawsuit about this, I called Care Credit and they were no help. I feel I have been unfairly taken advantage of and have no way to keep paying this dental debt as my pmts have increased as the entire balance back to near original amt! Please advise on how to get reimbursed via class action lawsuit. This was never explained to me, the dental girl said no interest for a year as a promotion special. I need advice quickly please.
Product: Checking or savings account

Wells Fargo for 21 years has charged me thousands of dollars in fees for which were not my responsibility and they continue to do this to me.
Product: Credit card or prepaid card

I received an offer over a phone call from American Express Credit Card agent, XXXX ( Employee ID number : XXXX ) on XX/XX/XXXX The offer is, I can get XXXX Amex Membership Rewards points if I add an authorized user and spend over {$500.00} within in 3 months. I met all requirements but have not received the MR points so far as advertised. I contacted the AMEX customer service and submitted complaints through chatting and phone numerous times. One of the  chatting reference number is XXXX. I even chatted with a supervisor onXX/XX/XXXX ( complain number : XXXX ) but It has been more than 8 weeks.
I never received any updates or response until I contacted and all agents keep saying generic answer that it will take 6-8 weeks.
Product: Credit reporting

I have asked EQUIFAX to delete this information and they continue to put it on take it off and I am fed up with the entire mess. They are supposed to do what I ask them I sent proof of the problem and they just keep putting this erroneous incorrect information on my credit report. It is also reporting XXXX XXXX, the Consumer pursuant to XXXX ( XXXX ) has asked to have them delete it and they have not done so as yet. I do not feel it is right for them to allow the unauthorized use of my credit from a DEBT COLLECTOR, without my permission nor my loan level documentation for the whole world to see. This is a violation as well it is called IDENTITY THEFT, PURSUANT TO XXXX, which is ridiculous. EQUIFAX has done this same ruthless thing for years and it has to stop. They are defaming my character and harming my well being when I want to obtain goods and services for my family, personal, and household use. I want this information to be DELETED, as the Consumer as asked. The Creditors also have not provided me with a written agreement which must be done. I do not know why DEBT COLLECTORS, feel as if I must go to work, give them money which is not theirs and put the Consumer in XXXX, just because they do not want to work. This is against the law and part of the XXXX XXXX XXXX XXXX talking about these XXXX CORPORATIONS thinking that something is owed to them when it is not. This has to stop, CEASE AND DESIST reporting this inaccurate erroneous information.
Product: Credit card or prepaid card

On XX/XX/22 while I was in XXXX, OR on a work trip I received text notification at XXXX that a charge for {$810.00} at a XXXX XXXX XXXX XXXX XXXX Washington had been made. I was at least 30-45 mins minimum with traffic away from the store at that time. I had just arrived at my hotel, so checked in and called to report it right away within 10-15 mins.

My card was not stolen, it was in my possession the entire day and at no time prior to that was it out of my possession. With exception to my stop for gas earlier that day when I handed it to the attendant ( No self serve in Oregon ) and he promptly returned it. Naturally the card was cancelled and a claim started.

Initially the charge was removed from my account the next day and then placed back on the same day. When I checked on it I was told because the transaction shows as a chip transaction which means the card has to be there in person for that to happen, they denied my claim.

Research and confirmation from various persons in law enforcement indicates that chips can indeed be mimicked to read that way. I filed a police report and reached out to the store to see about surveillance footage which the police retrieved for review and is detailed in the report received XX/XX/22. The report describes surveillance video footage of a white guy XXXX, I am a white female XXXX. Shortly after receiving it I called Capital One to find out how to send it along and get everything cleared up. They refused to accept the report as it didn't matter because like the times I reached out prior, the transaction reads as the chip/card being in the store, so that is it, nothing more to dispute. They apparently, conveniently refuse to acknowledge that chips can be mimicked. So they are sticking to that and seemingly there is nothing I can do. Which brings me here. I speculate that my card information was somehow captured at the gas station but its purely speculation. My hope in filing a complaint is that I can have the charge reversed. I appreciate you looking into this matter and hope it can be resolved easily.
Product: Debt collection

Acima credit XXXX  XXXX  on XX/XX/XXXX reported {$1600.00} balance on my credit report, dispute was filed yr XXXX on XX/XX/XXXX updates balance {$1500.00} and pass due amount {$1100.00} - Im requesting this debt collector to validate by original contract, signature and dollar amount change including personal information. Dispute with credit bureaus or by mail have not validated debt with documents of my signature or specifics of debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$9900.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent out a letter to the credit bureau Equifax asking them to investigate my account to make sure my account was 100 % accurate. They received my certified letter XX/XX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 is when I seen that my account status was updated.The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. This is grounds for removal. They violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604A section 2. States a consumer reporting agency can not furnish a account without my written instructions Another thing is they didnt use the time wisely to give a full investigation I have been trying to dispute many accounts with them for a while now and keep ending up with the same results. I still havent received my mailed updated credit report either as I asked in the letter regarding the investigation.
Product: Debt collection

This report unveils a harrowing journey that began with a seemingly innocent leak and evolved into a tumultuous debt collection ordeal, all unfolding at my unit XXXX. At the center of this narrative are the characters XXXX XXXX, former owner and occupant of XXXX, and XXXX XXXX, the property manager of XXXX XXXX. XXXX, who once sat on the board of directors for XXXX XXXX XXXX, reported leaks in his unit back in XXXX and XXXX of XXXX, setting the stage for a cascade of events. 

Despite my protests and the fact that my maintenance covered any potential leaks, the situation escalated. The ordeal reached its peak when I started receiving aggressive letters from Paragon Subrogation, a third-party debt collection agency, alleging I owed {$810.00} for damages to XXXX. A disputable claim, as evidence from a leak detection report proved that my unit was not responsible for any leaks. 

The troubling aspect emerged when XXXX XXXX, no longer on the board, returned, raising concerns about a recurrence of such issues without adequate safeguards. Furthermore, the complicity displayed by the property manager and the board of directors is alarming. Emails and letters were exchanged, but they insisted on my responsibility for the debt without ever inspecting my property. 

To elucidate the events leading to this predicament, on XX/XX/, I reported a toilet issue, leading to subsequent bills and assessments. Confusion arose as to whether the problem originated from my unit 's toilet or shower bench, with XXXX XXXX being indecisive. Paragon Subrogation 's claim, coupled with the threat of legal action, intensified the distress. 

In an attempt to resolve the matter, my insurance enlisted a leak detection technician who confirmed the absence of leaks from my unit. However, the issue persisted, culminating in a Final 10-day notice from Paragon Subrogation on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to pay the company many times. They sent me emails to the effect that I had paid and then I would call back and try to pay and they would keep take my information and run it as an e check. My bank does not take e checks. They kept telling me that they were putting it in correct and they didn't. Although I tried to pay they kept running it incorrectly. They the. Reported that i was not paying on my credit card dispite the fact I kept trying to pay them. My report reflects like I was not paying, but they were not running my card correctly.
Product: Credit card

I have opened a claim for an Extended Warranty Coverage Protection for my Chase Sapphire Reserve Credit card ( ending with XXXX ) via chase.com and received Claim number XXXX. 

XXXX. They delay processing and keep demanding extra doc one at a time with 1 week delay every time. 
XXXX. They offer phone number to ask any question. Once I call, they transfer to other department which never answers the phone. By never, I mean ( a ) it has a lengthy XXXX  menu ( b ) the menu itself is misleading and confusing ( c ) they keeps returning to the higher level menu, endlessly asking to enter full XXXX digit credit card number ( d ) the phone call often gets disconnected. 
XXXX. The latest document they ask me is to send the Repair Estimate, but I already and previously stated that there does not exist a repair center in the US hence I can not get the repair estimate. They still disregard it and keep asking me the repair estimate, making my trapped and not receiving the promised benefits. 
XXXX. They don't answer the phone as a result I can not get further clarification on this matter. 

All of these is a deceptive practice not to honor the credit card benefit they have promised.
Product: Payday loan, title loan, or personal loan

Tried to come up with a solution but they wo n't help they are charging over 400 % interest and the loan is getting no where and I ca n't afford the loan anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion via telephone, and disclosed to representative that I was a victim of their inquiry issue.They were unable to resolve my issues.The following are inquiries appearing on my credit report, that I did not authorize. 

XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash 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 fraud transfer act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It should not take 60 days, as reported by TransUnion, to correct my true Credit Card balances when any increase is reflected in a matter of days. This is excessive and completely unacceptable.
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please Help me delete these illegal accounts from my Equifax credit reports.
Product: Debt collection

Im writing to share a serious concern regarding our familys interaction with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX In summary, a billing dispute has now escalated to the point of harassment, and we are asking for your help to resolve this matter. 

Please allow me to share the fact pattern for this issue : -Our son was born at the XXXX XXXX XXXX XXXX XX/XX/XXXX. 
-The birth is a fully covered cost. Our insurance coverage is through XXXX XXXX XXXX, and our healthcare coordinator is XXXX. We have a confirmed EoB [ Evidence of Benefits ] from XXXX stating that this is a covered cost. 
XXXX XXXX XXXX has communicated that this claim has been paid in full. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has been unable to identify the payment. As such, weve been contacted by the XXXX XXXX billing department on several occasions [ dates listed below ] stating that the invoice status for XXXX birth is unpaid and has now gone into a formal collection process. 
-To trace the payment, XXXX has communicated to XXXX XXXX XXXX XXXX XXXX must initiate a request to the local XXXX office to research and find the payment that was made. When weve communicated this requirement to XXXX XXXX, the response has been, Thats not my job. 

Neither XXXX, in its role as the healthcare coordinator, nor we [ the covered parties ] can initiate a check trace as we are not parties to the financial transaction between the payor [ XXXX ], and XXXX XXXX, the payee. 

Weve worked diligently to resolve this matter with XXXX XXXX but unfortunately have been unable to come to a resolution. As mentioned, the tone of the conversation has now been raised to the level of harassment, and this is now unacceptable. 

XXXX XXXX is currently requesting payment of {$380000.00}. Please note that there have been several iterations from XXXX XXXX requesting different amounts. 

Dates of communication : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Attached with this submission are : 1. The EoB [ Evidence of Benefits ] from XXXX stating that this is a covered cost and the payment for this claim has been made. Please note that they payment made is equal to the negotiated rate between XXXX [ our insurer and the payor ] and XXXX XXXX [ the payee ], and is not equal to the amount in the collection 's notice. 

2. The collections notice
Product: Debt collection

On XX/XX/XXXX I sent a check to XXXX XXXX in the amount of {$780.00}. The XXXX office redeemed my check electronically. Then, they deposited the paper check into their account, resulting in a duplicate charge for the same check. On XX/XX/XXXX I discovered the duplicate charge and disputed it through my bank. On XX/XX/XXXX the bank concluded its investigation and permanently credited my account the amount of the duplicate charge, {$780.00}. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX demanding payment for the duplicate check that had already been disputed and resolved. I opened a complaint with the XXXX XXXX XXXX on XX/XX/XXXX against XXXX XXXX with instructions to cease and desist sending threatening letters from their collection agency for a debt I do not owe. I also sent a note to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a copy of the notice from my bank that their investigation had been concluded in my favor. In my note, I stated that I do not owe this money and that I expected the matter to be concluded. 

On XX/XX/XXXX I received a response through the XXXX XXXX XXXX from XXXX XXXX. They state they did not forward this account to collections and that my account has a XXXX   balance. 

On XX/XX/XXXX I received a second letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX demanding payment. 

Either this is outright fraud or widespread incompetence. Either way, I do not owe this money. I expect XXXX XXXX XXXX XXXX  XXXX to cease and desist sending letters and to refrain from any negative reporting to credit agencies. I do not owe this debt.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX has several different names reporting on the consumer report as well as unauthorized soft inquires and accounts i have sent letters to all parties requesting valid contracts with my signature as well as 1099c for verified accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR CONTACT INFORMATION : NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX This account has been closed with the state of New York for several years. The account was finalized in the state of New Hampshire. The account starts XXXX XXXX. However, the state of New York has a standing policy that all paid child support matters bring an automatic deletion on credit bureaus. Accordingly, this account has no standing on my credit report, and it was not even on my credit bureau until XXXX 2018, when it mysteriously appeared on my credit bureau. Now after extensive research I have proved that there was no collection action in the state of New York. Accordingly, this negative item appearing on my Experian report is erroneous and should be deleted permanently. '' DELETE THIS ITEM PERMANENTLY!!!
Product: Vehicle loan or lease

I financed a new vehicle in XXXX of 2021 through the dealer where BBVA underwrote and issued the loan to purchase the car. A BBVA Compass bill arrived in early XXXX for a normal payment of {$560.00} due on XX/XX/2021. The payoff quoted on that bill was {$36000.00}. I set up a payment from my bank XXXX XXXX XXXX to arrive on XX/XX/2021 for the full payoff amount : {$36000.00}. It arrived at XXXX on this date. XXXX did not " cash '' the check until the XX/XX/2021. XXXX then " returned '' the check on XX/XX/2021 for an undisclosed reason ( there were more than enough funds to satisfy the check ). On XX/XX/2021, I called XXXX to see what the issue was, and they stated that the payoff was not enough, so they did not honor the check. On XX/XX/2021, XXXX has called me attempting to " collect '' the outstanding payment for amounts owed from?????. There are no amounts owed according to the contract in place and the title is not being released. I am concerned that this will negatively affect my credit as they state I have a payment that is past due when the loan was paid in full Before the due date.