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

Contacted Bank of America credit card division that I was having trouble making my payment. Asked to speak to supervisors on each call ( six calls in total ) and all advised that if payment was made by statement cycle date of XX/XX/19 that account would not be reported 30 days derogatory to credit bureaus. Payment made on XX/XX/19 at XXXX central time and email confirmation received. Payment made via automated system and it states that payment will be made with posting date of XX/XX/19 but could take a few business days to reflect in balance. Manger phone call on XX/XX/19 left notes that state my concern about credit reporting and she said if payment made by the following day it would be okay. Manager notes on XX/XX/19 state that no negative credit reporting will be made. All five managers I spoke to advised if payment made by cycle date there would no negative credit reporting. Also XXXX statement does not even show transaction date of payment for XX/XX/2019 but Bank of America online account activity shows transaction date of XX/XX/19. Please honor what all have told me and please remove the 30 day derogatory mark from my credit report. Thank you.
Product: Credit card

The account is charged off with a past due balance that is different from the charged off amount. Not only is this inaccurate information, I was also never sent a 1099C form as required by law for the written off debt to be counted as income.This debt is considered a charge off however this is actually considered income because I should have received a 1099C in order to account for this. I'm requesting that this account be removed because it is income and income is nit included on credit reports
Product: Student loan

On XX/XX/XXXX, I logged into the Navient site and scheduled a payment of {$300.00} through their make a payment tab. The payment was later marked reversed on my list of transactions on Navient 's site. 

Today, XX/XX/XXXX, I was told by a representative of Navient that the XX/XX/XXXX payment was refused ( by my bank ) for " various reasons. '' I had checked with my bank on XX/XX/XXXX and they never received the XX/XX/XXXX request for payment from Navient. They have no record of it in my account, said the XXXX  XXXX XXXX representative. 

On XX/XX/XXXX, I set up an automatic payment from my checking account of {$500.00} through XXXX  XXXX XXXX XXXX automatic bill pay to Navient. I did this through XXXX. Today, this payment shows on the XXXX  XXXX XXXX site as having cleared, but then the XXXX XXXX XXXX representative looked closer and told me Navient had refused this XX/XX/XXXX payment on XX/XX/XXXX. 

On XX/XX/XXXX I spoke to a Navient representative on the phone who told me he would put in a ticket and look into my payments, which had not shown up in my Navient transactions online. 
When I talked to another representative from Navient on XX/XX/XXXX, I was told that " ticket '' was " double escalated '' but that I could not talk to the employee at Navient to whom it had been handed off. 

On XX/XX/XXXX I logged in to Navients site and set up a single payment to Navient from my XXXX  XXXX XXXX Checking account of {$10000.00}. 

On XX/XX/XXXX I checked the transactions on Navients site and saw that that {$10000.00} payment is listed as refused. 

On XX/XX/XXXX I called Navient and was told that if my payment of {$10000.00} went through, it wouldnt show on my transactions because it would be sent directly to the Department of Education and then, on some future date, be taken off of my loan amount without any transaction showing on the Navient site. It would be as if I never borrowed that amount. This same representative told me Navient is part of the Department of Education. I researched this claim online and found that Navient is a private institution and not part of the government. 

In summary, I have been trying to pay off my loan from Navient electronically in various ways. None of my attempted payments, either done through Navient 's site or XXXX  XXXX XXXX XXXX Bill Pay app has gone through. To date, no Navient representative that I spoke to on the phone has double-checked my XXXX XXXX XXXX account information.
Product: Credit reporting or other personal consumer reports

Discovering that I have been a victim of identity theft has been an incredibly upsetting experience. My personal information has been misused, resulting in unauthorized accounts and activities appearing on my credit reportaccounts I have no connection to or knowledge of. Recognizing the severity of this issue, I took immediate steps to address it. Following Experian 's guidance, I filed a report with the Federal Trade Commission ( FTC ) and submitted it as instructed to help resolve the matter. Unfortunately, despite these efforts, the fraudulent entries remain on my credit report. This ongoing situation has been both frustrating and alarming, as it continues to impact my financial stability and overall well-being.
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 
These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, XXXX XXXX
Product: Credit card or prepaid card

To Whom It May Concern : I am writing to complaint XXXX XXXX XXXX XXXX XXXX. 

I bought this card on XX/XX/2023 at XXXX XXXX, in XXXX at XXXX XXXX XXXX with a value of XXXX dollars. I kept this card with me, and I never left XXXX. I tried to use this card on XX/XX/2023, and the transaction was declined. I called the Vanilla customer support number at XXXX and set up a dispute case number of XXXX. 

I found out that this was used twice on XX/XX/2023 out of XXXX. The first time was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX with a transaction amount of {$350.00} and the second time was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX with a transaction amount of {$150.00}. Therefore, I lost all my gift card value within XXXX hours from out of the state transactions even I kept card with me and never travelled out of XXXX 

It is understandable criminals can easily steal such information nowadays. However, this is impossible to understand how Vanilla handles and solves this problem. I called many times and every time I was put on hold for more than XXXX XXXX before someone answered phone. They always told me that they will contact me within XXXX to XXXX hours or XXXX XXXX In facts, they never contacted me despite my phone calls and emails. 

I simply want them to send me a new card with the same value that I paid but it seems they are using a delaying method to keep their mistakes. 

Thank you for your help!
Product: Debt collection

I paid in full for a debt and when we first spoke they stated that pay in full the account will be deleted and now they are still reporting it credit bureau.
Product: Debt collection

This was a simple collection issue for our company, which was late with a vendor. Instead of emailing me to set up payments or discuss options, the agency in question obviously visited our website, picked up EVERY single email address on the page and sent a confidential email to EVERYONE in the company!! Bear in mind, this was the FIRST attempt by the company to contact us!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting in error on my credit report ; there are several accounts with incorrect status and accounts that did not belong to me. 

The following accounts have incorrect late status : XXXX XXXX - incorrectly reporting that I was late XXXX & XX/XX/XXXX and XXXX and XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX XXXX - incorrectly reporting that I was late XX/XX/XXXX, XXXX and XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX XXXX XXXX - incorrectly reporting that I was late XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX - incorrectly reporting that I was 90 and 120 late XX/XX/XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX - incorrectly reporting that I was 90, 120, & 150 late XX/XX/XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; The following is not my account : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ct I did not authorized the following inquiries : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting accuny # XXXX XXXX, XXXX XXXXXXXX, XXXX  XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states i have rights to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions
Product: Credit card or prepaid card

XXXX XXXXXXXX XXXX credit card company sent balance transfer check # XXXX to Capital One on XX/XX/22 at my request to pay a {$1300.00} balance as I could obtain a lower interest rate with XXXX  XXXX XXXX. Capital One deposited this check on XX/XX/22. The front of this check had my Capital One cc number so it could be deposited to my account. On XX/XX/22 XXXX XXXX did 2 payment adjustments to my account of {$1300.00} each plus interest stating they were returned check/phone payment making my balance balloon to {$2600.00} plus interest. 

I have a copy of the cleared check from the credit union showing Capital One deposited the check to Capital One acct. # XXXX on XXXX. I have a copy of the letter from XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, telephone # XXXX which states that ck # XXXX cleared on that date and Capital One needs to research to find to what account they applied it. Capital one states they can not find it. 

The case number Capital assigned to my case is XXXX and someone named XXXX XXXX employee # XXXX has been calling me frequently with a different explanation each time I speak with him. I have spoken to him at least twice a week since XX/XX/22 with no resolution. We have faxed a copy of the letter to the Capital One fax number given to us XXXX. As of tonight the {$1300.00} plus interest is still showing on my account. XXXX was able to have the duplicate {$1300.00} adjusted from my account but can still not tell me why the current {$1300.00} plus interest is still on my account. 

I currently owe Capital One approximately only {$200.00} for legitimate purchases and am afraid what they will do when I stop making payments for the {$1300.00} they were paid by the XXXX XXXX. I have tried to find a lawyer to help and was advised to contact you to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the THIRD complaint I've submitted via the CFPB about Equifax in less than two months. Why is Equifax allowed to be so sloppy in maintaining consumer data? 

I submitted a dispute form asking Equifax to update the balance on my XXXX XXXX account. Instead of asking the lender to verify the details, it reported the account as fraudulent. Once the lender determined the account was not fraudulent, the account was reopened, but I was issued a new account number. Equifax now reports TWO XXXX XXXX acounts on my report and the information reported is WRONG.
Product: Credit reporting or other personal consumer reports

I have login credentials for myEquifax, but whenever I attempt to freeze or unfreeze my credit online, I encounter the following error message : " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' This issue has persisted for over a year, forcing me to call Equifax each time I need to make changes. I have repeatedly reported the problem, and your representatives consistently claim to escalate the issue to IT for resolution. Despite these assurances, no progress has been made. 

Efforts to resolve the issue have included : Changing my username. 
Deleting and re-creating my account. 
Each time I call, I am placed on hold for over an hour to speak with a supervisor, only to receive no meaningful assistance or resolution. This lack of action is highly frustrating. 

Equifax advertises the ability to manage security freezes online as a free and federally regulated service, stating : " At Equifax, you can manage your freeze online with your username and password after creating a myEquifax account. Placing, lifting, and removing a security freeze is free. '' I should be able to freeze and unfreeze my credit independently online, just as I can with XXXX and XXXX. My issue is not related to inaccurate information on my credit file, as suggested in a recent letter I received from Equifax. The problem is that I can not manage my security freeze online and must rely on phone support, which is not typical or acceptable. 

I am requesting a prompt resolution to this issue so that I can use your online platform as intended. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXXDate of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE XXXX XXXX XXXX XX/XX/22 XXXX. We have disputed this account.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Accounts to be removed XXXX XXXX XXXX XXXX XXXX, High Balance : {$0.00}, Last Date Account was verified : XX/XX/XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$8500.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, High Balance : {$0.00}, Last Date Account was verified : XX/XX/XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$1600.00}, Last Date of Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, High Balance : {$0.00}, Last Date Account was verified : XX/XX/XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$1000.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, High Balance : {$9300.00}, Last Date Account was verified : XX/XX/XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$8300.00}, Last Date of Payment : XX/XX/XXXX Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 an individual impersonating another individual scammed me into sending an ACH payment of {$150.00} USD through PayPal Friends & Family. 

I have notified PayPal and they are investigating, but doing a lackluster job. 

Through personal research, I know this individual is named or uses the alias XXXX XXXX XXXX. I know he uses the email addresses XXXX, XXXX, and most recently XXXX in his scams. 

S/he also uses the online moniker @ XXXX. 

Thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of a fraudulent accounts from my credit report. I have filed a dispute, citing identity theft, and have contacted the bank associated with these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The bank has verified the authenticity of the identity theft report and recognized a potential system glitch hindering the access to records. They have guaranteed the prompt removal of the fraudulent accounts, which has been in existence for over 7 years. 

I demand that you remove this fraudulent accounts from my credit report as per the resolution agreed upon with the bank. Your prompt attention to this matter is essential.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called social security helpdesk because I was blocked from creating an online account to check my social security file. The reason I WAS TOLD WAS BECAUSE Equifax put a block on my credit file without my permission. I have contacted equifax and ask them to remove the block. I am filing this complaint because it is critical that I get my credit file released immediately. I am planning to apply for credit this week and it is critical for me to get the block removed.
Product: Payday loan, title loan, personal loan, or advance loan

I am XXXX XXXX XXXX and utilized this company to get a personal loan XX/XX/2022. I didnt know much about the XXXX XXXX how it applied back then but I was given a loan with an XXXX of % XXXX, just kissing % XXXX. I understand that there was a lawsuit with this company and wanted to validate if I was affected by it. I also currently have a loan with this company.
Product: Money transfer, virtual currency, or money service

Venmo has locked my assets {$5700.00} without explanation & won't release my funds that I need to pay bills.
Product: Credit card or prepaid card

XX/XX/2022 I bought a netspend card at XXXX XXXX because I needed to pay a bill and the customer service desk was closed and i couldnt load my own card! I loaded {$500.00} on the card and when I tried to activate it they said the card could not be activated and there was no way to recover funds from it! They stole {$500.00} from me
Product: Credit reporting or other personal consumer reports

am writing to dispute multiple " paid in full '' accounts on my credit report as I understand it, these accounts should not negatively impact my credit since it has been fully paid. As part of the agreement these paid items were agreed to be removed as paid in full. 
I'd like to bring your attention to the case XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX  XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. Reporting a " paid in full '' account as negative or derogatory creates such a misleading impression about my creditworthiness. Due to this XXXX has also broken 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX  AND XXXX ARE FALSELY REPORTING XXXX XXXX US DEPT OF ED. NOXXXX. ON XX/XX/2019 THIS ACCOUNT WAS PAID IN FULL NEVER LATE AND CLOSED BY CONSUMER. SEE ATTACHED.