23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I filed complaints on TransUnion , LLC, to the Bureau of Consumer Financial Protection, because of the way TransUnion , LLC was handling my files and disputes. Ever since I have notified the Bureau of Consumer Financial Protection, they have placed my credit file in a specialty unit and have blocked my file from all of the other departments within TransUnion , LLC. However, this specialy unit as the representatives refer to it, states they will need to handle my request or concerns when I call, and they always transfers me to this specialty unit. However, I never reach a live person. A lady named XXXX called me back while I was on the phone with someone, and left me a message. However, she never left her last name, therefore, when I went to return the phone call she was not accessible, because you need the persons last name to access their extention. The lady named XXXX, left me a message stating that she is unable to remove my inquiries, which was one of the concerns I had regarding my credit file with TransUnion , LLC. I have disputed all inquires listed on my TransUnion , LLC credit file with each party/company listed, and I even sent a certified letter to TransUnion. However, they have never taken action to resolve this dispute. However, each company said they would remove the inquiry with all three credit bureaus, because they were unable to provide me valid proof baring my signature that I authorized the entry. However, TransUnion , LLC has still refused to remove the inquires with the permission of all the companies. All of the invalid inquires have been removed by the other two credit bureaus except, TransUnion , LLC. 

TransUnion , LLC has also refused to allow me to dispute any other entries on my credit file, because they have blocked my account from viewing by other TransUnion , LLC employees, therefore, I am unable to have access to my credit file to dispute any inaccurate information. I can not reach the TransUnion , LLC specialty department, because each representative that I do speak to states that there is only an extension number that they can send my call to, and then when you get transferred you end up getting a voice machine, where you have to leave a message, and hope that someone calls you back.
Product: Debt collection

I made several attempts to correct this matter with XXXX. I called and wrote email. I was told on several occasions that XXXX do n't make adjustment customer bills. The service was not working but I was still billed. I was charged for equipment that I had returned. I wrote several letter to corporate and never received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Consumer Center XXXX XXXX. XXXX XXXX XXXX, GA XXXX Customer # XXXX Case Number # XXXX Requested my credit report and they sent me a link and " pin number ''. The pin number does not work and I tried ten times, even used lower caps. This same thing happen four years ago with LexisNexis, stonewall the consume. I called the customer service person she was unable to help and seemed befuddled. The letter was dated XX/XX/2021 and stated the pin was only good for thirty days. That was not the truth, same thing happened four years ago. I found out that they incorrectly stated I had three outstanding auto loans to XXXX and that I was a credit risk. So until I was able to get them to correct their lies, I paid a higher insurance rate.
Product: Credit reporting or other personal consumer reports

I am working with an attorney regarding identity theft. They instructed me to obtain an adverse action letter for the suit. They recommended getting it from the most recent inquiry into my credit, which was performed by New American Funding. Upon requesting said letter, New American Funding stated that they were not obligated to do so since the inquiry did not result in lending. My attorney stated otherwise and recommended filing a complaint with the CFPB and state attorney. That is what I am trying to do.
Product: Credit reporting or other personal consumer reports

This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 ) Misrepresented credit consequences of falling behind on a loan Illegally froze members access to their accounts
Product: Debt collection

I had an account with SLS under account number # XXXX which was a secured credit line for my home. This account was transferred from XXXX XXXX to XXXX on XXXX, 2013. This loan had a maturity date of XXXX, 2013 and during the month of XXXX, 2013, I called my lender and asked for a loan modification in order to extend the maturity date. I was told that it would be a simple process and kept making payments beyond the maturity date ( checks were accepted by SLS and cashed until XXXX, 2013 ). I was not told that the loan modification would take one year, that I would be reported late, and instead, I was told to continue making payments after XXXX, 2013. On XXXX, 2013, however, SLS stopped accepting my payments and they started to report me as late until they completed their loan modification process. They were slow, negligent and mishandled the loan application process to my detriment. They extended the loan maturity date of XXXX, 2013 by continuing to accept my payments and should not have reported me late to the credit bureaus. I am requesting that they remove all derogatory remarks from my credit report, given that I relied on their statements, I continued to make payments beyond the maturity date, as agreed, I was not told I would be reported late if I went through the loan modification process, and they took 12 months to process the extension, which was eventually granted, but by then I lost my home, since I was not able to refinance due to their negative credit reporting.
Product: Payday loan, title loan, personal loan, or advance loan

I began dealing with XXXX XXXX about my past due account in XXXX. A settlement was supposed to be reached and was not. I was able to speak with a XXXX in the home office back in XXXX who advised me to make a payment for my account for it to not close in XXXX. I did that and they closed my account. I spoke with someone in XXXX and the account was reopened and I made another monthly payment in XXXX. The account was then closed again and charged off. I was not made aware of this since i thought the account was open since I was making my minimum monthly payment. I called in mid XXXX to speak with XXXX regarding my account and she advised me of a settlement and said she would call back and never did. I went to make a payment XX/XX/XXXX and discovered the account was charged off and closed. I called the home office spoke with XXXX who transferred me to XXXX XXXX who was supposed to give me a call back on XX/XX/year> and never did. As of XXXX I have attempted to contact her and not recieved a call back. This company closed my account even though I have continued to make monthly payments on my account. I would like the account reopened and to have my credit report corrected as I was making the minimum monthly and have attempted to contact people in the company who have not responded to me.
Product: Credit reporting or other personal consumer reports

15 USC 1662b Timing of payments, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

- As a consumer, I am requesting original documented proofs from your company, to reflect thus consumer was late or did not make the payments? Did each creditor have reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title mailed or delivered to the consumer not later than 21 days before the payment due date?

Accounts with Adverse Information XXXX XXXX XXXX XXXX$740.00} XX/XX/XXXXXXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX {$510.00} I XXXX XXXX, the consumer , and living being, demand that all accounts and credits be positively adjusted with no harm and the consumer credit allowed to be extended should these documents not be able to be produced.
Product: Debt collection

ARS Account Resolution is reporting invalid information to my credit report. I have asked for Verification of the following accounts XXXX XXXX XXXX and have yet to receive it
Product: Credit reporting or other personal consumer reports

I am experiencing a severe issue with my Equifax credit report, where my score has plummeted from XXXX to just XXXX, with no prior correspondence or explanation from Equifax. 

I am in the middle of applying for a home mortgage. As of XX/XX/XXXX, my Equifax score was XXXX. After a hard inquiry on XX/XX/XXXX, it dropped slightly to XXXX, and additional inquiries on XX/XX/XXXX and XXXX had no further impact. However, on XX/XX/XXXX, a bank I applied with informed me that my Equifax credit request had failed. Checking XXXX XXXX on XX/XX/XXXX, I saw that my score had inexplicably dropped by XXXX points, leaving me with a score of only XXXX. 

Today, XX/XX/XXXX, I contacted Equifax, speaking with four different agents who claimed that there was no record of any bank or credit account in my name and that no credit information could be found associated with me. Despite me conveying my recent healthy score and willingness to share evidence, the agents refused to provide an explanation or any immediate solution. Furthermore, when I attempted to raise a dispute on XXXX platform, I found that the dispute option for my account was disabled ( Screenshot No. 5 ), and agents refused to reopen it and gave no rationale. 

Equifax has instructed me to send a copy of my SSN and drivers license by mail to their office, a process that Equifax Agents claim will take at least 7 business days upon receipt of documents. This delay will prevent me from proceeding with my mortgage application, causing serious financial and emotional distress and risking the loss of our long-awaited opportunity to purchase a home we have been pursuing for over six months. 

I respectfully request urgent assistance from the CFPB to resolve this issue with Equifax as soon as possible. 

Attaching Screenshots for : 1. Credit Report on XX/XX/XXXX ( Source XXXX XXXX  XXXX XXXX  ) 2. Successful Hard Inquiries XX/XX/XXXX & XXXX ( Source XXXX XXXX XXXX XXXX ) 3. Rating History from XX/XX/XXXX to XX/XX/XXXX ( Source XXXX XXXX XXXX XXXX ) 4. Current Equifax Credit Report ( Source my Equifax web portal ) 5. Disable Dispute option ( Source my Equifax web portal ) All screenshots taken on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : I DO NOT OWE BBVA BANK NOR XXXX XXXX XXXX XXXX. BBVA BANK IS IN VIOLATION OF 15 USC 1692e ( FAIR DEBT AND COLLECTION ACT ), VIOLATED REGULATION E ( PLEASE READ ), AND COMPROMISED MY PRIVATE AND PRIVILEGED IDENTIFIERS.

( 1 ) REQUESTING RE-REVERSAL OF PERMANENT CREDIT ( XXXX ) FOR {$58.00} ; THUS, CREDITING THE BBVA CHECKING ACCOUNT {$58.00}.

( 2 ) REQUESTING BBVA REMOVE THE EXTENDED OVERDRAFT SERVICE FEE CHARGE OF {$23.00}.

( 3 ) DEMANDING REFUND OF {$6.00} WITH ACCRUING INTEREST ENDORSED TO XXXX XXXX XXXX. WITH CLOSURE OF BBVA CHECKING AND SAVINGS ACCOUNT IN GOOD STANDING AND REMOVAL FROM ANY DEBT COLLECTORS.

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX LA XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1500.00} XXXX XXXX Balance : {$0.00} If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I have received repeated calls from " TransWorld Systems at XXXX and XXXX regarding a debt owed to a local public college. 

Every time, I inform the person calling that they are contacting me on my cell phone at an inappropriate time. I have asked every time for them to cease and desist calling me, and to send me correspondence via the mail confirming who they are, information about the debt, etc. 

They outright refuse to do so and continue to call me - and speak rudely and unprofessionally over the phone. Even after I explain that I have instructed them multiple times to stop communicating with me over the phone and send me correspondence to my address, they continue to try to ask questions over the phone. 

This company, TransWorld Systems, should be fined and ordered to end these practices immediately. 

Companies that harass consumers and use unfair or illegal practices to collect a debt should be forced to compensate the aggrieved consumer in the amount of the debt they are attempting to collect as a penalty and deterrent against this practice.
Product: Debt collection

I have tried to resolve debit with Sterling Jewelers by requesting information to prove debit. 
1st issue, I requested Singed contract. No less than 4 times, none returned. 


XX/XX/2018 letter sent stated acct Sold. 
I feel they have acted in poor faith by selling account to XXXX XXXX, XXXX and not providing requested info.
Product: Checking or savings account

Been a 1stBank customer since 2017. In the beginning, everything was great. Then they closed my account due to overdraft over 30 days but it had only been 22 days and I advised the teller and bank manager of this- XXXX is the absolute XXXX  person in the history of 1stBank and since they arent even following what they promise, I have also reported this event to the Attorney General of Arizona XXXX Colorado and the CFPB XXXX I am pursuing every single option I can to have this resolved.
Product: Student loan

I have a student loan with Nelnet. On XX/XX/2023 I logged into the Nelnet to verify how much I owed for my student loan, which was {$2500.00}. I served two terms with XXXX and received an education XXXX that can be used to pay off student loans. I logged into the XXXX portal and requested the exact amount of the student loan be dispersed to Nelnet ( {$2500.00} ). According to XXXX, this payment was deducted from my education award and was accepted by Nelnet on XX/XX/2023. As of this date, Nelnet is still charging me interest and says they have no record of my payment. They said their system shows no record and they can not do anything to assist me with the interest that is accruing, nor can they assist me with the payment deadline. I am worried that they still will not have located my payment by the due date and it will adversely impact my credit. I have spoken to Nelnet XXXX different times and tried to speak to the solutions center only to be told they can not find my payment but to keep waiting. They said if they locate the payment they XXXX backdate it but can not guarantee it. I am scared of being penalized because Nelnet has lost my payment. The amount has already been deducted from my XXXX account.
Product: Checking or savings account

After paying closer attention to my account, I have noticed Overdraft fees in this year alone, over {$200.00}. These fees are {$34.00} and sometimes added to an NSF fee. The NSF fee I am aware of what causes me to incur and so if I am able to, I know how to avoid them. However, the Overdraft Fee was never explained to me. I was originally a XXXX customer, which was bought by Citi, so that could be why- but I know that the Overdraft fee was never explained to me. When looking at my account, there have been instances when I was not negative at the end of the day, but still incurred the fee. When I have called to question it, I have been given different explanations. After receiving 3 back to back, I called again about 2 weeks ago and spoke with XXXX in Retail Banking. When I asked him why I was never explained about the Overdraft fees, he said the bank would not explain t to a new customer- only if the customer asks about it. In the past I have had a few NSF or OD fees reversed as courtesy or because the bank ATM wasn't working etc. However, I am upset that the OD fees have never been clearly explained.
Product: Debt collection

When my daughter moved out of the apartment complex ( XXXX XXXX XXXX in XXXX XXXX, we paid what was due according to the move out statement, less {$300.00} cleaning fee, which we were disputing. We never received any response to our letter describing the dispute, and the check was cashed by the apartment complex in XX/XX/XXXX. In XX/XX/XXXX, we received a call from a debt collector stating that we owed money for bounced checks. We had no idea of what this was about and requested information, which we were told that they do not have to supply that to us, that their " client provided me with all the proof I need ''. We eventually did get proof from the debt collector, which was for the full amount of the move out statement, even though we paid everything with the exception of the {$300.00} which we had disputed more than XXXX  years prior. Once we sent proof back to the debt collector, we did not receive a response from them. Next thing we know, {$300.00} is appearing on my credit reports as a collection. We then sent a letter to the apartment complex and have not received a response.
Product: Credit reporting or other personal consumer reports

" I am requesting the immediate removal of my student loan information and child support from my credit report. 

I believe this information is being reported in violation of the Family Educational Rights and Privacy Act ( FERPA ), which protects the privacy of student education records. Additionally, the Fair Credit Reporting Act ( FCRA ) restricts the use of consumer reports to specific permissible purposes. I assert that the use of my student loan information and credit worthiness for purposes related to child support enforcement is unauthorized and violates the FCRA. They are simply looking at my credit for the ability to determine child support legally not damage my credit with arrears under 1681 B permissible purpose.

I request notification of the removal of this information, as required by the FCRA, at no charge. Furthermore, I request the names and addresses of all entities contacted regarding this matter. ''
Product: Money transfer, virtual currency, or money service

Cashapp {$4400.00} was stolen out of my account. I have filed dispute after dispute with cashapp which they are the worst customer service I have ever had to deal with I have been hung up on disregarded and they down right refused to help. I was denied then received a email stating that they agree that my account has been compromised and that they have now secured it. With that being said I thought finally I will have my money returned too me not 24hr after receiving that email I received another email saying that my dispute has once again been denied that the transaction in question was completed successfully but I dont understand how if I have been hacked and they stated that they recognize just that. I never gave anyone permission to add or remove my bank information and I definitely never gave anyone to cash out every penny I have to my name. I have been treated like XXXX and I have still done all I know proving that I was hack the money was wrongfully removed from my account to a unknown debit card that I have even contacted the head of XXXX department that cashapp said the money successfully received and they first of all gave me XXXX different trace numbers for this one transaction and top that off the bank informed me that the transaction doesnt exist and the ach numbers are not real ach numbers! I have my own opinion of the hacking is a inside job but I also had lost/stolen my phone and wallet around this time but I cant see how some random person would have this knowledge ability or access to have done this so quickly unless they already know and have access to the financial platform and when I asked a customer service representative about a prior rep that I spoke to he choked up and put me on hold for a long time and then finally came back to tell me that he isnt allowed to tell me the name of the individual that I had already spoke to and he couldnt tell me why?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I supplied a copy of the FTC report, it was determined that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If you choose not to impede the following accounts listed beneath that are responding incorrectly as a result of fraud. The following accounts must be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I am writing because the agency Professional Account Management is attempting to collect the wrong amount and also indicated that I committed a crime by not paying debt. I received XXXX " Notice of assignment to collection agency '' for XXXX unpaid citations. The unpaid citations are ticket number XXXX and XXXX with the XXXX DMV, which I contested well within 30 days ( I filed within & lt ; 10 days ) via the online ticket adjudication system, with reference number XXXX. I am contesting the tickets because I believe that they ticketed and towed my car without cause because there was no signage that I violated any parking laws. I submitted photos and documentation at the time of my claim. I have never received any further communication, either from the DMV or from the ticket adjudication system. However, my citations were sent to collections, although the XXXX DMV website says explicitly ( XXXX ) that " If you want to contest a ticket, do not pay the fine and/or penalty. You can not contest a ticket once you have paid the fine and/or penalty. '' The notice I received however says that Professional Account Management is collecting on my " debt '' although I have not received any confirmation from the XXXX DMV about the final result of my adjudication. I contacted Professional Account Management to resolve this issue but they directed me to the XXXX DMV. I also contacted the XXXX DMV multiple times without result. Also, I monitor my credit score frequently ( more than 3 times/week basis ) and my credit score has dropped over XXXX points ; I believe that as a result of my collections being reported to the credit agencies unfairly that this resulted in both the change in my credit score and a denial for a credit card application.
Product: Credit card or prepaid card

Money Network has agreed to issue final credits to my account as per the fraud claim I had filed back on XX/XX/2022. However, they left out XXXX transaction, which was for XXXX, {$34.00}, charged on XX/XX/2022. Not really sure how they missed it, as it was the first transaction disputed on the claim form...