23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/2024 I noticed a bill show up in my online access for my banking card. When I looked closer it was for Macys. The bill was over {$300.00}. I never made a purchase that large so I called toll free number and was told the purchase was mailed to an address in XXXX XXXX XXXX XXXX XXXX XXXX and would never have a purchase sent anywhere other than my home. At that point they opened a fraud investigation. In XXXX I returned a call per Macys credit card to explain why I was filing/disputing this charge. In XX/XX/2024 I received a letter stating that I didnt prove the purchase wasnt made by me and that I was now responsible for full payment. I did not make or authorize any purchases that were sent anywhere than my home address. Ive never had a history of going such things with this Macys store card. I should not have to pay for something that I didnt purchase or authorize.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unfair credit reporting practices by Bonneville Collection and XXXX XXXX XXXX ( XXXX ), which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I reviewed my XXXX credit report and noticed that Bonneville Collection is reporting a {$110.00} collection account. This reporting is false, as I have not received any validation of the debt from Bonneville Collection, which is required by law. Furthermore, the original creditor, XXXX, is also reporting a collection on my XXXX account for the same debt. This dual reporting is illegal, as both XXXX and Bonneville Collection can not report the same debt simultaneously. XXXX has sold the debt to Bonneville Collection, making this a clear case of double reporting. 

The details of the accounts are as follows : Bonneville Collection : Reporting a {$110.00} collection account on my XXXX report. 
XXXX XXXX XXXX ( XXXX ) : Also reporting a collection account for the same debt on my XXXX report. 
These actions have negatively impacted my credit score and caused undue stress. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Bonneville Collection and XXXX comply with the FCRA. I also request that both collection entries be removed from my credit report immediately. 

Thank you for your attention to this matter. Please feel free to contact me if you require any additional information or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the data breech I locked my credit with all 3 credit services. Now I want to refinance my home and I can get no response to unlock it. Equafax keeps telling me their system is being backed up. XXXX keeps you running around in phone prompts but will not give you a person to talk to. To frustrated to try XXXX XXXX. Wasted to days and lost my interest rate quote. Feel like I am being held hostage by them.
Product: Student loan

I was unaware my loans were not a part of the overall federal student loan payment pause. I was told even though my loans were federal student loans, they were " commercial '' federal student loans and had been exempted from the federal pause. 

This information, in my opinion, was not properly communicated to borrowers and set many of us who had never been late making payments on our loans up for delinquency. 

XXXX XXXX XXXX During the time my loans went into repayment, I was on a medical leave of absence from work and was unable to afford payments. I had all 8-9 loans placed into forbearance. 

Despite placing my loans into forbearance, College foundation INC reported my loans as 60 days past due in XX/XX/XXXX and XX/XX/XXXX. 

I have tried several times to get College Foundation Inc to remove the delinquent marks from reporting, or to remove the paid and closed tradelines altogether -- but with no success. 

I am submitting this complaint to have the delinquencies removed from credit reporting to XXXX, XXXX, and XXXX.
Product: Debt collection

On XXXX I paid off my debt that has now gone into collections. I have the receipt and they still put it on my credit report in collections. It caused my credit score to drop 60 points
Product: Mortgage

When my father-in-law passed on XX/XX/XXXX, the home was under forbearance, and we paid to get it out of foreclosure. We were still 2 months behind. My mother-in-law passed on XX/XX/XXXX, and we are the executors of her estate as well. In XXXX of this year, I was 1 day late making the payment, and they would not accept payment and told us that we had to come up with {$7000.00} and they said they would not work with us to make payments until we could get it caught up. They sent the paperwork to foreclose on the house. They are forcing us to sell the house for much less than it is worth. My husband 's parents built this house in XXXX, and we are wanting to keep the property, however Mr. Cooper Mortgage is not willing to work with us.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I have a XXXX XXXX. A few monthes ago I asked for my interest rate to be lowered. She said I could go on a program to help me and it was available for XXXX  monthes. I signed up for this. When I went to pay my following payment the website and everything was gone. After figuring out who to contact I was not given access to my account. I always had paid on the website. I was told that I was on a hardship program and since my card was expired and I had asked for a new one to be sent during the intial conversation about my interest rate that a new card was not being sent. I was then told that my address was wrong they would not change it over the phone. I literally had to email a picture with a letter of my address. After all of this I still was not given access to my account. I called several times and told I can pay on the phone. I told them I was not blindly paying something that I could not see. I asked for statements to be sent. I never received one. Finally on XX/XX/XXXX amd this has been since my XXXX payment I spoke to a woman who helped me to get into my account. Was able to walk me through the entire sign up process. I then made a payment. When I submitted the payment it just kept saying processing. Then after a couple minutes it said processed. On XX/XX/XXXX I checked the history and pending payments and did not see anything. I started a chat on the site and the person said it was there and she could see it. On XX/XX/XXXX I saw it was still not there and had never come out of my account. I went on and paid again. I started another chat asking if they could see the history. They told me no that there is not a way for them to see the conversation I had on the XXXX. Yet it states when you chat that it may be recorded. So again makes no sense. Now on my credit report it states as of XX/XX/XXXX that I am behind. This is ridiculous. XXXX  XXXX was taken over by Continental Finance. They have not tried to help me in anyway. I want this off my report. This has been the worse experience I have ever had. I have never had an issue with a company like this. I do not understand how they are allowed to do this. I want my credit report fixed from them and for them to take responsibility. I have read that several people have had this same issue. So if I am not the only one how are they allowed to get away with this. I want this to be an official complaint. My next step will be an attorney if I need to. I want to purchase a house and this just set me back with the broker.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX opened : XXXX. XXXX, 2020 AMOUNT : {$830.00} I called this company, they never respond.
Product: Student loan

I called on XX/XX/year>, and talked with 2 different people at Nelnet This took 3 hours. The company consistently applies random amounts to the principal/interest ; each loan is treated differently by them each month. They apply wherever and whatever they want, without regard to my instructions. They were also supposed to change my account to 1 due date instead of 2. Also, I repeatedly tried to change the amount that is autodrafted each month to make more than the minimum. The system keeps defaulting back to minimum payments. One month it took out double payments. You can not access all of your auto payments at once. The system only shows you info for the loan that is due next. So you have to check the system every day. I have also tried to change my acct to " DO NOT ADVANCE MY DUE DATE '' but the system won't allow that change, it just puts up an error. It was set to " Do not advance '' before, but somehow was changed without my knowledge. ( Advancing the due date only adds more interest ). Furthermore, one of my loans received {$0.00} applied to it, ( which caused the balance to increase more than it was the previous month ), even though I paid {$51.00} EXTRA on that payment. The people at this company kept " checking with their managers '' and I have yet to receive an answer of rectification on that either. I also emailed my concerns to the company. Not only have they not responded, there is no record of it on my account. That being said, their website is completely unhelpful.
Product: Money transfer, virtual currency, or money service

Google Pay sent money to someone else 's bank account, when it should have gone to mine via a payment from a friend. The bank proved it went to the wrong location. Google admitted they made a mistake and let my account get hacked. Plus when trying to fix it, they sent a charge for the same amount to another google service ( Google Fi ) which ended up having me pay double for phone service for that month.

After 45 hours spent with support, including several initial employees admitted Google made a mistake, it would always get escalated to a manager. The manager would only check the google records which looked like everything was fine. But multiple bank records showed they made the mistake and haven't fixed it yet.
Product: Debt collection

On XX/XX/2017 I paid {$220.00} to XXXX XXXX  via debit card online ( as I was directed to do by focused recovery group, to whom the account had been turned over to for collections ). I have a receipt that was sent to my email that shows the account paid in full available for upload, if necessary. 
This information has been shared with all 3 credit bureaus as well as Focused Recovery Group. I continue to have my credit dinged every 30 days by Focused Recovery Group for a debt that was paid OVER 2 YEARS AGO! 
When I have disputed it ( repeatedly ) they drop it off my report for 30 days and then file it again so I have had to continuously dispute a debt that is not owed and furnish evidence that they themselves have acknowledged is accurate. 
This is a predatory tactic used to try exploit additional money from people that is not owed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Ct. 
XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I noticed an erroneous entry regarding an account with XXXX XXXX XXXX, account number [ Insert Last Four Digits ], which I believe to be inaccurate. 

The report lists the account with a charge-off status and a balance of {$14000.00}, which I dispute for the following reasons : 1. Inaccuracy of Balance and Status The reported balance and charge-off status are incorrect. If this account was settled, closed, or paid in full, the reported balance does not reflect that accurately.

2. Incorrect Payment History The payment history contains errors, which misrepresent my actual payment behavior and financial responsibility.

3. Lack of Proper Validation If the creditor is reporting this account, I formally request a full validation of the debt, including all records of payments made, agreements, and any documentation supporting the charge-off status.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this item be investigated and removed or corrected accordingly. Please provide a response and any supporting documentation within 30 days of receiving this letter.

Enclosed, I have attached a copy of my credit report with the disputed account highlighted for your reference.

If this account can not be verified or corrected, I respectfully request its immediate removal from my credit report. Please notify me in writing once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of credit report with disputed account highlighted [ Any additional supporting documents, e.g., payment receipts, correspondence with the creditor ] Note : When disputing information on your credit report, its advisable to include copies of any relevant documentation that supports your claim. This may include payment records, correspondence with the creditor, or any other pertinent information. Additionally, consider sending your dispute letter via certified mail with a return receipt requested to ensure that it is received and to have proof of delivery.
Product: Student loan

Got a full time job in XXXX XXXX. Graduated in XXXX XXXX. Suddenly in XXXX XXXX, my payments increased from about {$200.00} a month to over {$700.00}. Tried to apply for a different repayment plan so that I can afford to live, but they told me I ca n't since my dad is a cosigner ( who definitely will not be making payments for me ). Operator then misled me into a Forbearance agreement so I could get a reprieve for XXXX payment. Also said I ca n't try and remove my dad as a cosigner so I can get a new repayment plan. When checking online, is shows me that I ca n't remove a cosigner if I 've been given Forbearance in the past 12 months. Now I 'm stuck paying over {$700.00} a month by myself.
Product: Credit card or prepaid card

On XX/XX/2020, Comenity Bank ended their credit card program abruptly during a critical time in the formation of the Covid-19 Epidemic. As a direct result of Comenity 's closing of accounts in good standing, like this, an avalanche effect destroying this consumer 's credit worthiness ensued. Credit scores plummeted and additional punitive actions were taken by other credit issuing banks including XXXX, XXXX XXXX XXXX, and most importantly, XXXX XXXX who made exaggerated efforts to communicate account durability to network partners while fraudulently enrolling clients in relief programs designed to amplify their financial crisis. XXXX XXXX XXXX XXXX  and its subsidearies XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX. used the information they received from Comenity to cause the decision to initiate theft of securites and stock from investment accounts and offer temporary credit lines that were designed to never be made permanent as a result of the damage to the credit report and scores caused by Comenity.
Product: Credit card or prepaid card

On XX/XX/XXXX, I discovered six transactions, 3 on XX/XX/XXXX, XXXX on XX/XX/XXXX totaling {$4000.00} which were bank to bank transfers made using my US Bank Relia Card. I tried to use my card and the transactions were declined. I called the bank and was told of the fraudulent transactions. A fraud form was mailed to me. 

I tried to login to my account and was unable to login. Customer service would not let me into the account. The customer service representative read to me an email account which was associated with a Belgian service. The fraud dispute forms that were mailed to me also indicated the phony email address. I concluded that my online account was compromised along with my debit card. 

I completed and returned the fraud dispute forms on XX/XX/XXXX and filed a police report. Upon follow up, I was informed that my fraud claim was denied on XX/XX/XXXX. I have not been provided a reason why my dispute was declined. I have no other recourse than to file a complaint against US Bank Relia Card in order to receive a fair resolution of the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES THAT WAS RAN BY XXXX XXXX XXXX XXXX XXXX  DE XXXX ON XXXX XXXX XXXX FOR A CREDIT CARD WITH XXXX  MONTHS REPAYMENT TERMS WITH A DURATION SCHEDULED TO CONTINUE ON RECORD UNTIL XXXX XXXX WITHOUT MY KNOWLEDGE OR CONSENT.
  HARD INQUIRIES THAT WERE MADE BY XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX  ON XXXX XXXX XXXX REASON UNSPECIFIED SCHEDULED TO CONTINUE ON RECORD UNTIL XXXX XXXX  WITHOUT MY KNOWLEDGE OR CONSENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

IHAVE FILED DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTGATION RESULTS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX KEEP REPORTING A BANKCRUPTCY ON MY CONSUMER REPORT. 

THEY STATE XXXX XXXX HAS VERIFIED AND THAT IS FALSE. 
I HAVE MY CONSUMER FILE FROM XXXX XXXX AND THERE IS NO REPORT OF BANKCRUPTCY ON THE FILE I HAVE FROM XX/XX/2023 BOTH EXPERIAN AND XXXX HAVE BEEN VIOLATING MY CONSUMER RIGHTS.

15USC1681 ( A ) ( 4 ) CONGRETIONAL FINDINGS AND STATEMENT OF PURPOSE ( a ) accuracy and fairness ( 4 ) need to ensure grave responsibility and impartiality. 
EXPERIAN AND XXXX NEGLECTED TO INVESTIGATE PROPERLY
Product: Mortgage

When we opened our loan with XXXX it was a fixed rate. When Rushmore bought our loan it was transferred as a balloon rate. We never signed anything with Rushmore saying it was not a fixed rate
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were listed on my credit report as late and they were never late. These accounts are current and up to date. This is hurting my credit. This is a violation of the fair credit report act section 1681b. 

XXXX XXXX XXXX  Date opened XX/XX/XXXX {$630.00} Listed as 30 days late. 

XXXX XXXX XXXX Date opened XX/XX/XXXX {$360.00} Listed as 60 days late. 

XXXX XXXX Date opened XX/XX/XXXX {$870.00} Listed as late 60 days. 

These accounts were never late.
Product: Student loan

Contract was cancelled " NO CONTRACT '' Showing up on My credit report as Account Transferred, Sold, or Purchased by another lender Paid. This should not be showing up on my report if Nelnet Loan Services is no longer servicing the account.
Product: Debt collection

what this debt is for. Who it is from. Why does it say " original debtor '' when was this debt.made why are you entering this on my credit report when I've never seen a bill for this amount what is your address and phone number so i can dispute directly
Product: Credit reporting, credit repair services, or other personal consumer reports

on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond they stated only once that I authorized a company to release their information. when I requested the proof of that document they refused to send it and stopped responding. there is more than one account with this company. 
my last letter is sent was along the line of This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.
Product: Debt collection

I switched over from XXXX to XXXX cell phone service due to XXXX having a promotion that they would pay " your last month 's bill '' with your current cell phone carrier. 

I was told in the XXXX store that XXXX did indeed pay my last bill. XXXX is saying that the account had to charged off and they had no record of XXXX paying my last bill. Now this is in collections and showing negatively on my credit report.
Product: Money transfer, virtual currency, or money service

I sent {$100.00} from XXXX as to XXXX XXXX on Friday XX/XX/2019 Recipient : XXXX XXXX XXXX Transfer No. : XXXX XXXX XXXX XXXX IN REVIEW XXXX {$1800.00} Your transfer is currently in review. 

Your transaction will be reviewed by XXXX XX/XX/XXXX PDT. 
TRACK YOUR TRANSFER And still not available for pick up! I tried to talk to them and nobody can get back to me! 
Please help my mom needs the money
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have hard inquires on my credit report I would like to get removed I have not received loans by any lenders and I have not authorized these things please help me remove my inquires as far as my credit report. 

Thanks