23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023 I paid off the Amount due of {$130.00} to XXXX balance on my Lowes/Synchrony account. In XX/XX/2023 I got a call from collection of the charge of {$75.00} that was late. At that time talking to fraud dept. I asked for it to be disputed to be started for I did not make the charge and at that time Lowes/Synchrony time closed my card and issue a new card. then the phone calls had begun some times up to 3 time a week each time I explain the problem to collection person and they when and checked on hold most case 20 to 45 minutes. I ask to be sent to fraud XXXX. and found out there had no be disputed filed again file aa dispute yup sad they did this when on until XX/XX/2023 they finely file a dispute they have until XX/XX/2023 to decide the out come. In the meant time they file report to credit companies of non payment on 30 day later and balance due credit score drop for XXXX to XXXX other companies cut lines of credit also. Lowes/Synchrony harassment , intimidation and just scare tactics to try to get amount paid no matter what and delaying to trying to get the customer to clean up their mess and pay the bill. They also did not follow Red. E requirements that is set in place by the Gov.
Product: Credit reporting or other personal consumer reports

i was reviewing my credit report and noticed that I had some inquiries that i didn't authorize
Product: Debt collection

National Credit Systems is trying to collect a debt not owed and dismissed in court a Magistrate Court Judge after XXXX XXXX XXXX stated in court they did not want money to prevent me from expose them for having mold issues in the apartment where I lived with my daughters. My younger daughter had consecutive pneumonias due to the mold. Reporting this as a debt is against the Fair Credit Reporting since I do not owe money to XXXX XXXX  XXXX. The writ of possession and money dues were dismissed in court after they expressed they did not want money. XXXX XXXX   XXXX  is being fraudulent and a police report that will be attached has been  filed.
Product: Credit reporting

XXXX XXXX reported my collection Account was In a paid was charge off status and transunion refuses to correct this. The account balance is XXXX my obligation to XXXX XXXX is reached and the account is no longer in a charge off status it is now current and paid. 

Capital accounts and pet vet has asked for have these account removed and transunion is still showing the account.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have been a victim of identity theft and found numerous inquiries that I have no knowledge of. Here are the accounts and dates that Ive found, 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 I also attached my identity theft report as well.
Product: Credit card or prepaid card

Stopped receiving my monthly statements 4 months ago. Contacted AMX 12 times during that period complaining and was told my account was being placed on hold and no payment was required until they could resolve this issue. Account was then closed and reported as late and closed to the bureaus. Disputed this status and was told there was nothing that can be done.
Product: Credit reporting

I am disputing a {$100.00} charge that XXXX says that I owe them. I disputed the charge because of poor quality of service from them. My credit card company ( XXXX ) which had been automatically paying my Dish monthly charges for the past two years agreed with my dispute and credited my account for {$100.00}. Based on that I thought that the issue had been resolved. Subsequently a company known as XXXX XXXX ( a collection agency ) obtained the account from XXXX and filed it as an unpaid account wth the credit reporting agencies. I have documentation from XXXX indicating that the issue had been resolved. I feel that the credit reporting agencies unfairly accepted the information from XXXX. As a result my credit score unfairly affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion have been given dispute letters contesting Bankruptcies reporting on to the credit report. 
Transunion/XXXX  are reporting a false address as current address.
Product: Student loan

Nelnet ( and the loan guarantor, XXXX  ) are both threatening collection action, call the loan and damage my credit history for an amount the claim is overdue, but I am actually paid ahead. 
Briefly, I am paid ahead to approximately XX/XX/XXXX. Nelnet claims that I am behind {$2400.00}, or that I started falling behind since XX/XX/XXXX. 

On XXXX, I received a call from Nelnet that I was behind over {$2500.00}. Since then, I have made 5 calls to Nelnet and 2 calls to XXXX to get clarification and resolve this issue since ( i ) not once in my online account 's dashboard did it ever say I was behind anytime in XXXX ; ( ii ) not a single monthly statement in XXXX showed I had a past amount due ; ( iii ) an account truly behind 9 months would have been reported already to a credit reporting agency and would have been transferred over to the guarantor ; ( iv ) and adding all of my payments in XXXX actually showed I was overpaid ( and still am ) since all of XXXX ; ( v ) no late fees have ever been assessed. 

I have offered to share my evidence of payments, but no one has been willing to sit down with me ( in person or virtually ) or receive the evidence via email, mail, etc. On XXXX, I spoke to XXXX, Account Manager ( payroll / # XXXX ) who discovered that someone, instead of updating my account to paid ahead to XXXX, actually typed XXXX. Everything unraveled from that point. However, she said it would be corrected within 24 hours by the accounting department ( or 48 if she had to take it to another department ). 

On XXXX, when I called, I received contradictory information in that the matter would take 8 business days to get a response. On XXXX, I received a letter dated XXXX that Nelnet was calling the loan and threatening credit harm if the " overdue '' amount is not paid by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Documentation of Recorded phone call with TransUnion XXXX that a identity theft report needs to be filed. For the information to be removed. I informed XXXX that a identity theft report was created through the CFPB. 
Says that they have not received the information XXXX says that he sees the complaints in the system from the cfpb, says that he can not see a specific detail regarding the report, and that the call must be transferred to a supervisor. XXXX placed me on hold. 
XXXX XXXX ( Supervisor ) XXXX says that she can not remove the inquires, would not give a specific reason as to why she can not remove the fraudulent information. XXXX kept insisting that a report from the CFPB was not constituted as a identity theft report... 

However, ( Per the FCRA15 USC 1681a ( q ) ( 4 ) -- ( 4 ) Identity theft report. The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false.

She says that she can not remove the fraudulent information. XXXX also stated that she marked it in Transunion system that inquiries were fraudulent. I informed her that according to the FCRA section 611 any information that can not be verified or is frivolously being reported has to be deleted immediately. She informed that she could not delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone please help me! 
I can't use 1 dollar on my credit card without credit bureau taking 11 points from me! When call credit bureau and XXXX XXXX they both point the finger at each other. 
This had been an issue ever since using XXXX XXXX and there suggested credit cards for 2 years or better. My first credit card was a suggestion from XXXX XXXX and it was a 300 dollar limit with good credit. Before my 25 dollar payment was due, XXXX  XXXX reported to both XXXX  and transunion and they took XXXX points. They said because I used to much of the balance, utilization? I get it now. XXXX XXXX offers me another card from XXXX  XXXX to bring my limit up so I can use more then just 10 % of 300 limit, I do it, just for opening the card they took 97 point. I used that card to get gas and stayed way under utilization and they took 11 points today and said it was for hard inquiry? They already ding me for the hard inquiry 2 months ago for that card. I loose sleep over this because iv turned my life around and have worked so hard to have good credit and I had good credit before I got involved with XXXX XXXX and the partners. This can't be the way it works now? Everyone iv talked to says they have never herd of such things? I have every screen shot and every email. 
They have took literally over 200 points from me for no reason! My XXXX from XXXX  is score is XXXX! That should tell someone, something! Also been trying to close my XXXX  XXXX  account and they will not do it! I have every email from them as well. There is no contact number and all done by email. They give me a case number and ask if they can proceed and I respond evertime, yes and that's the last I hear from them. Screenshots of that as well. So not only have they ruined my credit, I can't get away from them! It's like a crazy ex girl friend! No joke! I hope this email finds someone that will fight for me. Also XXXX XXXX keeps telling me I have a saving account with them when I don't, never had.
Product: Student loan

I chose to refinance my Federal student loan with a private company for a better interest rate. Nelnet ( the Federal loan servicer ) was auto-debiting my account for the payments as previously arranged. The auto debit came out the day before my principal payoff paid off the loan for the amount that was due on that day, yet Nelnet shows I have a XXXX balance even though the original payment toward the principal should be refunded. In the principal payoff deposit from the private lender, they chose to take interest from that to XXXX out my balance and not give me a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Need to be Remove Bk on my credit.
Product: Money transfer, virtual currency, or money service

I'm a full time college student looking to save money to take my XXXX tests to apply to medical next year. An individual with the email XXXX sent an email to my school email address requesting a dog sitter for her aunt who was supposedly moving down from XXXX for a new job. The " aunt '' name was XXXX XXXX XXXX email : XXXX number : XXXX ). She sent pictures of the dogs and shared her entire situation ( see attached screenshots XXXX. This XXXX then said that because they had not settled in her new apartment, that she would send me a check to purchase supplies for the dogs and my first week 's pay. I then received a check from her supposed financial clerk from the email XXXX. The check was for {$3900.00}, the company on the check was XXXX XXXX XXXX in XXXX, GA and the bank on the check was XXXX XXXX, NA. I deposited in my account on XX/XX/2021. The check was posted on XX/XX/2021. I called my bank to confirm whether or not the funds were received from the other institution, and I was told that it was. Obviously the banker mistook my question for whether or not the funds were available ( considering they make funds available before money is received ). XXXX then told me send money to the number XXXX XXXX XXXX XXXX XXXX, and after that didn't work, she told me to XXXX {$1000.00} 3x to XXXX, however, only 2 of the 3 transaction went through ( the conformation numbers for the two transactions XXXX & XXXX XXXX. After the 3rd transaction didn't go through, she asked that I send it in bitcoin on XXXX. I then reached out to Bank of America to report the scam and they cancelled the third XXXX transaction because it hadn't completely processed. Unfortunately the first two went through. The bank associate said that she opened a case outlining the fraud ( case # : XXXX ) but I don't see anywhere on the online bank account for me to see the status of this case and BOA already reversed the fraudulent check. Now, the money I was going to use to buy my XXXX prep supplies is gone. The only other info I have is that the phone number associated with XXXX actually ends in XXXX and not any of the other numbers that contacted me at any point.
Product: Mortgage

On XX/XX/XXXX, DiTech Financial processed a payment from me in the amount of {$5500.00}. Rather than applying the payment to my payment and the remainder to my principle, Ditech processed it as my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments, collecting the unearned interest on the higher balance and not requiring another mortgage payment until XX/XX/XXXX. I notified them via their online secure communication portal of their error on XX/XX/XXXX. After receiving on a canned response on XX/XX/XXXX and no further communication, I once again wrote to them on XX/XX/XXXX. Once again only getting a canned response. A similar thing happened on XX/XX/XXXX, and it took over a month to correct, even when I included specific instructions on how the payment was to be handled.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due ( Block inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

We have been trying to get our bills paid to increase our credit scores. When I went into our credit reports we found credit inquiries that were not authorized dropping our scores approximately XXXX points. We contacted XXXX, XXXX, and Experian in writing and by phone and they state that they will not remove them, that it is a law for them to report who pulls our credit reports. However we did not authorize these inquiries.
Product: Credit reporting or other personal consumer reports

I have several hard inquiries from Capital One thay are recent, and I already have a Capitol One Card. I have no reason to have agreed to another hard inquiry. It is messing up my credit score, and I'd like the hard inquiries removed, please. 
Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XX/XX/XXXX & XXXXXXXX XXXX. It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/XXXX I was charged {$380.00} for three doctor 's appointments by XXXX XXXX XXXX. I reported that this entire charge is void because one of the appointments did not actually take place ( XX/XX/XXXX ) and the other two were paid for by my insurance. The merchant had fraudulently charged me for one appointment, and double-charged me for two others despite my insurance ( XXXX ) paying them. Even though I showed proof of of my insurance paying for the charges, American Express refuses to credit my account for the dispute amount of {$380.00}. The credit card 's dispute reason for this charge is incorrect, since the appointment or the services from this merchant were not received. I have provided proof of the insurance paying for the other XXXX charges, and a copy from the insurance rejecting the claim for an appointment the merchant fraudulently claimed ( XX/XX/XXXX ). Thus, the {$380.00} should be credited back to this user 's credit card account.
Product: Checking or savings account

Someone took {$XXXX} from me and I am not sure who and I only got back {$XXXX} I am a XXXX individual and need that money to live. I have already provided the documents to prove I am in a dire need
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry 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
Product: Credit card or prepaid card

I already reported on Bank of America but this app on mobile would not get me to the previous compliant nbr to add the attachments. It is so limited or too restrictive. So it is same company I am complaining about. I add the proofs of never being late with Bank of America until this month, XX/XX/2019. 
BOA suspended my credit card as an emergency card/fund. They shld not suspend but to report to credit bureau of being late AND charge fee at only one time which is XXXX Not previous months. BOA also charged me a several more on late charges.
Product: Credit reporting or other personal consumer reports

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; XXXX Permissible purpose {$1000.00} XXXX Defamation of character {$1000.00}
Product: Credit reporting or other personal consumer reports

Subject : Failure to Conduct a Proper Investigation of Disputes and Address 1099-C Non-Issuance by Collection Agency I am filing this complaint against Equifax, XXXX, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection AgencXXXX : XXXX. Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Key Violations : XXXX. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address
1099-C Non-Issuance : o XXXX, Equifax, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.