23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The account listed below was supposedly verified for ACCURACY on XX/XX/XXXX and XX/XX/XXXX by TransUnion, XXXX and XXXX. XXXX deleted the inaccurate account during the XX/XX/XXXX dispute process. This account was charged off on the following date ( XX/XX/XXXX OF FIRST CHARGE-OFF ). Since then, the account has repeatedly been updated as charged-off every month. This is an inaccurate update in my payment history. This inaccurate information falsely manipulates the statute of limitations. 

TransUnion and XXXX have failed to investigate this account twice. They have totally violated my rights per the ( FCRA ) 15 USC 1681e ( b ) Accuracy of Report This account is being re-aged and reported inaccurately which is destroying my credit opportunities. 

I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXX
Product: Checking or savings account

On the XXXX of XXXX Due to compromised credentials they decided to close my account I informed them I had a direct deposit I was not going to be able to redirect. This money is my service connected XXXX pay and all the money I receive every month. I've escalated the issue twice, call daily and still have gotten nowhere. Now my rent along with all my other bills are late
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.. I told Experian, XXXX and XXXX to investigate these accounts : 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: Money transfer, virtual currency, or money service

I sent XXXX XXXX {$40.00} ( with a {$2.00} fee ) as well as XXXX XXXX {$40.00} ( with a {$2.00} fee ) through PayPal on XX/XX/XXXX as payment for concert tickets. The correct tickets were not sent and the recipient refuses to refund me. The status for both payments is " Money Sent '', but there's no way to cancel this payment. Please help!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2018, I received an offer from Citibank that if I were to spend {$4000.00} in the first four months of obtaining their Aadvantage business credit card, that I would receive XXXX XXXX XXXX XXXXXXXX bonus miles. 

I scrutinized the offer for language stating " if this same credit card was opened or closed within 24 months, that the bonus miles would not be given. '' Though this was the case with me, NO WHERE DID THIS LANGUAGE APPEAR, I was reading this on my cell phone but decided to print the offer out and scrutinize it just to make sure. 

I was lead to believe ( perhaps fraudulently ) that the offer has the 24 month language waived to have be back as a customer. I am attaching their offer to this note. 

So I applied for and was awarded the card. I had met the spending requirement within one month. I waited for the bonus miles to appear for 10 weeks after that purchased showed up on my statement. 

When I called, they said they would launch an inquiry. 

Instead of the miles I received a form letter form Citibank saying, " Special offers aren't available when an existing account in the same product has been approved or closed within 24 months. '' I followed up with another phone call and they stood by their form letter response in spite of the fact that the offer that I accepted did not contain the 24 month language. 

So ... this is why I am contacting you. I agreed to and accepted their offer that stated I would receive the bonus mileage an the fact that the 24 month language was NOT stated in the offer.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MIDLAND FUNDING would verify the debt. So I took it upon myself to ask MIDLAND FUNDING for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via certified mail delivered on XX/XX/21 to NCA regarding a collection being reported on my credit report asking for validation of purported debt, to include pertinent information that is required to be furnished by law : Copy of original contract Name and address of original creditor Name and address of alleged debtor Amount owed Full account number Date account opened Date of last payment Date of first delinquency Complete account activity Proof that this debt was assigned or sold to the company, and that they have the legal authority to collect the debt I did not receive a response. 

It has now been well over 150 days since I initiated contact with NCA, and they have still not responded to my validation letter. I have the certified mail receipt to prove that it was received. 

This company is refusing or neglecting to address my inquiries in a timely matter as required by law. 

Acct starting with XXXX I know that this account can not possibly be verified as belonging to me if an actual investigation in to my inquiry is done. I kindly ask that this account be deleted from my credit report at all credit reporting bureaus, and all contact and collection attempts cease. 

Upon a response to this complaint, if this is not resolved as per the law requirements, my next contact will be the FTC, the attorney general, social media, and the media.
Product: Student loan

XXXX College has closed down and I been trying to Dispute and give loan forgiveness, but they wo n't give it to me. I was re enter into school due to have to do my taxes and in the most of me picking out my classes and they start closing down and I was n't able to finish my classes. No warnings or letters or nothing just closed and got stuck with the loan and that 's ridiculous. I need relief and it needs to be forgiven by Navient Department.
Product: Vehicle loan or lease

According to the statement that was issued for XX/XX/2023, {$14000.00} was owed as the payoff amount and my account was past due. It was reported to all XXXX credit bureaus as delinquent as well. On XX/XX/2023, I made a payment of {$270.00} towards my loan. On XX/XX/2023, Capital One Auto Finance applied two payments to my auto loan account, totaling {$14000.00}, because my vehicle was deemed a total loss due to an accident that I was in on XX/XX/2023. 

As of XX/XX/2023, {$220.00} was owed on the loan. I paid the amount owed on XX/XX/2023, which paid the loan off. No update to my credit report has been made since XX/XX/2023 and as a result my credit score has dropped more than what it was, while this vehicle is showing as 30-90 days past due ( due to being reported inaccurately across all three reports ). Currently, I do not have a vehicle and this vehicle reflecting as it is, has made it impossible for me to get a new vehicle. 

I have attempted to get assistance with this from Capital One and I have been repeatedly told that they can offer me a letter that shows my loan is paid in full. There has been no update to my credit since my first call to Capital One regarding this issue, no statement generated for the month of XX/XX/2023, which should have been generated due to an amount being owed by XX/XX/2023. I have done all that I can think to do and not having a vehicle as a single parent is very very inconvenient when this could have been prevented entirely if Capital One was reporting correctly and timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX  XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$880.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$230.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

To date I have contacted Standard Mortgage with this issue via email XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have called every day for the past two weeks and left 3 messages with XXXX XXXX. I have spoken with XXXX XXXX twice and XXXX XXXX. I was in touch with someone in the escrow department who put me on hold since I was in previous contact with XXXX, and was disconnected. Called back and left a message immediately after, with no return. I understand there is large call volume and a lot of changes with Covid 19, but this issue was taking place before everything started to shut down. 
Payments XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Im informed that my total debt was XXXX. I mailed XXXX XXXX which was not applied correctly, addressed and not fixed until XX/XX/XXXX. And not totally sure it's even fixed. 
My debt should not be a total of the 3 payments. The initial payment is SAVED in my escrow account all year and simply dispersed. The other two, totaling XXXX and the XXXX refund brings a negative escrow of XXXX. 
I was told my new payment until XXXX is XXXX on XX/XX/XXXX totaling in apx XXXX of shortage over the 7 months that my payment will be that amount. Where does that number come from? .... 
Made a normal XXXX payment that was not applied to my loan. Told I needed to send XXXX to complete the payment. I did, but it was not applied. My XXXX payment of XXXX was not applied either. None of my " payments '' since XXXX have been applied to principle or interest. 
I am in the process of selling this house. I was approved for a loan on another house that was contingent on the sale of mine and my payment on my credit depicts XXXX so after that was found over a week later i was declined. Wasted hit on my credit!!!!! 
AND I have been receiving collection calls! 
My credit has dropped 95 points. Sent certified mail. Contacted supervisor again today with no contact back, which is XXXX. The one who has not responded to multiple emails, messages and calls. Absolutely unacceptable. Covid is not an excuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through XXXX there were several fraudulent Inquiries There was an inquiry for XXXX XXXX on XXXX XXXX There was an inquiry for XXXX XXXX XXXX  on XX/XX/XXXX There was an inquiry for an XXXX XXXX XXXX/ XXXX XXXX on XX/XX/XXXX There was an inquiry for XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX There was an inquiry for XXXX XXXX XXXX on XX/XX/XXXX There was an inquiry for XXXX placed XXXX XX/XX/XXXX Through Equifax there were also Fraudulent Inquiries made There was an inquiry for XXXX  Inquiry : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX There was an inquiry for XXXX XXXX Inquiry : XX/XX/XXXX There was an inquiry for XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX : XXXX. XXXX, XXXX There was an inquiry for XXXX Inquiry : XXXX XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX There was an inquiry for XXXX Inquiry : XXXX XXXX, XXXX I am not one to check my credit often but when I did I noticed a lot of unauthorized inquiries that were not placed by me and this has caused my credit score to drop drastically in a short period of time, I do not want what someone else did affect my credit, Ive worked hard to get my credit score up only for someone to cause it to drop and its not fair to me
Product: Consumer Loan

I want to file a complain, against AC Auto pay. I least a vehicle with this company in the past.. 
Back in XX/XX/XXXX I decided to terminated my lease and return the vehicle. At the time I only owed {$7000.00} on the vehicle. This lease was a option to buy at the end of the lease. And so every month when I make a payment. Money was put a side to buy the vehicle. At the time when I return the vehicle I have {$3000.00} save to but this vehicle. AC Auto pay sell this vehicle and put on my credit report that I owed {$5400.00} dollars. Which is wrong. 
Today I call and trying to settle this account. The representative and I came to a settlement of {$3500.00}. We divided it up into XXXX payment XXXX payment on XX/XX/XXXX XXXX payment on XX/XX/XXXX and the XXXX payment on XX/XX/XXXX I tell the representative that I need something in writing that we settle fro this amount plus I will not make any payment before this letter. She said If I do n't give her my checking account are credit cared this offer is null and void and so she hang-up the phone on me.
Product: Credit reporting or other personal consumer reports

I have included an identity theft report that included the following companies. XXXX XXXX XXXX and XXXX XXXX XXXX. I also included 3 hard inquires in the report. These accounts do not belong to me. Any payments made or contact with these companies were not made on my behalf.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an erroneous debt reported on my credit report by XXXX. This debt is not mine, yet it was removed from one credit bureau and reappeared as a new delinquent account on another, negatively impacting my credit score.

Now it is on Transunion I request your assistance in resolving this matter and removing the incorrect reporting from my credit history.

Thank you for your attention to this issue. 

Sincerely, XXXX
Product: Debt collection

Scheer Green and Burke sent a letter and my mom, being nosy, opened the letter. She called them and they discussed the situation with her and even took money from her. This debt was paid, in full, as of XX/XX/XXXX. I have provided this information to another collection agency in XX/XX/XXXX. They must have sold the debt, but XXXX XXXX was paid in full.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Failure to Provide 1099-C Form for Charged-Off Account with XXXX I am writing to formally dispute an issue regarding a charged-off account with XXXX. I have noticed that my account, [ XXXX ], was charged off by XXXX, but they have not provided me with a Form 1099-C ( Cancellation of Debt ) for tax reporting purposes. 

To summarize the situation : XXXX reported a charge-off on my account, which I understand to be an indication that they have considered the debt uncollectible. 
According to IRS regulations, when a debt of {$600.00} or more is cancelled, the creditor is required to issue a 1099-C form to the debtor to report the forgiven debt as taxable income. 
Despite the charge-off, I have not received the required 1099-C form from XXXX. 
As a result of this, I am requesting that the Consumer Financial Protection Bureau assist me in resolving this matter with XXXX. I believe that XXXX is in violation of tax reporting requirements by failing to issue the appropriate 1099-C form. 

I have already attempted to resolve this issue directly with XXXX, but I have not received a satisfactory resolution or explanation. I am now seeking your assistance to ensure that this matter is addressed in a timely and correct manner.
Product: Credit card

I was charged {$380.00} for XXXX XXXX  and I did not authorize these charges, they are saying that someone in the household made the charges therefore they will not resolve the dispute, I am the only authorized user on this credit card and the charges weren't made by me, I do not understand how I am responsible for unauthorized charges to my account when I am the only authorized user on this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX-Balance {$0.00} DEPTEDXXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX-Balance $ XXXX Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Mortgage

An application for refinance was submitted on XX/XX/2020 by Mrs. XXXX. A {$500.00} fee was paid to the loan officer who  guaranteed an approval. The company has dropped the ball in several occasions and failed to keep an open communication with the consumer to let her know the status of the application. Consumer has done several attempts to contact the company to know about the status and calls/emails hasn't been received. Consumer would like to obtain a refund of this fee as the company has failed in innumerable occasions to follow through with the process impeding the consumer to continue with another lender. Another complaint was already issued against the company and they promised to better serve consumer through this process however, this hasn't occurred.
Product: Student loan

It has been months since I first applied for the XXXX repayment plan. I originally applied back in XXXX and have since heard very little from my servicer Nelnet. Originally, they told me that I would receive more information within 10 days, and then heard absolutely nothing. After that I decided to apply again for the XXXX repayment plan back on XX/XX/XXXX, and I got the same message but at least this time I called and they put my accounts on temporary forbearance. I am XXXX months in to when I originally applied for the XXXX repayment plan and the only thing that I keep hearing is that to allow 10 days for Nelnet to review the application. It's been saying that for months.
Product: Consumer Loan

when the debt was sold they never send me a letter stating how much was the debt sold for. I send the CA MAIN STREET ACQUISITION debt validation letter. They send me back copies, and I found numerous violations with account number no contact with main street identity theft.
Product: Credit card or prepaid card

I am writing to express my deep dissatisfaction and frustration regarding an unresolved issue with my Hilton branded credit card, ending in XXXX. The entire experience has been incredibly inconvenient and confusing, leaving me feeling dissatisfied as a loyal customer. 

On my last statement, which closed last month, I had a remaining balance of {$41.00}. Seeking options to downgrade my card, I contacted one of your agents who informed me that if I chose to keep my card open, I would receive a credit of {$100.00}. Considering this offer, I accepted it and was pleased to see the credit posted to my account within a few days. However, the credit resulted in a negative balance of - {$59.00}. 

I requested a refund of the credit balance, which was thankfully provided. However, to my dismay, I recently discovered, on XX/XX/XXXX, that my statement balance still showed as {$41.00}, despite my total balance reflecting as {$0.00}. Perplexed by this inconsistency, I contacted your customer agent for clarification. Unfortunately, I was forced to pay the {$41.00}, even though I had a zero balance, with the assurance that it would be refunded to me subsequently.

Regrettably, I complied with the request and made the payment as instructed. Now, I find myself in a situation where I am being asked to XXXX American Express once again, after a few days, in order to obtain the refund that was promised. This ongoing back-and-forth and the lack of resolution are not only inconvenient but also deeply frustrating. 

As a valued customer, I expect a higher level of service and transparency from American Express. The series of events surrounding this issue has caused unnecessary confusion and inconvenience on my part. I strongly believe that this situation should have been handled more efficiently and professionally. I hope that steps will be taken to prevent such issues from occurring in the future, as they undermine the trust and confidence I have placed in American Express. I trust that you will give due attention to this matter and provide a satisfactory resolution at the earliest possible time. I value my relationship with American Express and look forward to your prompt response and appropriate action.