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

To whom it may concern, These inquiries reporting on my credit file do not belong to me. please remove them as soon as possible inquiries for dispute : XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date FiledXX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX  Date Filed XX/XX/XXXX XXXX  Date Filed XX/XX/XXXX Nature : not mine
Product: Credit card

I noticed that I kept having two interest charges on my statements each month. The first was " STANDARD PUR '' and the second was " PUR PR XXXX. '' I couldn't find any of what this meant in the glossary on their website, so I reached out to them. I was told that this was an interest for " amount unpaid for the purchases prior to XX/XX/XXXX. The unpaid amount is {$2300.00}. '' I pay more than the minimum each month, and have paid more than that amount in XXXX alone. I was then told that " The minimum payment is first applied to any interest charges, late fees, and past due amounts ( if applicable ). The remaining portion of your minimum due will be applied to the balance with the lowest interest rate. Any amount paid over the minimum due, will be applied to the balance with the highest interest rate to lower interest rate however it will be applied to billed transaction before unbilled. If you have more than one balance at the same promotional interest rate, and no other balances at a higher interest rate, the payment is then applied to the promotional offer that expires first. '' I read this a few times and I'm still yet to understand why my payments aren't being applied to the oldest charges. I confirmed that my current purchase APR has a variable rate of ( XXXX 8.5 % ) + 11.99 % totaling 20.49 %, and that my purchases prior to XX/XX/XXXX have the exact same. I have requested all of my statements to see how much I need credited back to my account, but it takes 48 hours for them to pull this information. There was also no way to save the transcript between me and the rep of the company. To reiterate, I am not asking on charges on standard purchases, but why I'm STILL paying INTEREST on charges from over a year ago when I've paid much more than that balance even just in XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I checked my TransUnion and XXXX credit reports and noticed inaccurate unlawful and unverified late payments from XXXXXXXX XXXX XXXX 15 USC 1666 ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Is being violated no notice was given and all payments were made. I have attached receipts from both companies.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 charges for items not purchased as a result of charges put on my account without purchase validity.
Product: Debt collection

Beginning XX/XX/XXXX, I initiated the process to close my water delivery service with XXXX. I communicated with them repeatedly from XX/XX/XXXXXXXX  through XX/XX/XXXX requesting final bill for the water cooler and closure of my account. Finally on XX/XX/XXXX, in response to my inqury about the cooler once again, the company notified me that " ... we took a look at your account and saw that we took care of it. ". 

In XX/XX/XXXX, XXXX began sending me past due notifications with threats to send me to a collection agency. Every emailed notification and attachment indicated " Amount Due : {$0.00} '' and they would not respond to reply emails. 

Beginning XX/XX/XXXX, I began receiving notifications from Associated Credit Services presenting themselves as a debt collector and indicating I owed two separate amounts from my former ReadyRefresh account. 

I used their provided dispute method to submit a dispute of the debt at https : //payacs.com/contact-us/. Nobody has responded to my dispute and ACS continues to send threatening emails regarding amount owed with a deadline of XXXX
Product: Money transfer, virtual currency, or money service

Recently, a friend sent me {$1700.00} on CashApp. Expecting a smooth transfer to my primary bank account with XXXX, I chose the free transfer method to avoid fees, as I had done in the past. However, the funds were unexpectedly deposited into a dormant XXXX XXXX XXXX account instead of my XXXX account. I was unaware this XXXX account was even linked to my CashApp profile. 

To retrieve my funds, I had to contact XXXX to gain access to the account. I then attempted a deposit back to CashApp, assuming it would pull from XXXX, as the branch is over an hour from my location. Instead, CashApp debited the amount from my XXXX account, causing an overdraft and other complications. 

I contacted CashApp support to request a waiver of instant transfer fees to expedite a refund to my XXXX account, explaining that this was an unintended error. My request was denied. Additionally, my bank informed me that CashApp attempted the debit multiple times before it succeeded on the third attempt, adding more confusion and unexpected fees. Overall, this incident has now cost me {$29.00} in instant transfer feesthe very fees I was trying to avoid. 

I am requesting that CashApp refund these transfer fees. Due to this error, I now have to make a time-consuming trip to the XXXX branch to access my funds, incurring additional travel expenses. I have valued the convenience of CashApp, but this experience has caused undue stress and financial burden.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 15 U.S. Code 1666b I recently reviewed with my credit report and noticed an account that was not reported accurately I had one late payment on an account that I was in fact paid on time but consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments. I've attached my credit report to this complaint on these dates XX/XX/XXXX XX/XX/XXXX. I'm now requesting you investigate these accounts and update these late payments to be paid on time immediately thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I have been disputing this negative item that is not 100 % correct on my credit report for some time now. Equifax is disregarding my dispute and continues to report the item in violation. This is unfair to me as a consumer.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$11000.00}
Product: Credit card or prepaid card

I generated credit report by XXXX on XX/XX/XXXX and was surprised to see XXXX XXXX/Synchrony account/ XXXX XXXX XXXX and the charge. 
Detailed scenario is as follows '' I had visited XXXX XXXX XXXX, XXXX XXXX, CT on XX/XX/XXXX and purchased few items. On payment counter, I submitted my personal information along with my social security number to apply for XXXX XXXX   credit card. As per the executive at the payment counter, my credit card application could not be processed. Hence I had to swipe Discover credit card which I had that time. 

Apparently XXXX XXXX charged me {$37.00} to XXXX XXXX credit card instead of Discover credit card. When I tried to check my discover purchase history, I was unable to find the XXXX XXXX transaction. Also verified with Discover customer care that the transaction was not completed and hence can not be located. 

I am not agreeing to the disputed charges as the XXXX XXXX XXXX have not issued me any card till date. Also, I have never received any kind of communication. Not an email, letter notification or even a phone call, for the pending charges neither from XXXX XXXX nor from XXXX. 

I have approached myself to XXXX XXXX, XXXX XXXX  & then XXXX for clearing this pending amount appearing on credit report where I raised a dispute with XXXX. 

I received a letter from XXXX on XX/XX/XXXX stating " We have already responded to previous dispute same as the present dispute and the matter is closed from our side ''. I have attached all the communications from XXXX till date where they are not giving me proper response for the queries I raised. 

Could you please investigate this issue and help me to resolve this without penalty charges as this issue happened due to carelessness of XXXX XXXXXXXX XXXX. 

Appreciate your help, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion & XXXX  are both reporting a bankruptcy. They have both stated this has been verified. This is false information. XXXX   does not report this information. XXXX XXXX and other credit reporting agencies have not reported this information. The GA US Bankruptcy court has not reported this information. I have asked that this be removed from my TransUnion & XXXX files but they have both stated it was verified but have never provided proof of verification. This is not fair to me and this false information should be removed from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account ( letter attached ) has an inaccurate late reporting on my credit reporting agencies all three. 
i have received a letter from XXXX XXXX XXXX itself stating that this inaccuracy must be removed, please help me to have this removed from credit bureaus. 
thank you
Product: Debt collection

Requested they not call after the first and second call. They have continued to call every morning minutes past 8 am and also some nights. Since Im on a second shift time table this repeated interruption has cause loss of sleep.
Product: Student loan

My federal student loan servicer is Nelnet. I have had the absolute worst experience with this company. I have called 3 times and have received misinformation from the call center representatives on all occasions. I applied for SAVE on XX/XX/XXXX. I received an email confirmation from FSA that my application was processed. Even when I login to my FSA account, it shows that the loan servicer has reviewed and processed my application on XX/XX/XXXXXXXX  and it's now considered 'Closed. ' However, when I log in to my Nelnet account it showed my repayment plan was still 'Income Based ' which was the initial plan I applied for on XX/XX/XXXX. So even though they processed my SAVE application, their system did not update the status. Due to this error, I have since accrued capitalized interest on my loans since XX/XX/XXXX. I called Nelnet on XX/XX/XXXXXXXX  and was told by the rep that only my IBR application processed and that the SAVE application is still processing ( even though it had been over a month since I applied ). The rep stated since I applied on XX/XX/XXXX, that Nelnet would backdate the interest and therefore, all the interest that had accrued since XX/XX/XXXXXXXX  would be removed. She assured me of this! I did not feel confident in her response, so I called again on XX/XX/XXXX and spoke to XXXX. She stated she sees my SAVE application still in processing but wanted to make sure, so she placed me on a lengthy hold to speak to a supervisor to confirm. She then returned and stated that my SAVE application will be processed any day now and that nothing additional from me is needed. I gave it another week and still nothing processed. So, I called again on XX/XX/XXXXXXXX  and immediately requested a supervisor. I spoke to XXXX, who stated he's a supervisor. He reviewed my application and stated they needed my most recent paystub and that was the reason for the delay. NO ONE else told me this. The prior two reps I spoke to said nothing was needed and that it would process, and all interest will be backdated and now I'm being told by a supervisor that they need my paystub. I immediately uploaded my most recent paystub to their online portal. XXXX stated it should process by Wednesday of next week since my application has been pending since XXXX and they process in order received and my application is considered older. It's been 10 days since that phone and still NOTHING has processed. I am absolutely furious at the customer service I have received. Clearly, no one at Nelnet has any knowledge and just gives their customers misinformation. As of XX/XX/XXXX, my loans have accrued {$300.00} in interest since interest restarted on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act convergent accounts XXXX  XXXX Reported : XXXXXXXX XXXX XXXX  + {$200.00} Closed XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX  {$180.00} Closed has violated my rights. 

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.
Product: Money transfer, virtual currency, or money service

Venmo locked my account They asked for all my information like my ID and bank statements to verify who I am and I uploaded all of them and they say that the Documents are not good enough Everythings accurate my ID matches my account my ID matches all my bank statements and theyre just holding my money its been almost a week. 
They want me to upload my virtual XXXX XXXX  card statement An XXXX  will not provide a statement showing my card number Its just a Bank number with all my withdrawals and deposits So since my wallet is not on my statement they will not give me my money back or unlock my account. 
This all happened because I left a waitress a {$10.00} tip I spent all my money on my account unknowingly and they took the 10 out and put me in the negative XXXX. I had the funds in the account and they fixed it and reported me as spam
Product: Credit reporting or other personal consumer reports

Subject : Notice of Reinvestigation Regarding Payment Records I am writing to formally dispute the assertion that my payment was late, referencing the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and to invoke applicable sections of federal law related to consumer protection. 
In accordance with 15 U.S. Code 1681s2 ( A ) ( 1 ), I am exercising my rights as a consumer to dispute inaccurate information that may have been reported regarding my account. I request that you provide me with all GAAP-compliant financial statements and all other relevant internal records to substantiate your claim regarding the alleged lateness of my payment.

Additionally, under 15 U.S. Code 1666b, I seek verification regarding the timing and processing of my payment, ensuring compliance with established billing procedures. I also wish to emphasize that, as per 15 USC 6802 ( b ) ( c ), the handling of my personal information must be conducted with the utmost care to ensure accuracy and fairness in reporting. Lastly, under 15 USC 1681, Section 602, it is my right as a consumer to know the nature of any information that has been provided to consumer reporting agencies concerning my credit before being reported. 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. In which I received no written request to allow my nonpublic information to be reported by XXXX XXXX XXXX, Experian, XXXX, or XXXX which is a violation of federal laws such as the privacy act of XXXX. 
Also you stated in a response via cfpb complaint number XXXX that As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation. I believe I have fulfilled my credit obligation to your company so to ensure the accurate books for both parties please send the documents I requested above to settle the matter as soon as possible. To be clear I am requesting all GAAP-compliant financial statements and all other relevant internal records in connection with I, XXXX XXXX account XXXX XXXX and the contract XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Previously I supplied a copy of my police report, FTC report, proof of identity, and proof of address. Some of the resulting information was blocked as a result of FCRA 605. However not all the information has been blocked. Therefore, I am again submitting my request. Proof of identity, my identity theft report.
Product: Credit reporting or other personal consumer reports

XXXX is been reporting an inquiry with XXXX XXXX XXXX dated XX/XX/year>. I had not authorized this company to do any credit check or even have any personal business with this company
Product: Checking or savings account

XX/XX/year> : Attempted to deposit 2 checks into a Capitol One approved atm located at XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
I deposited 2 checks 1 for {$130.00} and 1 for {$750.00}. I inserted my debit card, entered my pin, followed the instructions on the screen, I stacked the checks as directed and inserted them into the machine. The machine then displayed a photo of the checks and instructed me to verify the amount of the 2 checks. 
The machine then displayed a message saying the transaction could not be processed and it appeared to attempt to return the checks to me. The door of the slot to insert checks opened but the checks did not eject. The machine then produced 2 receipts, 1 stating " Transaction Not Allowed '', 1 other receipt stating, " One or more deposit items were unable to be returned due to a technical problem ''. The screen displayed a message instructing me to take the receipt to the teller to correct the issue. This was a Sunday. I went to the bank the next morning and was instructed by the employees to take the matter up with Capital One as they were unable to help. 

XX/XX/year> : I filed a claim concerning the matter with Capital One. They deposited a temporary credit into my account for the amount of the 2 checks. 

XX/XX/year> : I sent Capital One images of the 2 receipts produced by the atm and information about the bank & atm location. 

XX/XX/year> : Capital One informed me that my claim had been denied. I contacted Capital One and was told the denial was due to " An inability to reach the merchant ''. I asked that the case be reopened as that reason did not make sense since I was able to call the bank, they should be able as well. I was told by the customer service rep that the case would be reopened. 
I sent Capital One a screenshot of their website listing the location of the atm I used, a photo of the atm along with the previously sent images of the atm receipts. 

XX/XX/year> : I sent Capitol One the telephone number of the bank 's branch manager to resolve their inability to reach the merchant. 

XX/XX/year> : Capital One emailed me to inform me that the denial will stand. I called to find out the reason and was told that this time it was due to my using the wrong atm. I informed the rep that I used an atm listed on their website as a Capital One approved atm. I asked that they check their site so they would see the only reason I tried to use that atm is because their site listed the atm. 

XX/XX/year> : Captial One emailed me that their denial still stands. 

XX/XX/year> : I received the documentation from Capital One. The documents are just copies of my account statement for the date of the credits they gave me for the checks. There is no information on how they came to the decision to deny my claim.
Product: Debt collection

on XX/XX/, Ace cash express called me and left a voicemail threatening to " locate '' me and that they threatened to file suit against me if i did not call and pay. I called scared and talked about a payment plan. I did want them to have my card information, so after the call attempted to reach the person who left the original message. After being unable to reach them, I was call today by the same lady who left a voicemail that they will disclose my information to my employer and " locate '' me, despite them giving them my address. I have noticed that they have been charged with the same offences that have happened to me, such as threatening to file suit if I do not pay them. I would like to see what can be done. They also threatened to " use my recording against me. ''