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

This is so annoying! I am so dazed about this situation. I have submitted the same complaints XXXX times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. TRANSUNION has not been act in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I recently filed a complaint with the CFPB over my private student loans currently serviced by Navient. All of my loans are for XXXX XXXX XXXXXXXX. Recently, the federal government discharged all federal loans due to fraudulent behavior on the part of XXXX XXXXXXXX XXXX and XXXX XXXX/Navient XXXX This prompted me to file my initial complaint with the CFPB which led to Navient sending me a School Misconduct Application. I carefully filled out the application and attached as much information/evidence as I could find online. All XXXX of my loans were denied. The only 'reason ' provided was as follows : 'Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ' This is not good enough for me. I want the reason for the denial. I want a chance to appeal this decision. Considering how quickly they responded to you after my last complaint, I decided to file another with you. My next step was to reach out to Navient and to try to get more clarification. In addition, I have reached out to a wonderful organization, The XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), for more guidance. I appreciate your help in this matter and look forward to your response. Thank you
Product: Debt collection

What AmeriFinancial/24 On Physicians is doing is, taking a legitimate bill and are changing the account numbers by one digit or the dollar amount by a dollar or so and resubmitting them to the credit bureaus. They will keep getting around it by changing the amounts or account numbers. 

I wake up every day and see that my disputes are successful but they turn around and change the numbers and/or amount and they pop back up again. 

The last number on the account number is an X so I dont think theyre accurate since both collection agencies are doing this. 
As you can see on the screenshots, they have a {$150.00} account and a {$55.00} account. BOTH OF THESE ARE THE SAME BUT DIFFERENT AMOUNTS. Its made to look like I have 2 accounts in collections with them when I dont. 

MY ATTORNEY HAS CONTACTED THEM AS WELL AS THE ORIGINAL CREDITOR BUT THEY CONTINUE TO HARASS ME AND DAMAGE MY CREDIT
Product: Credit card

On XXXX XXXX I made a purchase in the amount of {$2600.00} using my Costco anytime visa by Citi, with the understanding that I would be given the option to take advantage of their program called Flex Pay. Before making the transaction I had spoke to a Costco employee who had used the program for a {$2000.00} purchase and was offered a 24 mo term. Great, the transaction posts and Im only offer 6mo. I call and ask why, but was basically told that the employee was wrong and that was the max term. Today XX/XX/year> I get an email stating that this same transaction is eligible for the flex pay ( I already accepted the 6mo option ), but theres a picture that shows a {$750.00} transaction with a 24mo option. So I call citi ( after using their chat feature with zero success ) speak to a supervisor ( XXXX ) and he even spoke to his manager and not one was able to explain to me why I with really good credit and a limited balance as compared to my limit ( which theyve increased multiple times without me asking for ) I was only offer a 6mo option and not 24 as others have been offered and they show in the advertising email. There has been no disclosure, no reason, nothing other than here are the terms take it or not. ( Which is also almost verbatim what the supervisor told me they were told by marketing ). This feels to me like its on the verge of a fair credit disclosure violation.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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.
Product: Money transfer, virtual currency, or money service

The owner of Celsius Network, XXXX XXXX, described Celsius like a bank but operated like an unregistered hedge fund with extremely risky investments. They then froze all withdrawals on XX/XX/2022. I currently have {$35000.00} with them and they have lost my money and froze my account. This is contrary to everything XXXX XXXX has stated in his XXXX videos even up tho the week he froze my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my credit report that should not be on there are : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The data breach really affected me and my credit score. I did not apply for a car loan at those places mentioned above for i am not employed and have not been employed. The incorrect information on my credit report has my credit score below where it suppose to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN was hacked due to Equifax security breach.
Product: Credit reporting or other personal consumer reports

The bank sent me several messages indicating they were unable to refund my over payment due to " active disputes '. 
I tired to withdraw the disputes, but was not allowed to do so, in order to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, Bank of America 's online bill pay system sprouted some technical bug, due to which it misses the last digit " XXXX '' of my primary bank- XXXX XXXX XXXX - account number. I had autopay set up on my BofA card with the very same XXXX XXXX account number for years now. Due to this, there was an approx. {$13.00} missed payment which I did not notice ( since autopay was set up! ), which cause a XXXX point drop in my credit score. I have never missed or had a late payment before in the last 7 years of banking with them ( or any other bank for that matter ), and I never carry a credit balance. I promptly paid off the {$13.00} as soon as I noticed the issue, the month after the payment was due. 

When I called BofA customer service countless times to resolve this, they have been unable to fix the technical issue, and they have refused to fix the mark on my credit report for an error that is due to their system. If their customer service uses the same XXXX account I have saved/linked on my account, to make a payment over the phone, that process just fine - So it is 100 % not an issue with an incorrect account number or any such thing. I am lost now, and have been unable to escalate this to someone who can actually make a difference. Extremely frustrating. 

Next, I disputed this transaction with the credit bureaus, explaining the technical glitch that BofA has and has been unable to resolve for me, yet XXXX ( and the other 2 bureaus too ) have refused to fix this delinquency mark on my credit report which has brought down my credit score by about XXXX points, and has actually affected my life and my ability to take on more credit, even though I have plenty of savings and am a high earner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made more 3 types with Experian, XXXX and XXXX XXXX to update my personal address to my credit reports. They continued to denied my request. I also advised that any social security numbers that have listed to my account are to be removed and they have not compiled with request. Also, they are listing multiple contact phone numbers to my report. And I advised I have no numbers listed. I see that here you state not to list personal information in compliant as to have them update account. Please can you assist to have it updated and request to show updates to my report. 

Thanks, XXXX XXXX
Product: Debt or credit management

Told me after I pay that my credit will be fixed and never did so and never got back to me but took my money
Product: Credit reporting

XXXX student loans are reporting monthly payments due of over XXXX dollars. This was fixed by Transunion about two months ago as they are not in repayment. However, this month the accounts report once again as if in repayment. Enclosed proof all these loans are deferred and do not have a payment amount due each month. The last time I had to complain to CFPB as TU refuses to help me..
Product: Debt collection

Nationwide Credit Corporation ( XXXX, VA ) continues to call me daily to collect a {$40.00} medical debt from a doctor I do not believe I have ever seen. 

I have spoken with their representatives many times over the past month or so. They are generally nice until I request a Debt Verification letter, then they turn hostile and begin shouting at me. I understand my rights and will not make a payment until they have provided a verification letter. I have no problem paying this debt if it is in fact mine, but I don't think it is. 

They claimed to have sent a letter to me, but I have not received one. I asked if they sent it certified, but they declined to answer, so how do I know they sent it or are just lying like another shady debt collector? I can't possibly know!
Product: Credit card or prepaid card

I had an authorized user on my card that no longer paid their bill so I suspended his card, I was then charged with a XXXX dollar fee for a rental that he had with his suspended credit card. My credit cards limit was only XXXX and the credit card company made that payment that put me over the limit by XXXX. I disputed the charges and they still charged me for my authorized users purchase with his suspended credit card.
Product: Debt collection

Collection account from RADIUS GLOBAL SOLUTION with account # XXXX and a balance of {$3300.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account
Product: Credit card

On XX/XX/year>, I placed an order over the phone at XXXX in XXXX, Oklahoma. I ordered a buffalo chicken sandwich. When I picked up the sandwich shortly before closing, I did not inspect the sandwich until I got home. When I got home and opened my sandwich about 10 minutes after pickup, I noticed there was no buffalo sauce and that the chicken was gray and rotten. I called back to the store but they were closed. Therefore, I called back the next day and asked to speak to a manager and he refused to refund or remake the order because I didnt tell them about the issue on the night I received the order. However, I did try to inform them about the issue the night of, but by the time I got home and called the store, they were closed. I am not paying {$11.00} for a sandwich that is not edible due to it being rotten and incorrect.
Product: Debt collection

I went into XXXX XXXX to purchase a blouse to match a pair of pants that I didn't have with me. I picked up some blouses and was told that if I open a XXXX 's credit card I could get a discount. I opened the account there. Upon returning home, the blouses did not go with the pants. I returned ALL items, and was told be the clerk that the balance was now zero. I started receiving bills for a balance, but I had returned EVERYTHING that was charged, so I should have had a zero balance. I called XXXX 's several times, and was finally connected with the fraud department. They came to the conclusion that the clerk did not scan in all items for the credit. Fraud dept told me that they would start reversing late fees and it would take several months to reverse all charges. I have NOTHING from XXXX XXXX. Now, I'm getting calls from a collection agency for nothing but late fees, when everything was reversed. This is ruining my credit. Please help. Also, when I spoke to the fraud dept, I asked that they cancel my card. They did and said that everything would be taken care of with a zero balance and offered their apologies. I don't know what else to do. I have nothing from XXXX XXXX and owe them nothing.
Product: Mortgage

My mortgage company failed to report my mortgage payment to the Credit Bureau which is affecting my credit scores and I have complained to this company multiple times to avail. This action has effect on my financial growth and well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following accounts have been disputed several time through out 2021 last disputed XX/XX/2021. The accounts were marked as verified. However the information his not accurate, complete or even update. None of the information is the same across any of the XXXX credit bureaus XXXX XXXX XXXX XXXX date is wrong, payment history is wrong, missing data for several different months, but then reports again. 
XXXX Co XXXX XXXX there are 3 different accounts listed for XXXX and Experian I have called the courts, spoke with a judge. They agree that this should not be listed in my credit report. My oldest son is 9 however there is not 9 years of payment history. 
The monthly amounts are not correct, The status dates are not consistent, Payment history is in accurate and incomplete. Experian shows collection out of the blue with no prior payment history. 
XXXX XXXX XXXX Status updated is wrong and inconsistent, payment history is inaccurate/incomplete, no consumer statement that it was disputed
Product: Credit card or prepaid card

Card used for one fraudulent purchase. Citibank chose to text me at XXXX XXXX (! ) and call multiple times beginning at XXXX XXXX, which was XXXX XXXX  because I was traveling in XXXX. 

Why did they not simply send an email or letter about that fraud? Asked me about two or three other  charges and those were legit. 

Upon statement review, I have found other fraudulent charges and it's been a HUGE pain to get them to do anything about the other fraudulent charges. Including a 1-way ticket from XXXX to XXXX on XXXX XXXX for a passenger who's name does NOT match my name as cardholder. 

Complaint 1 ) NO TEXTS OUTSIDE OF BUSINESS HOURS Complaint 2 ) NO CALLS BEFORE XXXX XXXX   EASTERN IN CASE CUSTOMERS ARE TRAVELING IN THE US Complaint 3 ) MAKE IT EASIER TO DISPUTE CHARGES. SHOW THE SAME SENSE OF URGENCY IN FIXING FRAUDULENT CHARGESAS THEY DID TO CUT OFF MY CARD. 

It's clear they care a ton about Citi. Too bad they don't care about their customers nearly as much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this accont from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX XXXX XXXX XXXX Balance Owed : {$4600.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Immediate Removal of Outdated Information from Credit Report and Compensation for Violations Dear XXXX XXXX XXXX and Equifax Information Services LLC , I am writing to request the immediate removal of outdated information regarding my accounts from my Equifax credit report dated XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ), negative information such as late payments or collections should not be reported for more than 7 years from the date of first delinquency. 

The accounts in question are : 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 Since the last activity on these accounts exceeds the 7-year reporting limit, they should no longer appear on my credit report. I kindly request that both XXXX XXXX XXXX and Equifax investigate this matter and take the necessary steps to ensure this outdated information is removed from my credit report promptly. 

Federal and State Law Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681c ( a ) ( 4 ), the FCRA mandates that negative information such as late payments should not be reported for more than 7 years from the date of first delinquency. The continued reporting of these accounts violates this federal law. 
New York State General Business Law ( GBL ) 380-j : This state law similarly restricts the reporting of adverse information to 7 years. The ongoing presence of these outdated accounts on my credit report is in direct violation of this statute. 

In addition to the removal of this outdated information, I am seeking compensation for each violation of my rights under both state and federal laws. The continuous reporting of this outdated information has caused significant harm to my creditworthiness and financial well-being over an extended period. 

Based on these violations and the harm caused, I am demanding compensation in the amount of {$10000.00} per violation. Given there are four violations, the total compensation requested is {$40000.00}. This amount is intended to cover damages related to the negative impact on my credit report, financial distress, and any other related inconveniences. 

Please confirm in writing that this correction has been made and provide details on the compensation for the violations incurred. If this matter is not resolved to my satisfaction, I will consider pursuing further legal action. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

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

I REQUEST FOR THIS COMPLAINT TO BE REVIEWED BY A HUMAN. 
Please reference CFPB Complaint Number XXXX I submitted my original complaint on XXXX. I received an email notification from CFPB stating that the complaint was closed on XXXX. When I read the reason that CFPB Complaint Number XXXX was closed, it stated that the account was never on my credit report/ and or had been removed. Confused, I called into CFPB and spoke to customer representative XXXX. XXXX read back the information to me on the phone, stating that the account is not on my credit report. Please note that this is incorrect information. 

On XX/XX/2022, I waited to pull my credit reports from all three credit bureaus- XXXX, XXXX, and TransUnion. Currently, the account in dispute - XXXX XXXX XXXX  Account XXXX is still reporting negatively on my XXXX and TransUnion credit reports. This account is reporting twice ( double jeopardy ), on pages XXXX and XXXX of my TransUnion credit report and also reporting on my XXXX credit report. I have attached my current credit reports for your review. 

15 U.S.C 1681c ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any 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.

XXXX XXXX XXXX XXXX  has violated my rights under 15 USC 1681. This company continues to falsely misrepresent that I owe an alleged debt to them to the credit bureaus. I do not now, nor have I ever had a signed written agreement to do business with XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

I was making payments and the car got repossessed so i got it back by buying it back from the auction it was at and the car came back with so much damage and i called the tower and reliable credit asking for some compensation it was effecting the way it drove and it was not safe they never got back to me and told me there was nothing they could do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint will serve as a follow-up to my previous complaint which contains the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XX/XX/XXXX I want the disputed items to be deleted from my file for their fraudulent status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act SBNASELFLNDR Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat payment on a credit account under an open-end consumer credit plan as late for any reason.