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

Unauthorized Inquiry transactions. I have contacted most lenders directly to speak to them and ask for information regarding credit inquiry. I was directed by lender to contact trans union immediately and start a dispute. The trans union fraud team directed me to the CFPB to file an FTC Report. 

Inquiry - XXXX XXXX via XXXX XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - IXXXX XXXX XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - XXXX XXXX XXXX  ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - XXXX XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - XXXX XXXX XXXX ; Date XX/XX/XXXX ; Ph Phone number not available Inquiry - XXXX XXXX XXXX via XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - XXXX ; Date XX/XX/XXXX & XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - SXXXX XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate account on my credit report, as I am a victim of identity theft. I recently discovered an account that I did not authorize, contract, or consent to. The details of the fraudulent account are as follows : FTC Report Number : XXXX Equifax engagement number XXXX XXXX XXXX Acct # XXXX Amount : {$7600.00} Date Opened : XX/XX/XXXX XXXX Acct # XXXX Amount {$8200.00} Date Opened XX/XX/XXXX XXXX  Acct # XXXX Amount {$2300.00} Date Opened XX/XX/XXXX XXXX  Acct # XXXX Amount {$1700.00} Date Opened {$1700.00} XXXX Account # XXXX Amount {$2000.00} Date Opened XX/XX/XXXX This account does not belong to me, and I had no knowledge of its existence until reviewing my credit report. I request that this account be investigated and removed immediately as it is negatively impacting my credit. Please find attached any supporting documentation for your review. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I know for a fact someone stole my credit card information and I lost over 400 dollars but this was like six months ago. I got the problem solved by getting a new account and a new card with new passwords and now I get this saying I owe them more money
Product: Student loan

I called to speak with Nelnet on XX/XX/2024 about XXXX about the interest accrual and why it is so high on the amount and the rep didn't even look at the account and just started making excuses ( Maybe it was interest you had before ), we haven't been accruing interest for 3 yrs and now every month it is accruing incorrectly. I want this account looked at because it makes no sense to have approx. XXXX accruing every month on a XXXX balance if the interest is 6.8 %. And what is this capitalized interest? Nobody wants to answer questions but sure are happy to collect money. I feel like we are getting ripped off out here. These reps are incredibly unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

OPENED CARD I XXXX 2015 FOR FURNITURE. DID N'T GET FURNITURE FOR MONTHS. WHEN WE FINALLY GOT FURNITURE, IT WAS ALL BROKEN. DISPUTED CREDIT CARD AND WAS TOLD NO REPORTING DURNING DISPUTE. NOT ONLY DID THE HOME DESIGN COMPANY NOT STAND BEHIND US AS THE FURNITURE IS STILL NOT REPLACED OR REPAIRED. THEY REPORTED US 90 DAYS LATE. CREDIT REPORT SHOWS NO LATES EXCEPT A 90 DAY. YOU WOULD HAVE TO BE 30 THEN 60 THEN 90. WE WERE NEVER LATE AND FINALLY PAID CARD OFF. STILL HAVE BROKEN FURNITURE THAT WAS NOT REPLACED OR FIXED. HOME DESIGN COMPANY SHOULD HAVE STOOD BEHIND US. WE HAVE SENT LETTERS AND PICTURES AND THE NAME OF THE COMAPNY THAT CAME OUT 8  MONTHS AFTER WE GOT FURNITURE TO LOOK AT REPAIR. THEY STATED IT COULD NOT BE FIXED AND HAD TO BE REPLACED. FURNITURE STORE WILL NOT REPLY AND HOME DESIGN COMPANY WILL NOT HOLD BACK THE MONEY AS THEY SHOULD HAVE! 

STAY AWAY FROM ONE STOP BEDROOMS AND HOME DESIGN SYN FURNITURE CREDIT CARD
Product: Credit card or prepaid card

Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXXbecause of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used a credit repair c ompany (   XXXX   XXXX   XXXX   ) w ho promised to get me into a home. I am filing a separate complaint against them, but this one is about the credit bureaus and them not removing the disputes that  XXXX   XXXX   XXXX  filed on my behalf. I have called and sent letters on  XXXX / XXXX / 2017 ,  XXXX / XXXX / 2017 , and  XXXX / XXXX /   2017  to all  XXXX  bureaus. They have not removed the disputes as I have requested.
Product: Mortgage

In XX/XX/XXXX I contacted Freedom Mortgage to see if I could have my PMI removed. I was told I'd pay {$150.00} for a BPO and it would be removed if it qualified. Then I received a letter stating it wasn't eligible for BPO review until after XX/XX/XXXX because I needed to pay 2 years on the house. In XX/XX/XXXX, I again requested a BPO review by secure email. I received a response stating that I would need to pay {$450.00} for an appraisal. When I called, I was told that the fee is {$150.00} and it must be a typo, but then the agent looked further and said that West Virginia is the only state that Freedom Mortgage requires a {$450.00} appraisal and not a {$150.00} BPO. Additionally, Freedom Mortgage states that even if I pay my mortgage down to 80 % of original value, I will have to pay {$450.00} appraisal fee before they will remove the PMI. Why is WV the only state that must pay significantly more to remove PMI? And once I've met 80 % of my original purchase price, how is it not contrary to the Homeowners Protection Act to have to pay {$450.00} for an appraisal just to avoid paying additional PMI?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 measure to prevent and address fraud on their platform, after 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 Electonic fund transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX XXXX SPRING OAKS CAPITAL LLC is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Consumer Loan

XXXX XXXX XXXX, received debt consolidation loan at XXXX % to payoff high interest loans. One of those high interest loans was to Navy Federal Credit Union ( NFCU ). I had XXXX write NFCU a check for {$32000.00}. On about XXXX XXXX XXXX, I noticed an unusually large amount still in my account. It appeared NFCU has not cashed their check for {$32000.00}. I called NFCU to see what the issue was. The rep stated NFCU returned the check because of an endorsement issue but they have fixed the issue and will apply the check towards the balance. The rep stated I would be getting a letter stating the check was returned but ignore it because they fixed the issue. I checked the next day and just like NFCU stated, check # XXXX for {$32000.00} to NFCU was cashed then returned. I checked NFCU website to confirm it was applied towards the payoff balance -- it was. I did the checks for the mid-month income XXXX XXXX XXXX because the next week I would be in XXXX done. I wrote the final check for {$97.00} to NFCU. Came home celebrated the holidays. Saw a large amount in my account when I was doing end-of-month checks. XXXX XXXX XXXX, I called XXXX and told them about the letter I received from NFCU. The XXXX rep stated NFCU still has the check. I checked NFCU website -- It stated the loan was paid off in full. That meant that XXXX must have credited my account instead of debiting my account or they have not posted it yet or whatever. I transferred a large amount to the saving account because they are connected. So XXXX can claim the money anytime they wanted. On XXXX XXXX XXXX, I received confirmation the loan at NFCU was paid off. Presently, forgot about the whole situation, that is why I take a lot of notes. So when XXXX take the money or call me about it, I know why. On XXXX XXXX XXXX, I tried to withdrawn {$100.00} from my NFCU account. I could not. I assumed it was because of the reported fraud. I went home to pick up brochures for a campaign and out of the blue NFCU calls me talking very fast. Basically telling me I owe them some money for some reason, and asking how do I want to pay. On XXXX XXXX XXXX, I called NFCU to get the particulars. The phone kept transferring me so I waited for the NFCU to call me back at XXXX as the rep stated because she did not have all the information, it was just dropped on her desk. I did not like that NFCU 's first inclination was to take all my money when it was so easy to see that I pay my bills on time. I have not been late on a payment to any organization for at least the last 12 years and have very good credit.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Highlighted Complaint #  1  : Equifax,  XXXX  of the  XXXX  national credit bureaus is reporting a " Public Record '' of a  Federal Lien on  my credit report. The other  XXXX  agencies,   XXXX   &  XXXX  are not reporting this lien and have never reported this lien. I have tried numerous times to dispute this item and continue to be unsuccessful.    1.  It tells me to contact the  XXXX  County Courthouse-I have called the phone number listed on the report,  XXXX , it is NOT a working number.    2.  It tells me the address is  XXXX   XXXX   XXXX   XXXX  in which the address is actually  XXXX   XXXX   XXXX   XXXX ,  XXXX  Floor.     3.   It tells me the Case or ID # -  XXXX  ... I visited  XXXX   County Court,  in person, they have no record of this case number. They told me their cases all begin with either a SC or CI.   4. In this very same report copy,   XXXX   listed an additional Social Security number for me. I have one Social Security Number, the one I used to obtain this report. They did remove the other Social Security number. Perhaps this lien went with that number?   5. I have no other proof to provide either way on this lien because it is NOT mine. I do NOT owe the Federal Government anything.
Product: Student loan

I have had a loan with ACS loan company which should now be Conduent? I have tried contacting them and their website service for logging in but it has been unavailable for a long time now. I have had an automatic payment with them for the last 5 years and have paid on time for every payment. This last payment did not go through and I can not get ahold of them. I gave them my SSN but their automated response is that I do n't have an account with them. I want to pay but I do not know what to do!
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has failed to delete unauthorized inquires on my credit report. 

The dates are listed : XXXX XX/XX/2019, please remove. 
XXXX XXXX XXXX XX/XX/2019, please remove XXXX XXXX Inquiry XX/XX/2019 is valid. 

XXXX XXXX  there are duplicate Inquires on XX/XX/2019 and XX/XX/2019. Please remove.
Product: Debt collection

Transworld system Inc has put this false account on my XXXX  credit. I disputed this account off before. Now they put it in my credit. I did call on XX/XX/2020 and they said it would be removed off of my credit for good. I got this off of my credit back in XXXX and you lied. This false accounts need to be out of my name. Nothing but fraud accounts.
Product: Debt collection

I have an old credit card debt from 10+ years ago. They harass me by called several times per day everyday. I do not answer I get letter explaining that nothing at this point is being sent to a credit reporting agency and they will not seek legal actions. 
They just continue to harass me on a daily basis. 
Portfolio Recovery
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX - XXXXXXXX : Unverified account XXXX - XXXXXXXX : Unverified account XXXX XXXX - XXXXXXXX : Unverified account XXXX XXXX - XXXXXXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified information
Product: Checking or savings account

I live at least 2 hours from the closest Chase Bank Branch. I established the accounts online and it would not let me add my wife when I opened the accounts. I want to add her to all accounts with chase as an owner, but they now require that I drive to the branch and have with me to add her as an owner. I am XXXX years old and it is a hardship to travel. I would like to add her as an owner online but bank policies will not allow that. If I pass on before her, I need to have her on it as an owner so that she will not have a problem claiming the funds in my accounts. What can be done for me?
Product: Credit reporting or other personal consumer reports

Experian has allowed XXXX XXXX to remain on my account as a negative item with no documentation or proper records and refuses to remove this. I have given explanation as to why - no knowledge and no, this account is not mine. It is sitting with someone elses name ( XXXX XXXX ) who I do not know, nor have I ever shared an account with anyone by this name. This needs to be removed. The company never provided actual documentation or evidence to support this account and experian allowed it to remain and gave a generic statement when this was disputed previously.
Product: Debt collection

My TD credit card was lost in XX/XX/2021. I locked the card immediately when I realized it. I always pay credit card balance on time. But after I locked my card, my credit card was still be charged monthly by XXXX XXXX. I called the fraud line of TD, every call is holding for over one hour. And problem is never solved. Finally I have to close the account. But the credit card keeps charging the monthly payments plus the Penalties, fees. And put me to collection, damage my credit. 

I also locked the second card for the account. 

Im not supposed to receive these charges
Product: Prepaid card

I STARTED A DISPUTE IN MAY IN REFERENCE TO OVERDRAFT FEES TOTALING {$2900.00} FROM A RENTAL RECEIPT ENDING AT THE END OF XX/XX/year> THAT RENTAL AGGREEMENT WAS XXXX # XXXX. WHEN I FIRST FILED THE DISPUTE IN XX/XX/year> I ASKED THAT EVERY TRANSACTION BE DISPUTED ON MY ACCOUNT RELATED TO XXXX CAR RENTAL XXXX FOUND BANK CONTINUOUSLY ARGUED WITH ME USING SEVERAL REPRESENTAVIVES TO XXXX ME THROUGH EMAIL, STATING THERE WAS A THOROUGH INVESTIGATION ON EVERY TRANSACTION DURING MY DISPUTE WITH THIS CONSUMER { XXXX CAR RENTAL } FOUND BANK DID NOT CONDUCT A THOROUGH INVESTIGATION BECAUSE IF THEY WOULDVE THEY WOULDVE KNOWN ABOUT THE ORIGINAL RENTAL AGGREMENT # XXXX TOTALING {$1000.00} MY DISPUTE CASE WAS NEVER THOROGHLY INVESTIGATED FOR OVERDRAFT FEES I ALSO LEARNED THAT THERE WERE SEVERAL CHARGE BACKS THAT WENT BACK INTO MY ACCOUNT WHERE MONEY ISNT ACCOUNTED FOR FROM XXXX XXXX XXXX CALLED THEIR DISPUTE TEAM EVERY DAY TO GET THIS RESOLVED FOR MONTHS NOW ITS THE END OF THE YEAR U CANT EVEN TALK TO ANY DISPUTE REPRESENATIVE ON THE PHONE THEY NEVER ANSWER THROUGH CUSTOMER CARE AND THEY MISCONSCREW EVERYTHING ABOUT YOUR MONEY IN YOUR DISPUTE AND OVERDRAFT FEES AMOUNT XXXX XXXXWHAT IM ADDRESSING TODAY IS CARELESS INVESTIGATION DURING MY DISPUTE & OVERDRAFT FEES THAT WERE REPEATEDLY TACT ON FOR IMPROPER INVESTIGATION BY FOUND DISPUTE TEAM UNRELATED TO MY FIRST COMPLAINT with the CFPB!!! STARTING IN XX/XX/year> I TRANSFERRED A TOTAL OF {$7000.00} into my found account the more money i kept transferring the more problems i had with found bank product { XXXX XXXX  }!!! So how did i have XXXX overdraft fees? That does not add upXXXX  Where did my {$7000.00} then when a charge back came into my account from the consumer for the amount of XXXX they blantly took the overdraft fees without doing a thorough investigation on the dispute/overdraft fees and this is why we are still here because they didnt investigate my account properly from the beginning of XX/XX/year> FOR INACCURATE OVERDRAFT FEES ON MY ACCOUNT...
Product: Student loan

I was never once told about the income driven repayment option. I have XXXX kids and sometimes things are right and we needed help. These options need to be disclosed to every customer when they need the help
Product: Payday loan, title loan, or personal loan

Attached is a write up of the issue. I'm not sure if I have a case. Thank you.
Product: Debt collection

Conserv account has been paid. 

This item paid collection account from XXXX XXXX account number XXXX paid in full XX/XX/2019 is inaccurate because I have paid off the collection account. I am requesting that the item be removed to correct the information.
Product: Credit card

I would like to dispute the transaction made to XXXX on XX/XX/2023 for {$620.00}. Reference : Reference number XXXX The Vendor, XXXX XXXX, agreed to refund but the purchase still shows up on my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to each company, we're fraud inquiries and fraud accounts in my name. 

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

I am a victim of identity theft. I've contacted Equifax about the theft. I included a theft report, a dispute letter, driver 's license, social security card and power bill. It has been over 30 days and they have not returned a response nor have they removed the items off of my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, mt credit reports on all three show different amounts owed and different remarks. Due to these errors my credit score decreased by XXXX points. The oldest age for my student loan account by XXXX XXXX is 22 years and one month. There are balances still reporting throughout all three credit bureaus. XXXX Equifax and XXXX are showing different things. Some say closed and some are still opened. This has impacted my credit score tremendously and need to be corrected. The student loan company has confirmed That I do not owe a balance