23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Recurring charges from Square XXXX showing up on my XXXX  account statement even after being issued new cc # by bank. 

1st charge showed up on XXXX  cc acct : XX/XX/21 {$84.00} amount was disputed and reversed, cc # was replaced by bank 2nd charge showed up on XXXX cc acct : XX/XX/21 {$57.00} amount was disputed and reversed, bank rep put a block on company to stop any further future charges, cc # was replaced by bank 3rd charge showed up on XXXX cc acct : XX/XX/21 {$57.00} I have not yet disputed amount with bank yet, but spoke with a fraud claim rep that I go to the company site which has a form to pull up receipts of charges processed with them. Also, the rep says that it looks like recurring charges and they have no way to stop the company from charging again since it's coming from XXXX that's allowing it to have uninterrupted service, XXXX will just update it with the new cc #. Rep says they aren't able to contact XXXX and resolve it either. 

I have contacted the company but only thru a message advocate ( by online chat/messaging ) and he told me that I had to file a police report and then go to their online page to file a " law enforcement information request form '' ( https : XXXX ) for that team to investigate the situation. 
Within the chat window, I sent the rep screenshots of the 3 separate charges from my bank account that showed the trans date, card type, trans type, merchant description, merchant info, ref #, merchant name, etc. of the charges. The rep looked into the info sent but said he couldn't block/close the account that's charging my card but only the team that deals with the law enforcement would be able to do it. 
I have copied all the text in the chat transcript for my records. The rep sent me a copy of the transcript but it's in a format that's unable to open up on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been reporting fraud on my credit report, a lot of unknown inquiries TransUnion fail to investigate under FRCA 1681i, Mailed my FTC fraud report in via certified mail and they still fail to investigate.
Product: Payday loan, title loan, or personal loan

I did not realize that this loan company was operating illegally in the state, they are charging an interest rate of 539 %. Which is extremely higher than the rate that is allowed in the state. I have reached out to them to have them consider my account settled for the many payments I have already made. They have not responded as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with the company Affirm. I guess I either forgot or didnt realize I had a balance. And it showed up on my credit so I paid it off in XX/XX/2022. Every month they are reporting it as non-payment since XXXX till now. I have disputed it XXXX times with no results. When I called the company itself it shows I have a XXXX balance as of XX/XX/2022. Yet they keep reporting to the credit bureaus there is no payment and I still have a balance. I have requested this to be corrected XXXX times and I have submitted a copy of the invoice showing I paid. And yet every month it shows no payment. This is hurting my credit and Im trying to buy a house which I can not do because of this error. I even submitted the invoice to the credit bureaus and they will not take it off because they think I have a balance which I paid in XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent XXXX, XXXX, and Equifax letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them in a pdf. 

They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. 

I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in red pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. 

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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 XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

XXXX Student loan {$5500.00} Great Lakes Borrower XXXX Student loan {$5500.00} XXXX XXXX XXXXXXXX XXXX Started paying on Student loan with Great Lakes Borrower XXXX Called and spoke XXXX at Great Lakes Borrower requested that my auto debt student loan payments to continue as I was working fulltime and didnt need my loan to deferred. 

XXXX Received letter indicating Great Lakes Borrower Service had sold/transferred my student loan to nelnet. Letter mentioned my monthly auto debt of {$120.00} would continue as it had with Great Lakes and no changes would be required from me. 

XXXX Received statement from nelnet indicating I owed {$60.00}. nelnet had listed my student loans as XXXX XXXX  and XXXX XXXX and applied the entire {$120.00} to group AA instead of breaking this down to into both groups. Spoke with XXXX and XXXX said this wouldnt be possible and she would need to have us fill out paperwork so nelnet could reallocate my payment each month. I was not satisfied with this and XXXX placed me on hold and spoke with a manager. When she came back on the phone XXXX said the payments would be corrected and the changes to make sure my monthly payment of {$120.00} would be divided up and {$63.00} would be applied to loan XXXX XXXX  and {$60.00} would be applied to XXXX XXXX. I would not need to do anything. 

XXXX Received statement from nelnet indicating I owed {$60.00}. nelnet applied my entire payment to XXXX XXXX. I spoke with XXXX and explained the issue and XXXX transferred me to XXXX. XXXX reallocated my XXXX payment and said she would make sure all future payments were taken care of properly. 

XXXX Received statement from Nelnet indicating I owed {$60.00}. nelnet applied my entire payment to XXXX XXXX. Spoke with XXXX and explained the issues. XXXX said this would be taken care of for this payment and all future payments. 

XXXX Received statement from Nelnet indicating I owed {$60.00}. nelnet applied my entire payment to XXXX XXXX. Explained to XXXX the issue and she was checking with IT to see why this keeps happening and can only suggest the reason for this is because they are back up and not able to see the special note that is attached to this account. XXXX will make the correction. With being on hold and with XXXX I was on the phone for XXXX hours and XXXX minutes. 

XXXX Received statement from Nelnet indicating I owed {$60.00}. nelnet applied my entire payment to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX. XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have  provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP. I have also attached company of it being deleted from my XXXX report. 

The inquiries below I didn't authorize please delete all 6. 

XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 Finance XXXX Inquiry from XX/XX/2020 Bank XXXX XXXX Inquiry from XX/XX/2020 Bank Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Debt collection

One Main Financial Debt collector calls me many times throughout the day. I have told them I can not talk because I am working. They call back within the next 15 minutes. I revive about 8-12phone calls a day between XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021
Product: Credit card

I am formally complaining against MIDLAND CREDIT MANAGEMENT INC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have never done any business with MIDLAND CREDIT MANAGEMENT INC nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies. 

I have contacted MIDLAND CREDIT MANAGEMENT INC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that MIDLAND CREDIT MANAGEMENT INC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Product: Credit card

Account # XXXX XXXX XXXX XXXX Statement date XXXX XXXX XXXX, XXXX Transaction Date XX/XX/XXXX Payment Adjustment Reference Number XXXX Account Number XXXX Amount {$1900.00} A payment adjustment of {$1900.00} was charged against my credit card account. I have no knowledge of this transaction. I have been trying since XX/XX/XXXX to resolve this with Bank of America Account # XXXX XXXX XXXX XXXX Statement date XXXX XXXX XXXX Transaction Date XX/XX/XXXX ACH Payment Refund Reference number XXXX Account number XXXX Amount {$2000.00} A payment adjustment, identified as ACH Payment Refund of {$2000.00} was charged against my credit card account. I have no knowledge of this transaction. I have been trying sinice XX/XX/XXXX to resolve this with Bank of America. 

This is the same account. The account number was changed by Bank of America because of fraudulent activities on the credit card.
Product: Debt collection

He identified himself as a lawyer from XXXX, XXXX XXXX XXXX. & said his call was in reference to a summons I would be receiving at my door today or tomorrow. He told me my case number was XXXX. He said I owed Advance America {$310.00} but I never had a loan with Advance America. The payment arrangement he would make today was {$180.00} to consider the case closed or XXXX payments of {$110.00}. 
I told him this call sounded like a scam & he said if I did n't pay I would be going to jail & he would ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Teans Union, XXXX and XXXX XXXX has cost me to lose 95 POINTS OFF MY CREDIT SCORES by publishing incorrect account balances and wrong status on my credit union visa account.  Other bank credit cards that I paid in full with XXXX balances and I cancelled the credit cards are reappearing after disputing with balances again!
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


XXXX - XXXX, High Balance : {$0.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$1700.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX XXXXXXXX, High Balance : {$3000.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$3000.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, High Balance : {$700.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$470.00}, Last Date of Payment : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

get credit inquiries off of credit report
Product: Mortgage

I've contacted LoanCare about 5 times trying to have issue resolved. My mortgage was sold to LoanCare, they recorded the correct principal balance, but did not record the payment I had made to the previous loan servicer. I have been sent round and round with no one willing to correct my payments.
Product: Student loan

I paid off all my loans in one lump sum of {$5400.00} in late XXXX. It was charged to my account twice. I have asked for a refund for the overdraft funds but Edfinancial has not returned the money or given me an accurate time frame to expect the funds to be returned. I have been without {$5400.00} that was never owed to the loan company for over XXXX months, and am still waiting. 

Timeline : Student Loan paid off in full XX/XX/XXXX for an amount of {$5400.00} ( Online bank transferXXXX XXXX XXXX XXXX XXXX 

XX/XX/XXXX noticed the withdrawal of 2 transactions of {$5400.00}. One on XX/XX/XXXX and another on XX/XX/XXXX ( confirmed by XXXX XXXX XXXX ) XX/XX/XXXX called ED Financial indicating the error of the second transaction. 

They requested a wait time of XXXX  days waiting period before they could do anything with this error. 

XX/XX/XXXX logged into ED financial online portal where it showed a refund of {$5400.00} but have not received any monies and no indication of how the money was refunded e.g. check or deposit. 

XX/XX/XXXX ED Financial referred me to the Department of Education to request the status on this issue XX/XX/XXXX Submitted and Filed a complaint with Department of Education explaining the 2-transaction withdrawal, and that no refund was ever received. They asked her to go back to ED Financial. 

Have continued to call both institutions a couple of times a week. 

XX/XX/XXXX called U.S. Department of Education they stated that the complaint had been escalated and should receive an update in XXXX days never got one. 

XX/XX/XXXX email from U.S. Department of Education stating that the loan company ED Financial Services should handle this. 

XX/XX/XXXX call ED Financial Services and they stated that it would take XXXX business days from XX/XX/XXXX to receive a check. 

Continue calling and keep stating XXXX business days from XX/XX/XXXX is when to expect a check that would have been XX/XX/XXXX and still nothing. 

XX/XX/XXXX called ED Financial now stating XXXX business days from REFUND APPROVAL date XXXX rather than the REFUND REQUEST date XX/XX/XXXX. This puts us now at XX/XX/XXXX. Just concerning that they keep moving the possible refund date!! 

XXXX XXXX XXXX  Called XXXX XXXX XXXX XXXX let them know what happened ACH dispute to get the money back from ED Financial Services they will contact us once it has been assigned. 

XX/XX/XXXX - still have not received funds or an update.
Product: Debt collection

I entered into settlement agreement with XXXX XXXX on behalf of Capital One and overpaid by {$750.00}. I have provided documentation for months from myself and an attorney. They are still returning. to refund the {$750.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Dear XXXX Finance, Re : Debt Collection Validate Request We hop XXXX this letter finds you well. Our records indicate an outstanding balance owed to XXXX XXXX, as referenced by the account number ( # XXXX ), in the amount of {$3100.00} reopened on XX/XX/XXXX. 
This letter is to formally notify you that the debt has been forward to our XXXX XXXX for collection.. As part of the process, I'm providing you with a debt validation request. 
In order to properly assess the legitimacy and details if the outstanding balance, I, XXXX XXXX request the following documentation. 
2. Chain of Assignment : detailed records showing the full Chain of Agreement for the debt, including all prior holders and the documentation that proves your right to collect on this debt.

3. Purchase Agreement : a copy of the original purchase agreement or loan contact associated with the debt, including all pertinent terms, fees, and obligations.

4. Insurance Claim Documents : If applicable, any insurance claims associated with this debt and any claim payment history or correspondence that may have affected the amount owed.

5. Proof of Signature : Documentation proving my agreement to the terms of the original debt, such as a signed contract, loan agreement, or any other relevant documentation showing my acknowledgment and acceptance of the debt.

Please provide the requested documents within ( XXXX ) days from the date of this letter to ensure proper review and resolution of the matter.

Failure to provide these documents may result in further actions in accordance with applicable laws. 
I appreciate your cooperation in resolving this matter and look forward to receiving the necessary documents. Should you have any questions or require clarification, please do not hesitate to contact me at my email address : XXXX. 
Sincerely, XXXX XXXX
Product: Debt collection

I settled XXXX law suits with Portfolio Recovery ( PR ) PR was reporting open collections XXXX XXXX XXXX XXXX XXXX Although these accounts have been settled in full PR is continuing to report XXXX collections as open to XXXX. I called PR several times and was told, send a credit report to verify this, your problem is with XXXX file a complaint we do not know who the CFPB is. Essentially they used abusive language.
Product: Mortgage

XX/XX/XXXX hurricane Hermine flooded my home at XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX. I contacted the insurance company. filed a claim, cleaned the area of damage and debris. tore out all damaged items. I was then told to start repairs by contacting a contractor, pay for approximately 50 % of repairs and then they will send out a claims person to confirm. they will then cut a check and I will pay for the rest of the repairs until completed. when completed they will then send out another person to confirm the repairs are complete. funds will then be transferred. We completed two home repairs after two other hurricanes prior to this. this is not how we did it. I do not have $ XXXX to hire a contractor to complete the work then get reimbursed. We at that time stopped payments on the mortgage. I have not made a payment since XX/XX/XXXX. My house is still not in foreclosure and I have filled out all financial paperwork per Paramount ( now Loanpal ) request. I have attempted a short-sale ( later told this was to see how far I would go to fix this without the mortgage company doing anything. I was in the military until XX/XX/XXXX. I retired, I have waived my SCRA rights in writing ( in 12 font per USC 50, sec. 517 ) to the company back in XXXX ( no proof ) and again in XXXX ( I have proof in writing, email and fax ). Per LoanPal XXXX operating instructions given LOANPAL XXXX permission to foreclose verbally and in writing multiple times with a " wet ink signature ''. I have not made a payment in 1600 days ( 52 months / 4.5 years! ) now and still not in foreclosure. When this is competed at this time, my credit will be damaged for over 12 years! I have requested foreclosure for over 1200 days but still being told that I need to wait the 30 for pre-foreclosure to start?? Loanpal XXXX Loan number : XXXX
Product: Credit reporting or other personal consumer reports

Based on previous complaint with CFPB, XXXX XXXX XXXX was supposed to be deleted from my Transunion Credit Report.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time. I do not understand why there are late payments reported on this account.
Product: Payday loan, title loan, or personal loan

I informed First Franklin that I was no longer in position to pay them anymore XX/XX/2018 They should have received their letter XX/XX/2018 and I did send a INTENT TO PAY Letter along with a Notice to Cease Communication letter. And after they received these letters they have continued to withdraw from my account and that is a form of communication.