23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

They are overcharging me for a last payment for a loan that got superseded/absorbed by a new loan. I made the payment, {$55.00} ( when my monthly payments are {$100.00} ) and they deducted it. Now they say it didnt happen. When I specifically spoke with someone, ordered the payment outside of my due date for the XXXX monthly payment. And today I just got another call and I explained the situation, and they said that the XXXX went to the new loan. And want to charge me XXXX AGAIN. After i just paid my XXXX  monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

1. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXX XXXX  Account Number : XXXX This is a violation of my rights. Please delete 2. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not accurate date of last activity is inconsistent XXXX XXXX Account XXXX : XXXX This is a violation of my rights. Please delete 3. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not Accurate last reported is not Accurate XXXX  Account Number : XXXX This is a violation of my rights. Please delete 4. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report High balance is not accurate accross all credit bureau date of last activity is not accurate date opened is not accurate across all credit bureau XXXX Account XXXX : XXXX This is a violation of my rights. Please delete 5. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not Accurate last reported is not Accurate XXXX Account Number : XXXX This is a violation of my rights. Please delete 6. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXX XXXX XXXXccount Number : XXXX This is a violation of my rights. Please delete XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I am sending the third letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I will be sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a secured credit card with XXXX XXXX XXXX for about 10-15 years now and they changed the way you pay your bills online also online statements would not be updated without any notice, ie, email, call nor text. when I found out that the statements weren't accurate I started sending {$20.00} a month towards my credit card, which I barely even used, the annual fee was what I was paying. in XXXX they tried to send me a overpayment refund check, I told them to put my overpayment towards future bill payments. An representative told me I could request that, and I did. I got a notice that I was late paying my bill in XXXX or XXXX, but the website said I was current and had a credit. around XXXX they reported to the credit agencies that I had a 30 day late payment. Never recieved a email, text nor call before hand. they said I didnt pay a {$5.00} late fee. mind you I had {$150.00} - {$250.00} overpayment that was to have been used. l disputed it they said it was accurate, talked to reps but no one never spoke about my credit I had with them that was to have been used. long story short, I recently closed that account and they sent me a {$350.00} overpayment to my checking account. no one never addressed the fact that I was not late but overpayed my account so how could I be 30 days late when I had a {$350.00} overpayment refund issued to my checking account. My credit went from XXXX in XXXX to a XXXX in XXXX. and my other credit card limits from other companies were lowered because of that error. I worked too hard to get my credit right for this to happen.
Product: Debt collection

I would like to submit a complaint against ( Louisiana Recovery Services ) regarding unknown medical account ( s ) in the amounts of {$91.00} and {$95.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Louisiana Recovery Services ) did not provided me with any type of notice regarding the account ( s ). ( Louisiana Recovery Services ) never mailed me any letters or communicated with me in any manner regarding this alleged account ( s ). I mailed ( Louisiana Recovery Services s ) a certified, registered and tracked letter via the United Stated Postal Services on or around XX/XX/2018 requesting debt/account ( s ) validation and production of documents pertaining to the account ( s ) ( Louisiana Recovery Services ) is reporting on my credit report ( s ). ( Louisiana Recovery Services ) has not responded to my letter requesting debt validation and production of documents for the account ( s ) per the Fair Credit Reporting Act and Fair Debt Collections Practices Act but ( Louisiana Recovery Services ) continue to report the time-barred, unvalidated/unverified account ( s ) on my credit reports. Therefore, I contacted the original creditor ( s ) listed on my credit report ( s ) that ( Louisiana Recovery Services ) claimed to be collecting for. The original creditor ( s ) I spoke with stated I did not have any outstanding account ( s ) /debt ( s ) and that Medicaid had paid all account ( s ) /bills.

These erroneous entries being reported by ( Louisiana Recovery Services ) are detrimental to my overall credit rating and have caused me injury, both financially and emotionally.
Product: Debt collection

They have inaccurate information on a debit collection it shows a past due amount and from my understanding that's a violation it shows a past due amount of {$2000.00} XX/XX/2018 XXXX
Product: Checking or savings account

My brother suffered a massive XXXX on XXXX/XXXX/XXXX. His ex-wife added herself to his checking account without consent from him. I am his sister and I became POA on XXXX/XXXX/XXXX. As I was going over all his financial and personal business, I discovered she had spent from his checking account {$140000.00} over a three year period. I visited the branch on XXXX XXXX where the branch manager name is XXXX XXXX. Once he gave me a copy of all the transactions, I questioned the transactions and he responded I need to get an attorney. I did XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX Attorney at Law. XXXX XXXX sent several inquiries with no result. I then contacted XXXX XXXX, the President of US Bank, on XXXX/XXXX/XXXX. He sent me a text to my cell phone to let me know " the situation is being investigated and we have turned over items to your attorney. I can check but not sure what all I can do locally its now in hands of your attorney and our legal ''. As of date, I nor my attorney have received such information. My brother has served 25 years in the XXXX and he entrusted US Bank with his retirement funds. He has been in a XXXX home for 3.5 years, and I just purchased him a home in XXXX Indiana. He needs his money now so he can try to live a normal life once again. What I want US Bank to do is put in writing how they protected my brother 's checking account according to their US Bank Protects listed below : U.S. Bank Protects You Your protection is the highest priority for us. Our state-of-the-art tools and monitoring system ensure your identityis safe. Verification : when you change an address, for example, we request specific information about you to verify your identity before making any changes. Account monitoring : irregular account activity ( check orders, address changes, heavy withdrawals ) prompts a phone call for confirmation. Fraud detection : we have account-monitoring tools that recognize ID theft. We regularly receive information about known fraudulent addresses and phone numbers, and we compare them to new account requests and account changes. Communication : we contact you regarding any suspicious activity associated with your U.S.Bank account ( s ) I will forward all my correspondence upon request as there are too many to upload. Thank you
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card account was closed ( no worries there ). I continued making payments. In XXXX, notice was provided that account was due on XXXX XXXX. Shortly thereafter, payment was initiated ( dont recall the day ), but payment was not completed for some unknown reason. No notice was provided about overdue payment and no notice was provided about transfer of the account from XXXX to XXXX. Today, XXXX XXXX, I received notice my account was reported as delinquent. When I went in to pay the account in XXXX, login information didnt work. Thats when I discovered the account was transferred to XXXX. I was able to log into XXXX with the account info and pay the bill. I called XXXX XXXX to inquire about the report of delinquency and why no notice was provided about the overdue payment nor about the bank transfer. Agent told my only recourse was to file a dispute with the credit bureau, as there was no other recourse. Dispute has been filed, and were awaiting result. My primary concern is the lack of notice about ( 1 ) overdue payment or ( 2 ) bank transfer from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Type : LEASE Account Number : XXXX My payment due date is on the XX/XX/XXXX of each month. My payment for XXXX XX/XX/2018 was not past 30 days late. My payment was made on XX/XX/2018. Please see attached proof of payment history. Payment XX/XX/18 Payment XX/XX/18 Payment XX/XX/18 I was never past 30 days. This inaccurate credit reporting is effecting my credit score and As a result, causing emotional distress, interruption, annoyance, and continuing anxiety.
Product: Debt collection

This new collection account is being collected from a previously removed debt for a balance I do not owe and disputed. I disputed this debt prior to the collection agency reporting it to my credit and requested validation. They did not provide validation and reported it to my credit and only when I disputed with credit bureaus was the dispute honored. I do not owe this debt I have disputed it since being contacted by the original creditor and have maintained XXXX responsibility of the debt since day XXXX. This debt collection continues to try and basically extort the balance by holding my credit hostage with negative credit ratings. This item was removed from my credit previously and should be removed and remain off my credit in a disputed status as I am not responsible for the debt as there was never any exchange of goods or services. This collection agency is also collecting on a debt that is also being handled by an attorney based on the previous agency so the debt is being collected on XXXX  and handled by multiple parties.
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 measures to prevent and address fraud on their platform, 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
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Product: Mortgage

We have had a HELOC loan with XXXX for several years and never accessed or used any of it, keeping at a zero balance the entire time. On XX/XX/XXXX we requested a paid off letter for our title company because XXXX refused to provide it to the title agent. We are closing on XX/XX/XXXX. The chat agent assured wed have it in 3 business days. After the 3 days, no letter was received and we were told XXXX minutes by another agent on XX/XX/XXXX after a second request. Still nothing. After reaching out we were told that we had to send a written letter to request it and it would take at least ten day. Then a manager told us she could manually close the HELOC and once closed we could call back to get a closed letter. After engaging with them for over XXXX minutes we were told it would be sent right away. No letter and am another manager a few hours later and they said it was faxed hours before but we never received it. The second manager told us to go to a branch and we could get it because it was now on file, nope another lie. Instead of the closed letter the manager and bank requested the original signed documents, which do not help or closing and had my wife leave work early to sit in a branch with still no letter. XXXX and their incompetence has now hindered my ability to get the funds of XXXX from the sale of my home until I revive this letter from them. This is impacting my families ability to pay needed bills.
Product: Mortgage

I have a loan with JPMCB. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both 3 Credit Bureaus and JPMCB with no successful resolution. 3 Credit Bureaus reporting me late. There was definitely an error on their part.
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FSTPROGRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to express serious concerns about issues I have encountered with the credit bureau. Upon reviewing my credit report, I have discovered several inaccuracies, such as false account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These discrepancies are having a significant impact on my financial security, and I urgently seek your assistance in resolving these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried contacting this company on XX/XX/XXXX and XX/XX/XXXX regarding an unauthorized inquiry. However they have not returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am submitting this complaint with no third party involvement. 

I submitted a complaint through the CFPB portal regarding Equifax violating serval of my rights as a consumer. 

Equifax is violation of 15 U.S Code 1681i ( 7 ) I, the consumer and affiant have the right to know the description of the method used to verify the information furnished on my consumer report.

Equifax is in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) I have made Equifax aware that this information and accounts have not been verified and can not be accurate information. 

Equifax is still in violation of rights listed below : 15 USC 1681 ( 4 ) 15 USC 1681 ( b ) 15 USC 1681a ( 2 ) ( A ) ( i ) 15 USC 1681a ( 2 ) ( B ) 15 USC 1681a ( e ) 15 USC 1691 ( e ) 18 USC 1028A 18 USC 894 18 USC Chapter 96
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is way out of line with this reporting a missed payment from XX/XX/XXXX as late in XXXX XXXX XXXX XXXX and XXXX of XXXX almost 3 years XXXX my dates are off a little but 3 years is a lot to long to wait to report it late payment
Product: Credit card

Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account US Dept ED # XXXX, Account # XXXX, # XXXX, XXXX XXXX # XXXX, XXXX Self-Reported # XXXX, XXXX SELF-REPORTED # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX # XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to respond to my dispute letters and for not conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I sent a dispute letter to TransUnion via USPS certified mail ( tracking number : XXXX ) to dispute inaccurate and incomplete items on my credit report, including a bankruptcy. To verify my identity, I included the following documents : - A copy of my government-issued ID - A copy of my Social Security card - A recent bill showing my current address Despite providing all necessary documentation, TransUnion failed to respond or provide any investigation results. I followed up with another dispute letter on XX/XX/year>, but again received no response or investigation results. 

Furthermore, the bankruptcy listed on my credit report under Reference Number : XXXX is unverifiable. On XX/XX/year>, I obtained a consumer report from XXXX ( Consumer Report Number : XXXX, Case Number : XXXX ), which confirmed no record of this bankruptcy. As XXXX is a primary source for bankruptcy data, this confirms that the reported bankruptcy does not exist. 

Despite receiving all required documents and a detailed explanation of my dispute, TransUnion has failed to : - Respond to my dispute within the legally required timeframe. 
- Conduct a reasonable investigation into the accuracy and completeness of the disputed information. 

TransUnions lack of action is a direct violation of the FCRA, which mandates that : 1. Credit bureaus must investigate consumer disputes within 30 days of receipt. 
2. Credit reports must include only accurate and verifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was looking into my credit report and noticed multiple fraudulent accounts and inaccuracies. these accounts below are hurting my credit and need to be addressed. asap. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX
Product: Debt collection

Creditor Advocates Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law by using abusive, unfair and deceptive business practices of harassment by calling my phone, send me text and email messages and U.S. mail in regards to a debt from XXXX XXXX XXXX XXXX for {$78.00}. The debt collection account and debt owed, is not my debt or debt collection account. I dont owe any debt to XXXX XXXX XXXX XXXX XXXX