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

See attached letter to Genesis, dated XX/XX/2023. A letter was received from Genesis on XX/XX/2023. However, the Genesis letter was dated XX/XX/2023 ( two weeks before my letter to Genesis ) and it referenced actions and changes, but failed to specify what those actions and changes were. Hence, the Genesis letter was unresponsive, unsatisfactory, and not in accordance with the telephonic conditions that Genesis agreed to on XX/XX/2023 and XX/XX/2023 respectively. I have not received any communications from Genesis in response to my letter dated XX/XX/2023. I provided a copy of my letter ( dated XX/XX/2023 ) to the XXXX XXXX XXXX XXXX XXXXXXXX of the Attorney General. The XXXX XXXX XXXX XXXX XXXXXXXX of the Attorney General sent me a letter on XX/XX/2023, which stated it would forward a copy of my complaint to Genesis and request a statement of Genesis ' " position and possible adjustment. '' I haven't received any subsequent correspondence from any party. When updating my FTC Identity Theft Report on XX/XX/2023, it prompted me to file a complaint with the CFPB ( since my letter to Genesis did not solve the problem ). Hence, this complaint.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : XXXX : XXXX XXXX -XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX Account Number : XXXX {$3600.00} XXXX XXXX Account Number XXXX XXXX {$420.00} XXXX XXXX XXXX Account Number : XXXX {$6700.00} XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XXXX XXXX XXXX Account Number : XXXX {$420.00} Experian : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX  XXXX  Account Number : XXXX {$0.00} XXXX, XXXX Account Number : XXXX {$0.00} XXXX XXXX Account Number : XXXX {$200.00} XXXX XXXX XXXX Account Number : XXXX {$3600.00} XXXX XXXX Account Number : XXXX {$420.00} XXXX XXXX XXXX  Account Number : XXXX {$6700.00} XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$420.00} XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$2300.00} XXXX XXXX Account Number : XXXX {$0.00} XXXX, XXXX Account Number : XXXX {$0.00} XXXX XXXX Account Number : XXXX {$200.00} XXXX XXXX XXXX Account Number : XXXX {$3600.00} XXXX XXXX Account Number : XXXX {$0.00} XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. Credit Score : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$13000.00}
Product: Debt collection

I have called them multiple times, they don't answer the phone. They illegally garnished my check for more than 10 %, since I am head of household. They have started and stopped garnishing my wages multiple times, for no reason. Are they trying to just build more interest?? I can not contact them, so I need to at least make them follow the law by only taking 10 % from a head of household 's paycheck.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made On Time : My records show that the payment for this account was made on time, but there appears to have been a clerical or processing error. I have attached a copy of my bank statement showing the payment date to support this claim. 
Dispute Previously Resolved : The account was previously in dispute, and it was reported as resolved. However, the late payment was still inaccurately reported. I have attached the documentation showing that the dispute was resolved, confirming that no late payment should have been reported. 
XXXX XXXX System Error : During the payment submission process, there was a documented issue on XXXXXXXX XXXX platform that delayed the payment processing. I have attached the payment confirmation showing that the payment was initiated before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

This account is showing inaccurately on my credit report and this is violating my regulation z law, and I don't appreciate my credit report showing wrong information on my account.
Product: Debt collection

I received a letter from XXXX and telecheck/XXXX XXXX XXXX I was cashing checks from a bank that I do not bank with which is called XXXX XXXX  tried to call XXXX XXXX I wouldn't help me told me that account wasn't on my name or is not existed I promptly send telecheck/XXXX XXXX XXXX a fax of my police report and I called XXXX received a second letter and the information in their system was accurate I will send a police report on XXXX that fix the problem ... but please if you can also assist me
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Product: Credit reporting or other personal consumer reports

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.
Product: Credit reporting or other personal consumer reports

I have tried to use PayPal to move money and to pay for services. Both acttikns have been denied to me. They settled one issue momentarily but the same issue arose again and I have been unable to add funds to pay for certain items. I was then denied an extension of credit ; my credit standing was determined by a third party which I only consented too out of duress for the need of the item I was seeking to purchase for personal property concerns.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have already reported this incident as identity theft and taken immediate action. It is crucial to address this matter promptly due to its negative impact on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This account is past the statute of limitations in Utah and should no longer be on credit. I do not owe this debt and it should be removed.
Product: Checking or savings account

I opened my business account on XX/XX/2023. Because of the nature of the business I am in ( XXXX  ), I typically deposit checks from insurance companies and individuals for relatively large amounts. I began depositing checks and noticed that they were not clearing up to 2 weeks. I inquired about the slow turn around time and they told me that it would only be this way for the first 30 days. It has now been almost 6 months and it is continuing to happen, in fact, it has never stopped. I deposited a check on Thursday the XXXX in the amount of {$14000.00}. I still do not have access to the money and, what's more, I have {$13000.00} in my account. I went to the branch in XXXX, Tx on XXXX XXXX and could not get any assistance but was provided with a phone number that no one seems to be answering. I can not conduct business in a timely manner because of this and would just like some assistance. I do not understand, if they can take my debit charges out of my account in 30 seconds, why can they not verify funds electronically and give me access to the checks I deposit?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash out ( XXXX XXXX XXXX due to inadequate customer service and unfair practice, which violates the customer financial protection Act ( CFPA ). Specifically, cash app failed to take timely and effectively measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore they are dispute resolution process was unfair and deceptive as they did not comply with error resolutions requirements under the Electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial losses and I seek appropriate redress for these violations.
Product: Debt collection

I engaged with Freedom Debt Relief in XX/XX/XXXX, which was the due date of my first monthly deposit of {$220.00}. It is now XXXX XXXX, 18 months later. 
I was told that this amount was sufficient to begin negotiation with the five credit card companies that I turned over. No worries about legal notices as they would have their legal representatives, which I was paying per month and did not realize, handle any suits. 
My impression was that they would contact each creditor, explain that I was making an effort to pay the debt by submitting {$220.00}. per month and they would make arrangements with these companies. 
In the 18 months I only received XXXX call regarding a settlement offer, which was to XXXX  XXXX XXXX. I agreed to the settlement not realizing that they would be paying them more per month than what I was submitting. My second big mistake. 
In XX/XX/XXXX, I received the first of two XXXX. I called to find out if they were in negotiations with either of these companies. " Of course. We will represent you in XXXX. '' Well, I called the companies and neither of them had ever spoken with Freedom. The largest of the two had just received information from Freedom the day before I called, XX/XX/XXXX. I called Freedom back and the response " They all say that. '' On XX/XX/XXXX the legal representatives for Freedom contacted me to let me know if I still wanted them to represent me in court I would need to pay XXXX XXXX+ more to Freedom. I have been living on {$100.00} per month for the last 18 months so have no idea where that extra monthly would come from. They had no alternative but to stop representation. 
My total debt in XX/XX/XXXX was {$14000.00}. The total submitted in 18 months- {$6500.00}. The settlement with XXXX  XXXX XXXX was {$3000.00}. Where did the difference of {$3500.00} go? 
Today I contacted both law offices handling the two suits to discuss my options. One with a total of XXXX+ agreed to settle the account for {$3000.00}. The other with a total of $ XXXX+ agree to settle for {$3800.00}. Just what has Freedom been doing for 18 months? 
I have until XX/XX/XXXX to settle these accounts. 
Freedom has not done their due diligence nor have they ever been helpful. Going into this I had excellent credit and only went this route to try and stay out of court. Now my credit is in the dumps and I'm looking at having 5 accounts in court, the possibility of loosing my house and automobile if I can not find assistance from family. The legal representatives even suggested bankruptcy, which isn't possible as the court would require me to sell my house. 
I am going to try to make these settlements on my own but am holding Freedom accountable to me for the same amount.
Product: Credit card

My information has been stolen and it appears that someone has obtain credit using my personal information fraudulently. I am submitting this complaint to informed the creditor about the identity theft and i am expecting a quick response to remove this account from my credit profile immediately. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I have called on XXXX different occasions about why these loan are showing negative on my credit report.. My students loans should not be showing negative. They are deffered and not defaulted or negative. I have called XXXX XXXX XXXX XXXX XXXX and I was informed they they are not showing negative, but they are showing negative. 

XXXX. XXXX ( Date opened XX/XX/XXXX ) XXXX ( Date opened XX/XX/XXXX XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX )
Product: Credit reporting

I had a hard credit inquiry on my report on XXXX/XXXX/2016 by XXXX. I called Equifax and they told me the could do nothing about it. I have not applied for any credit.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer :
Product: Student loan

Currently I have multiple private student loans through Navient ( formerly XXXX XXXX ) totaling {$52000.00}. These loans were taken out over the course of the years XX/XX/XXXX and XX/XX/XXXX for my XXXX degree. I have never missed a payment and my student loans have recently come out of deferment ( for the second time ) since I graduated with my XXXX XXXX. I have called twice and requested that they work with me to lower my monthly payment, which is currently {$380.00}. I do not qualify for IBR. I have twice been told that the only way to get assistance would be to default on my loans. I do not want to default on my loans because I value my credit and my mother is my co-signer. My mother is currently unable to offer any financial assistance. Navient has told me that there are no other options and my monthly payment can not be lowered or extended in any way. I believe XXXX/Navient was predatory in the issuing of these loans to begin with and now they are unwilling to make any changes until I 've destroyed my credit. I have looked into refinancing through another company but so far have met little success due to the requirement of a co-signer.
Product: Checking or savings account

Subject : Complaint Regarding Opening a U.S. Bank Checking Account Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their considering the Checking Account ending in XXXX as an opened account of mine. 

I applied a U.S. Bank Checking Account ( ending in XXXX ) and the application was approved on XX/XX/2022. I didn't make a minimum opening deposit of {$25.00} and the Checking Account ending in XXXX should not be considered as " opened ''. However, U.S. Bank regards the Checking Account ending in XXXX as an opened account of mine. Therefore, I have a serious concern about the definition of " open an account '' because the term " open an account '' is not rigorously defined and clarified to consumers from the side of U.S. Bank. 

From an official U.S. Bank website ( see Attachment XXXX XXXX XXXX XXXX  ), footnote 11 in the Disclosures says " {$25.00} minimum deposit required to open a U.S. Bank consumer checking account ''.

On an official U.S. Bank webpage ( see Attachment 2, " What you need to open a checking account '', XXXX XXXX XXXX ), " a minimum opening deposit of {$25.00} to activate your account ( once youve been approved ) '' is listed as one of the requirements to open an account. In my point of view, an account can be considered as " opened '' only if the application of the account is approved and the account is activated with an opening deposit of {$25.00} or more. 

Another similar statement from an official U.S. Bank website ( see Attachment XXXX, XXXX XXXX XXXX ) says " open an account in minutes with a minimum balance of {$25.00} ''. 

Based on the statements shown on the official U.S. Bank website, an account can not be considered as " opened '' without a minimum balance of {$25.00} from the consumers ' perspective.

Moreover, I contacted one of the U.S. Bank agents, by which I was told that " since I had not made a {$25.00} initial deposit, my account ending in XXXX was not considered opened ''. If I was clearly told and explained by U.S. Bank agent or official U.S. Bank website that the approving of an application is considered as " opening an account '', I would never close the account ending in XXXX. 

To be concluded, the account ending in XXXX should not be considered as " opened '', therefore I didn't have a U.S. Bank consumer checking account in the last XXXX  months. I request that the U.S. Bank should not consider the account ending in XXXX as an opened account of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX  AUTO FINANCE - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Credit reporting or other personal consumer reports

The issue is a {$15.00} charge-off I was not notified about from this credit union, and when I was sent a letter it was about my credit card payment. 

XXXX XXXX XXXX email saying contact her XXXX XXXX XXXX XXXX XXXX XXXX about my 30 days late credit card XXXX XXXX -I made the payment immediately XX/XX/2023 of XXXX ( Have proof of payment amount sent ) -Letter of delayed payment sent to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that was a mistake in payment XXXX XXXX ( collections XXXX ) removed XXXX XXXX -May XXXX Unexpected Charge-off on credit report, Never notified of this from the credit union, If I was notified, I would have XXXX XXXX payment because I am running a business and need the funding for my business to continue operating.
Product: Credit reporting or other personal consumer reports

I am very disappointed and has finally asked FTC to investigate this case. I am writing to inform you that these inaccuracies in my report is very damaging not only to me and my XXXX XXXX, but also to my credit file. I am very much scared of what the future holds because of the fear that this situation is giving me. Please reinvestigate my case and immediately remove these accounts off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have been a victim of Identity theft. and I have submitted an FTC Report regarding a few accounts that do not belong to me