23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX & XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX / XXXX EQUIFAX , with XXXX XXXX XXXXXXXX account # XXXX. Under the FCRA, my rights to privacy and control over the reporting of my credit information are clearly outlined and protected.

Specifically, I would like to draw attention to two sections of the FCRA that have been infringed upon : In accordance with the fair credit reporting act account # 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 a account without my written instructions.

Please, I urge you to contact the relevant credit bureaus immediately to request the removal of any potential negative entries related to this account. The presence of this information is hindering my financial prospects and access to financing.
Product: Bank account or service

On XXXX my company gave a check to a tenant as a refund for the deposit that he did when rented the apartment to the company. He cash the check sending a picture to his bank on XXXX and my bank ( Citibank ) paid the check. He sent again the check picture on XXXX and it was paid again by my bank he sent again the same check on XXXX and it was paid again on XXXX was paid again. On XXXX was paid again. On XXXX was paid again. On XXXX he altered the number of the check but only on the top right side, not at the bottom and it was paid again. On XXXX he presented again the check and was paid by the last time. In total the same check of {$950.00} was paid 8 times by the bank. 
I think Citibank fail in their responsibility of checking that : the check number was paid before and the check number was repeated, XXXX times the check number was altered and the check were expired and paid after 6 month of the date in the check. After presenting a complaint in Citibank when i discovered all of this when I was preparing the report to pay taxes al XX/XX/XXXX, they oficially didnt answer up to now but the manager of the office in XXXX say that after 30 days they are nor responsibles of what they did and that they will not refund me my money and wont prosecute to the person that did it.
Product: Credit reporting or other personal consumer reports

These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.
Product: Credit reporting or other personal consumer reports

Credit agency took loans out in my name and destroy my credit
Product: Money transfer, virtual currency, or money service

I have made XXXX wires to a XXXX nonprofit 's bank XXXX XXXXXXXX XXXX  ) this year through my bank, Citibank, this year. I feel Citibank is not honest about fees and overcharging us. 

On XX/XX/XXXX I wired XXXX XXXX XXXX  ( {$2100.00} ), but only XXXXXXXX XXXX XXXX  were received by their bank. 

On XX/XX/XXXX I wired XXXX XXXX XXXX  ( {$17000.00} ) and what arrived was XXXX XXXX XXXX 

On XX/XX/XXXX I wired {$2500.00} and their bank received {$2300.00} before they took out more fees. 

On XX/XX/XXXX I wired {$1000.00} and their bank received {$980.00} before they took out more fees. 

Citibank charges me {$27.00} for each wire ( separate from the amount I wire ). I called Citibank upset because they do not disclose additional fees before the funds are received by the receiving bank. Citibank told me these are intermediary bank fees, but they could not disclose how they are determined. The intermediary bank fees are also not disclosed when I make a wire. I feel like I am being cheated by Citibank, which is not honest about all the wiring fees and should be reimbursed for these fees taken, which would go to orphan scholarships.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent accounts ; XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and inquiries are hurting my credit and my ability to buy a home. 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case,
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 
Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Employer : My current employer is XXXX. I request that my current employer be updated accordingly.
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED TRANSUNION ABOUT 3 INQURIES THAT THEY CONTINUE TO KEEP REPORTING ON MY CREDIT REPORT.XXXX XXXX XXXX XXXX I TRIED REACHING XXXX XXXX  FROM THE NUMBER THAT IS LISTED ON MY CREDIT REPORT THE NUMBER IS NOT IN SERVICE THIS IS A FRAUDLENT INQURY I HAVE NO OTHER MEANS OF CONTACTING A COMPANY I HAVE ANY OF KNOWLEDGE OF. I HAVE DISCUSED THIS WITH TRANSUNION SEVERAL TIMES OVER THE PHONE. THEY CONTINUE TO DISREGARD THE MATTER. THIS IS A STRESSFUL SITUATION AND HAS HINDERED ME FROM ALOT OF OPPURTUNIES. THIS A DEFLAMTION OF MY CHARCTER. 
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Sent from
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : 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: Checking or savings account

I am, again, filing this complaint against Social Finance ( SoFi ) regarding an account restriction that has resulted in the withholding of my funds without a reasonable resolution. 

My family member deposited funds into my SoFi account as repayment for borrowed money. Shortly afterward, SoFi restricted my account for " security reasons. '' I complied with their initial request to provide my driver 's license and a photo of my face to verify my identity. However, during a subsequent follow-up, SoFi requested the personal phone number of the depositor to verify the transaction. 

I explained to SoFi that I can not provide this information for several reasons : 1. Lack of Independent Verification A personal phone number does not provide definitive proof of identity or transaction legitimacy. I could provide any random phone number, and if the person answering confirms the deposit, it would satisfy SoFis requestregardless of its accuracy. This method relies entirely on trust and lacks cross-referencing with other forms of documentation. 

2. Susceptibility to Manipulation Phone numbers can be spoofed or falsified, making this method insecure. Furthermore, a depositors phone number is not inherently linked to the bank account or the transaction in question. 

3. Privacy Concerns A personal phone number is sensitive information, and my family member values their privacy. Sharing this information with a third-party financial institution could expose them to data breaches, unsolicited calls, or misuse by data brokers. 

4. More Secure Alternatives Exist Financial institutions commonly use secure methods to verify transactions, such as : Written confirmation or a notarized letter from the depositor. 

Proof of the transaction, such as a receipt, bank statement, or deposit slip. 

Verification through secure banking channels ( e.g., direct bank-to-bank communication ). 


Despite my attempts to resolve this issue and suggest alternative methods, SoFi has refused to offer any options. They issued a written response stating they will not release my funds unless I provide the depositors phone number. This is unreasonable, lacks security integrity, and fails to align with best practices for verification. 

The funds in question were lawfully deposited, and SoFis refusal to release my money is deeply troubling. Their actions have caused undue stress and hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XX/XX/2017 I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to file a Bankruptcty I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the item immediately and XXXX and Transunion have done nothing. 30 days have passed and I sent my second request to XXXX and Transunion and 30 days have passed again and XXXX and Transunion has again done nothing which is why I decided to come here for help, please help me.
Product: Checking or savings account

I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 

This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Idaho XXXX XXXX XXXX along side Action Collections, XXXX, XXXX and XXXX are all actively reporting incorrect information regarding a balance on an account. The balance is for {$6800.00}. This balance was paid in full, and has been for years. This needs to be removed, immediately, from my credit. This letter also serves as a letter of demand with intent to sue in accordance with the FCRA section 605. The aforementioned agencies will be receiving formal summons to appear in a civil court for violating the FCRA, FDCRA and consumer finance laws in accordance with state and federal guidelines. As such, the State Attorney Generals office and Department XXXX XXXX, along side state licensing board will receive complaints of illegal debt collection and reporting. You have until XX/XX/XXXX to comply with this lawful request for deletion of illegal debt reporting, no further communication will be sent, if this is not removed by the aforementioned date this will be seen in court for the before listed companies involved. 


SECOND REQUEST FOR DELETION AND REMOVAL : FIRST REQUEST SUBMITTED XX/XX/2022 CFPB ID NUMBER XXXX I will take this as willful and malicious intent to not resolve this matter amicably. The information provided would allow you to view and verify the information that I had provided with the credit bureaus and your reports. In case you are just XXXX, it is under XXXX XXXX, my maiden name, which you already know given the information provided before. You have until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivables Performance Management has submitted 4 request to have the account removed from my report and the account has not been removed. Ive also disputed this account on 3 separate occasions but Receivables Performance Management has verified the account has responded to the dispute as valid.
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, 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.
Product: Mortgage

I am filing this complaint against XXXX XXXX at Movement Mortgage , LLC XXXX XXXX XXXX due to lack of communication, misleading practices, and failure to act in good faith regarding my mortgage refinance. 

I originally purchased my home and bought down my mortgage interest rate, which is set to expire in XX/XX/XXXX. 

In XX/XX/XXXX, my lender contacted me about refinancing at a more favorable rate. At their request, I submitted all required financial documents, including my card statements, proof of salary, and other sensitive personal information. 
After submitting my documents, I attempted multiple times over the last XXXX months to obtain updates regarding my refinance. However, [ XXXX XXXX ] completely ignored my inquiries and failed to provide any updates. 
Despite my repeated efforts to communicate via email, phone calls, and text messages, my lender has refused to respond until recentlyonly after I escalated the issue to their managers. 

In XX/XX/XXXX, I finally received a response from [ XXXX XXXX ], stating that the refinance does not provide significant cost savings. However, this contradicts their initial outreach, and they failed to provide a timely itemized quote for review. 
Due to this delay and lack of transparency, I am now facing limited time to refinance before my current rate expires in XXXX. 

How This Has Affected Me : My lenders failure to communicate has put me in a financially disadvantageous position as I may now face a higher interest rate due to their negligence. 
I have experienced stress and frustration due to their lack of good faith and transparency. 
I entrusted my sensitive financial information to this lender, and their disregard for professional communication raises concerns about their ethical conduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus to have these charges removed due to it being a deformation of my character and You have caused me and my family severe harm due to your negligence and inaccurate reporting
Product: Credit reporting

I have not received the written investigation results of any disputes with Equifax. The credit bureau has denied me access to credit monitoring. I am not able to access any of the online results from investigations that have been completed. I have been denied credit within the last 90 days, therefore, I need an updated credit report to determine why this happened. XXXX denied my credit card application based on Equifax report and I need to know why.
Product: Student loan

I had a student loan with XXXX XXXX back in 2003 for {$10000.00}. The loan was sold as years went by to Navient. I have been paying this loan since 2003 and it seems I have more than paid off this loan but still have a balance per Navient. 

I have been receiving calls at my home and work outside normal business hours ( they were not given permission to call my work as this jeopardizes my job ). 

I am now getting tons of past due letters as I have ceased to pay any more. It seems my payments were not being applied or were miss-applied and then late fees were applied. This is disappointing and confusing, and I wish for the balance they are saying I owe be cancelled and my account brought current with zero balance as I have added up over the years and have more that paid back this loan. In fact, it looks like Navient owes me a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX and XXXX are reporting The following alleged account in my credit file and is listed as a collection with a PAST DUE balance of {$3400.00}. REPORTING A PAST DUE BALANCE ON A COLLECTION ACCOUNT IS INACCURATE REPORTING ACCORDING TO FCRA. This account being reported does not belong to me. 

Account Name : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX The account says opened XX/XX/2019. However the account also says date assigned is XX/XX/2019. The account also states date of first delinquency is XX/XX/2019. This is inaccurate reporting and are in violation with FCRA laws and guidelines. The 3 bureaus are reporting different information in which is considered inaccurate reporting under FCRA laws. THIS ACCOUNT BEING REPORTED IN MY CREDIT FILE IS A VIOLATION OF REQUISITE METO TO COMPLIANCE REPORTING STANDARDS. ACCORDING TO THE FAIR CREDIT REPORTING ACT, I HAVE THE RIGHT TO A FAIR AND ACCURATE CREDIT REPORT. THEREFORE ANY INFORMATION THAT IS NOT TRUE, ACCURATE AND VERIFIABLE IS REQUIRED TO BE REMOVED/DELETED.
Product: Debt collection

This company calls me at all hours everyday sometimes multiple times a day. I don't even know why they are calling me but I've asked them to stop and they don't.