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

XXXX credit reporting bureau can not be reached. I tried calling and even though I called during office hours a recording keeps stating to call during their office hours. Also I can not file a dispute against false reporting. They are claiming I was 90 days late on my old fully paid off XXXX XXXX account. Account number is XXXX. 
This account was not included in any bankruptcy and was never 90 days late. The account was paid off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2019 I received an email that my dispute process was complete and was provided a link to access the results. 

Equifax 's procedures to access the dispute result are so onerous and faulty that it constitutes a refusal on Equifax part to provide information to me as required by law. 

Further, if one attempts to use the Help Chat feature, it is on during business hours until one submits a request ; then suddenly, it is off. 

I repeated the requested steps three times at least to access my information without success and Equifax refuses to provide a call number to help. 

Equifax is denying me reasonable access.
Product: Debt collection

XXXX and XXXX XXXX XXXX XXXX XXXX shared my underage son 's ( a protected class member under XXXX and a XXXX XXXX  ) personal information.
Product: Credit card or prepaid card

I purchased 1 {$200.00} XXXX gift card ( Card # XXXX ) on XX/XX/16. When I tried to use it for the first time earlier this year, it only had {$2.00} credit left. I had the physical card with me the whole time. It appeared that this card had been fraudulently used. I filed a dispute with U.S. Bank but they only agreed to credit me {$52.00} for 3 charge transactions that were made. They claimed that their system does not keep the records of the other transactions so I am not able to dispute them. As a result, I am out for {$140.00} due to the vulnerability ( to hacking ) and the deficiency of their system.
Product: Mortgage

I was working with Ally to apply for a new home purchase mortgage and they purposefully mislead and lied to me on many occasions about my home loan application and hard credit checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

5 Years ago, in order to be hired, i was told by my employer prospect to generate a credit report from Transunion and I had to pay for it. Subsequently i found out that in amidst the fine prints, i had subscribed to a monthly service of Transunion. I asked for a refund from their XXXX XXXX office but was rejected on grounds that i should have read the fine print. I had to write to their head office CEO for their XXXX XXXX to admit fault and repaid me the monthly charges. 

I found it quite disturbing that they engaged in this kind of fraudulent charging scheme and was surprised to read that your fine institution is filing a lawsuit against Transunion for their fraudulent and persistent common practice. 

I encourage you to pursuit this lawsuit to the end, do not settle with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$11000.00}, {$340.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 


-- PERSONAL ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act 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. 


In accordance with the Fair Credit Report Act 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. 


In accordance with the Fair Credit Report Act 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. 


In accordance with the Fair Credit Report Act 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: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding Multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account because I know for a fact that this has happened to me on several occasions. Navy federal should also have several phone calls from me over the past 10 years I have banked with them complaining about the fees they charged me because of their lagged postings. As you will see in the attached statement, the year to date overdraft fees I incurred in 2023 for 2 accounts was {$1000.00} and {$750.00} in return item fees.
Product: Debt collection

I opened an account with CHASE in 2005, The card was paid in full and closed. I owed no money in the credit card before I closed it yet XXXX XXXX XXXX has this account in collection with the full credit amount / total that was paid off. XXXX XXXX is egregiously Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices by reporting on my credit report an account that was fully paid for before closing.The same account that is being reflected by the original creditor ( chase ) on my credit report as paid in full and balance as XXXX, XXXX a collection agency is reporting as i own a balance of XXXX. The credit limit on that account was XXXX and was paid off even before exceeding the limit.
Product: Credit reporting

I have a report on my credit that is now an open collection with a balance of {$350.00} from " XXXX XXXX XXXX XXXX XXXX XXXX. '' This should be covered for and paid by my health insurance. It shows as this : Account # XXXX {$350.00} BalanceXXXX XXXX XXXX XXXXOriginal Creditor {$350.00} High BalanceXXXX XXXX, XXXX Opened DateXXXX XXXX, XXXX Last ReportedIndividualResponsibilityPlaced for collectionRemarksNote
Product: Payday loan, title loan, personal loan, or advance loan

Let start by saying the XXXX is a company Affirm redirect customers to purchase. The reasons Affirm gives the customer is your plans are already active so the customer can not go to the company they want to. I prefer XXXX products so I went to the XXXX site via Affirm Deals site. I selected the refrigerator, stove and microwave but at checkout Affirm the denied me. The XXXX purchase was the amount or a little less than the products from XXXX. 
Through the Affirm website, I went to the XXXX and given {$4100.00} to spend from Affirm. It shows how Affirm redirect the customers to companies that benefits AFFIRMs bottom line. Affirm gave me 0 % interest which made purchase XXXX products. However, process several different times there were issue so I canceled the orders until XXXX got it right. When a customer gets to checkout XXXX would change the price and/or service plans the customer added. I explained it Affirm customer service but I could not understand them because of the accent of the representative is very thick. The representative provide answers to questions not asked, repeat information over and over theyre not empowered to resolve any issues. 
XXXX : XXXX - 0 % interest ( XXXX different purchases with 0 % ) XXXX - 19 % interest
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed Credit 1 XXXX XXXX  XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX  On XX/XX/21, XX/XX/21, XX/XX/21. Eventhough I have proof that they have ignored my inaccuracies turning them into violation. They have failed to properly investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was a debt that I did accumulate. However, the account that established the debt was opened XX/XX/XXXX which is now beyond the 10 year mark so the account should be removed from my credit report. I had paid the debt off in full XX/XX/XXXX in order to purchase a house. When this payment occurred, the original account on my credit report was deleted and a new one added as though the account was brand new hence starting over the account history. From a credit report prior to the payment, the account numbers are different than what is displayed on my current credit report further proving the account was opened as a new account with established debt and without my consent. I have documentation from these reports proving the matter is inconsistent with proper credit reporting guidelines/requirements and should be removed as this is a violation of fair credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquires below are not recognized. I have tried to resolve this matter several times. 

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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX, XXXX and 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: 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 violated the CFPA. Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the EFTA and Regulation E. These actions have caused significant inconvenience and financial loss countless times. I am seeking the appropriate redress for these violations
Product: Mortgage

I do not receive any mail, calls or information about the loan status. I don't believe what said about the loan from the beginning the product was changed at closing. The sales process was aggressive and predatory and now I'm in the dark on loan status. I don't know or believe from the company if I was a co signer or co borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a person with the same first and last name as me and we share a birthday His middle initial is XXXX Mine is XXXX. I have never lived in XXXX or XXXX CA. 
I have had this problem for over 20 years. 
He owes back child support. I am XXXX with XXXX children. 
Please help Thank you
Product: Money transfer, virtual currency, or money service

I am writing to express my deep concern regarding Zelles handling of disputes, in particular in light of the recent CFPB lawsuit fighting the significant issues with the platform. Despite using Zelle numerous times and reporting any discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds, as well as even tracking it was impossible. The CFPBs findings indicate that Zelle has not only neglected to protect its consumers but also allowed repeat offenders to exploit the system, leaving user vulnerability to likely scams. The lack of transparency and accountability is unacceptable and raises increasingly serious concerns for user safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX 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 a account without my written instructions
Product: Student loan

I never requested forbearance, just wanted a lower/affordable monthly payment. Now I am concerned I will lose credit for on time payments I could have made which will extend the period to get to 120 payments for forgiveness, costing more money. 

The months employed at the XXXX ( XXXX and XXXX of 2018 ) were not credited, because the XXXX never confirmed, however, if you review the provided documents ( W-2 and paystub ) it will be evident that I was in fact a full-time employee working for a qualifying employer, and therefore those two months should reflect qualified/certified periods of employment. 

Regarding my auto - debit, MOHELA website states I may have to make manual payments until the auto-debit starts, however, there is no information as to what happens if I make a payment then the auto debit makes another payment for the same month. I can not afford two payments.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate inaccuracies in my credit report. Despite my submissions, Equifax consistently responds 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C ( ss ) 1681i ; which mandates a reasonable investigation of disputes, Further more, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C ( ss ) 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No XXXX against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumer with necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquires and incorrect address reporting on my credit report
Product: Student loan

In the fall of XXXX  I requested XXXX payment plan, their charging me illegally XXXX! Who can even afford that! I also signed documents for XXXX where are my copies? This is CRiTICAL. I work for local government and I will blow this issue out of the water if I do not get answers. I live in XXXX and have a masters degree.

I also need answers as to why Im accruing interest? I want to know as of when should I have been. 

People hang up the phone numerous times. This is ridiculous I get zero answers and I need payments XXXX a month period! I have saved this for documentation purposes.
Product: Credit card

I am urgently seeking the removal of this inaccurate late payment from my account. Given my history of timely payments, this entry is causing me undue stress and worry. I request that you promptly rectify this mistake by updating my account accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The IRS Clearly defined a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! 
BY Definition The IRS Clearly says a Canceled or Charge Off is Income. The reporting of this account as debt is inaccurate. 
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX XXXXXXXX XXXX + XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and Equifax are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Product: Credit reporting or other personal consumer reports

The credit reports show a XXXX XXXX on my credit that is not mine, I asked the credit company to delete this XXXX XXXX on my report, but it took more than 30 days and they didn't send me the investigation, and the account is still on my credit report. Please investigate this ; XXXX  XXXX XXXX XXXX is XXXX.
Product: Checking or savings account

PNC bank is the most horrible bank ever. I have been having problems with this bank ever since I was forced to switch over from BBVA. I am having an issue with PNC letting me connect to any 3rd party apps through XXXX. I can't use XXXX, it has been a feat for me to try to use XXXX XXXX and any other 3rd party app. I have called and been on hold for more than 20 minutes each time. I tried resolving the issue with XXXX on XX/XX/21 around XXXX ish and she was very rude and had absolutely zero answers for me. I asked to be transferred to a manager to see who could help me and I was on hold for over an hour and not one person came to assist me. The app is not user-friendly and PNC puts archaic measures into place under the guise of protecting your account. I just want to be able to use, move and transfer my own money as I see fit. I am leaving this bank asap- consumer beware...
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I see that a negative item was reporting. The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 

Account Number : XXXX Account Name : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an outstanding hospital balance (   XXXX   XXXX    XXXX    )  from   XXXX   XXXX   XXXX     show up on my credit report. The balance has been paid but unfortunately between moving and etc. I do not have the receipt where I paid the bill. It is showing up on my credit report under  XXXX  different collection agencies. The amount showing due is {$500.00} I have never received any notice regarding an outstanding balance nor have I received any notification from a collection agency. The  XXXX  collection agencies are  XXXX   XXXX   XXXX  and WAKEFIELD. My  credit score  dropped  XXXX  points just this week due to this showing up this week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2019 Balance {$10000.00}
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXXXXXX XXXX  for Inaccurate Credit Reporting Dear Sir/Madam , I am writing to file a formal complaint against XXXXXXXX XXXX concerning the inaccurate reporting of my XXXX XXXX XXXXXXXX account information to the XXXX major credit bureaus : TransUnion, XXXX, and XXXX. This complaint is submitted in hopes of resolving an ongoing issue that has negatively impacted my credit report and score. 

The discrepancy involves the reported first date of delinquency. XXXX XXXX has erroneously reported the first date of delinquency as XX/XX/XXXX. This is incorrect. The actual first date of delinquency occurred in XX/XX/XXXX, when my account was 30 days late. Moreover, my account was closed on XX/XX/XXXX, which further contests the possibility of a first date of delinquency in XX/XX/XXXX. 

This inaccurate reporting has unjustly affected my credit standing. Despite multiple attempts to rectify this error directly with XXXXXXXX XXXX the issue remains unresolved. The persistence of this inaccurate information on my credit reports is a cause for significant concern and distress. 

I hereby request the CFPB 's assistance in investigating this matter. I seek a correction of the reported delinquency date to reflect the accurate first date of delinquency in XX/XX/XXXX and the acknowledgment of my account 's closure in XX/XX/XXXX. 

Thank You