23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I received a response from XXXX XXXX XXXX. They advised they were not going to delete the late payments from my account. They advised that they review their policies to make sure they're in compliance with consumer law. However, this is not the case. They are violating U.S. Code 1681a2. I am writing to dispute the accuracy of certain payment information on my credit report. Specifically, I am requesting that you delete all late payments from my credit report, as they fall under the exclusions listed in 15 U.S. Code 1681a2. 

According to the FCRA, payment history is excluded from credit reports, as it falls under the category of " transactions. '' Additionally, credit card utilization is excluded under the category of " experiences. '' Therefore, I am requesting that these payments be deleted from my credit report in accordance with my rights under the FCRA. 

If they don't want to follow U.S. Code 1681a2, I am writing to request the deletion of my account and all associated information from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609.

I am requesting this deletion because I no longer wish to have an account with your company and I do not authorize the sharing of my information with any third party without my express consent. As such, I request that you delete all information related to me from your company 's database and cease reporting any of my information to any third party. 

I understand that under the FCRA, you have 30 days to investigate my request and respond to me in writing.
Product: Credit card or prepaid card

I was charged a fee. American Express charged me a XXXX. I added funds to meet the monthly requirements of XXXX dollars. The problem with the XXXX dollar limit that it does not allow me to add funds of XXXX dollars. It takes days in order to be allowed to deposit more funds into the account. I added fund on the XXXX at XXXX paciffic time when the American Express button had allowed me to add more funds. 
It is not fair that the button feature does not allow any more funding more than XXXX dollars. if the requirement is XXXX dollars per month to reload the account. American Express should not limit the amount to transfer funds to XXXX dollars only. currently the limited is only XXXX dollars to deposit into the account from another bank card. I have tried to ACH money from another account. American Express removed that option from the serve account. I can not get money from my school financial aid into this account because the card has been blocked. I have tried to reload at a XXXX my account is blocked according to XXXX stores I have tried multiple times to get reloads XXXX is not allowing reloads to this account at this time. I have no other option when it comes to funding this account other than reloading from another bank card. American Express should allow the account to be free with out fees if the account is being used and reloaded with in 90 days period of XXXX dollars. 
is that it monthyMy school is not able to add funds for financial aid because the card is blocked. I tried to reload at XXXX and it is blocked. American Express removed. 
My American Express account was charged a fee and requested that American Express customer serivce returns the dollar back to my account. The customer service service tried to return back the dollar charged to my account. The system was not able to return back the dollar charged. 
The XXXX dollar bank card transfer limit makes it complicated to be able to get a full deposit of XXXX dollars. American Express should allow the acception to be able to deposit with in a day more than XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a request to XXXX, XXXX  and Transunion to remove the fraud alert on my account. The letters were received on XX/XX/2020 ( see attached receipts ) As of today I still see the alert on my report on all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX account, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am desperately trying again to correct certain inaccurate late payments showing on my credit report during XXXX. 

Historical late payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Debt collection

Called XXXX times in one day to collect a debt that is only XXXX days past due. I been contacted on both cell and home phones with messages being left.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a deferment of my loan due to a financial hardship. It was approved beginning XX/XX/XXXX and end in XX/XX/XXXX. I was advised that all late fees and would be changed to paid as agreed from the date the deferment started. My credit report still shows late for XXXX and XXXX. I have disputed this with the credit agencies and nothing has been changed. Also my payment was due XX/XX/XXXX. They approved the deferment XX/XX/XXXX. I have also asked why they are reporting these payments 30 days late when XXXX was not due to XX/XX/XXXX and XXXX was not due til XX/XX/XXXX in order to avoid reporting to credit. Since the deferral was approved XX/XX/XXXX I should not have been reported late to begin with at it was not past XX/XX/XXXX. I am attaching the approval of the deferral I received XX/XX/XXXX and sent back same day as well as proof of the late reporting of 30 days my credit bureau.
Product: Debt collection

Thus debt collection agency has reported a debt as having been incurred in 2014 causing it to show in my credit report again after the 7 year limit as the original date of such debt is over 7 years ago causing a serious downgrade to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed to discover that Equifax did not amend my credit record or totally remove the fraudulent account. In my most recent correspondence with the credit bureaus, I demanded that they produce evidence supporting their assertions that the accountI am contesting actually belonged to me. Equifax still hadn't sent me any proper proof I find it aggravating that the credit bureaus have refused my requests, violated section 605b of the Fair Credit Reporting Act, and have continued to record the disputed account without the necessary justification. Let me remind the credit bureaus that they are required by FCRA section 605b to delete any items and information that were obtained as a consequence of identity theft and were listed on an ID THEFT REPORT. I'm inclined to file a lawsuit against the credit bureaus to compel them to update my credit report. I'm hoping that by filing this complaint with the CFPB, the credit bureaus would act right away and entirely delete the disputed account from my credit report. The account needs to be removed : XXXXXXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practices violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 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 consumers with the necessary proof of investigation. Here is the accounts that was mark inaccurate XXXX 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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: Checking or savings account

on XX/XX/2018, my checking account was in credit by {$880.00}. On the same day 3 debit transactions were posted to my account in the value of {$90.00}, {$0.00} and {$1700.00}. 
The bank charged me 3 overdraft fees of {$37.00} for each transaction even though there was sufficient funds to pay for the first 2 transactions amounting to {$90.00}. 
I was therefore charged a total of {$110.00} for overdraft fees in one day. 
I spoke to the Branch Manager and complained about these charges but the Bank refuses to reverse 2 of the 3 overdraft fees. I also sent emails complaining that these overdraft fees were unreasonable charges and that I would accept an overdraft fee of {$37.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Fraud. There is a XXXX  XXXX account on my file, even though it shows paid and closed that account is not associated with me. I reached out to the creditor directly and they sent me a form which i signed and sent back to them confirming that the account was made by someone that wasn't me and that I t was not authorized by me. I also reached out to all 3 credit bureaus, XXXX, XXXX, And Transunion. XXXX AND TRANSUNION Were able to verify that the account did not belong to me but XXXX reported the account back on my file. I need the XXXX  XXXX ACCOUNT TO STAY CLOSED AND BLCOKED FROM SHOWING ON MY FILE. I DID NOT AUTHORIZE IT NOR DID I GIVE ANY ONE PERMISSION TO FURNISH THIS INFORMATION ON ANY OF MY CREDIT FILES. The company is breaking the law per 15 usc 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2021
Product: Student loan

This is my 3rd complaint for the same issue. The Company 's responses have been inadequate. Stop closing my complaints just because the Company provided a response - INVESTIGATE. See XXXX and XXXX. I have been trying for months to get a statement from Nelnet. I have called multiple times and I have filed multiple complaints. I have not received a statement since XXXX. On the phone they told me that they were sending statements. In response to my first complaint, they said they " auto-enrolled '' me in paperless billing, but that they would change that back and send me paper statements. In response to my second complaint, they said they mailed it and it was returned because my address changed. MY ADDRESS DID NOT CHANGE. It is the same address on the Company 's response : XXXX XXXX XXXX, XXXX, Ohio XXXX. AND IT IS THE SAME ADDRESS WHERE I GET THE STATEMENTS ON MY OTHER STUDENT LOANS SERVICED BY NELNET. I have been trying for MONTHS to get a statement and it's always a different excuse. If they mailed it and it was returned, as they claimed, make them provide a copy of the returned envelope. I JUST WANT MY STATEMENTS! This is ridiculous. How many borrowers have delinquent payment on their records ( and may be denied forgiveness ) because this Company simply can not manage to send statements to them? Someone needs to take ACTION against NELNET!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Request for Removal of Inaccurate Late Payments Under the Fair Credit Reporting Act To whom it may concern, I am writing to dispute the accuracy of late payments listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The information being reported is either incorrect or can not be verified and, as such, must be promptly investigated and corrected or removed. 

Account Details : Creditor : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Under FCRA 611, I am entitled to dispute any information on my credit report that is incomplete, inaccurate, or unverifiable. After reviewing my records, I believe the reporting of these late payments is either a result of an error or does not meet the accuracy and verification standards required by law.

I request that you investigate this matter with the creditor and provide me with a written response detailing the results of your investigation. If the creditor can not verify the late payments with complete accuracy, I respectfully ask that you remove these entries from my credit report.

To assist with your investigation, I have enclosed the following documents : A copy of my identification ( driver 's license or state ID ) Proof of address ( utility bill or bank statement ) Please be advised that the FCRA requires you to complete this investigation within 30 days of receipt of my dispute. If the investigation finds that the information can not be verified, I expect these late payments to be removed from my credit report immediately. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide me with the outcome of your investigation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I created an M & T XXXX XXXX Checking with Interest Account online on XX/XX/2022, with a {$250.00} cash bonus code. Before the bonus was applied, the M & T website confirmed I was eligible for the zip code where I resided. 

The terms of the offer stipulated the {$250.00} bonus, would be paid out, within 90 days of a {$500.00} direct deposit posting to the account. A direct deposit over the {$500.00} requirement was posted on XX/XX/2022. 

I called M & T bank customer service on XX/XX/XXXX to confirm that I would receive the bonus and that the requirements had been met. The representative stated I had met the requirements and would receive the {$250.00} cash bonus within the stated 90 days, call reference number is XXXX. 

I called back today on XX/XX/2022, call reference number XXXX, and the customer service representative stated I would not be eligible for the bonus of {$250.00}, even though I had successfully opened my account with the bonus. 

In summary : In XXXX, I opened an M & T checking account with a {$250.00} cash bonus code. I verified the location I lived in was eligible for the bonus at the time of account opening. I fulfilled the direct deposit requirement on XX/XX/XXXX and confirmed with M & T of fulfilling the requirements on XX/XX/XXXX. Now on XX/XX/XXXX, M & T states I am no longer eligible for the bonus.
Product: Credit reporting, credit repair services, 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 XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : # XXXX, Account name : XXXX XXXX  XXXX XXXX, Account name : XXXX  # XXXX has violated my rights.

15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information.

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.
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 ). Cash App failed to take timely and effective measures to prevent and address fraud on their platforms leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they dont comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek proper redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I 've been trying to resolve 6/24/17 7/30/2017 the multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account. 
The Credit Bureau ( XXXX, XXXX & XXXX ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.
Product: Payday loan, title loan, or personal loan

I had a CD-secured loan account with Self Lender for 2 years. After 2 years ; Self guaranteed that when your loan is paid off after the chosen term, you can withdraw the money you borrowed, plus interest, from the CD. This loan was paid of XX/XX/2020. Early-Mid XXXX ; Self claims they mailed my funds via check to an old address on file. I updated my mailing address via my account portal as asked. Self stated they could not do a direct deposit which is one the option. Have reached out to them several times via phone and via email. Self promised my refund had been mailed. I emailed Self on XX/XX/XXXX stating I have not received my payment. XX/XX/XXXX, Self responded back that they see an address change on file but there was no communication to issue a refund and they apologized for the miscommunication with their representative. NOW they offered the Direct Deposit option. I was promised that the process would take 1-4 business day for me to receive my refund. It was been 7 days excluding the XXXX XXXX holiday. I have never been late on payment as SELF did auto draft to my checking account every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to freeze my accounts with the link offered by Equifax. There was no way to get it to work, I tried on multiple dates. Help, as time goes by, I am afraid that my accounts will be drained and my social security number used.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 Section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under a 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 ) is mailed or delivered to the consumer not later than 21 days before the payment due date. The A accounts listed below are in violation of 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Block this account that is erroneously reported in my file : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$4900.00}
Product: Credit reporting

Equifax is ignoring my requests to investigate and remove accounts from my credit report that were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through and I am writing to remove the following fraudulent items in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with any items listed below showing on my credit report. I, therefore, request that you immediately removal of these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
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 XXXXXXXX Balance Owed : {$6300.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00}
Product: Checking or savings account

I opened an account with Gemini Company Trust LLC in XXXX. On XX/XX/XXXX, I received an email that my account would be closed without explanation. My account is in good standing with no outstanding late payments or debts. I was given 5 days to withdraw all my funds. The company will not provide a reason for the account closure which is unfair consumer treatment.