23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had this credit card account reference number subjected to a forensic audit to assess potential violations of securities laws, and during the review, I discovered that a CUSIP was attached to the account, indicating that it had been securitized. Upon further investigation into your filings with the U.S. Securities and Exchange Commission ( SEC ), I found that your company is prohibited from trading these accounts on the secondary market under Rule 10b-5 of the Securities Exchange Act of 1934, which specifically prohibits the misrepresentation or omission of material facts in connection with the purchase or sale of securities. The presence of this CUSIP attached to my account directly points to an illegal assignment and misrepresentation of the transaction. Not only does this breach your filing and disclosure obligations under the Securities Act of 1933 and Securities Exchange Act of 1934.Additionally, I have an expert witness prepared to testify that this credit card account is unenforceable due to the improper transfer of the account. Therefore, I assert that the actions taken by your company in securitizing and transferring this account, without providing the proper legal documentation or disclosure, not only violate securities laws but also constitute fraudulent conveyance and a breach of fiduciary duty under state contract laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX  student loans wrote off and closed an account with student loans worth {$10000.00}. This was unbeknownst to me for several months till I had to file for a loan and got rejected a few weeks ago. Upon reviewing my credit report I noticed a write off from XXXX student loans. This is a loan for which I am a co-signer. 

The loan was put on a disbursed schedule during the pandemic and XXXX had never informed me when the disbursement had ended. Furthermore XXXX had never informed me and I had never received either through email or mail that the loan was about to be written off. 

This write off has destroyed my credit score that I have worked so hard to build. I had the means to pay for it all this time but XXXX had never given me the opportunity to do so but rather sent it to write off without any notification whatsoever. I believe that that is a violation of consumer protection law and thus I appeal that this write off be removed from my credit report.
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 Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Delay Due to Billing Error : I was not notified of the correct payment amount, as the statement issued by XXXX contained an error. This resulted in a delayed payment, which should not have been reported as late since I resolved the issue promptly after receiving the correct billing information. 
No Late Payment Notification : I was not provided with any notice from XXXX regarding an impending late payment. Under the Fair Credit Reporting Act ( FCRA ), I should have been notified before any negative information was reported to the credit bureaus, which did not happen in this case. 
Evidence Provided : I have attached my payment history and bank statements, showing that I made all payments once the correct billing information was provided. This clearly demonstrates that the late payment was due to a billing discrepancy and not negligence on my part. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 XXXX
Product: Payday loan, title loan, or personal loan

I went to XXXX XXXX to get a bedroom suite XXXX I got approved for XXXX credit with American First Finance. XX/XX/2018 ... my payments were XXXX monthly.. I made timely payments and I paid off the furniture but Im now being charged XXXX for fees for not paying it off in 90 days. I am XXXX and work part time trying to make ends meet. They cut my hours after the holidays. I want to pay but I asked them if I could get a lower money payment they said no this is what you signed. But my signing on a computer at the store I didnt know about the extra fees ... nor did I receive a statement saying to pay off early or pay extra fees. What can you do to help me?
Product: Credit card or prepaid card

XX/XX/2022 i made a payment of {$460.00} and the money came out of my bank account that night, the next morning I am showing no available credit I call capital one and ask what is going on they say that are holding the money to make sure it comes out of my bank, informed already passed pending and money is out of account
Product: Mortgage

I received an official looking letter in a XXXX envelope. It said that my FHA MIP premiums could be reduced effective XX/XX/2015. The following pages were government FHA docs which included the name of the Acting Assistant Secretary for Housing - XXXX ( XXXX XXXX ). I called the number and they were a mortgage lender. They said they were affiliated with the government. 
Fortunately I 've worked in the mortgage industry so I realized at this point that they were trying to get me to refinance my mortgage. They 're only affiliated with the government in the sense that they 're able to provide FHA loans. It 's completely misleading to the consumer who thinks he/she is receiving a reduction in mortgage premiums NOT a standard FHA refinance which could cost thousands and/or add years to they 're mortgages. The way the company ( XXXX XXXX XXXX based in NY ) presents themselves is a scam.
Product: Credit card or prepaid card

XXXX charged me {$390.00}, no knowledge of the transaction, disputed with NFCU, and provided a statement no further information can be provided. However, they still closed the claim, claiming no error has been found.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting an incorrect coding of the XXXX   XXXX/XXXX partial account number ****XXXX. This account actually needs to be coded as an M1. ( Please see pages 6 and 7 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Money transfer, virtual currency, or money service

Venmo froze my account for 8 business days after locking the account. Verified all info they request and still my funds and account are frozen. I've called 18 times spoke to supervisors as well as emailed these people and no one can seem to help me. I need my funds.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX PayPal has put a hold on my account with a positive balance of {$280.00} USD. 

A XXXX  of mine XXXX accidently sent me a double payment of {$380.00}. The first payment from XXXX made on XX/XX/XXXX was put on hold after I was cleared of the new seller status and Paypal advised that no other payments would go on hold. However this payment was put on hold so Paypal advised that I tell XXXX to do click " confirm delivery '' in the activity section of the payment. 

I tried to explain this to XXXX twice but again there's a language barrier. I sent XXXX a paypal link on how to complete the steps and she some how manage to send the payment again. Paypal then puts that payment on hold and then puts my ENTIRE account on hold. 

I called customer service to have the hold lifted since it was an accident, could provide proof and refunded the customer. The rep then tells me to upload my ID, I told her " no '' and that I shouldn't have to jump through hoops for something that was an accident on the buyer 's part. 

The rep puts me on hold and then comes back saying there's another account of mine ( it's not ) that owes money and until I resolve that, they will not release my {$280.00}. I spoke to another rep and she said the account hold was BECAUSE I owed money. It was then verified that the " account step to resolution '' wasn't added to me account until TWO HOURS afterwards. Which the second rep said is " weird '' and if my account was locked because I owed money, that would be there first. 

The first rep also argued stating that I had to upload my ID because my account was " new ''. My account is no longer new and was reviewed per Paypal 's policy at 90 days and I was removed from the new account status. 

I just want my money released back to me, I have nothing to do with that other account.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit card

I have a credit card from Chase Bank XXXX This account was closed as of XXXX/XXXX/XXXX. 
Chase is reporting this account late and in default. 
I had filed a complaint in XX/XX/XXXX, and Chase the resolved the issue then, but i=t still keeps on showing up on my credit report. This has caused irreparable harm to my financial situation, and i am demanding that Chase remove the negative information immediately
Product: Debt collection

I went to the XXXX on XX/XX/2014 after having an accident in my work. They supposed to send the bill to workers compensation of my employer instead they send me a bill for the amount of $ XXXX from XXXX XXXX
Product: Money transfer, virtual currency, or money service

Coinbase has locked my account twice in 5 days for no reason they are holding my btc in my account and wont respond. Ive verified my card with XXXX small transactions and my identity. My bank said I cant dispute because the cant dispute btc transactions can you please help.
Product: Debt collection

On Friday, XX/XX/year>, I contacted the XXXX XXXX XXXX XXXX XXXX and spoke to a customer service representative named XXXX. I reported that I was disputing the emergency room bill of {$1200.00} and the emergency room doctor 's bill in the amount of {$860.00} because I received no healthcare services nor was any test completed on me to assist me with my diagnosis of XXXX XXXX XXXX XXXX XXXX XXXX. I informed her that I was sent home with a prescription for XXXX  which was not the solution to my healthcare challenge. 
Since the date of Saturday, XX/XX/year>, I have sought care from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and had to have XXXX XXXXXXXX XXXX XXXX  XXXX on Tuesday, XX/XX/year>. 
The bills sent to my insurance company for the dates of service of XX/XX/year>, with XXXX XXXX XXXX, and XX/XX/year>, with XXXX XXXX XXXX XXXX XXXX and doctor are fraudulent as no tests were done and no services were provided for XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am initiating a dispute and investigation into these wrongly reported accounts on my credit file. The Fair Credit Reporting Act entitles me to {$1000.00} for each incorrect report on my credit file. I am aware that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Product: Checking or savings account

Chime canceled my account because they said I didn't provide them with documents of where I got my XXXX deposit from. I told them it was from my moms inheritance. They closed my account and kept my money which at time was less tha XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX XXXX
Product: Credit reporting or other personal consumer reports

I could not acquire this bank loan because of my score not showing up in the Equifax system. However, when I look my credit up on XXXX and Equifax you are able to see my scores and what is affected it and what is helping it etc. I reached out to them months ago about the problem they told me I needed to provide documents confirming my identity so they can proceed to fix the problem. so I mailed them in like they asked. And after a month or a little longer, the problem was still happening. I called there to confirm they got the mail weeks later and they say they did. But needed to wait for it to be processed. So, weeks later I called again and asked what was taking so long to fix it and they told me they may have lost the documents so I need to resend them. I resent those documents and now we are on the 3rd time I am dealing with this which is ridiculous and unprofessional because they told me the same thing they said last time which is they think they were lost. 
So now I am bringing the problem to light because it is affected me and my financial life when I try and get funding or get into my house I am looking to move into this summer. Please help me fix this problem
Product: Credit reporting or other personal consumer reports

Hard inquiries on my 3 Credit reports that I never Authorized.
Product: Credit reporting

I did n't change my address, some one change my address and open a XXXX under my name,
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there is a Chapter XXXX Bankruptcy Discharge Ref # XXXX. I have never filed for bankruptcy and asked that you have the bankruptcy removed from my credit report.
Product: Debt collection

The collection that AFNI is trying to collect is {$250.00} and the original creditor is 11 XXXX XXXX. Previously this month thus collection was disputed by the original creditor and it was dismissed from my credit report only to reappear weeks later as an AFNI collection. I would like this removed as well as I didnt own the original debt so therefore do not own this debt.
Product: Student loan

For the past few years I have been struggling to pay my private student loans through Navient. I have a monthly payment of around {$670.00} which was based on my previous job as a salaried employee which I set up a few years ago. They refuse to lower my principle monthly payments and will only offer me interest-based only monthly payments which defeats the whole purpose of paying back these loans. I have done this in the past but I believe I was mislead to doing this a few times which has extended my payments. This is in addition to Navient creating difficulties for my repayment by providing misleading information including guiding me into entering loan forbearance in addition to other avenues that led to my crumbling credit score. This does not include the thousands of harassing phone calls that I and my family ( the cosigners ) have received, every day, multiple times a day
Product: Debt collection

Focus Financial Services agents have been multiple harrassing and threatening phone calls claiming to represent XXXX Hospital about a debt that as per my insurance company which has informed XXXX Hospital both verbally and written letter that their client ( myself ) do not owe for any excessive charges on services rendered on XXXX XXXX, 2014. All payments have been made in full.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when the transaction was authorized.I was charged fees due to the lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

I opened a credit card with Chase bank in XXXX XXXX that had promotional miles and an annual fee of {$60.00} that was to be waived for 1 year. In XXXX XXXX I was charged an annual fee. I assumed it was for the coming year. I called Chase in XXXX XXXX and was told that the annual fee I was charged in XXXX XXXX was for the coming year. I had already paid the fee so I held on to the card for the next year. Today I called Chase to downgrade to a no annual fee card and I found out that the annual fee is backwards looking. I should not have been charged an annual fee in XXXX XXXX. Chase does not have my old cardmember agreement and would not waive the fee for that year or this coming year. I felt this was unethical and canceled the card.
Product: Debt collection

I just received a letter from XXXX XXXX at CITI. As far as I know I have never had a CITI bank card. They stated the amount was {$200.00} principal, {$160.00} interest and {$240.00} in fees for a total of {$610.00}. They want me to call XXXX XXXX XXXX. at XXXX, which I will not do. I see there was a lawsuit in 2016. 

Please advise. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unrealizable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I logged into Experian to remove my Credit freeze. So after doing that when I log in it says it was removed. But when you  look at my credit it is from XX/XX/2016. How do I get it to update to current. I have tried EVERY option on their phone tree. Can you help me with this and get my credit updated. I have already removed it off the other sites. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am directly submitting this complaint without any third-party intervention. Attached are letters providing detailed information about the discrepancies in my credit report. The credit bureaus XXXX, XXXX, and Equifax have reported erroneous information with inconsistent and outdated dates.
Product: Credit reporting or other personal consumer reports

I have tried to obtain my annual credit report but was unable to. I was told to call the bureaus to obtain my credit report, which I did but I have still haven't received anything.