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

PLEASE REMOVE ALL ACCOUNTS AS PER THE GUIDANCE FROM THE CFPB THE DOCUMENTS NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX DEBT XXXX, WHICH FALLS UNDER XXXX  ACCORDING TO XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM VICTIM OF XXXX  XXXX  OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELTED FROM CREDIT REPORT! PLEASE DELETE THHE FOLLOWING ACCOUNTS XXXX XXXX  {$61000.00}, XXXX {$11000.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I am having difficulties with buying a house and applying for new credit cards. I paid the collection XXXX XXXX Reported : XXXX. XXXX, 2019 and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Debt collection

O/A XX/XX/XXXX I contacted CITIBANK Costco  indicating I was disputing accounting under the FCA/XXXX  and to date I have not received any information in regards to that. XXXX XX/XX/XXXX I sent notification again to date have not received a reply. On the XXXX of XX/XX/XXXX I received a Summons from the law firm of XXXX XXXX XXXX XXXX indicating they are representing CITIBANK COSTCO and suing me. I believe CITIBANK COSTCO has not followed dispute procedures. XXXX XXXX XXXX XXXX has not identified to me previously either they were trying to collect a debit, is this company a debit collector?
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft. my personal information has been used without my consent. there are fraudulent accounts on my credit report that are not mine. these accounts are due to illegal acctivity. please block and remove these fraudulents accounts 1 ) Company or Organization : XXXX XXXX Account Number : XXXX Amount XXXX 2 ) Company or Organization XXXX XXXX XXXX account number Account Number : XXXX amount XXXX XXXX ) Company or Organization : XXXX XXXX Account Number : XXXX amount XXXX
Product: Credit card or prepaid card

I have filed a complaint with CFPB, earlier ( Nos. XXXX & XXXX ) Upon the receipt of a letter, dated XX/XX/2022 from Discover Card Executive Office of Customer Advocacy requesting payments for unauthorized/unrecognized charges, I would like to upload additional documentation along with a copy of my letter to XXXX XXXX, XXXX Office of Customer Advocacy, Discover Card Corporation . As I have included details concerning several points worth of attention. Thanks. 

Regards, XXXX XXXX
Product: Credit card or prepaid card

Elan Services ( Fidelity ) filed in the credit bureaus that I missed a payment. Fidelity/ Elan Services has not sent me any letters or called me to notify. They did not try to reach out to me. I have received absolutely ZERO communication from Elan credit card Services on outstanding payments. 

I learned about the late payment because they filed in the credit bureaus and I got an email alerting me. I immediately called Fidelity/ Elan and made the payment I tried to fix/ negotiate the issue with Elan Services . I sent a letter that they received on XXXX/XXXX/XXXX  where I explained that my account with XXXX was closed due to divorce proceedings ( I am not obliged to have auto pay on ) and I had contracted Covid while overseas which impeded me to check on mails or do anything really since I was laying in bed. I provided evidence that I could not even check my mail as I was overseas. I sent a copy of the air ticket and of the XXXX diagnosis. I arrived back in the States in XXXX I did have similar issues with other banks such as XXXX and they understood my situation. However, XXXX reach edit to me via a letter that I was able to read and act upon and they did not file anything to the credit bureaus. Fidelity/ Elan services HAS not reached out to me. They did not send any letter to me either. I checked when I returned. 

My complaint is that Companies like Fidelity/ Elan services should have notified me because they put me in notice for a very small value in the credit bureaus. It is disgusting that after being a customer for 5 years they treat me like that. And Frankly, even adding that I had XXXX  ( meaning I could not do anything as I was laying in bed ), was overseas and that they did not notify me, they are not willing to budge and remove the late payment status. I have considerable force majeure items that prevented me to make the payment such as Fidelity/ Elan services not notifying me and contracting XXXX XXXX 

This is an awful company and I would like your support to revert this.
Product: Debt collection

On XX/XX/XXXX I received a call from customer care global a debt collection agency. They told me I took out a look in XX/XX/XXXX through withuloans for {$1200.00} and now have a balance of {$2200.00}. The representative had my dad 's email address on file, his mailing address, but my social security number and my phone number. The loan was deposited to truist bank with an account number ending in XXXX. I called truist bank to confirm i didn't have an account under my name which i didn't, also my Father also does not have an account through them and did not take out this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I buy a home XX/XX/XXXX ( this home scamed financial XXXX XXXX XXXX in XX/XX/XXXX with fraudulent scam ) XX/XX/XXXX EQUIFAX suffer a Data Breach My SSN has been compromised XX/XX/XXXX I sended my expenses for the compromised SSN XXXX has been received in the address provided for the Administration in XXXX XX/XX/XXXX talk with XXXX and give me my codes Since this month the phone XXXX never response until XX/XX/XXXX and XXXX XXXX. 
Said : " Your File does not exist '', '' we never receive your expenses '' No matter what you will doing nothing wan na change
Product: Checking or savings account

My Chimes account was suddenly closed without notice. Then I called to see if I could get the funds from my account ( approximately around {$1300.00} ) after talking to several operators I was told that a email would be sent on how I could retrieve my funds. Instead the email stated that wasn't eligible to be refunded because of SUSPICIOUS FRAUDULENT activities but never stated what exactly was considered as fraudulent. I am a frequent XXXX XXXXXXXX so money is constantly moving through my account.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint concerning outdated information in my consumer report, as provided by your agency. 
I urge you to update my consumer report with the accurate and current information provided, ensuring that no incorrect or outdated details are linked to my profile. Furthermore, I am requesting the removal of the following outdated addresses : 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 XXXXXX/XX/XXXX Additionally, for privacy reasons, I request the removal of the following associated employers : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX I have enclosed documents verifying my accurate personal details and the initial dispute via mail with the credit bureaus for your reference and prompt action. The inaccuracies reported violate my rights under the Privacy Act ( 5 U.S.C. 552a ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Both legislations mandate accurate and up-to-date reporting of consumer information.

I expect a timely response and resolution to this matter in accordance with the regulations outlined in the Privacy Act and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My NAME is XXXX XXXX XXXX. Please DELETE all other names as they do not belong to me. The following addresses do NOT belong to me, please delete them ASAP : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please ALSO delete : Phone Numbers : XXXX ; XXXX ; Also please delete the following inquiries that do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX  XXXXXXXX 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 My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX are NOT my accounts. Please REMOVE THESE ACCOUNTS AND THE NAME XXXX XXXX OR XXXX XXXX XXXX. MY name is XXXX XXXX XXXX Also please IMMEDIATELY REMOVE THE FOLLOWING INQUIRES WHICH ALSO ARE NOT MINE : 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: Student loan

American Education Service ( aka AES ) is the current servicer for my private student loans from XXXX University & XXXX University. I contacted them in regards to obtaining a lower monthly payment amount due to having a reduction in hours at my current job and also to have my due date aligned to the XXXX of every month. I have provided documentation to support my monthly income and expenses, yet they refuse to work with me and will only offer a temporary 3 month deferrment. I suggested a permanent option of reducing my monthly payment from {$700.00} to {$350.00} per month, which they still refused. At this rate, that I am going default will be the eventual outcome,
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # 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 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you. 
XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XX/XX/XXXX Experian
Product: Debt collection

Per my credit report Phoenix collection has placed the same charge on my credit report twice. Which is double charging me for the exact same debt.
Product: Debt collection

I was approved for federal student loan funds by XXXX XXXX XXXXXXXX at XXXX. Per the advisor I didnt meet the college requirements to receive the full loan amount granted. I am still being told that I used XXXX in students loans that I didnt not receive and have not been provided an option to dispute but it remains on my credit report. Balance is also increasing causing my credit score to drip and causing me financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year after noticing some inaccuracies on my credit report, I decided to reach out the credit bureaus to investigate. After further investigation it became apparent I have become a victim of identity theft. I've since sent in disputes, identity theft reports, and several other documents regarding my claim. It has now been over 90 days, and some of the fraudulent accounts still remain on credit file. XXXX XXXX, XXXX/XXXX, and US Dept Of ED/ XXXX are the accounts I've never had any association or received any goods or services related too. XXXX, Equifax, and XXXX  has failed to remove these accounts that were the result of identity theft. Under Fair Credit Reporting Act the bureau has 30 days to provide accurate verification which all bureaus has failed to comply with as well as provide a block per section 605b. There also several addresses along with inquiries that were requested to be removed which all still remain on my credit file which is unacceptable and a FCRA violation not to mention each one of the Dept of EDU -XXXX   accounts has mismatching or conflicting open dates which is INACCURATE information.
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 measurements 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 the Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Bank account or service

I set up a personal checking account with a bank XX/XX/XXXX. I had been " taken '' by a scam artist who wired money into my account, but later, after the account was " purged '' the bank produced an actual check made out to me and had supposedly my endorsement on the back. After the bank and I realized I had been " taken '' the manager informed me that I would n't be responsible for the loss but to make sure that this never happens again.I gave the manager as much detailed information about the man, along with contact information, as I could. I was instructed to file a police report, which I did online and received a case number. THIS IS MY COMPLAINT. XX/XX/XXXX, I went to open an account with another bank and I was declined. I requested a report from ChexSystems, which is who they verify possible new customers information with, and I see that I am on ChexSystems for SUSPECTED FRAUD ACTIVITY, Closure Status : UNPAID Original Charge Off Amount : $ XXX.XX with the bank that I had the issue with the scam artist. This is frustrating because I was told not to " worry about it, just file a police report ''. ( XXXX XXXX PD. XXXX, is the case number ) Well, now I 'm having to " worry about it ''. When I attempt to call their customer service line, I am on hold indefinitely. Luckily, I have an account opened with another bank, which I had opened before this mess, but I should not be in ChexSystems since this was a case of Fraud Activity and the account was purged. I do not have a history of doing such acts. This must be resolved.
Product: Credit reporting or other personal consumer reports

I am writing to dispute accounts on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these accounts and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo bait and switch scam. 

They offer a {$400.00} checking bonus on their website XXXX XXXX   XXXX And then are declining customers with perfectly good credit. They declined me and sent me a deceptive email requesting that I can not open the account online, yet IMPLY that I can still get the {$400.00} bonus by simply presenting identification inside a branch. 

***The branch has no ability to complete the process that was offered by the Wells Fargo Online Department XXXX That is clearly deceptive. XXXX The branch then attempts to call the online department for verification. The online department redirects the branch to call the sales department, and the sales department redirects the branch to call the online department in circular fashion so the issue never gets resolved! 

This is a bait and switch because when you apply, you will automatically be decline after 24 hours no matter what you do. They deceptively told me to " unfreeze '' all my credit bureaus, and after doing so I still got declined! I have perfect credit and they simply want me to open an Everyday Checking account with no bonus in the branch, after initially attracting me with a {$400.00} offer online that they have no intention of fulfilling.
Product: Student loan

I have tried multiple times to get a hold of the servicer by phone and email. The phone numbers are disconnected and the website says " you are not authorized to perform this function '' when trying to log into the home page XXXX XXXX XXXX I attached the information I could find on the phone numbers, one of them actually leads somewhere but it's to a company called " XXXX  '' loans or something. 

Payments have continued to hit my checking account monthly on the 22nd of the month as they always did under XXXX. 

I have no idea what the remaining balance is on them, how to pay off early, etc. 

Very similar to the other complaints I found online for this company ... Which I attached.
Product: Debt collection

I have a student loan that was sent to a debt collection called TransUnion. I have never received mail from this company stating that my debt was forwarded to them. I had to find out through XXXX XXXX. I have never received a call from this company about my debt. I have tried to get a hold of TransUnion for several months since then, but no one ever answers my calls. I have even left voicemails with a phone number to reach me at, still no replies or calls back. On XX/XX/XXXX, I filed a dispute through XXXX XXXX. The dispute was submitted to TransUnion that same day and was under investigation the day after. TransUnion received my request on XX/XX/XXXX. The company had 30 days from then to respond. Today is XX/XX/XXXX but the dispute status still says " under investigation ''. I have not received a response by phone or by mail.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I received a text from a friend advising me that she sent me {$2400.00} as a test transmission when trying to set up a Cashapp account ( see attachment ) and to please send the money back to her. I was alarmed to receive the email and called to verify with her that the text was legitimate and actually came from her. She verified that she did send the money and also sent the request for the return of the money. She said she was on the phone with XXXX and they were helping her set up her Cashapp account. I told her I thought it was a scam because XXXX wouldn't help her with that but she insisted it was not a scam and to send the money back. At that point, I went into m Cashapp account and saw where she did send me {$2400.00} which I immediately sent it right back ( funds never left my Cashapp account, see attachment ). She informed me the next day that the funds never went back to her account and she was scammed. I advised her to contact her bank ( XXXXXXXX XXXX  ), file a police report and the state Attorney General to try to get her money back. On XXXX XXXX, I received a text from Cashapp informing me that my friend filed a dispute with her bank for the {$2400.00} and they were refunding her the money from my XXXX XXXX XXXX XXXX account ( see attachment ). They withdrew {$2400.00} from my account without reviewing the transaction, my authorization. I never removed the funds into my bank account and sent the funds back t my friend via Cashapp. They have basically stolen my money in order to reimburse my friend for her negligence and allowing herself to be scammed.
Product: Credit reporting or other personal consumer reports

n 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 XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX, has violated my rights. 


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

I have inquiries on my XXXX Experian, and XXXX  credit report that I did not authorize. Starting from XX/XX/2021 till now. I have called numerous time and I have sent letters out regarding this issue, and it still hasnt been resolved. This is affecting my life really badly because I am unable to buy a home or do what I need to do. I went to the credit union yesterday to see about a personal loan and they analyzed my credit report. They claimed that I requested a personal loan in the amount of {$1700.00}. When I checked the address of the requestor, they stated that it was an address from XXXX, TN in which I have never lived there. I have been trying to remove that address for about 4 months now. I have disputed these things multiple times and no one has taken it off. Please help me resolve this issue.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones Failure to Deposit my direct deposit from my employer and any other incoming deposits. Capital one has sites technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires Timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter.