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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian. Please delete the following accounts : XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$590.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$9700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

not authorized inquiries on my XXXX credit report
Product: Student loan

I had 3 private student loans with American Education Services. I recently paid one off and refinanced the other two. The loans are known to AES from their disbursement date : XX/XX/XXXX,  XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, I paid off the XX/XX/XXXX loan. On XX/XX/XXXX, I received a letter confirming the payoff of the XX/XX/XXXX loan. 

On XX/XX/XXXX, the balance of all of my AES private loans was approximately : XX/XX/XXXX :  {$0.00} ( paid in full ) XX/XX/XXXX : {$9300.00} XX/XX/XXXX : {$8600.00} On XX/XX/XXXX, I refinanced the XX/XX/XXXX and XX/XX/XXXX loans. The total payoff was approximately {$18000.00}. The new bank forwarded to AES a payoff amount of {$18000.00} delivered to AES on XX/XX/XXXX. 

AES misapplied all of my money. I very clearly took the steps necessary to fully pay off the XX/XX/XXXX loan through the AES website. I had the new bank follow the payoff instructions on the AES website to refinance the other two. As of the date of this complaint, AES did not fully close my XX/XX/XXXX loan and charged me {$56.00} in interest since the XX/XX/XXXX payoff date and my most recent inquiry about the loan on XX/XX/XXXX.

AES also misapplied the {$18000.00} intended to close out the remaining two loans by applying approximately {$13000.00} to the XX/XX/XXXX loan that only had a balance of {$9300.00}. The XX/XX/XXXX loan now shows AES owes me a credit of {$4200.00}. 

Additionally, AES misapplied the remaining amount from the {$18000.00} to the XX/XX/XXXX loan, causing the balance of the XX/XX/XXXX loan to show I owe AES {$4000.00}. 

I called AES multiple times to inquire how I could owe {$4000.00} on the XX/XX/XXXX loan while being owed a credit of {$4200.00} on the XX/XX/XXXX loan. AES is unresponsive, claiming I need to wait a few days for their " system '' to be updated. No such update has occurred. 

I also am unsure how I owe interest on a loan that was paid off two months ago.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the credit reporting agencies Experian for their failure to accurately report my XXXX account, despite my prior disputes. 

This account was charged off and reported to the IRS as a profit and loss, meaning it should no longer be considered collectible. However, despite being closed with a {$0.00} balance, the credit agencies updated the balance to {$840.00}, which is inaccurate and damaging to my credit profile. 

I previously disputed this erroneous reporting, but instead of correcting the issue, the credit agencies verified the incorrect balance, effectively worsening my credit status due to their failed attempt to update the account. 

Violations of Federal and State Law : 1. Violation of IRS Reporting Laws ( IRS 1099-C & 26 U.S.C. 6050P ) When a creditor charges off a debt as a profit and loss and reports it to the IRS on Form 1099-C, they are legally acknowledging that the debt has been canceled.

Under 26 U.S.C. 6050P, the reporting of canceled debt to the IRS means the debt is no longer legally enforceable.

The credit agencies continued reporting of a balance on a canceled debt violates IRS regulations and constitutes false reporting.

2. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) The credit bureaus are required to conduct a reasonable investigation when a consumer disputes an account. Instead of correcting this charge-off, they updated the balance to an inaccurate amount, worsening the error.

Failure to delete or correct inaccurate information is a direct violation of the FCRA.

3. Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Under FDCPA 15 U.S.C. 1692e ( 8 ), debt collectors and credit reporting agencies are prohibited from communicating false credit information, including failing to report that a debt is no longer owed.

Since the original creditor already charged off this debt and reported it as a loss, updating it to a new balance of {$840.00} is an unfair and deceptive practice.

4. Violation of South Carolina Consumer Protection Code S.C. Code Ann. 37-5-108 Under South Carolina consumer protection laws, unfair and deceptive acts, including the misrepresentation of debt obligations, are prohibited and actionable.

The credit agencies refusal to correct this charge-off and their inaccurate reporting constitutes an unfair credit practice under South Carolina law .
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital one 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited 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 to ensure my rights are upheld. Thank you
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act. Cash app ( Block, Inc. ) doesnt take the timely matter to address fraud. I feel that my account is not protected and secure. Trying to dispute any transactions is a problem and they dont take no action to resolve the problem, under the electronic fraud transfer act. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 Bank XXXX XXXX XXXX *Account name : XXXX XXXX XXXX  acct # Act. # XXXX *Account name : XXXX  Act. # XXXX *Account name : XXXX XXXX # XXXX *Account name : XXXXXXXX XXXX XXXX XXXX. # XXXX *Account name : XXXX XXXX acct # Act. # XXXX *Account name : XXXX XXXX # XXXX 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. 16815-2 ( 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 card

I have a 0 % promotion on my Bank of America credit card. New charges are charged at 16.9 %. I make sometimes XXXX or more payments and pay in excess one hundred dollars additional or more on my account monthly in order to pay off the new purchases. Bank of America was posting the additional payments to the 0 % promotion and not to the new purchases with higher interest rates. Therefore ' leaving me to pay interest incorrectly. I spoke to several representatives and was told that Bank of America was aware of the error and was working at appropriately applying the payments and would have the additional incorrect interest credited back by XXXX. I called Bank of America again on XXXX XXXX and the representative seemed to have no clue of the issue. I asked for a supervisor who initially seemed clueless and finally told me the changes would reflect in XX/XX/XXXX instead of XX/XX/XXXX now. 

I have made numerous calls to Bank of America in regards to this issue and have been continually put off.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card with XXXX XXXX  XXXX was set on auto pay and I never received any notice from XXXX XXXX  XXXX that my card was delinquent. After some investigation, it appears that this is a common problem where the XXXX XXXX XXXX auto pay malfunctions and costs people fees and adversely affects their credit. This started in XXXX of 2023. This delinquency is improper and should be removed from my report. After raising this with XXXX XXXX XXXX, they sent me a letter saying that I have no delinquent accounts with them, but my credit has not been fixed. Before this, Ive had approximately 2,000 on time payments and have never had an issue.
Product: Debt collection

Same people! leave msgs on work phone, home phone saying it is either XXXX XXXX or XXXX XXXX phone XXXX They are a XXXX debt collection company that I have complained about before and to the State Attorney General. they leave threatening messages, they just wo n't stop! they are called Critical Mediation XXXX for XXXX online loans. I paid off the last one I took out before XXXX. I was owed money for over a year and finally paid everything off!
Product: Credit reporting, credit repair services, or other personal consumer reports

I call XXXX XXXX XXXX today about this Business type Bank Credit Cards I didn't apply for I don't bank with XXXX XXXX never have open up account with them they ask me for my name and social security number see if I have a account with them it came I don't someone have a bank credit cards in my name it on my credit report and this JPMCB Card Services to someone apply for some type Business Bank Credit Cards I don't know this bank
Product: Credit reporting or other personal consumer reports

I have been a victim of a data breach and victim of fraud and victim of identity death. The accounts listed below were never open using my consent or permissible purpose or authority. They were open using my personal private information without permissible purpose the following companies never investigated or made contact with me to validate the accuracy of these accounts XXXX, XXXX, and Trans Union along with the creditors are in violation of FCRA federal law, as I was never contacted to validate the accounts mentioned. And you may be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA XXXX and 15 USC 1681C-two I demand that these accounts be removed within XXXX business days as permitted by federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 credit inquiries from this company that i did not authorize. The dates of these inquiries are XXXX XXXX, 2019 and XX/XX/2019. I have no idea what this company is and why they ran my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of a data breach, and I did not authorize these accounts or inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed without delay. 
XXXX Accounts to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$7900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$900.00} XXXX. XXXX XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$7900.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries to Be Blocked and Deleted XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX. XXXX  XXXX  ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX  I ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX disputed the 30 day late payment on my XX/XX/2023 ( XXXX ). pursuant to 15 usc 1666b timing of payments which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Also in pursuant to 15 usc 6802 Obligations with respect to disclosures of personal information ( b ) Opt out which states they must disclose to you, which they did not give me a disclosure to opt out of my non public personal information being reported to a non affilliated third party. This action has caused me hardship and embarrassment, and denial of future credit extension
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card taken out in my name with XXXX XXXX. I notified them I did not request this credit card ( which had already been used to buy {$6800.00} at a jewelry store in XXXX  FL ). They cancelled the card, and suggested I check with the credit reporting agencies. 
I saw the mistaken card on my Equifax report. I filed a dispute with them. I received an email saying my dispute has been resolved and giving me a confirmation # of XXXX. This was three weeks ago. Every time I try to log in to see the results, it says " This service temporarily unavailable, please try later ''. I have tried dozens of times. 
I called the customer service number XXXX. I give them my information and they tell me they can not verify my identity from my answers to the " security questions '', despite the fact that I answer them absolutely correctly. I have done this 4 times, always someone in the XXXX .... They end up telling me I need to send a letter to Equifax with copies of my email, passport, birth certificate and social security card. But they can't/wo n't give me an address. This is ridiculous! 
I'm the one who had my identity stolen, and this companies website, online chat assistance, and telephone customer service are all ineffectual. 
I have sent emails to Corporate complaining but have received no response. 
Meanwhile, they keep sending emails asking why I haven't checked the result of my dispute!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number XXXX. Medical account under XXXX opened on XXXX under account XXXX, XXXX opened XXXX under the account XXXX. XXXX XXXX opened on XXXX under account XXXX, XXXX opened on XXXX in the amount XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Applied for, and was approved for an American Express XXXX XXXX credit card on XX/XX/XXXX under a promotional offer awarding XXXX XXXX points for {$5000.00} spend in 3months, and an  additional XXXX XXXX points for an additional {$10000.00} spend in 6 months. The offer was valid through XX/XX/XXXX. I met the required spend numbers in XX/XX/XXXX ( for the first {$5000.00} ), and XX/XX/XXXX ( for the additional {$10000.00} ), yet was not awarded the sign up bonus. 

I contacted American Express numerous times about this and was constantly given the run around, even after uploading a screen shot of the offer that I signed up for. I called back in today, I believe my sixth call or contact regarding this matter, and was told that I was not eligible for the bonus " due to the channel in which I signed up. '' I signed up using an official publicly available offer directly from americanexpress.com using the " Apply '' button directly below where the terms of the sign up bonus offer are listed on my screen shot. 

I have attached an image of the screenshot of the offer I took at the time of my application and would be happy to provide access to my computer for a forensic analysis to prove that the screenshot is my own, and was taking contemporaneous with my XXXX XXXX Credit Card application.
Product: Debt collection

On or about XX/XX/XXXX I applied and was approved for a Conns credit account for which I purchased a Desktop XXXX computer. I returned the item the next day cause I was missing a part and I was dissatisfied with the unwelcome customer service treatment. I expressed that I did not care to purchase the computer, Conns stated to me that there would be a restocking fee of I believe anywhere from {$45.00} to {$75.00} dollars, I said fine, so therefore with the returned computer sitting on the conns counter and me sitting and waiting almost 2hours and being told that I would be help by a manager, I decided to leave .After a day or 2 I started receiving harassing phone calls and threats to damage my credit. I've never made a payment as stated on my credit report and I returned the merchandise. I never took ownership of said equipment and I promise there is absolutely no proof that I made an payment as is stated on my credit report. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting inaccurate and unverifiable information on my credit profile. I have reached out to dispute this information and they said the information was verified. I have reached out the court and they furnished me a letter stating they have not verified nor reported any information any credit reporting agencies.
Product: Money transfer, virtual currency, or money service

I went to chase bank in XX/XX/2022 to set up a bank account and they told me that it would be better if i set it up online I would get a {$600.00} credit on the account. I went home and set up a checking and savings account online like they told me to. I waiting to days to make sure everything set up and I did the mobile deposit with XXXX checks, {$300.00}, {$500.00} and {$2500.00}. I knew it normally takes a couple days to clear so I waited about 4 days and checked if they had cleared. It said the funds would not be available until XX/XX/2022. I thought it was just because the account was new, and they wanted to make sure it wasn't fraud so i waited and on the XXXX of XXXX i looked at the account and the available balance was there so i used the money to pay on one of my southwest credit cards. I used all of it but {$200.00} to make sure I still kept some money in the account. I checked the next day to make sure the credit card got paid like it should have at midnight that night. The credit card was back up to the original amount and both my chase saving and debit accounts were deleted, and the money was gone. I went back to the store and asked them what happened, and they told me because they could not verify the funds, they closed the accounts and would have to verify the funds in order to give my money back. I told them the two smaller checks were personal checks and the larger check was from my employer, and they said because my employers phone number was not verified by their system, they could not use it as a point of contact. I gave them the main number to 5 store locations, and they refused to use any of them. I even gave them the owners number which is worth millions and they said they could not use it. They advised me to have my employer put a stop hold or payment on the check and they could recall it. I went back to work, and they had their bank put a hold on the check and even try to put a stop payment. My employers bank called me back saying that chase bank had pulled the money out of my employers account on XX/XX/2022 and they could do nothing on their end. So, I went up to chase bank and told them they have already cashed the check on XX/XX/2022 and gave them proof and was advised there was nothing they could do until they could verify the funds and they were keep holding it until then. I then found out that the {$500.00} dollar check they verified they decided to keep it as well with the {$2500.00} dollar check. I told them that they can not hold money that they have already pulled out of someone else 's account that belongs to be, but they did not care. It has been over a month and a half of fightings this and they are giving me the run around and still holding my money. Today I went up to the bank and they told me only thing i could do it wait for them to release it back to the employer and they have no idea when they will decide to do that. That is my investment money and i could have grown it over % 100 percent by now and I'm losing money every day they hold it. They know it's a good checked because they cashed it over a month ago.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize where apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts and question and they are negatively impacting my credit. Per section 15 USC 1682 c-2, any fraudulent accounts that I did not authorize must be removed off my credit report in XXXX  days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

I submitted a request foXXXX XXXX XXXX suppression under Section 605C Trafficking Block Request. I need to move immediately and they are not helping me because they say I have to submit online. When I try, their site won't allow me to do the submission.