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

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXXBalance : {$2800.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I noticed that there were inaccurate accounts and information on my consumer report. The companies reporting my information never gave me my right to opt out of credit reporting and furthermore, they never asked for my permission to furnish this information furthermore they have assumed this vital role and have infringed upon my right to privacy, selling my information to a third-party debt collector. In pursuit to 15 USC 1681 ( 4 ) my privacy has been invaded, and damages have been done, the damages that arose were to my mental health, and it also stopped me from traveling to and from work. Also, it caused financial harm, and it also damaged my overall reputation with lending institutions.
Product: Credit card

I have always been on autopay with my Capital One credit cards. When I reviewed a recent statement it said if I raised my minimum I could save on interest and it would lower how long it would take to pay down my balance. I canceled the autopay series to set up a new one as you can not edit but need to cancel and start a new one.

The system offered me to either make monthly payments or every two weeks, I chose the 2 week option as that would help even further by taking out smaller amount bi-weekly vs once per month. I set it all up and on my next statement I noticed a {$29.00} late payment fee. I called Capital One to inquire why the fee and was advised that my autopay was short. 

After some back and forth I was advised that on their end they do not have an option for payment every 2 weeks only monthly and that the days I chose for payments would always make them incorrect and I would continue to incur these late fees. I asked that they credit me back the late fee as I have never been late and thus have never asked for a fee credit. I was told NO, I asked to speak with a supervisor XXXX who also informed me that they would NOT credit me back the fee. I explained to her that their system on auto-pay did not issue a warning that If i continued with the dates I chose that I would incur this fee, If I would have been made aware by the system I would have chosen dates for the payments that fit into the billing. The Capital One system does notify you if you chose to pay on the monthly option. 

I requested an email to someone above her that could give me a reason why the credit could not be issued and was advised thst there is no email I could send to anyone. I requested to mske sure the call was recorded to provide further details if needed and was advised all calls were recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 
Account name : XXXX XXXX  Account number : XXXX  You're reporting a late payment in XX/XX/2021 yet XXXX is reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to find accounts that dont belong to me, and I cant figure out how they got there. Ive been regularly monitoring my credit report, but this time, there are errors that appeared out of nowhere. I even refreshed my browser, hoping it might be a glitch, but the incorrect accounts stayed. Im pleading for the documents Ive sent to be reviewed carefully so I can stop living with this constant fear and confusion.
Product: Mortgage

I have been working on getting a loan from QuickenLoans since end of XXXX. On XX/XX/XXXX, I signed an application ( loan # XXXX ) to lock in a rate and buy a new build condominium. 

I have a closing date of XX/XX/XXXX at XXXX and after checking and loading documents to their website every other day, I get an email on XX/XX/XXXX saying : " we are unable to lend on new construction condos at this time ''. 

It is important to emphasize that I have received a document signed by both parties on the rate and cost of the loan which has been disclosed. 
There has been no changes to the down payment required My employment, FICO score and income has not changed
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

I would like to ask for the XXXX filled with the IRS when my Accounts personal and business with FNBO was charged off. 
IRS regulations ( XXXX XXXX. XXXX ) require certain entities to file information returns with the IRS and furnish information statements to debtors, reporting discharges of indebtedness of {$600.00} or more. 

I need this to file my back and current taxes and be in compliance with the IRS rules. 
I will also like any and all the statements from my personal and business accounts be mailed to me at my address. 

i XXXX XXXX, A FEDERALLY PROTECTED CONSUMER, I AM writing to formally request to opt out of any and all authorization i the consumer may have given you, verbal and nonverbal, written or unwritten to the sharing of my nonpublic personal information or account with of your affiliate and nonaffiliated third parties, as well as any and all affiliates of First National Bank of Omaha ( FNBO ), as permitted under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, and any other applicable state or federal laws. 

Request Details Personal Information : My names is XXXX XXXX Account Number : Any personal or Business Accounts with your company I exercise my right under GLBA to prohibit the sharing of my nonpublic personal information with nonaffiliated third parties and request that this opt-out apply to any and all affiliates of of your company, unless such sharing is legally required or explicitly exempt under applicable laws. 
Scope of Request : This opt-out request applies to all nonpublic personal information your company and its affiliates currently hold, have collected in the past, or may collect in the future. 
Applicable Laws and Protections Gramm-Leach-Bliley Act ( GLBA ) : Your company is required under GLBA to notify me XXXX my right to opt out of sharing nonpublic personal information with nonaffiliated third parties and affiliates where applicable. 

GLBA obligates FNBO and its affiliates to honor my opt-out request and implement appropriate measures to safeguard my information.

Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681 et seq., I assert my right to restrict sharing of information related to my creditworthiness or other sensitive financial data with affiliates. 
State Privacy Laws : If there are additional privacy protections provided by state law where I reside, I assert those rights as well to restrict information sharing with affiliates and nonaffiliated third parties.
Product: Credit reporting or other personal consumer reports

I submitted disputes for XXXX XXXXXXXX XXXX and XXXX XXXX  on XX/XX/XXXX and also in XXXX to XXXX. They said that all the information is accurate twice. Transunion and XXXX are reporting that neither one of these accounts are delinquent. In accordance with the fair credit reporting act convergent accounts # XXXX and # XXXX  have violated my rights.

15 U.S.C 1681 section 602 A. STATES I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair Credit Reporting act XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I would like to submit a complaint against Citizens Bank. I recently was approved for education refinance loan for XXXX from them to get a new loan with a better interest rate. The funds were disbursed and now I am having two issues with my loan servicer. The biggest problem is my account login page now shows two loan balances, one for the previous loan and one for the new loan. and now they are collecting interest on both loans because the original loan balance has not been shown as being paid. The other issue I am having is that my original loan pay off amount at the time of disbursement was {$30000.00} which means they added {$390.00} to my balance which is not asked for. They have loaned me an extra {$390.00} and that amount has not been either applied to my loan balance or refunded to me. I reached out to them and they said it takes extra time to process but this is taking too long as it has been nearly a week since this has shown and since they are the original loan holder they should be more efficient to correcting and resolving these issues, because everytime they wait I am being accrued extraneous interest charges from a loan that should have been paid off and off the books. So far the extraenous interest charge is almost {$16.00} and growing. I would like this resolved immediately, I would like the extraneous interest I am being charged refunded to me or applied back to my loan and I would like that extraneous balance of {$390.00} loaned to me either refunded to me or applied to my new balance. If this is not resolved shortly I will be forced to take legal action.
Product: Student loan

Fed Loan Servicing incorrectly processed my loans. They forced me to take a forbearance for a month. A gentleman from their complaints department reached out to me to get this addressed. He was nice and took all of my complaints XX/XX/XXXX. He stated he would call me back. As of XX/XX/XXXX, no one returned my calls. I called Fed Loan Servicing multiple times. They told me to " leave a voicemail on his machine '' multiple times. It seems no one was able to contact him and just told me it was " unfortunate '' I have to take these forbearance. Unfortunately, the Fed Loan Servicing representatives do not realize that their delays cost me {$3500.00} per month because of the payments made under income driven repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX
Product: Debt collection

On XX/XX/2020, I was contacted by a representative of lender Vanderbilt homes who stated, " You are shown as a payer '' in relation to a debt owed by my XXXX and XXXX. 

I contacted supervision of the individual on the same day who admitted on a recorded call that the actions of the subordinate did happen and my name would be removed from their contact list for the debt. 

Per the representative of Vanderbilt Homes on XX/XX/2020, they would no longer contact me about a debt I do not owe. 

On XX/XX/2020, an associate of Vanderbilt Homes, XXXX XXXX, contacted me about the debt. The email states the following : " [ XXXX ] Hello, I noticed that we havent received a payment on the home loan in over 60 days. If you believe this was in error, or you are having a financial hardship, I am here to help you every step of the way. As your personal Account Representative, I would love the opportunity to speak with you about assistance options that may be  available. I can be reached at XXXX or by replying to this email. 



Kind regards, XXXX VMF WH Stack Color Logo-EPS XXXX XXXX Collections Team Leader Vanderbilt Mortgage and Finance , Inc. NMLS XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX ext XXXX XXXX '' I consider this a direct violation of the agreement for Vanderbilt Homes not to contact me from my copy of the preserved recorded call with their supervision on XX/XX/2020. 

I feel harassed by a lender I DO NOT owe a debt to.
Product: Money transfer, virtual currency, or money service

( 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 measures 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

Someone has hacjes my bank account and is trying to use it to wire themsedes money I know who it is
Product: Credit reporting 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 Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name STATE OF CT DEPT SOC S Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX and list of Inquiries. 


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: Checking or savings account

Bank of America I have try multiple times I even emailed them proof I didnt make charges of {$320.00} from XXXX XXXX I got a email from them with a person who used the card behind my back on line it say you will get a credit in one to three day it well over 6 days and still no credit in my account and no details where to send the proof except a fax number in which Im going to send again
Product: Debt collection

I called customer service several times to inquire about an account that I see on my credit. When calling I have spoke with several different agents and supervisors. They have all told me that they can not find my account in their system. I have asked to have the account removed from my credit report due to the fact that they can not find any information in their system in regards to my social security number and name and they are refusing to do so. I have also asked for them to send me written validation of this debt and they have not done so. I have spoken to XXXX XXXX and XXXX who is the supervisor.
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 researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed XXXX, Chapter XXXX Bankruptcy Dismissed XXXX
Product: Payday loan, title loan, personal loan, or advance loan

-> Details of the Issue : I am filing this complaint against PayPal Credit XXXX XXXX by Synchrony Bank XXXX regarding an unfair {$30.00} charge on my account, for a laptop that I purchased and minimum payment due date was XX/XX/XXXX. I am attaching a screenshot for the same as XXXX. 

XXXX of Events with Images : XXXX XXXX XX/XX/year>, I made XXXX payments of {$55.00} and {$5.00} each from my chase account, but it was returned due to bank restrictions. ( paypal XXXX ) ->To correct this, I successfully made a {$60.00} payment on XX/XX/year>, using my chase debit cardbefore the due date. ( paypal XXXX ) -> Despite my on-time payment, PayPal Credit still charged me a {$30.00} fee, as seen in images paypal XXXX and paypal XXXX. 

Attempts to Resolve the Issue : I called PayPal Credit customer service, and they confirmed that my payment was on time.However, they stated that their system does not allow them to reverse the charge, which is unfair and unreasonable. 

Why This is Unfair : I met all the requirements of my payment agreement by paying on time. 
The system error is on XXXX Credits side, yet I am being unfairly penalized. 
This charge violates fair lending practices as I am being charged despite fulfilling my payment obligations.