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

I am lodging a complaint today to bring to your attention that I have been a victim of fraudulent activity. After conducting research on the proper procedure to address this issue, I discovered that I need to file an identity theft report with the Federal Trade Commission or visit https : //www.ftc.gov. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report with reference number XXXX. Attached are documents to facilitate the removal of inquiries that have been erroneously posted to my report. Below is a list of items that were opened without my authorization : EXPERIAN : XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt.
Product: Payday loan, title loan, or personal loan

I took a 36 month personal loan with this company in XX/XX/XXXX for {$10000.00} to consolidate my debt. The information I received in the mail stated the APR would be 5.99 %. On XX/XX/XXXX, I received a EFT deposit of {$9500.00}. They withheld {$490.00} for their service fee. My annual APR is 25.99 %. XX/XX/XXXX payments are {$400.00} per month. ( Principal {$270.00} + Interest {$120.00} ). I am 2 months ahead in my payments. The last statement I received, stated my next payment is due  XX/XX/XXXX. Over the course of 36 months I will repay {$4500.00} in interest plus the initial {$490.00} service charge, for a total of {$5000.00}, plus the loan of {$9500.00} = {$14000.00}. I sent an email to their customer service dept., requesting that they review my payment history with them and consider lowering the interest rate, as I am not a credit risk. I received an response stating that I would need to call customer service, since they do not discuss private information via email. I called the number and spoke to man who politely explained that I would have to speak with their customer service dept. and transferred the call. I then spoke with a girl who sounded as though she was a child and clearly did not want to listen to me. She bluntly told me that WE ABSOLUTLY DO NOT Negotiate interest rates and I could make additional payments to reduce the loan. I thanked her and hung up. I am not asking that they change me no interest, I was asking if they would lower the interest to a more reasonable rate, since I am in good standing and have proven my ability to repay. I was misled by the initial paperwork I received and that this company clearly takes advantage of the public. I am paying back over 50 % in interest and processing fees. This is unacceptable and other consumers should be warned of this scam. A person should not need a magnifying glass to read the fine print, it should be clearly spelled out for them. I believe these business practices to be deceptive and misleading and this company should be held accountable for the people they have taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a letter from XXXX XXXX XXXX ( XXXX ). The same information was sent to Transunion, XXXX and XXXX in XX/XX/XXXX and XX/XX/XXXX by XXXX advising each to delete an open record they were reporting against me for XXXX. I also wrote each bureau in XXXX XXXX XXXX, XX/XX/XXXX and again on XX/XX/XXXX requesting that they follow through with XXXX 's request and delete the record. None either replied or deleted the record. This libel is affecting my credit score and contributed to a higher rate of interest on a loan I recently received. I am applying for another loan so this record is affecting it too. It is my opinion that the credit bureau 's are scams set up to discredit select classes of individuals. Further, these bureaus assert that it can take months to correct their records. This is unjustified, and I do not have months to finalize my current loan application. In this age of technology all such delay is utter nonsense and unacceptable especially given that loan considerations are impacted immediately.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and considered as fraudulent.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to an 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 adress 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: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX  a hard inquiry on my report was made for a bank that I did not inquire about and I did not inquire about this credit card. This is fraud. Thats why I put a freeze on my account. I have no knowledge of the credit card report. 
I did call XXXX XXXX, XXXX XXXX, and XXXX and they told me to file this report to get the hard inquiry lifted off of my credit score
Product: Money transfer, virtual currency, or money service

I agreed to hire XXXX XXXX, an advertising company to create and advertise my business services and programs on XXXX ( XXXX XXXX XXXX ) I authorized their fees to be made through payment via ACH from my bank. The first payment was for {$1600.00} was on XX/XX/XXXX. The second payment was taken on XX/XX/XXXX for {$2500.00}. The company didn't deliver as they implied and stated in conversation and written contract that they would. I gave them XXXX  months to deliver what they promised and then ended the contract. I asked for a refund from XXXX XXXX, which didn't provide the service, and they refused to refund the {$4100.00}. I then asked my bank to dispute the XXXX ACH charges, and they were denied, but not for valid reasons applicable to my situation. 

I would like to pursue the ACH disputes with my bank or other sources. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Bankruptcy Reporting by Equifax To Whom It May Concern, I am writing to seek your intervention concerning an issue with Equifaxs reporting of a bankruptcy case associated with my credit profile. Despite my successful dispute which clarifies that my bankruptcy was dismissed before discharge, Equifax has inaccurately verified this bankruptcy as reported. Below, XXXX detail the specifics of my case and seek assistance from the CFPB in resolving this matter. 

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 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 Equifaxs Reporting Status : Verified as reported Nature of Complaint : The bankruptcy in question was dismissed, meaning that the case was stopped before a discharge could be issued. This is critical as a dismissal should not reflect as negatively as a discharged bankruptcy on my credit report. The incorrect verification by Equifax has unjustly impacted my credit score and potential financial opportunities. 

Previous Attempts to Resolve : I have already engaged in the dispute process through Equifaxs prescribed channels, providing necessary documentation and following up through their customer service. Despite these efforts, the resolution remains unsatisfactory as the dismissal of my bankruptcy has not been accurately updated or removed. 

Requested Actions : A thorough re-investigation of the bankruptcy entry on my credit report. 
Correction of the entry to reflect the dismissal status of the bankruptcy. 
A detailed explanation of the verification process by which Equifax confirmed the incorrect status. 
Enclosures : Attached are copies of the dispute resolution from Equifax, documentation from the bankruptcy court confirming the dismissal, and correspondence with Equifax regarding this matter. 

I trust that the CFPB will assist in rectifying this significant error on my credit report and help ensure that such discrepancies do not recur. Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I had a house fire which was a complete loss in XXXX. XXXX XXXX was my mortgage company I had got my first drawl. Then they sold my mortgage to Freedom Mortgage. I was in the middle of getting my second drawl when the mortgage was sold. Freedom Mortgage has not honored what round point was given me. I have tried to fix this with them and I just get the runaround. Now my builder has pulled off and I owe money to the lumber company and other contractors. If things are not paid by the XXXX of next month I will be charged interest for what I owe.
Product: Mortgage

Why did I make payments to State Farm bank for the prepaid insurance they got from XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

All old addresses and wrong names and inquiries need to be removed from all three credit agencies. The client 's credit letter must be uploaded when the complaint is made to show that the client 's dispute letter was sent out and that it is over 30 days. It's still reporting on the client 's credit report and needs to be removed immediately for inaccurate information. 



This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, There are accounts that are reporting on my credit profile as open accounts on some credit agencies and in collections, on others, another wrong last reporting date due to inaccurate information across different platforms has caused me hard issues. 


1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

Sincerely, XXXX XXXX
Product: Debt collection

This debt is not mine. I 've been disputing this since it was with XXXX in XXXX of 2009. 7 years later it 's been sold off and has restarted. Please remove.
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I recently dispute inconsistent and inaccuracies from this company Bridgecrest and I sent them proper I.D., Social Security Number, and Lease Agreement that this is me. I received a letter from them saying my address don't match their file but that's not a good reason to ignore my dispute that I sent them which is a violation to FCRA AND CRA 'S. They are breaking the Law and Accordance to 15 USC 1681 et seq and 16 CFR Part 611 PROHIBITION AGAINST CIRCUMVENTING TREATMENT AS A NATIONWIDE CONSUMER REPORTING AGENCY ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit card

I paid the balance In full via telephone, and got a confirmation number for the transaction. 
Bank of America acknowledges receiving the payment but to date the payment has not been posted. 
BOA can offer no explanation why my account has not been credited, even though mychecking account has been debited and my bank has provided documentation that the funds were sent to BOADate of payment - XX/XX/XXXX/15Representative - XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, a credit inquiry was made to Bank of America for an XXXX  XXXX XXXX XXXX credit card. I did not apply for the card. Whoever did apply had my personal information, including correct Social Security Number, addresses, birthdate, etc. Bank of America did not approve the application, flagged it as suspicious, and sent me a letter notifying me. I called them to confirm it was fraudulent. They suggested I also call XXXX and XXXX. The inquiry did not show up with XXXX but did with XXXX. XXXX will remove the inquiry and told me to report the application to the police or FTC. 

I am of course concerned for my credit but much more concerned about this sensitive data being " out there '' and I will pursue actions to prevent it from being used, including placing fraud alerts with my banks and credit bureaus and am considering placing credit freezes. This is very annoying, and I hope FTC can help prevent further issues. 

Thank you for your time and efforts.
Product: Checking or savings account

First of all I would like to address a few issues here. Previously there was a dispute submitted for fraudulent charges on this First United Bank Checking for a XXXX Later I worked with that merchant after XXXX it to obtain the funds back from the fraudulent charges. First United Bank closed the dispute and told me no error occurred. When truly an error did occur. Secondly there was other fraudulent charges which required a dispute for a XXXX XXXX XXXX, XXXX XXXX. These were properly disputed as fraudulent transactions. At that time I worked for First United Bank. There motto is spending life wisely. I was fired from the company for filing these disputes. There were two other disputes filed which I cancelled. Which I showed proof I cancelled. This was done through online banking. They then proceed to advise me thats against their business policy to file disputes on transactions not valid on a checking account and terminated me. The following day I emailed in to make sure the disputes were cancelled. First United bank then proceeds to cancel ALL disputes including the fraudulent charges which then made my account have a negative balance of over {$6200.00} and then expected me to pay that back. When I wrote back in to ask why this was charged this way I was told they cancelled all disputes ( including the fraud ) and that I owed that back. Then they charged off my account. No where in their policy does it say you can not file a dispute on your own checking account as an employee. I do not feel I was fairly terminated. I do not feel I owe {$6200.00} either. The bank does a lot of shady things, they grant access full access to their it department to employee accounts / payroll and even lending. They discriminate against people who are victims of Identity theft and mismanage accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Equifax about inaccurate information on my credit report. Even after notifying them many times about these errors, they continue to report this inaccurate information on my file.
Product: Student loan

This is a Public Service Loan Forgiveness ( PSLF ) issue. 

I filed my first and only ECF in XX/XX/XXXX. Since I've entered repayment, I have always been on an income-driven repayment plan. The repayment plans have always been on IBR, ICR, or REPAYE. With the exception of transitioning to what was then the new REPAYE plan, I have never been in any forbearance or deferment. However, FedLoan provides 16 ineligible PSLF payments with the indicator " You Do Not Have A Bill Due For This Payment Period ''. My loans were with then XXXX  ( no longer a servicer with XXXX ). These were definitely qualifying payments. 

My Direct Loan servicers were as follows : XXXX : XX/XX/XXXX through XX/XX/XXXX XXXX : XX/XX/XXXX through XX/XX/XXXX FedLoan/PHEAA : XX/XX/XXXX through present FedLoan is missing so many months between XX/XX/XXXX through XX/XX/XXXX but has some records of my payment. That is incredibly strange that they retained and are only able to reconstruct part of my payment history with XXXX but not for other months. I need a full history in order for my PSLF to be processed. 

This effectively leaves me going well beyond the 10 years of service and payments, something that is contrary to the PSLF statute.