23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/ I have received an email from the U.S. Department of Education about that a loan service called EdFinancial said that I got payments due in XXXX. I was clueless about this payment because nobody notify me about this. Also, I have never signed up to a EdFinancial account. Then, I got mail from EdFinancial stating that I owe XXXX dollars for the month of XXXX. I am so confused at this point because I am already paying student loans to XXXX XXXX.
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 measures to prevent and address fraud on their platform, leaving my XXXX  ).

account vulnerable and unprotected.

Furthermore, their dispute resolution proces... 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 redres for these violations.
Product: Credit card or prepaid card

For the past year, I've been paying off on time the full balance on my PayPal Mastercard by Synchrony Bank. As usual, the last payment of {$920.00} posted on XX/XX/21 was an online banking electronic transfer ( not a check ) and they had my money in their pocket the next day. Yet, so far to date, they have put a " hold '' on my payment for no good reason and did not update my credit card balance for half the next billing cycle in effect rendering my PayPal Mastercard useless. They did not even notify me of their action and I had to find out on my own by keep checking my summary online and finally calling them. The girl on the phone had no explanation, kept just apologizing for the decision, and basically was telling me it is what it is until they decide when to reflect my payment. Apparently, they can sit on $ XXXX of your money for as long as they want and answer to no government agency. The online consumer reviews of this bank can't be any lower : XXXX XXXX XXXX XXXX XXXX XXXX https : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act this creditor 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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
Product: Debt collection

On XX/XX/XXXX I filled a dispute for An account that I didnt recognize that had a {$3600.00} Debt and it was hurrying my credit score dramatically the company Name goes by XXXX  XXXX XXXX Under Eastern Account System.
Product: Credit card

I called last week to discuss account XXXX. I asked for XXXX XXXX but he was not, as I was dealing with him over account. I was currently, speaking with a XXXX XXXX and I asked for clarification on information on account above for payment, as your system was down. He proceeded with stating that I was in a law suit with them that has been filed. I was confused and I asked for clarification I was not aware and for what over above account. He continued to state that this is for a account I believe he mentioned XXXX and that I had to pay over {$8000.00}. I told him I was not ware and for what this money is for. He continued to state that yes I did, and I had asked for dispute. I stressed to him that no, I did not and I only called about XXXX and nothing else. I told him I did not have any information or was mailed anything. He started to be pushy to force me to pay for something I was not aware of. I told him what the large amount of money was for ( details ) and he did not want to answer and stated " MCM only files lawsuits we do n't have any other information ''. I repeated what he had just told me and he hesitated with any other information. He only stated I am in a lawsuit and I would get into in the mail in 2 days. Two days have passed and I have not received anything about his threat. I did not appreciate the bullying and threating behavior by this employee.
Product: Student loan

Navient has been manipulating my payments so that it only applies payments to the accrued interest, and nothing to the principal, making it impossible to pay off.
Product: Money transfer, virtual currency, or money service

XXXX. This Complaint has been directed to your complaints/fraud department ; therefore, we shall reasonably assume that it has been received by the correct party. The relevant officials must be made cognizant of the ordeal I have suffered as a result of internal failures and violations of law at your company. 
XXXX. Description of the Incident I was approached over the Internet and subsequently added to a XXXX XXXX  chat where investments, high yields, and success rates were frequently discussed. Eventually, the scammers introduced us to a platform named Publliic-PRO with the domain publiic.com.cn. We did not question the legitimacy of the platform due to the false evidence of regulations and success they provided. This led to persistent pushing, harassment, and coercion to make transfers in specific amounts and sequences. As a result, XXXX wire transfers were made over twenty days in XX/XX/year>, totaling XXXX USD. Throughout this process, the bank did not question the suspicious nature of these transactions, which further facilitated the scam. 
XXXX. Against this background, I hereby respectfully file this Complaint with your company, an internationally recognized and respected financial institution. The Complaint meticulously states several recognized and viable causes of action, inter alia, negligence, breach of implied contract, and other similar claims for which I seek damages, as well as attorneys fees and costs, to the fullest extent permitted by law.
Product: Debt collection

According to my Credit report, I have a derogatory mark on only my XXXX report, appearing with a balance of {$7300.00} reported by National Credit Audit Corporation dated XX/XX/year>. The original creditor is noted as The XXXX At XXXX. These bogus charges were made in connection with a lease/rental agreement ( for which I was only an occupant and not listed as a lease holder ). According to the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide me validation of information within 5 days of initial contact. This includes, written notice of the debt, name of the creditor, and my right to dispute said debt, and phone number and address for me to contact them. It has been 5 years, I have never heard from any debt collector about this debt. I have only ever seen it on my credit report. It has been removed from all major credit bureaus with the exception of XXXX, for it being fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOFI is reporting my credit limit as the balance amount.

My credit limit is {$7500.00}.

My balance was {$2700.00} SOFI is reporting the credit limit as {$2700.00}
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. 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 XXXX XXXX XXXX XXXX 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 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: Debt collection

I was never sent a letter by Southwest Credit Systems ( XXXX ) XXXX for any debt. Yet they entered a collection for XXXX dollars. I paid this debt, and they have refused to provide me a receipt of payment. It is also still on my credit. They called me again today stating I had another debt, from a company I have never done business with and did not provide proof. I paid it, and again they refused to provide me a receipt of payment. In the past they would call me at all hours of the day and night and used multiple phone numbers to do so. At XXXX pony they were rude and abusive after I refused to pay them using my VA XXXX income. I finally caved and used that income to pay them.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) 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 those account 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.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( 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: Debt collection

Debt collector continues to call multiple times a day, before and after hours. I have not received any correspondence from them but I imagine that is because I am moving forward with Bankruptcy.
Product: Credit card or prepaid card

In the evening of XXXX XXXX, 2021 I purchased a streaming service with XXXX XXXX XXXX ( XXXX ) .The cost with fees was {$71.00} per month. With the purchase was given a 7 day free trial. My service started the XXXX of XXXX in the evening and the paid service was to start the evening of XXXX XXXX, 2021. My first charge was sent thru by XXXX on XXXX XXXX, 2021. Should have started the evening of XXXX XXXX, 2021. I cancelled the service on XXXX/XXXX/2021. XXXX continued to bill me thru XXXX XXXX, 2021. I went to XXXX with no resolution. Then I filed a dispute with CapitalOne to remove the charge for the XXXX 2021 cycle. CapitalOne initially removed the charge then rebilled the charge on XXXX/XXXX/2021. All supporting evidence is attached.
Product: Credit reporting or other personal consumer reports

Today, XXXX XXXX XXXX I checked my Experian credit file and noticed that a new hard inquiry appears on my credit report from XXXX XXXX XXXX dated XXXX This inquiry was not on my credit report yesterday when I submitted yet another complaint to the CFPB about inaccurate information being reported on my Experian credit report. I do not have any credit cards from XXXX XXXX XXXXXXXX nor have I applied or authorized a credit card application with XXXX XXXX XXXX. I am in shock at the mishandling of my credit report from Experian. This can not continue any longer. This mishandling of my credit report is hindering me from purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW EXPERIAN Pursuant to 15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ). 
This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database. 
Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. 
Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights. 
Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy. 
Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation. 
Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached ID report that I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me
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. XXXX XXXX XXXX : # XXXX, XXXX  : # 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 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: Debt collection

SOUTHWEST CREDIT SYSTE XX/XX/XXXX XX/XX/XXXX XXXX XXXX I XXXX XXXX XXXX  XXXX  I XXXX XXXX XXXX XX/XX/XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX HIGH CREDIT AMOUNT IS ORIGINAL LOAN AMOUNT ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPARTMENT COLLECTION DEPARTMENT/AGENCY/ATTORNEY UNPAID THIS IS NOT MY ACCOUNT , MY MOTHER RECENTLY GOT XXXX  FOR HERSELF IN MY HOME BUT I NEVER HAVE. ALSO THIS BOGUS ACCOUNT HAS BEEN RE-AGED TO FURTHER DEGRADE MY CREDIT
Product: Debt collection

I contacted this company XX/XX/XXXX and haven't heard back from them yet. They have yet to respond to my letter disputing these fraudulent debts. I was the victim of identity theft and need to get this fraudulent account removed from my report so I can move forward with my life. I submitted a police report and FTC report to the reporting agencies back in XXXX to XXXX and the CRA 's immediately removed this fraudulent account from my reports. This company attempted to pull one over on me and the CRA 's by re-reporting this account on my consumer file, after the CRA 's deleted it, by making the account seem like it was a different one from the account the CRA 's removed. I've attached the conditional acceptence I sent to their company on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One, is now in default after Not adopting reasonable procedures designed to ensure that each periodic statement including the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days BEFORE the payment due date and NOT removing ALL late payments in all consumer reports PURSUANT TO TITLE 15 U.S. CODE 1666b purpose, unless the creditor has adopted reasonable procedures designed to ensure that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any each periodic statement including the information required by section 1637 ( b ) of this title ... ; 1. First default : Each periodic statement did not include the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 

1a. This includes finance charges which is the sum of ALL payments INCLUDING late payments according to Section 1637 ( b ). No statement was given by the deadline, 21 days before the bill was due that included a " potential '' late payment fee prior to the payment was due. 

Notice Title 15 U.S. Code 1605 Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit ..., This is a notice of default and an opportunity to cure for CAPITAL ONE as the affidavit sent in support of my claim was not rebutted and my demands in cease and desist were not met as failure to provide the information required by TITLE 15 U.S. CODE 1666b. This is an opportunity to settle this dispute by providing my request of remedy due to the wrongdoings against me ( Violation of TITLE 15 U.S. CODE 1666b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX  Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed : XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$120000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$120000.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$120000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

these XXXX XXXX  have been harassing me for 30 years, never wanting to give me my credit report, reporting fake medical bills, when I have had medical insurance for over 15 years, they have taken it off to sell it to a new collector they had put a fraud alert on my account and I never asked them to so for years I could not get credit, I could not buy a house, could not get a car these low lifes ruined my life, now after having to fight and go to court to get the fraud alert off, all the credit reporting agencies have my credit right and the other scores are XXXX XXXX, but here we go again with transunion they are keeping my score down XXXX and putting fake medical bills again on my credit and all of these fake inquiries, I mean why would a car company pull my credit 3 times in a row, and I have never even heard of these other companies except XXXX  XXXX, but I never asked for them to give me a car loan, this company also refuses, everything I try to get my yearly report online they will never allow me to and it is my report And I have a right to see it and dispute transactions, I want them to stop reporting false information on my report, and give me the name and address to send the lawsuit papers because I have had enough, enough is enough I am XXXX years old and I am sick send tired of putting up with there is and bad practices.