23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the de accounts listed IMMEDIATELY!
Product: Checking or savings account

Ok so I've been having lots of issues with citizens bank, I switched from one bank to them, since then I had to have new debit card after card issued because of fraud charges on my account, after a bunch of this happening I called them yet again 3 separate times on this one occasion in which I told them to block all purchases on my account and lock the account so nothing more could be done on my account, and was told they would investigate it all, in return no investigation was ever done by them, and they left the account actively going, they allowed charges after charges to try to be made on the account so they could rack up over draft fees and returned payment fees late fees and monthly service fees on my account, they kept sending me and still do send me threatening letters in the mail that I have to pay for it, I sent in a complaint to the credit bureau and it was investigated and the credit bureau agreed it was fraudulent charges on my account, they removed that account off of my credit report, yet citizens bank is still sending me threatening letters and have reported me to the XXXX and are now blocking me from opening an account with someone else, yet I tested to see if I could open a new account with citizens bank and yet I can, just they are blocking me from banking with someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy 15 USC Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I have disputed XXXX XXXX XXXX and they still have not validated the debt with a contract that has my signature stating that I have a contract with their agency. As a third party they are in violation of the Privacy Act of XX/XX/1974 because I have not given them my social security number for the purposes of a contractual relationship with them or permission to be in possession of my personal identifying information in violation of the FCRA and the FCDPA permissible purposes 15 USC 1681b and validate the debt 15 USC 1692 including providing the master servicing agreement for the debt as well as the items listed in my letter that was sent to XXXX XXXX requesting the debt be validated before reporting to the bureaus within the initial 30 days of receiving their letter and I complied and I received nothing but they posted defaming information to my credit report with through a third party Experian which is a violation of my rights according to the Privacy Act of XX/XX/1974 and the Patriot Act under Title 12 for companies who are securitizing my data through the SEC without my permission must have certain identifying documents and I have not provided any of those documents to XXXX XXXX. I am prepared to take legal action against both Experian and XXXX XXXX for using my bureau reports to post negative and defamatory information to my credit reports without my permission. 

Also the follow addresses do not belong to me and are a violation of identity theft because I never lived there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the above addresses that are fraud and do not belong to me. Please remove these addresses from my credit report. I have a right to a fair and accurate reporting to my credit report in accordance to the laws of the FCRA. I am the person who determines what posts to my report. Not Experian nor XXXX XXXX and both must conduct themselves in accordance with the laws of the FCRA, FCDPA and the Privacy Act of XX/XX/1974.
Product: Credit card

My payments on this account have always been timely, ensuring they don't become overdue. I'm confused about the late payment remarks on my account. Per 15 USC 1666b, billing errors must be corrected.
Product: Debt collection

I pulled my credit report and realized that I somehow did not get any notifications about affirm that my payments each month were not going through. fast forward I tried to pay affirm directly but they said it went to a collections management company XXXX XXXX I paid XXXX XXXX after they sent me a settlement offer since the account was around two years of age. I waited a few months and to see if it would update with payment less than full balance settled account. However now they are saying they do not manage my accound any more and to reach out to affirm again. I tried to contact affirm and they tell me each time that XXXX XXXX  still has my account. They ( trueaccord ) are misrepresenting what they offer and lied to me to pay on the account. My credit is now showing I have a past due balance of XXXX when it should be settled less than for like they agreed to and sent me a link to pay the balance for an offer they can not even help me with. Honestly XXXX XXXX and affirm together should both be investigated! Affirm for not getting a better way for you to get ahold of them, and XXXX XXXX for not sticking to their word and processing the information correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened in my Name with XXXX. I noticed this when I ordered my free annual credit report a couple of years ago. I reported this information to the credit bureaus as well as XXXX XXXX/XXXX  along with an identity theft and police report. Around the time that the account was opened, I was the victim of a hate crime where swastickas were graffetied on the walls of my building where I was staying in XXXX XXXX, New York and residing at the time. 

This account was opened with an address of XXXX XXXX XXXX, XXXX XXXX, NY XXXX which is a Virtual Mailing Office that I've never done business with. 

At the time this account was opened as a result of identity theft, I was under the supervision of the XXXX XXXX Court in XXXX, New York as an Order of Protection was issued by the same court for my personal safety and security. This came after my ex-roomate - who had access to my home office which contained true copies of my Passport, NYSID, Birth Certificate and Social Security Card - attempted to assault me and was charged by the same court. 

A XXXX shipment containing legal documents including my social security card, passport and NYSID was stolen out of my mailbox before it was picked up by a XXXX Driver for processing and delivery. 

A XXXX XXXX money transfer account was also opened around this time to send money to others using my name and date of birth ( identity ) without my permission or authorization. 

Another credit card was opened with XXXX XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports. 

Another credit card was opened with XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports.
Product: Checking or savings account

I came into some money from a sale of property I received two checks in the mail on XXXX I want and opened a checking account on XXXX the banker XXXX XXXX from SunTrust informed me that I can cash the XXXX and put XXXX in my pocket and he would deposited the remaining amount with the deposit of the XXXX would be a total of XXXX and said the money would be on my account in the morning so I waited a couple of days and I wanted a car and looked around then I found one do on the XXXX I bought a car gave them XXXX cash and wrote a check for the remainder which was XXXX to total the XXXX the next thing I know my account was closed nobody knows nothing I would receive my money back in the mail now it's XXXX and still nothing haven't herd nothing.
Product: Checking or savings account

I deposited {$2000.00} into the Beth-page credit union atm . And it only read and deposited {$140.00}. This happened on XX/XX/2024 XXXX
Product: Debt collection

The company took out a judgemebt on me after the amount of time allowed. All they have is the judgement. They don't have an itemized bill with dates or amounts. So many times they send me fake documents saying I was due in court so when they got a real one I had no clue they did. I feel this is how this company operates. Tricks and lies!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX  XXXX, CBNA, and XXXX XXXX. The Account Opened is XXXX  XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}. The Account Opened is CBNA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit card

I was charged a {$27.00} late fee because GE Capital Lowe 's card prohibits their auto-pay users from paying prior to the due date and forces all auto-payments to be made on the exact day due. Such prohibition assures millions in late fees whenever a bank holiday prevents timely payment for their auto-pay users. Clicking on the chat icon directs the consumer to a defunct link. 

GE Capital Lowe 's card additionally prohibits purchases of small items who wish to pay off their purchases before incurring interest from doing so if the same consumer already entered into a low-interest long-term fixed payment agreement for a big ticket item balance also on the same card account. Thus any money sent even if it is multiples of teh monthly payment on the long-term loan only gets applied to the low-interest long-term loan forcing the consumer into paying 5-6 times higher interest on small purchases. Lowe 's response that all you have to do is call each month to rectify but after doing this three times in a row and being tossed back and forth between departments to be re-validated for 30-90 minutes each time it is cheaper to simply never use the Lowe 's credit card for small purchases if you still have a loan balance for a long-term agreement at a low interest rate.
Product: Credit card or prepaid card

This XXXX XXXX has called me at least twice - the last time at XXXX XXXX. on XX/XX/2018 and leaves a message that says " get a paper and pen to write down this code ''. And then repeats it several times. Today, XX/XX/XXXX, I called the XXXX and asked about their calls. I told them that I don't have a XX/XX/XXXX and they asked if I had a XXXX XXXX, XXXX XXXX or XXXX card. I told him that i have a XXXX card and he assured me that was why they were calling. He wanted the credit card number and when I won't give it to him, he asked for my social security number and I also WOULD NOT give it to him and hung up. I then called XXXX with the number on the back of my XXXX card, and they said that they would make a note of my call and they were glad that I didn't give them any information. I assume that it was a scam.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account XXXX : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within XXXXXXXX XXXX  15-day grace period. Therefore, the account should not have been reported as 30 days late. 
System processing error : I submitted my payment through the XXXX account portal. However, due to a system delay, the payment was not processed until after the due date, even though it was submitted on time. I was not notified of this delay until after the reporting of the late payment. 
Evidence provided : I have attached bank statements and payment confirmation emails showing that the payments were made on time, demonstrating that the late payments were caused by a processing error and not a failure to pay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

Unauthorized Loan Transfer : Nelnet transferred parts of my loans to XXXX XXXX XXXX without my consent or prior notice, resetting my repayment progress and did not keep my current XXXX plan with the transfer. None of my current XXXX plan payments ( nearly XXXX years at {$0.00} due to financial hardship and forberance ) were counted toward forgiveness. 
Nelnet/XXXX  stated there was no way to honor my plan or adjust past and current credit. 
My forgiveness term was switched from XXXX  years to XXXX  years, increasing both my payment amount and loan term. Additionally, I should receive credit toward forgiveness for payments, forbearance, hardship made before XXXX and my currently due to the forberance with Both NelnetXXXX XXXX XXXX XXXX XXXX XXXX ( PSLF ) Issues : I work for a school district, yet my XXXX payments are not counting toward forgiveness. Nelnet claims my employer is ineligible, despite me working for a public school. Payment History Error : Nelnet withdrew a payment of {$260.00} on XX/XX/XXXX, which I could not afford due to my low income. They refused to process my appeal to correct the overcharge. Financial Counseling & Disclosure : Nelnet never informed me of hardship repayment options that could have reduced my debt while I was a student or during financial hardship. Instead, I was repeatedly pushed into deferment or forbearance, which increased my balance and delayed forgiveness.I was never told that certain deferments accrued interest, adding unnecessary costs.Had I received proper guidance, I could have remained on {$0.00} or low-income payments.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX XXXX reported me as being late to Experian on a loan I had taken out in XXXX of XXXX. The report simply stated that I was past due XXXX dollars without giving any other account information. This reporting was erroneous, as I had previously paid the past due amount earlier in the month. The account was paid off on XX/XX/XXXX. I promptly submitted a dispute with Experian in XXXX of XXXX. Within several days the dispute results returned as verified. Between the periods of XXXX XX/XX/XXXX, XXXX continued to report me late to Experian , despite the account being paid off and closed. During this time period, 13 different disputes were made with Experian regarding this issue. In each instance, Experian " verified '' the information without making any necessary adjustments. In one instance, Experian " verified '' the information and sent me the results within 15 minutes. It is unclear how a proper investigation could be conducted in a period of 15 minutes. 
During the period of XXXX XX/XX/XXXX, multiple certified letters were sent to both Experian and XXXX regarding this account. The letters clearly stated that I was disputing the accuracy of this reporting based on the account being paid off, and it being continually reported as late. Each correspondence was received, as I received a return receipt for each letter sent. Additionally, I spoke to several employees at Experian who stated to me they were continuing to receive updates from XXXX that the account was late. Also, XXXX sent me several " escalation '' emails that did not address my issue, but instead, simply stated my requests were denied. After a complaint iwth the CFPB in XXXX of XXXX, Experian updated the account to paid. However, the account is still showing as past due and paid off at the same time, and remains a " derrogatory '' item in Experians reporting system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of XXXXi credit card not mine
Product: Credit reporting or other personal consumer reports

" I am a victim of XXXX XXXX and Identity Theft. Please, block and delete the account within XXXX business days pursuant to FCRA 605B15 U.S.C.
Product: Credit reporting

There are XXXX accounts reporting with dispute comments. I requested that these accounts remove the dispute comments from all XXXX bureaus and I had no issues with XXXX and XXXX but Experian stated that they would have to file a dispute with the companies reporting in order to have the verbiage removed and it could take up to 30 days. Well, it did n't take 30 days but instead the two companies refusing to remove the comments denied my request even though I stated " I no longer dispute the account and I agreed with the way it was reporting '' I also contacted both companies and requested for them to remove the dispute comments themselves and both companies stated they would n't remove the dispute comments " UNLESS THE ACCOUNTS ARE PAID '' To me this is illegal because these companies are holding me hostage and preventing me from being able to purchase a home by reporting innacurate information on my credit file since I have specifically stated I 'm no longer disputing the accounts. It 's my right as a consumer to dispute an account and there are mortgage guidelines in place to decide whether or not I am approved for a mortgage and it should n't be up to anyone deny me this right by reporting inaccurate information in hopes of getting paid. Experian has stated there is nothing they can do unless the creditor reporting the information gives them permission to remove the comment. I had no issues with XXXX or XXXX and if Experian has to put the account in dispute to remove the dispute comment it 's extremely contradictory. I have clarified to both experian and the creditor reporting the information that I no longer dispute the information and I agree with the way the account is reporting and still I ca n't get them to remove the comments from my credit file. This is preventing me from being able to move forward with a mortgage and they are holding me hostage. XXXX XXXX XXXX and XXXX XXXX XXXX are the two accounts.
Product: Money transfer, virtual currency, or money service

at XXXX XXXX  on XX/XX/year> i had XXXX worth of btc that i was gon na send to a personal wallet. When i had sent it my entire transaction was put under review. As time went by i had gotten XXXX  about it so i sent a message asking for a follow up and thats when they told me that a specif team had to look into it and thats when they they couldnt give me information but that theyll email me. As time went bye i emailed them over 20 times in the past XXXX  years only to get the same response. I also have another transaction on XX/XX/year> at XXXX XXXX  for the amount of XXXX. The company is blockchain.com. I have message receipts transaction ids and everything for proof I just want my money
Product: Student loan

IN XX/XX/ I ENTERED INTO A SETTLEMENT WITH NATIONAL ENTERPRISE SYSTEMS AND PAID THE AGREED UPON AGREEMENT IN FULL. ENTERPRISE HAS YET TO REMOVE DEBT FROM MY VREDIT REPORTS. I HAVE E-MAILED THEM ( XXXX XXXX AND XXXX XXXX ) SEVERAL TIMES I ALSO CALLED VARIOUS TIMES @ XXXX, EXT. XXXX AND THEY PROMISED TO HAVE DEBT REMOVED. TILL NO ACTION ON THEIR PART. 


NES Account Number : XXXX EE ATTACHED LETTER.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX Account Name : XXXX, XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX Unauthorized inquiries : XXXX XXXX XX/XX/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: Checking or savings account

Alley Bank has been " investigating " my account for three weeks. They have given me no information about what they are investigating or a time to finish. I have no access to my account or money. I want to close the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank or the credit bureau 's have removed this account from my credit report however when I pulled a new credit report and I noticed that the account re-appears. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the item back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague so they can complete an investigation which may unfortunately lead to an arrest.