23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX, XXXX requesting that a dispute be initiated for a XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is inaccurate and incomplete. The following is a list of incomplete inaccurate information contained in XXXX account XXXX. 
1. Account opened in XXXX/XXXX/XXXX however no payment history from XXXX. 
2. Account sates no last payment. Account states first delinquency in XXXX. However, payment shows payment received in XXXX. No account history from XXXX XXXX current.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion for my XXXXXXXX XXXX account. These late payments do not accurately reflect my payment history. 

Summary of Errors and Discrepancies : Inaccurate Late Payments : All three bureaus report late payments ( 30, 60, and 90 days ), which are incorrect since payments were consistently made on time through autopay. 
Contradictory Account Status : Although the account is marked as " Current '' and " Paid, '' the payment history reflects late payments, which conflicts with its actual status. 
Inconsistent Reporting Dates : Each bureau lists different reporting and activity dates, leading to discrepancies in the record of account status. 
Credit Limit Discrepancy : The reported credit limit is {$0.00} across all bureaus, which may not accurately reflect the original credit line. 
These errors misrepresent the accounts history and potentially violate the Fair Credit Reporting Act ( FCRA ). I request that TransUnion correct these discrepancies to ensure accurate reporting. 

Nature of the Complaint : Inaccurate Reporting : The reported late payments are erroneous. I have consistently made timely payments, as all my accounts, including this one, are enrolled in autopay. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : Reporting of false late payments may also violate the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate credit information reporting. 
Additionally, the FCRA ( 15 U.S. Code 1681i and 1681s-2 ) mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information in consumer files. Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, allowing for damages if agencies fail to comply. 
Requested Resolution : I request that TransUnion conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that all entries reflect my actual payment history of 100 % on-time payments. Please provide written documentation of the corrections within 30 days of this complaint. Failure to resolve this issue XXXX lead to further action to protect my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon analyzing my changes, I discovered that my personal credit file has been given inaccurate information. The Experian Credit Reporting Agency have continued to publish unverified information without giving the legal documentation that is needed under the Fair Credit Reporting Act, 15 USC Section 1681i. The 3 Credit Bureaus have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following questions to be stopped : XXXX XXXX XXXX  XXXX/XXXX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2022
Product: Credit reporting

The California XXXX XXXX XXXX XXXX requested a copy of my credit report. I was notified through XXXX, and when I reviewed the alert, it shows it was a phone inquiry. The board did not have my permission to run my credit, and I would like to know why they did. I am curious if a state government agency is above the law and is allowed to run peoples credit without consent?
Product: Mortgage

Bank of America still has not answered my question with their correspondence pertaining to my HELOC. I have attempted over six times to make contact with their regulatory body XXXX XXXX however, each time got her voicemail. I have left several messages on her voicemail, and yet have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX, Account # XXXX, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 listed late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. 

XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Product: Debt collection

Daily calls four times a day. I spoke to PENNCREDITCORP at XXXX to stop calling me. They started calling more. 
I got calls yesterday at XXXX, XXXX and XXXX. It rings and then stops right away. It shows up on my phone whos calling but if I look up recent calls it doesnt show up. This is very annoying and has been going on too long. If this isnt resolved I will contact the police and report them. 

I dont have a debt with this company or any other company.
Product: Student loan

Nelnet will not process my SAVE application. I initially applied through the servicer on XX/XX/XXXX. I believe I gave permission for them to pull my XXXX from the IRS, but I'm not sure. However, it took my application and gave no indication it needed anything else from me, in fact I received several hang tight emails with the subject " no action needed while we process your app. '' Well eventually I get suspicious, do some reddit research and it turns out that a common issue reported is the servicer claims its complete but you actually need to upload a copy of your 1040! I do that and I also apply through studentaid.gov. Then my account starts says " we received your application on XX/XX/28. '' So, the weeks I waited and accumulated interest was for literally nothing despite them telling me I was go to go. Yesterday, XX/XX/XXXX, I log on and it no longer mentions my application????? I don't even know what happening with my application now???? Is it in limbo??? Is it gone?? It's been MONTHS. I have accumulated {$2500.00} of INTEREST in that time. This problem costs me {$40.00} A DAY. And because they applied an administrative forbearance on my account, they removed the .25 % discount!! That only adds {$40.00} to my balance every month!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2023 a letter was sent to the 3 different credit bureaus.

ACCOUNT ( S ) OPENED BY IDENTITY THEFT : XXXX + XXXX XXXX XXXX + XXXX XXXX  XXXX XXXX + XXXX XXXX + XXXX XXXX+ XXXX XXXX XXXX  XXXX + XXXX XXXX XXXX XXXX XXXX XXXX WRONG ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a formal complaint regarding the violation of my rights and the Fair Credit Reporting Act by the consumer reporting agencies. As a natural person, I have federally protected consumer rights to privacy and confidentiality under 15 USC 1681. However, the following accounts were furnished to the agencies without my written instructions, and I demand their immediate deletion : XXXX XXXXXXXX XXXX The consumer reporting agencies are governed by 15 USC 1681, and their violation of my rights several times is unacceptable. As per 15 U.S.C 1681 section 602 A., I have the right to privacy, and Section 604 A Section 2 states that consumer reporting agencies can not furnish an account without written instructions.

Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing adverse information other than records of convictions of crimes that antedate the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any inaccurate information relating to a consumer to any consumer reporting agency. 

I demand that these accounts be removed immediately, as the consumer reporting agencies have violated my rights.
Product: Checking or savings account

On XX/XX/2024, Citi closed a checking and savings account that I recently opened. They closed the account after I transferred funds ( {$5000.00} ) into the account. On XX/XX/2024, I was first told the money was sent back to the originating institution. I called the other bank and that was determined to be incorrect. I called back and was told they would mail me a check within XXXX days. I have not received a check yet and my account has been closed for over XXXX days. Today, I called, and I was told I had to go to a bank branch to receive my money.
Product: Mortgage

My issue started in XXXX when I got a loan modification from XXXX. Went through the trial period and got a regular schedule payment one year later. XXXX XXXX  took over and they took me back to XXXX stating that they dont see a modification from then I have change services 3 times and no one can basically tell me how they going to resolve the isssue. Im just told to continue paying they will resolve it. Im now 5 years later with no resolution. It affecting my credit and my interest I have left to pay
Product: Credit card or prepaid card

This company is making phishing and fraud attempts. I received an email today asking for a XXXX XXXXXXXX  review. It was a dead link. The company shows user as logged in even tho I have never even been to their site. It leads to a form requesting social security number, dob and other personal information. I did not fall for this. I believe they are attempting to steal identities as they request all the personal information required to open accounts.
Product: Credit card

Please see the attached documents. I urge the bureau to begin an investigation into these accounts, as I am consistently on time, yet they are incorrectly reported as late.
Product: Debt collection

On XXXX XXXX XXXX XXXX  I took out a Medical Residency Relocation loan from Sallie Mae for the amount of {$20000.00}. These funds were used solely for costs associated with relocation and were not intended for or used for cost of attendance of my medical program. Repayment on the loan was defered until 1 year after my completion of residency, and I entered repayment on XX/XX/XXXX. On XX/XX/XXXX, I filed and was granted discharge in XXXX XXXX bankruptcy. During the summer of XXXX, I was contacted by Sallie Mae and told that my relocation loan was a " Student Loan '' and exempt from discharge in bankruptcy. I did not agree with the statement made by Sallie Mae at the time, and disputed the validity of the debt with their organization, however my dispute gained no traction and a delinquency on the debt placed on my consumer credit report. I was forced to inappropriately pay on the debt to avoid further damage to my consumer credit. In XXXX of XXXX, Sallie Mae reported the loan as discharged in bankruptcy to XXXX. Following this report, Sallie Mae, then began collection attempts for an overdue balance. This spurred me to again examine the validity of the debt. After reading statements on the CFPB website specifically stating that residency relocation loans are not qualified student loans and are not protected from discharge in bankruptcy, I again contacted Sallie Mae regarding the validity of the debt, which appears to have been dismissed/ignored. Sallie Mae has continued collection attempts on the loan and has reported a delinquency to the consumer credit reporting agencies, damaging my personal credit.
Product: Credit card or prepaid card

On XXXX XXXXXXXX  the credit card company Genesis FS Card Services Inc charged my bank card {$690.00}, that charge was reversed by the bank. The company attempted to charge the same amount again on XX/XX/, that charge was not reversed. When contacted, they stated that I attempted to pay my bill in full. I informed them that I have not had access to my account for weeks, so I couldn't have made that payment. They stated that I can only regain access to my account when they receive a faxed copy of my state ID for account verification. I submitted a copy of my faxed ID on XX/XX/2023, gave then 5-7 business days to receive it and restore the access to my account. On XX/XX/XXXX they were contacted again because I still did not have access to my account. They stated that the ID was received, but I needed to send another copy because they one they received was too dark. I asked if I could email a copy because the process is taking too long, and I was informed that fax is the only way. I was also informed that even though I am locked out of my account, I could pay them over the phone for the full balance and all the late fees if I wanted to close the account. It is Currently XXXX XXXX XXXX, and I still do not have access to my account even though my ID has been faxed more than once.
Product: Checking or savings account

There were XXXX fraudulent transactions, where someone got a hold of my charity 's routing and account number, and stole {$68000.00} through ACH debits to the checking account. They apparently were routed to XXXX XXXX, but nobody seems to be able to track down where the funds are, and I'm still waiting to be refunded for all of these fraud charges.
Product: Credit card or prepaid card

Capital One Bank is reporting a credit card on my credit reports with a past due amount of {$1800.00}. This account is not my account. I was also told that this account has a social security number that does not match my last four digits of my social security number. Capital One and the credit bureau need to verify this information. I am also attaching an ID theft Report. I was also a victim of the XXXX  breach.
Product: Debt collection

Over a year ago XXXX and XXXX sent a letter alleging a debt to XXXX XXXX XXXX. I disputed the debt within 30 days and eventually received a letter stating they had sent it back to the original creditor. All medical debts with XXXX XXXX has been resolved. There is no debt to collect. Despite this I received a voicemail yesterday from this company. A man named " XXXX XXXX " left a message to call him back. He did not identify who he was working for or why he was calling. Apparently XXXX and XXXX thinks people are too stupid to see the caller ID and look the name up. XXXX and XXXX is a debt collector with a history of deceptive and abusive practices. Their intention is to create the appearance of a legal threat. This is a clear continuation of their deceptive strategy. They are to stop all communication with me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 5 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries from companies I did not authorize. I went to one location ( XXXX XXXX ) and the business decided to run my credit multiple times on XXXX XXXX, 2017. I had a horrible experience to begin with that they have not rectified either. The main purpose of this is that they had put numerous inquiries on my report that were not authorized. I did not authorize them to shop multiple companies, only XXXX XXXX for financing. They have hurt my credit score and have no remorse for what they have done. I have spoken to their executive assistant, XXXX XXXX. On social media and XXXX reviews, they portray a concerned business wanting to make everything right by the customer, but when it came time to XXXX did not do anything. She has not called me back since my 2nd-3rd call. Until this day I have no received a phone call back from XXXX with an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent to dispute letters to remove old address. The first letter was by fax on  XXXX   XXXX ,   XXXX   where they deleted some but not all of my old address. I sent a second letter on  XXXX   XXXX ,   XXXX   that was certified with electronic receipt, the letter was received on  XXXX   XXXX ,   XXXX   and was resolved my  XXXX   XXXX ,   XXXX  . The address were not removed.
Product: Credit card or prepaid card

I have an XXXX XXXX and I can not make payments or log in. Nor can anyone else. They do not answer customer service there's just a message saying they are updating their system. Since XX/XX/22 I am unable to pay or see my balance. This is a widespread issue happening for all customers. I have excellent payment and credit history and I dont want my score affected. I have never missed one single payment. They won't answer and some people on XXXX are saying they were hacked. I am worried about my information and my credit and I dont trust this company Comenity XXXX 

Please help.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Block , inc ) due to the inadequate customer services and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving account vulnerable and unprotected. Furthermore their dispute resolution 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: Debt collection

I filed my income taxes for the year XXXX  and never received it. Upon communication with IRS, I was notified it had been garnished for a debt to a company names XXXX. I contacted said company and ascertained they were a collection agency used to collect a debt from a military card. I attempted several times to obtain payment history and contract information to validate the date and met with negative results. I sent certified return receipt for this information to have the debt validated, and I have yet to receive a response either by email or us mail. I have been trying to rectify this issue since 2016 and have been met with resistance. After conducting some research, it appears this company has conducted these same fraudulent practices in the past according to Briggs vs United States This company has continued to take my tax return each year without any verification.
Product: Credit card

My credit card was moved from XXXX XXXX to Barclays without my consent or authorization. I never received information of my credit card being sold or transferred from XXXX XXXX or Barclays. I was never made aware of the fact that I have or had the option to opt out. I never received any package from XXXX XXXX or Barclays for opt out option. They violated my right and took advantage of me. Barclays and XXXX XXXX both should be held accountable for these actions. If I had known that XXXX XXXX was selling their credit card business to Barclays, I would have opted out given that all the negative and bad reputation they have surrounding their customer service, hostile treatment and entrapment tactics behavior they use against consumers. They do not communicate nor properly informs consumers and uses shady business practices to destroy consumer credit card scores and history. This is their soley business practice based on all the comments on XXXX and all over the internet that I have come to learn.
Product: Checking or savings account

Bank froze my account with no warning, no explanation and constantly hanging up the phone on me.
Product: Debt collection

I contacted XXXX XXXX and Resurgence today XXXX around noon with an attempt to understand why I received a court summons to go to court on XXXX. I should not be going to court over a fraud account. I sent documents requested by the Fraud Department with XXXX XXXX on XXXX via email to Resurgence certified mail on XXXX. I have been awaiting a response from XXXX. Today after talking to XXXX at XXXX, I realized that there is another email that I could follow up with XXXX on. I forwarded documents to that email. Resurgence told me that CACH LLC recalled the debt allegedly owed by me. Instead of correspondence from Resurgence and/or XXXX XXXX, I received a court summons letter from CACH LLC filed on XXXX at XXXX XXXX at the XXXX XXXX with no court date or time. There was a request for a substitute appearance. This is not my debt or responsibility to be sent to court. I also do not have a good number on CACH LLC ; Resurgence would not give me the number to CACH. I have not heard of or even heard from CACH LLC. I sent all documents and CACH LLC recalled the debt for a reason I do not understand. This is not my debt. Thank you.