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

I am writing to express my serious concern about the disputed accounts on my credit report. I have repeatedly highlighted the inaccuracies in these accounts and requested a thorough investigation, but despite my efforts, the issue remains unresolved. These incorrect entries are significantly damaging my credit file and severely affecting my ability to maintain a normal life. The hardships caused by these errors are immense, and I am left with no option but to seek your urgent help in resolving this matter. 

I kindly ask that you conduct a comprehensive investigation into each of these disputed accounts and take the necessary steps to update and correct my credit report without further delay. Restoring the accuracy and integrity of my credit file is crucial for me to regain control over my financial well-being. I sincerely urge you to treat this matter with the utmost importance and take swift action. 

Your prompt attention and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Checking or savings account

{$2900.00} check to XXXX and XXXX XXXX was deposited via ATM at Bank of America on XX/XX/XXXX to business account of XXXX XXXX dba XXXX XXXX and put on hold for ten days. No previous insufficient funds or account problems. The payer was XXXX XXXX who verified that this check cleared on XX/XX/XXXX, subsequently Bank of America held funds that had already cleared for 10 days for no reason, aka outright theft, before funds were finally available on XX/XX/XXXX. Calls to BOA to resolve the hold were of no help. BOA claims that they hold all checks before funds are available, but it is unknown if this is true. I would avoid opening an account with them at all costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got off the phone with XXXX, and they repeatedly assured me that I brought my payments current with them back at the end of XXXX! However the credit bureaus have continued to show me as late since then! I now have 2 accounts that are showing a payment status of late more than 120 days! This can not be! I just consolidated these loans!
Product: Bank account or service

I am soliciting your help in reversing an illegal fee charged to my account with Bank of America on XXXX XXXX, 2015. My account had a balance of {$220.00} on XXXX XXXX, 2015 when a check written for {$200.00} was posted to my account. I spoke to a representative who advised me that there were insufficient funds to cover this check. This is very misleading because my account showed a positive balance of {$26.00} after this check was posted on XXXX XXXX, 2015. My account only went into the negative after the overdraft fee of {$35.00} posted to the account XXXX XXXX, 2015 creating a negative balance of ( {$8.00} ). This fee created negative balances for all purchases posted on XXXX XXXX, 2015. Please see evidence of transaction activities attached.
Product: Credit reporting or other personal consumer reports

Pursuant to 12 CFR 1016.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure. 
Ive never received an opt out notice from you. Due to this error on your behalf, I am now exercising my right to opt out from all reporting of my information to non-affiliated third parties including but not limited to XXXX, XXXX, XXXX, XXXX as well as any other agencies of the like. 
Pursuant to 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 
( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 

Pursuant to 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection,
Product: Mortgage

Back in 2015 ( XXXX XXXX ) we had contacted XXXX and citimortage to tell them we needed to do a loan modification. We were denied twice. We tried our best to make payments the best we could. After that we had put the condo on the market to try and sell it. We received a offer for a short sale one back declined or one accepted. We then got a second offer and it was still declined. We filed for a deed in lieu and of course that 's was denied. We have tried to be honest good people and ca n't seem to get rid of this property we can not afford. More fees are being adddd on to thibgs this issue has been dragging on for awhile. We need help these lenders are not willing to work with us. I have had sch appointments with my account manager at XXXX and then after taking the time to behome for them the account manager is to busy. The citi mortgage account manager she never replies to my emails. What are we to do?
Product: Debt collection

NAVY FCU DATE OF LAST ACTIVITY XX/XX/XXXX TODAYS DATE XX/XX/XXXX I DISUPUTED THIS ALLEDGED DEBT ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX NOTHING WAS SENT TO ME LEGALLY TO VERIFY THIS SO CALLED DEBT. 

THE AMOUNT IS {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After corresponding with Transunion credit bureau on numerous occasions, in regards to them providing me with any validating documents to support the validity of the XXXX XXXX account that the company is reporting on my credit report, to date I have not received any validating documents. 
I thus have made repeated requests to Transunion to remove the XXXX XXXX account from my credit report. 
To date, Transunion continues reporting the collection account on my credit report in violation of The Fair Credit Reporting Act regulations.
Product: Debt collection

Asset care appears on my credit but I have never been notified by mail or by phone that I owed any amount of money. I would like the report in writing and when and where they obtained this debt and what the process was since it states it was XXXX of this year that it was opened and I have no knowledge of this. I have never heard of this company nor have I ever heard from them. How can they report to the credit bureaus if I was never notified of the debt? I would like this flag on all three of the credit reporting agencies removed.
Product: Vehicle loan or lease

THIS 1803 CAPITAL LLC AND XXXX XXXX  IN CONCERT AND SYSTEMATICALLY HAVE COMMITTED EVERAL FRAUDS. I WAS GIVEN FALSE AND DECEPTIVE INFORMATION AS FOLLOWED : 1. I WAS ILLEGALLY OVER CHARGE BASE ON LOUISIANA LAW FOR THE YEAR OF VEHICLE AND THE AMOUNT FINANCE IN CONJUCTION WITH THE INTEREST I BELIEVE 22 % IS THE HIGHEST BUT THE CHARGED ME 24 %. WHICH MAKES THE CONTRACT VOID. 2. THEY FORCE ME TO MAKE A XXXX DOWNPAYMENT BECAUSE THEY STATED " MY CREDIT WAS NOT STRONG ENOUGH ''. WHICH IS ILLEGAL BECAUSE 15 USC 1605a STATES THAT A FINANCE CHARGE IS THE SUM OF ALL CHARGES. I WANT MY MONEY BACK FOR THE DOWNPAYMENT. NOR DID THEY GIVE ME EQUITY IN MY CONSUMER CREDIT. XXXX. I WAS NOT GIVEN A PROPER TRUTH IN LENDING STATEMENT NOR WAS I TOLD THAT I HAVE 3 DAYS TO RESCIND THE CONTRACT. THE PROCESS WAS NOT TRANSPARENT UNDER 15 USC 1602 ( i ) THIS IS A CONSUMER CREDIT TRANSACTION NOT A LOAN.
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 XXXXXXXX XXXX XXXXXXXX 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 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: Bank account or service

The XXXX XXXX union cancelled my automatic bill pay when funds was available, they did n't notify me and I could n't get to my funds and late payment was reported and the late fees was charged to which I had to pay to protect my credit, the credit union is during nothing to correct the issue other than emailing every day and not the affected company 's XXXX fit the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}
Product: Vehicle loan or lease

I purchased a vehicle in XX/XX/2022 and my existing vehicle loan was to be paid off by the dealer during the trade off. The loan was not paid off until XX/XX/2022 which resulting in late payments on my credit report. The loan is now paid off however it still shows that I made 5 late payments.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. 
XXXX XXXX XXXX via Experian was disputed for ownership and was not properly investigated by Experian, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance {$640.00} XXXX  XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX  Balance {$640.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate costumer service and unfair practices which violates the CONSUMER Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB REPORT XXXX Why did the CFPB closed my complaint? Why is the CFPB continuing to allow Equifax to get away with 'INVESTIGATING '' their wrong doings? This is the 5th investigation with Equifax and they keep " updating '' the matter. EQUIFAX is reporting INACCURATE and INCOMPLETE information on my credit report which has caused me to lose my JOB. 

It is the LAW this company must report accurate and complete information at all times and I don't think the CFPB is doing anything to enforce. 

These accounts listed from CFPB REPORT XXXX that you the CFPB closed, are ignoring the fact EQUIFAX can not prove to me why they have a right to report INACCURATE and INCOMPLETE information from these companies below. IT DOES NOT TAKE 5 MONTHS to investigate NO ACCOUNT NUMBERS. This is an EQUIFAX issue not an issue from these banks. You are NOT reporting an account number for me to even investigate. 

XXXX  XXXX XXXX ( credit card account ) XXXX XXXX XXXX XXXX ( credit card account ) XXXX XXXX XXXX XXXX ( credit card account )
Product: Credit reporting or other personal consumer reports

I was XXXX from XX/XX/XXXX to XXXX XXXX XXXX XXXX when I came home to get my finances and my belongings from people that had it I found out through investigation and trying to get down to the bottom of the problem that they used my time card and account and stole my money out of my account and just continuously use my account to pay their bills and do whatever they wanted to move money I have proof and documentation that I was in XXXX from those dates yet they keep denying my claims
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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
Product: Prepaid card

I received multiple AMEX gift cards from my family member. I can't use these cards anywhere. 
These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX XXXX  - no one will take these cards. 
I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). 
They can not transfer my balances for my XXXX unusable virtual cards to a physical card. They can not offer me a refund. 
They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 
This system seems designed to XXXX  a XXXX XXXX from American consumers. They hold our XXXX  XXXX  XXXX and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me 120 days on the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX ( pages 4 - 8 on the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on accounts with a {$0.00} balance and {$0.00} past due.
Product: Credit reporting or other personal consumer reports

Disputed against Experian about an account on my credit report that is a default judgement that shouldn't be reporting. The account is XXXXXXXX XXXX XXXX  with a default judgement of {$8100.00}. Experian did not properly investigate and made no changes to the credit reporting. Default judgements are no longer to report to credit report. Experian needs to delete the account.
Product: Bank account or service

I wrote a check in the amount of XXXX, check number XXXX, on XXXX from my Capitalone 360 checking account. A deposit made on the same day in the amount of XXXX should have covered this check. However, the account was charged a finance charge on XXXX, after I wrote check and deposited it to my XXXX account. The finance charge appeared today, XXXX, in the amount of XXXX. Prior to this, a funds transfer in the amount of XXXX posted on or around XXXX, bringing account to a XXXX balance. The account was overdrawn for quite sometime and there was an overdraft line of credit in the amount of XXXX, it appears the line is now down to XXXX, according to reps spoken with today. Please note, I did not receive any notice overdraft line was closed and or brought to XXXX. The only notice I received advised me the account could not be used until its brought to a positive balance, it is currently XXXX positive. I need overdraft line reinstated and check paid with no overdraft fee to resolve this
Product: Student loan

My loans were put in forbearance status 3X by Fed Loan Servicing while they processed paperwork. I was called by Fed Loan Servicing staff and was told that if I made the 3 payments they would be counted towards the 120 needed for Public Service Loan Forgiveness. A recent tally letter was sent and it doesnt look as if these 3 payments were counted ... so where was the money applied? if they arent going to count them then I would like the money back. 

Also, I consolidated all my student loans on the same day into Subsidized and Unsubsidized loan packages. I have been making payments on them at the same time, but one shows as having 110 qualifying payments and one show as having 109. Both should have 110.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I hope this message finds you well. I am writing to express my deep concern regarding a significant discrepancy in the reporting of my tradeline with your organization. My credit report currently reflects a balance of {$0.00}, which is not accurate as my understanding and records indicate there should be a tradeline amount of {$30000.00}. 

This discrepancy is causing a considerable impact on my credit profile, and I am seeking your immediate assistance in rectifying this issue. I understand the importance of accurate credit reporting and its impact on my financial standing. Therefore, I kindly request that you promptly investigate this matter and update the reported tradeline amount to reflect the correct balance of {$30000.00}. 

I have attached supporting documentation, including statements and transaction records, to substantiate the accurate balance. I believe this evidence will aid in expediting the resolution process. 

I appreciate your attention to this matter and expect a prompt and thorough investigation into the reporting error. Please inform me of the steps being taken to rectify the situation and provide a timeline for the correction to be reflected on my credit report. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX are reporting a debt on my credit file I do not owe. Not only do I not owe this debt, they are double reporting on my credit file! This is in clear violation of the FCRA ACT LAW and needs to be removed off my credit file.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and fraud. There is an account on my credit report that does not belong to me. I have submitted a fraud report to the credit bureaus ( XXXX, XXXX, and TransUnion ) and disputed this account multiple times, providing all the necessary documentation, including proof of identity theft. Despite my efforts, the credit bureaus have refused to remove the fraudulent account. It is still being reported on my credit report, showing an outstanding balance that I am not responsible for. This error is negatively affecting my credit score and causing me significant distress. I am requesting the CFPB 's assistance to ensure that the credit bureaus conduct a thorough investigation, remove the fraudulent account, and correct my credit report. I have attached copies of all my correspondence with the credit bureaus, as well as my fraud report, to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, As 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.