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

My accounts with XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  were 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 to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Product: Credit card

From : XXXX XXXX Attn : American Express RE : ADVERSE ACTION DATED XX/XX/2023 Recently, I, XXXX XXXX, was denied an extension of credit by American Express on XX/XX/2023 and XX/XX/2023, I applied for a credit card with American Express. 

As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( c ) you assume civil liability pursuant to 15 U.S. Code 1691e ( a ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the notification was sent to me XX/XX/2023 is both proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered securities fraud since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

Thank you XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Student loan

Nelnet is my student loan servicer. I was part of the XXXX vs. XXXX class action law suit. This case won, I was awarded {$45000.00}. Nelnet has taken this amount and applied it to my student loans. These loans were discharged. My wages were garnished in XXXX and XXXX and I made other payments. I am to receive a full refund for all payments made. Nelenet has deleted all of my payment history, statements ( only 2 statements show XX/XX/XXXX and XX/XX/XXXX ) and loan details. I attended XXXX XXXX XXXX Texas XXXX XX/XX/XXXX to XX/XX/XXXX, the school was fraudulent, hence the discharge. Nelnet won't give me a straight answer on how much my refund amount is? They have deleted federal documents which is against the law. I talked to the federal student aid customer service and was told Nelnet can get into big trouble for deleting federal documents, and they should not be able to delete any information on students accounts. Please help me get my refund and punitive damages. Nelnet is hiding and deleting nformation because they don't want to give students their refunds. I paid thousands and I only received a check in the amount of {$150.00}. I received a letter in the mail from Nelnet with this information. How will I know the real amount I paid since my payment history has been deleted? I have called Nelnet many times and I get a different answer every time. Nelnet can put in false information at this point since they have deleted my payment history and statements. I tried getting payment history through my bank but the bank only has statements available for the past 7 years. Nelnet needs to be investigated and made to pay my refund with punitive damages for their lack of integrity and fraudulent activity.
Product: Credit card or prepaid card

Cashapp routinely allows for charges ( which I previously successfully disputed ) to continue to be processed. The dispute process is lengthy and they have previously dropped the ball with their own timeframes and deadlines. 

Recently, they allowed for a previously cancelled transaction to post leaving me with a negative XXXX dollar balance ( - {$100.00}! I was in need of money at the time and only discover this negative balance after I was sent {$20.00} that I could not access as a result of this overdraft. This left me stranded without money to purchase had an drive home!!!
Product: Credit reporting or other personal consumer reports

The information being reported to The credit bureaus is incorrect and invalid. I am requesting this item to be deleted. It is not valid on my credit report. Numerous incorrect items are being reported on my credit report. I am not liable for this debt, and it is hindering my daily life. 

XXXX XXXX XXXX XXXX I do not recognize how this information is being reported to my credit report. I do not recognize the date the account was opened, the date last reported, the date last active, or the date of the last payment. Everything being reported does not meet the FCRA. This is not in compliance with the 15 USC 1696g Validation of Debt. 
This item being reported to my credit file is incorrect and is hindering me from my daily life. If this were an accurate account it would be reported correctly across all three credit bureaus. Upon this, I am not liable for this debt, and it needs to be removed from my credit file I am not liable for this debt. Please remove.
Product: Credit reporting

Equifax refuses to properly report my student loans with XXXX and Department of Education/XXXX as being paid in full, closed, in good standing, with XXXX. I have provided extensive documentary proof numerous times but Equifax continues to stubbornly refuse to properly report these loans.
Product: Checking or savings account

On XX/XX/XXXX I closed escrow on the sale of a home that I'm the XXXX XXXX for the deceased owner. The closing funds from XXXX XXXX were deposited into the Estate checking account of XX/XX/XXXX. Late in the evening Bank of America notified me via email that they had placed a hold on the funds until XX/XX/XXXX. I went to a local office the next day and requested the hold be lifted. I showed the office Manager documents that clearly showed that these funds were from the sale of a home. On the XXXX I contacted to Bank again and discussed my concerns with their local Zone Manager XXXX XXXX. She got back to me with the Bank 's excuse that they could not lift the hold. Today I contacted the Bank of America Customer Service number and they continued to state that they could not lift the hold. They stated that they were allowed by law to hold my funds for up to 7 days. The check already cleared the XXXX XXXX account of XX/XX/XXXX. 

I requested that my funds, approximately {$220000.00} be made available. Bank of American refused to acknowledge that the funds have already cleared and refused to allow me to pay bills owed to others with these funds.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

Account Name : THE CBE GROUP INC Account Number : na Date of Last Activity : na Type of Account : na Specific Item in Dispute : Account Status Incorrectly, Balance Amount Incorrect, I do not have a signed agreement or payment status with this company Reason for Dispute : No doc or signed agreement with THE CBE GROUP INC, Account number NA Balance Amount : " The balance amount is incorrect.
Product: Credit card or prepaid card

I set up a platinum card and a balance transfer of approximately XXXX. I set up automatic payments through hill pay and my bill was never probably debited from my checking account. I tried calling and gave up after thirty minutes on hold.
Product: Credit card or prepaid card

XXXX a collection agency sent me a collection for Nordstrom credit card for {$10000.00}. The charges were made in 2019. I do not have a Nordstrom card to my knowledge. If there is an account there in my name then it is identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 USC 1681 section 602a States I have rights 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 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Product: Credit reporting or other personal consumer reports

This account has never belonged to me and was opened by identity theft. 
XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/year> Account type Credit card
Product: Student loan

I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 accounts showing up on my credit report that do not belong to me I have been wtriting and calling the bureaus regarding this but nothing is being done I have opened a FTC report regarding Identity theft I need this taken care of asap!!! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

Good morning, I am reaching out to the CFPB due to an issue I am having with Chase Bank. Back on XX/XX/2021 I applied and was approved for a Amazon Prime Rewards Visa Signature Card. Since that time I have used the card as a normally would and made a my first statements payment in a timely manner for more than the minimum amount requested. A day after making my payment I received a letter from Chase Bank stating that they will be closing my account involuntarily due to Reputational Risk to the company. In the letter it does not explain what I have done to have them come to this conclusion nor does it explain what exactly they are referring to when they say Reputational Risk. Ive had other credit cards in the past and have worked with different financial institutions, not once have I ever had issues with them such as this. I reached out to chase requesting an explanation as to how they came to this conclusion and if I could receive a copy of the review they state they conducted on my account. I spoke with their live rep over the phone who informed me that they are unable to provide me information and that I would have to reach out to Chase Bank via the secure messaging center they have built in their client login on their website. Upon doing so, I received a response 24 hours later stating that they can not provide me an answer until 10-14 days from now. That response was sent yesterday and I replied stating, that due to the pending cancellation of the account on XX/XX/2021, I can not afford to delay communications or actions to prevent the account from being closed. I explained the window to prevent cancellation gets smaller every day, they replied back this morning stating they can not provide me further information until 10-14 days from now. As a consumer, Chase Bank appears to be stalling for time and waiting for the account to close without being able to provide an adequate answer. What I fear is that if the account is closed they will tell me there is nothing they can do to reopen it, which is why I want take action now while its still open and there is still time. If this account closes it will affect my credit report showing a closed credit card, and lower my overall available credit across all my accounts. Thank you, I hope to hear back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to login into my equifax account. When u attempt to login I get the error " We are temporarily unable to complete this request. 
Please try again later. '' I have attempted changing my password. I have also called equifax help and was essentially just told to wait 24 to 48 hours and try again. Nothing works and I can no longer access my account.
Product: Credit reporting or other personal consumer reports

RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION OF 'MEETING OF THE MINDS, ' 'FRAUD ON THE CONTRACT, ' AND OR AN 'UNCONSCIONABLE CONTRACT ' AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, Account/Case No. XXXX, AND XXXX This correspondence was sent via U.S.P.S priority mail, and received on XX/XX/XXXX  at XXXX XXXX XXXX XXXX, FL XXXX with provided Phone Number ( XXXX ) XXXX - XXXX XXXX XXXX as the executive director, nor any authorized representative for XXXX XXXX XXXX XXXX XXXX has responded to the claim in the time provided in accordance to law. This has been disputed with all three credit bureaus, XXXX, XXXX, and Equifax to no avail.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I ordered a cell phone in white from XXXX XXXX online for {$980.00} and checked out via Paypal with my XXXX XXXX ending in XXXX. XXXX XXXX delayed the order because the color I requested was not immediately available. On XX/XX/XXXX, I cancelled that order. A refund was successfully processed through Paypal and appeared on my XXXX XXXX ending in XXXX. 

On XX/XX/XXXX, I placed a second order from XXXX XXXX online for the same cell phone, but in black, since that color was available immediately. I again checked out via Paypal with my husband 's XXXX XXXX ending in XXXX. After completing the order, I received an email from XXXX XXXX that there was a problem processing my payment. I cancelled that order and decided to try again. 

That same day, on XX/XX/XXXX, I placed a third order for the cell phone and checked out with Paypal. This order was successful, and my XXXX XXXX ending in XXXX was charged {$980.00}. I was able to pick up the phone later that day, and I traded-in my old cell phone and received a refund of {$590.00} on my XXXX XXXX XXXX XXXX XXXX. 

Even though XXXX XXXX said that the payment for the second order did not go through, and the second order was cancelled, my credit card ending in XXXX connected to Paypal was charged {$980.00}. I contacted XXXX XXXX, who told me that they had never received funds from Paypal for that transaction and therefore could not refund me. I initiated a disput through Paypal. Paypal denied my dispute. 

I am owed {$980.00} from Paypal for an order that XXXX XXXX had cancelled and never received payment for.
Product: Credit reporting or other personal consumer reports

I continue to receive alerts stating that someone used your SSN with a different name or address or dark web activity associated with your identity. I get these messages from three credit report companies. I know I was part of the XXXX Fraud Identity Act.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy being reported on my credit report, The US Bankruptcy Court does not report any information to the credit bureau and is not responsible for verifying or validating information from consumer credit files. I contacted the court and they provided a letter stating they don't do the above listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt before taking Experian to federal court. They did not conduct a proper investigation. Experian is knowingly reporting inaccurate information on my credit report and in violation of the FCRA. I have sent a copy of my inaccurate credit report. I also have a recorded audio call from Experian fraud department, XXXX, stating my credit report is inaccurate and agreeing that FCRA laws are being violated. Please delete these accounts or I will begin the process of getting an attorney. You violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation. 

( Please see attachments )
Product: Bank account or service

NFCU was freezing my account for various pay periods. Which caused me to have some financial hardship and eventually switched banks. The froze my accounts and I did n't have access to any money, because of an account that my ex-husband had.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 violates the Consumer Financial Protection Act. Specifically cash app failed to take timely and effective measures to address and prevent fraud on their platform leaving my account vulnerable and unprotected. Their dispute process was unfair in deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I filed a complaint last week against Ally Financial regarding their collection practice, specifically making numerous calls after being served written notice that I revoked their right to call/text me or others affiliated with me. Ally Financial signed for registered USPS mail on XX/XX/XXXX, indicating they had received the notice of revocation. This morning at XXXX Ally Financial attempted to contact me again via phone calling from phone number XXXX. In the complaint filed last week with CFPB - Ally acknowledged receiving the complaint and were 'working on it '. Apparently they do not care about any complaints and continue to contact me in violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus on XX/XX/XXXX to remove the Accounts and information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please remove the following items off of my Credit File : XXXX XXXX XXXX XXXX : {$440.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  BANK XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX BANK XXXX Balance : {$930.00} XXXX XXXX  BANK XXXX Balance : {$710.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX BANK XXXX XXXX : {$350.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX  ( Original Creditor : CAPITAL XXXX BANK XXXX XXXX XXXX XXXX XXXX- XXXX  Balance : {$780.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXd Reference # : XXXX XXXX XXXX BANK XXXX XX/XX/XXXX AX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me extreme frustration and financial hardship.