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

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I lost my car due to an car accident. The insurance company ( XXXX XXXX ) paid most of the total loss on the car with a balance of around {$1700.00} left which was subsequently paid by a refund for the extra car insurance provided by the car dealer which left a balance of {$290.00} in XXXX of XXXX. Capital one auto finance claimed they made an attempt to reach me by mail with a letter describing the leftover balance and urging me to contact them which was never received by me. In XX/XX/XXXX the {$290.00} amount was charged-off in the closed account for non-payment causing my credit score to drop more then 100 points. I have never made a late payment, missed a payment nor did I receive any communication or correspondence by mail, email or phone from capital one auto financing stating there was a remaining balance. They also have an app from which I made all my payments which was disabled by capital one auto financing following the accident and further impeded me from knowing what was going on with the remainder of my loan. They stated that they had no responsibility to contact me after they had received payment from the car insurance and when asked for a customer complaint division they stated they don't have one. After speaking with a representative at capital one auto financing I found out that there was supposed to be a survey correspondence following every call made to capital one following a customer service call and I have never received one. They have proven that they are unwilling to take responsibility for there actions by not sending me a survey throughout the life of the loan and continue to report an incorrect charge-off on all of the credit bureaus ( XXXX, XXXX and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Hard Inquiries are not mine, or were they authorized by me. They were done fraudulently by someone else, they are also not attached to any open accounts of mine and I would like them to be removed according to the fair credit act. 
XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired XXXX XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Late Payment Entry To Whom It May Concern, I am writing to formally dispute an inaccurate late payment entry reported on my credit file. My personal details are as follows : Name : XXXX XXXX Social Security Number : XXXX Date of Birth XXXX Address : XXXX XXXX XXXX The entry I am disputing is associated with [ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ] reported as late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This information is erroneous and violates my rights under the Fair Credit Reporting Act ( 15 USC 1666b ), which protects consumers from inaccurate reporting.

I have thoroughly reviewed my records and can confirm that the payment in question was made on time. I demand a prompt investigation into this matter, as I am entitled to accurate reporting under federal law. It is unacceptable that such misinformation could adversely affect my creditworthiness.

I expect your investigation to be completed within the next 4 business days. Failure to address this dispute promptly will leave me no choice but to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Please find attached copies of relevant documentation supporting my claim. I expect a written confirmation of your findings and a complete update of my credit report upon resolution of this matter. 
Thank you for your immediate attention to this serious issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint regarding my PayPal account, which was permanently limited without any clear explanation. I am an XXXX XXXX who receives payments through PayPal for reviewing products. My account has been limited, and I have been unable to access {$100.00} in funds. 

In XXXX, I called PayPal requesting a review of my account limitation but did not receive any follow-up or resolution. I called again in XXXX, and I was informed that my request for review had been denied. PayPal stated that my funds would be held for 180 days, but I still have no understanding of why my account was limited or what specific violation, if any, occurred.

I have followed all of PayPals terms of service, and I believe this limitation is unjust. The lack of communication and transparency from PayPal regarding my accounts status has caused significant hardship. I am unable to access my funds, which is impacting my ability to continue my work.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPILCATE!!!! THIS IS RECENT UPDATING DAMAGE AND FRAUD BEING ADDED BY : XXXX and XXXX XXXX : XXXX CONTINUES TO REPOST INCORRECT FRAUDULENT INQUIRES AND INFORMATION EVEN FRAUDULENT ADDRESSES THAT ARE NOT MINES AFTER SENDING IN IDENTITY THEFT REPORT AND POLICE REPORT : FCRA 605B AND STILL GET ENABLEMENT OF IDENTITY THEFT AND DAMAGING MY CHARACTER AND DEFAMATION.

I WISH/SEEK remedy for damages and VIOLATIONS MAKING IT IMPOSSIBLE FOR MY CREDIBILITY AND LIVELIHOOD. 
THESE ACCOUNTS ALONG WITH OTHERS ARE BEING REPORTED BY XXXX AND VIOLATING ALL MY RIGHTS : ACCOUNT NAME : XXXX XXXXXXXX XXXX ALONG WITH ALL FRAUDULENT ON ALL REPORTING AGENCIES HARD INQUIRES XXXX 6 HARD INQUIRES ALL FRAUDELENT EQUIFAX HAS A FRAUDULENT ACCOUNT AS WELL.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contain any of the following items of information Any other adverse item of information, othan records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( XXXX ) XXXX 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. 
In Accordance with the Fair Credit Report Act, XXXX XXXX  # XXXX Has Violated My Rights. 15 U.S.C 1681 Section 602A. States I have the rights to privacy. 15 U.S.C 1681 Section 6 04A Section 2 also states a Consumer Reporting Agency CAN NOT FUNISH a account WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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. I am a victim of identity theft!! XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, XXXX XXXX XXXX XXXX - 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 WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
Due to XXXX data breach my information was sold, bought and traded illegal, you guys need to be compliance, in my knowledge CRFA state that accounts and collections must be complete verifiable accurate it can not came off of one credit reporting agency and stay in others.
Product: Bank account or service

I have been with Navy Federal credit union for five years and paying my bills through bill pay and now they are taking a {$1.00} without even letting me no they where charging a fee
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted an application for a rental property with XXXX XXXX on XX/XX/2023 and I got a denial notice back. They use SafeRent Solutions LLC and it stated that they received the report and made the decision based off of my credit XXXX score. They stated that they obtained my score from XXXX and the score that showed back to them was a XXXX XXXX score. I checked my XXXX account and my XXXX credit score shows on XX/XX/2023 a score of XXXX. I need to file a complaint and dispute of inaccurate reporting.
Product: Credit reporting or other personal consumer reports

Good evening, I'm writing to you because Experian is breaking the FCRA laws. 
I was a victim of Identity Theft and I have shown them an overwhelming amount of evidence to prove that these accounts were not opened by me. 
They always say something different or give me the run around. 
They deny my block of Reporting Identity Theft accounts because they claim to have verified the information with the furnisher but haven't sent me a detailed description of their procedures which breaks FCRA 611 - 15 U.S.C. 1681i. 
These accounts were the only thing holding me back from obtaining a loan to save myself eviction. 
There are so many violations and it just isn't fair! 
I should get some type of compensation for this because Experian clearly is just getting away with too much. 
Please make sure you deal with them promplty. I have attached my recent letter to Experian asking for proof and even discrediting their investigation and still they deny it. 
Please help me. Thank you.
Product: Mortgage

I truly feel that Citibank is involved in redlining. From the time I began the mortgage process in XXXX, XXXX  there was a never ending change in requirements, documentation needed, duplicate requests for information, and inconsistency. Although I closed on the mortgage on XX/XX/XXXX, approximately half hour prior to closing I was informed that the underwriter miscalculated closing costs and I would need to bring an additional {$1900.00} to the closing. Citibank did not timely wire the funds to the title company on the day of closing, so while I closed on the XXXX, I was not able to pickup my keys until the XXXX. I therefore paid additional HOA fees for the time without access to my condo. I was initially set to close on XX/XX/2024. 

I have several email chains requesting updates and full clarification on what type of documents were needed. Underwriters changed, processors never communicated verbally to provide context for the information sought. It was a horrible experience. I would encourage the CFPB to investigate Citibank mortgage lending processes in historically underrepresented communities. My conversations with other suggests that unfortunately my experience was not unique and that Citi engages in discriminatory redlining practices
Product: Credit card

XXXX offers XXXX  % interest for XXXX  months on purchases over {$50.00} however they do not use the payment to the card on the first bought items. The payment is spread out between all items purchased that are purchased with the XXXX month XXXX  % interest. 

For example if I bought some products with XXXX  % interest in XXXX, 0 % in XXXX, XXXX  % in XXXX and XXXX  % in XXXX, the products bought in XXXX are not credited with payment first. XXXX splits the payment for all products so that XXXX, XXXX, XXXX and XXXX are all getting some payment. If I have a larger purchase in XXXX of {$1000.00} and a smaller purchase in XXXX of {$200.00} it is possible the large XXXX purchase may not be paid off before the XXXX  % interest expires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX Inquiry : XX/XX/2021 ; XXXX Inquiry : XX/XX/2021 ; XXXX XXXX XXXX Inquiry : XX/XX/2021 ; XXXX XXXX XXXX Inquiry : XX/XX/2021 XXXX XXXX XXXX XXXXInquiry : XX/XX/2021; XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX Balance {$950.00} XXXX XXXX XXXX Balance {$2200.00} XXXX XXXXXXXX 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 Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX has repeatedly XXXX to reposes my vehicle and also, they have XXXX to turn it off remotely. This company still continues to make XXXX phone calls and send XXXX  emails. The changed my due date and violated the purchase contract. 

I was also just hung up on when asked what days I get paid and I told them that's none of their business.
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. 

XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 : states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency CAN NOT furnish an 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 and for purpose.

To whom and all this may concern :
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, Leaving my 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I notice an account on my credit report that I didn't authorize from XXXX XXXX last reported XXXX XXXX. Reported balance {$16000.00}. I tried to dispute it through transunion I never got a response.
Product: Debt collection

NCB management has damage my credit report after I sent a written notice pursing to 15 Usc1692c ( C ) and they failed to cease collection.

Attached is my certified receipt showing that their company representative signed off on it. 

Attached is also my second notice per 15usc1692c ( C ) I REFUSE TO PAY
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EQUIFAX 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!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$710.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX and Experian on XX/XX/XXXX, to show that XXXX has deleted certain accounts, I also provided the letter to prove that those items was deleted off my report. I have not heard anything from Experian at all and I have disputed more items beginning in XXXX  of this year. XXXX have n't responded either. the items are still reporting on my report. i have asked both agencies to give me there burden of proof of the info and people who verified the account. neither has giving me that info. all of my accounts are frozen until this matter is resolved. please delete the items off my acct XXXX has already done so. if they could n't verify, neither can you.
Product: Credit card or prepaid card

Barclay Bank Delaware sent me a billing statement dated XX/XX/XXXX for my UBER VISA SIGNATURE credit card. This billing statement included an invalid transaction dated XX/XX/XXXX posted XX/XX/XXXX from " XXXX XXXX XXXX XXXX  '' in the amount of XXXX AUD which was converted to US {$95.00}. 

On XX/XX/XXXX I wrote to Barclay Card Services at the address indicated on their billing statement for where to write when " You Find A Mistake On Your Statement '' and advised them that I did not have any recollection of this charge and requested a credit in the amount of US {$95.00} In the same letter I disputed a second charge dated XX/XX/XXXX from " XXXX XXXX '' in the amount of {$85.00} On XX/XX/XXXX Barclay Bank Delaware sent me a letter acknowledging the disputed charge of {$85.00} from " XXXX '' and indicated they would investigate the issue. They did NOT acknowledge the first disputed item of {$95.00} from " XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX Barclay Bank Delaware sent me a letter acknowledging the disputed charge of {$85.00} and indicated they would issue a provisional credit while they investigated the issue. They did NOT acknowledge the first disputed item of {$95.00} from " XXXX XXXX XXXX XXXX ''. 

On XX/XX/XXXX I wrote to Barclay Card Services at the address indicated on their billing statement for where to write when " You Find A Mistake On Your Statement ''. In this letter I thanked them for acknowledging the second disputed amount of {$85.00}. In this letter I reminded them of the first disputed amount of {$95.00} from " XXXX XXXX XXXX '' and notified them that had not yet acknowledged this billing dispute. In this letter I also requested credit for {$1.00} for the Finance Charge applied to my account on the XX/XX/XXXX statement for not paying the disputed amount of {$95.00} I reiterated that " I have no knowledge of this transaction and have not received services nor merchandise from this merchant ''. 

On XX/XX/XXXX Barclay Bank Delaware sent me a letter acknowledging the disputed charge of {$95.00} from " XXXX XXXX XXXX  '' that was billed to my account on XX/XX/XXXX and that they were referring the transaction to a dispute specialist who would investigate further. 

On XX/XX/XXXX Barclay Bank Delaware sent me a letter saying that they " are unable to take further action on this disputed charge '' " due to the length of time that has passed since the charge posted to your account ''. 

Barclay Bank Delaware only promptly investigated the second but not the first disputed charge of my letter of XX/XX/XXXX. Barclay Bank delayed their investigation of the first disputed charge is an error on their part and is a violation of federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent Group of 3 Hard Inquiries was sent to me via a fraud alert from my XXXX XXXX XXXX. I had received notificatio from Equifax before that both XXXX XXXX had inquiries were being deleted .... they are still there. The are the fraudulent hard inquiries : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were not initiated by me and are not my accounts and must be deleted immediately.