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

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the Equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint # XXXX as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report showing XXXX and XX/XX/2021 i was 30 days late with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX .I was victim of XXXX XXXX while I was involve and helping other people overseas. i was hospitalize for 2 months. I called XXXX about the payment, they put me hold for an hour, next few days later i called again no one answer my call and transfer me from here and there. finally i send the payment but i was late. After i saw a negative report on my credit bureau report, i talk to XXXX credit service and they have no sense of people affected from XXXX XXXX and get late of payments. I would like to ask if you can investigate and help me to resolve the issue. i was in the hospital so i could not make the payment on time, finally i paid off the account.
Product: Credit reporting

Experian is the only credit bureau that has not fixed this. Reporting a past due of {$2500.00}. This is incorrect. should show {$0.00} past dueXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

have sent in disputes to be investigated from all XXXX of the credit bureaus XXXX, experian, and XXXX. Instead of these dispute letters being investigated as per law of the consumer. I am recieving letters back stating that the investigation will not be processed and it don't seems to be me requesting a dispute of letters I had to pay for with my drivers license and utility bill and social security card. I do not have money to waste and I do not use computer like that to do any thing online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the original creditor and natural person. I did not give this company written consent to furnish my consumer report.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accountsare 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the hurricane Irma. Capitalone put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru capital one they denial my claim for hurricane issues.
Product: Student loan

My loan was placed in forbearance while the status is in IDR admin processing for the XXXX plan with payments to begin XX/XX/XXXX. I called in XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX to request to remove the forbearance as I am in the XXXX program on studentaid.gov and need to make these payments for XXXX. When I spoke to the representative on the phone, they said I'm not in forbearance and payments are not due until next year. Essentially, they only confirmed the issue and didn't approve my request. Meanwhile, interest is still accumulating and any payments I make for the next year will not count towards my XXXX payments since they will be made outside my IDR. I am writing a complaint here as I am qualified to begin XXXX, so I don't understand why I can not begin payments as requested and NELNET is forcing a forbearance on me that is causing my interest to accumulate and impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian XXXX times to investigate the account XXXX XXXX XXXX # XXXX. Every time the response is verified as accurate. I'm starting to think the response is automated. I asked how and who was the information verified by at the company. I also sent XXXX XXXX XXXX XXXX letters. After not receiving a response I sent XXXX certified it was returned. Does this company even exist? I will include a screenshot from XXXX reporting their address on their website. I will also include the mail showing it was returned. I have never heard of this company and I have attempted several times to find out how they think I owe them. I am requesting this account to be removed immediately! This falsely reporting account is also reporting past due. On the last XXXX disputes XX/XX/XXXX and XX/XX/XXXX the dates were updated to XX/XX/XXXX and XXXX this is manipulating the statue of limitations. The account also shows highest balance is {$0.00} and original balance is {$3400.00}. This needs to be permanently deleted from my credit profile. I have the right to a XXXX XXXX accurate credit file. XXXX XXXX XXXX is in violation. I look forward to your prompt response as I have endured enough. It has cost me time and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was only an authorized user on this Target account. I demand this account be fully removed from my credit reports as I was never liable for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  account # XXXXXXXX XXXX XXXX XXXX the original creditor XXXXXXXX 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 a account without my written instructions.
Product: Credit card or prepaid card

My XX/XX/XXXX bill with a due date of XX/XX/XXXX in the amount of {$58.00} was never received by me in any form which is an on going issue with this company. As a result the following months payment due on XX/XX/XXXX was now {$110.00} which includes the past due of {$58.00} which is clearly visible on their own paper statement. On XX/XX/XXXX the past due amount was paid bringing me current and only owing {$58.00} by the XX/XX/XXXX due date. On XX/XX/XXXX {$2000.00} they withdrew {$110.00} from my account even though I paid the past due amount on XX/XX/XXXX going against the signed minimum auto payment due document. I requested the extra payment to be credited back to my payment method and I was told no. I want the {$58.00} credited back to my payment method. Thank you
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 requiremen
ts 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: Credit card or prepaid card

This is a complaint regarding to Barclays XXXX XXXX credit card ( XXXX XXXX : XXXX ). Due to coronavirus, I can not go shopping by using the card. Barclays sent me a letter saying that Barclays closed this account due to inactivity. It is fine for me. However, Barclays does not want to pay the {$2.00} remaining balance in the cash rewards by giving excuse of needing reaching {$50.00} to be able to redeem rewards. It was Barclays who closed this account, not me. Therefore, I believe that Barclays should give the leftover balance to customers, instead of giving excuse of needing reaching {$50.00} to be able to redeem rewards. 

I have contacted Barclays customer service number XXXX for multiple times ; however, Barclays does not want to pay the {$2.00} remaining balance in the cash rewards by giving excuse of needing reaching {$50.00} to be able to redeem rewards. The last time was XX/XX/2022 with a supervisor named XXXX XXXX XXXX ID : XXXX ).
Product: Credit reporting

Transunion refuses to remove the XXXX XXXX account despite both XXXX and XXXX doing so. I have provided proof that the creditor has requested it removed via the cfpb. Further they will not send my full file disclosure nor will they block the unauthorized inquiries or XXXX. I have sent them multiple disputes to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve the following problems on my Equifax report. 

XXXX. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is paid in full XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing a complaint for Ford Motor credit for failure to do the following : 1. Identify the level of accuracy and fairness with regards to any information provided or furnished their company, so that I may verify or contest the accuracy and completeness of the handling of my consumer report ; 2. Provide me with the transaction and complete payment history, for legal purposes, and so I can see and have all investigation details information and do my own due diligence to verify this investigation.

3. Notify me before making such adverse decisions that lead to actions taken against my consumer report.

4. Failed to provide a copy of any alleged contract or other instrument bearing my real ( not copy ) hand written admittance.

I have contacted Ford Motor Credit several times and have had no results. I have sent in Ftc report, Police Report, Affidavit, Letters requesting to reinvestigate. I spoke with their Representative XXXX, she was unable to provide me with the information regarding the fraudulent account on my report. First she stated it was another department that handles identity theft, however, another rep told me she was the one to contact. I don't think a through investigation was processed. I never had a account with them It's been over 90 days since I first contacted Ford Motor Credit. I demand the account be removed immediately due to FRCA Reporting Act
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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: Checking or savings account

Dear CFPB, I have been trying to block transactions for my checking account at Wells Fargo. However, they were only able to get my debit card to block transactions. They said if I wanted to block transactions to the checking account specifically, then I had to go into the bank personally to do it which puts an undue burden on me and my familys finances because we are trying to ration my gas due to the rising prices. 

As a result, they charged me a {$35.00} overdraft fee and refuse to give it back to me due to arbitrary measures such as my relationship with the bank. All I ask is for a refund of my overdraft {$35.00} which I can use to pay for gas, and for Wells Fargo to block transactions so I wont have to pay overdraft fees in the future. Ive already had to recover nearly {$200.00} from them which some of it has been rejected based on their bogus relationship criterion. 

As youre well aware, Wells Fargo is known for their predatory practices on minorities who are on the lower income spectrum such as myself. And I cant afford to keep shoveling out money to a bank that is only concerned with their bottom line and not poor consumers such as myself. 

Sincerely, Anonymous
Product: Mortgage

Greetings My husband and I made a payment for our Mortgage to XXXX before the year of 2010. As it was made to our attention, the mortgage company claimed that they never received the payment, but they did receive it! Using a US POSTAL MONEY ORDER for almost & XXXX, an employee I intercepted the payment for their PERSONAL USE! It was traced and came back with a signature on the back and the date! XXXX, denied the claims and continued to charge us for the payment not being received after we repeatedly made contact with them on the incident! This in turn caused my husband and I to file for protection against foreclosure of our home, using the XXXX XXXXXXXX bankruptcy protection! We have received no compensation from XXXX but since then we have moved on from this company and we are in another home. This was the only way to get out of the terms of this condition and we have NEVER RECEIVED ANY COMPENSATION FOR THIS MATTER, AND NOT EVEN A SIMPLE APOLOGY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have new information in regards to Equifax to follow federal law. I have sent multiple notices to Equifax making them aware of the many violations they have committed and yet they have continuously put their company policy in place of the FCRA. I never gave them permission to furnish anything on my report yet they say they do not need permission from my. Pursuant to 15 USC 1681b it clearly states that without a written express permission from the consumer it is unlawful to furnish anything on my report. The negative information has caused me to lose my job, lose my car, and doesn't allow me to properly extend my credit for credit cards, apartments, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the TransUnion credit bureau was dated XX/XX/2022 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$360.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. 
This account is hurting my ability to obtain credit. 
It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Summary of Accounts being challenged in list form XXXX XXXX - Account Number:XXXX Shows inaccurateness. The Payment histories are different from each other. TransUnion has no report, XXXX was Chargeoff and XXXX was OK. Please update it or REMOVE from my account Bankruptcy - Account Number:XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.
Product: Vehicle loan or lease

I've been sending my payments through via certified mail and got no response back I sent in my power of attorney as well with my tender of payments giving XXXX XXXX instruction to apply the principles balance to the principal account every month because I am the beneficiary owner of the account. I also contacted westlake and talked to a service representative and asked about the interest and equity that has incurred on the account they then escalated me up to someone in the financial department in where I was told that the contract was not equitable to me. So then later down the line I then discover gap coverage and vehicle maintenance insurance that I did not authorize then I spoke with XXXX XXXX from the product recovery department he gave me the option to opt out of it in which I did and submitted the documents back to them and was told that balance from the contracts that were canceled was gon na be applied to my principals balance but it was not because I woke up this morning on XX/XX/24 to discover the vehicle has been repossessed I called to ask why in confusion because XXXX weeks ago I was assured by XXXX XXXX that the account was into good standards and that I wouldn't be billed until the next billing cycle which was in XXXX he mentioned. I applied my social security to a application in which I was left empty handed. Also they used a third party to gain repossession of the vehicle and disclosed my information to the third party without my consent as well. They as well took my personal belongings as well as well as others items they took my id, my vehicle tags and other very personal items that are important to me they as well failed to disclose who the third party was who has repossessed the vehicle. I do intend to a file lawsuit in the us district court and I would like for This to be noted for documentation and for the purpose to try and cure the situation
Product: Debt collection

Today, XX/XX/19, I received a letter in the mail stating that I had been sued and judgment had occurred. Not to mention stating that I will be arrested and incarcerated if I do not fill out the information subpoena. From what I understand, the law firm of Presser, Felt & Warshaw, formerly known as Pressler & Pressler, prefer to use unfair tactics when it comes to debt collections. No summons was received neither from them nor the court. Not by regular mail or certified mail either. No communication from their side, even if you call, you're placed on hold and then hung up on. You can't attend a hearing if you are unaware it is taking place, nor can you come up with a payment plan if the other party is unwilling to corporate and have proper communication. I have worked with other debt collector law firms, worked out payment plans, so I'm aware of my rights as a consumer and as someone in debt.
Product: Vehicle loan or lease

This XXXX keeps calling about 5-6 times a day until XXXX! Wants to sell vehicle insurance and loans. Asking for a XXXX, no one lives here by That name.
Product: Debt collection

Credit Bureaus XXXX and XXXX are reporting wrongfully. This is detramental to my credit. The Account Status they both are reporting as activity date of XX/XX/XXXX is incorrect. The Activity date was XX/XX/XXXX when the foreclosure took place on my home in XXXX Calif. No activity happened after that. The correct Activity Date should reflect XX/XX/XXXX. 
I have Disputed this with them several times per phone and XXXX, to no avail. Ditech Financial LLC is reporting to them the wrong activity date.