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

I originally made Experian and the CFPB aware of the items below that were created as a result of Identity Theft on XX/XX/XXXXXXXX Per FCRA 605B ( 15 U.S.C. 1681c-2 ) after identifying the items below as information that resulted from identity theft and providing the required documentation, Experian should have blocked and removed these items no later than 4 business days after receiving the required information. I have attached appropriate proof of the identity, a copy of an identity theft report, the identification of such information related to the identity theft, and a statement by me, the consumer, that the information is not information relating to any transaction by me. I am also attaching proof that this information was submitted to you on XX/XX/XXXX. Delete and block this information according to FCRA 605B ( 15 U.S.C. 1681c-2 ). By continuing to report this information on my credit, Experian is violating my consumer rights under FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Below are the accounts that STILL NEED TO BE BLOCKED AND DELETED per FCRA 605B ( 15 U.S.C. 1681c-2 ) : XXXX. XXXX XXXX Charge Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
2XXXX XXXX XXXX Home Equity Line Of Credit with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX XXXXXXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$36000.00}. 
XXXX XXXX XXXX XXXX Secured Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$960.00}. 
XXXX. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3500.00}. 
XXXX. XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
XXXX. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6700.00}. 
XXXX. XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6300.00}. 
XXXX. XXXX XXXX XXXX Mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$560000.00}. 
XXXX. XXXXXXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$4900.00}. 
XXXX. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 
XXXX. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00}. 
XXXX XXXX XXXXXXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}.
Product: Debt collection

JPMCB CARD has reported fake news on all my credit files : - XXXX - XXXX - XXXX My ID was stolen by a XXXX XXXX out of XXXX XXXX County, State of California per IRS CID investigator XXXX XXXX. 

I have notified JPMCB years ago and they continue to report the debt.
Product: Credit reporting or other personal consumer reports

My privacy rights are safeguarded by laws established by XXXX to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.
Product: Credit reporting or other personal consumer reports

The failure to further and fully investigate the matter is absurd! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations. I disagree with the decision as this debt is not mine, and I should not be held accountable for someone else using my information. Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : * FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX : Fine of {$1000.00}. * Defamation, financial injury- US Court of Appeals, Ninth Circuit, No. 00-15946 Nelson v. Chase Manhattan : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. * Defamation, willful injury - FCRA Section 623 CUSHMAN v. TRANSUNION CORPORATION ; US Court of Appeals for the Third Circuit Court Case 115 F.3d 220, June 9, 1997 Filed ( D.C. No. 95-cv-01743 ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I saw a bunch of accounts on my credit report showing as open, paid late. However these accounts were previously included in a bankruptcy discharged XX/XX/XXXX. I opened a dispute to have these accounts Listed as included in bankruptcy/closed. Many were updated however XXXX and XXXX were not. I have called equifax monthly to check the status and was told it takes up to 30 days and I will get a letter with results. 
I have not received a letter and called today and was told these accounts were not included in bankruptcy. Also the rep was not helpful, did not listen to what accounts I repeated were the issue. Ultimately she told me they were not included in bankruptcy so they remain open. This is effecting my credit score, I have not received any updates on their investigation.
Product: Credit reporting or other personal consumer reports

To my complete surprise, I discovered inaccurate accounts on my credit report today, with no idea how they ended up there. I check my report frequently, but these errors appeared unexpectedly. I even tried refreshing the page, thinking maybe it was a mistake, but the accounts didnt go away. I need the documents Ive provided to be thoroughly reviewed so I can finally put this behind me and stop worrying.
Product: Debt collection

On XX/XX/XXXXXXXX XXXX XXXX Unifund CCR , LLC, started adding two Collections accounts to all three credit bureaus in response to debts they must have bought from XXXX XXXX XXXX XXXX They backdated the opening of the accounts to XX/XX/XXXXXXXX  Unifund has never over the course of the last five years contacted me via phone, mail, or email, regarding their purchase of either of these debts prior to submitting this information to the credit bureaus. These two original debts have been in ongoing disputes over the validity and accuracy. Unifund has also not provided validation of the debts. XXXX has already deleted one Unifund collection account, and all others, to include the original XXXX XXXX debts, are currently in dispute and are being investigated. I believe that Unifund bought debt that was already expired because of the Statute of Limitations in Florida, but is attempting to re-age the debts in their favor. These debts can not be validated by Unifund, and should be removed from the credit bureau reporting.
Product: Payday loan, title loan, or personal loan

I originally made a modification in XXXX of XXXX to reduce the interest. Interest was reduced to 65 %. Then in XXXX of XXXX I called to settle because the loan is never ending and financially killing me. I paid {$3000.00} to settle and was told the remaining balance which in XX/XX/XXXX was around {$6500.00}. The remaining balance around {$3500.00} was supposed to be 0 % interest to pay off. I have statements showing 0 % and now I'm showing 66 % and a balance of {$4700.00}. They said there was an error in transfer of paperwork that they should of been charging 66 %. This was not what was agreed. I have not missed the payments. I try to pay the debt off but it is never ending. I told them I have a statement showing the 0 % and they tell me that they do not offer 0 %, but the statement clearly shows 0 %. I have attached a picture of the 0 % interest that I told them it was at and now at 66 %. They don't listen to anything I say. I've been trying for 3 days now to settle this. I would of never sent them the {$3000.00} upfront, that I struggled to get because at the time work was slow because of COVID. But I needed to do something to get out of the interest. That is why I settled the loan for 0 %. Other wise why would I go from a modification of the interest at 65 % to a 66 % interest rate? I wouldn't. Please help as I can't do this anymore with the interest and I don't want to file BK on this. So with the {$3000.00} lump sum paid and if I pay there current pay off amount of {$4700.00} that puts me well over the {$6200.00} loan that was initially what they gave me. Not including all the years of payments I had already paid at $ 400+ a month before XX/XX/XXXX. It is a killer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint about specific records in my document as a result of their misbehavior. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, block the mention of any information in my credit report that resulted from alleged fraud. According to Section 605b of the FCRA, CREDIT BUREAUS is required by law to remove any ITEMS or information discovered to have been opened as a result of identity theft. 
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 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization
Product: Credit card or prepaid card

On XX/XX/2020 I temporarily lost my job due to the COVID 19 pandemic. This means that it became legally impossible for me to fulfill my contractual obligations to capital one of continuing to  make my monthly payments. I informed Capital one that I would be out of work because my place of employment closed down. However, I indicated that I could possibly return to work in XXXX. The representative said that Capital One would take my minimum payment to XXXX  in a temporary basis. The representative said that if my situation did not change I could contact capital one again. On XX/XX/2020 I called capital one again and tried to inform an individual whom I believed to be a representative/agent of the company that I would not be returning to work until XXXX but would make every effort to pay all of my balance off as son as I recieved another paycheck in XXXX. The representative was quite rude which I admonished her for. She eventually hung up in my face and did not note the phone call ( her words ). In effect I was unable to verify whether my payments would be deferred or brought down to XXXX. On XX/XX/2020 capital one applied a late fee to my account because I could not make a payment because I was unable to leave the house, go to work and had no money due to the COVID-19 pandemic. I was unaware at the time that the late fee was applied to my account. On XX/XX/2020 after my state opened up and after I was able to return to work and pick up my paycheck, I paid Capital one {$130.00}. I followed this payment with another payment of {$130.00}. I began making these larger payments pay off my entire debt to capital one. I then noticed that I still had a due balance of {$170.00}. When I checked my statement I realized that capital one had been assessing late fees to my account even though the company had been made aware of my financial situation and the fact that my ability to pay at the time the fees were applied was impossible. As an aside Impossibility is a  legally recognized reason for an individual not being able to fulfill their end of a contract. A global pandemic and jobless most certainly counts as impossibility. On XX/XX/203 I called Capital one and asked them to either waive or remove the {$25.00} fees as they were unethical and it was impossible for me to pay at the time they were assessed. The representative refused. I spoke to a manager and the manager refused and said that he was at the top of the customer service hierarchy and there was no one else I could talk to and Capital One would under no circumstance reverse the {$25.00} charge. I told him I would be reaching out to corporate and filing a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against US Department of Education for Reporting Inaccurate Late Payments on Student Loans To Whom It May Concern, This complaint is filed in regard to the unlawful and inaccurate reporting practices by the US Department of Education ( US DEPT ED ) on my consumer credit report, specifically involving my student loan accounts. Despite my initial dispute filed on XX/XX/XXXX, the inaccuracies remain unresolved, causing continued harm and distress. 
The following violations have occurred in relation to this reporting : 1. Inaccurate Reporting of Late Payments : The student loan accounts were incorrectly reported with late payments during a period when the accounts were in deferment status, as documented and verified by the US Department of Education ( documentation available upon request ). The accounts should reflect a current status with no late payments. Specifically, the following dates have been inaccurately reported as late payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2. Violation of Privacy and Unauthorized Reporting Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting these accounts with incorrect late payments without my consent constitutes a violation of my rights. 
3. Failure to Maintain Accurate Reporting Under 15 USC 1681e ( b ), credit reporting agencies are required to maintain accurate and complete consumer files. By continuing to report these inaccuracies after my first dispute, the credit bureaus have failed in their obligations. 
Summary of Errors and Discrepancies : The errors include late payments being reported for months when the accounts were in deferment. Specifically, there are instances of 90- and 120-day late payments listed on my credit reports for TransUnion and XXXX XXXX despite the loans being in deferment as verified by the US Department of Education . These discrepancies have severely impacted my credit score and financial reputation.

Requested Action : Given the severity of these violations and the documented deferment status of my loans, I am formally requesting the immediate correction of these accounts from my consumer reports within 10 calendar days from the receipt of this complaint. The requested corrections include removing all late payments and ensuring the accounts reflect a current status with no delinquencies. Failure to resolve this matter will result in further escalation. 
These inaccuracies have caused significant emotional distress and damage to my creditworthiness. I demand immediate corrective action to prevent further harm. I am prepared to provide additional documentation if needed. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Denied my credit for a card when it was valid and ran my credit unknowingly without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years Ive had a negative account on my Experian credit report which was resolved with XXXX XXXX due to an address change not made in their system. Its been paid and they have provided me documentation to show such which Ive on many occasions provided to Experian. Yet, its never removed. 

I had the EXACT same situation happen a couple years later with XXXX and yet again, Experian refuses to remove this.
Product: Money transfer, virtual currency, or money service

Venmo deducted a fee of {$3.00} from a transfer of {$160.00} I made on XXXX/XXXX/21. Venmo sent a message to the recipient stating that I had tagged the transaciton as a good or service, which is absolutelty false. Venmo failed to disclose their fees and did not provide an option to specify whether the transaction was for the purchase of a good or service.
Product: Credit card or prepaid card

I originally filed case XXXX to which the company responded that I should reach out to them through their 'secure message center '. 

I have been contacting them for close to 30-days and the only response I get from them is that we're still looking into it. 

This is a credit card for which I am charged interest and fees. Their lack of urgency is further damaging my credit and my ability to repay this debt. 

I followed their instructions in response to the first complaint but I am not getting fair treatment. 

These are unfair and deceptive practices. I need to resolve the balance on my account and I have been trying to do so for some time and I'm met with automated responses instead of opportunities to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a very low credit score ( compared to XXXX, XXXX, and XXXX  ) from this company, SageStream , LLC. When I tried to call them at the number provided, I could not speak to a human, only leave a message. 

When I tried to request a detail of their report on my credit history online, the system abruptly shut me out and directed me to their phone number where, again, there was no option to speak to anyone. 

I've never heard of this company and, sadly, it was required that I supply them my birthdate and social security number online to gain access to my report ( which, as referenced above, was not shown to me ). 

Online complaints about this company are numerous! People 's credit scores are being trashed and, when they inquire why, SageStream , LLC tries to sell them credit fraud prevention services. I never got that far ; but the outgoing message on their voice mail says someone will get back to me within 24 hours. We'll see ...
Product: Credit card or prepaid card

On XX/XX/2021, I purchased a XXXX from XXXX XXXX on Amazon with my Amazon Store Credit Card ending in XXXX. On XX/XX/2021, I received the walker which was defective. I contacted the Seller, XXXX XXXX, requesting a refund and after a couple of weeks they finally responded and they issued a return label for me to return the item, refund. On XX/XX/2021, the item was picked up by XXXX and returned to XXXX XXXX. After NOT receiving my refund, I contacted Amazon Store Credit Card and started a dispute. After Amazon Store Credit Card did NOT respond to my request for dispute, and each time I called them I would receive a call center representative in XXXX who would NOT resolve the problem, I sent them a letter via FAX ( see attached fax receipt ) and via Certified Mail ( see attached letter and certified mail return receipt verifying they DID get my letter ). I contacted Amazon support where I purchased the item off of and they sent me an email stating that the refund was issued XX/XX/2021, after I had disputed the item with Amazon Store Credit Card, however it was not and has NOT posted to my Amazon Store Credit Card account. Even after I sent a letter via fax and certified mail with return receipt ( attached herein ) and several weeks have passed since XX/XX/2021, since I first started a dispute, STILL my refund has NOT posted to my account after several weeks. I am making this CFPB complaint because Amazon Store Credit CARD refuses to cooperate in posting my refund of {$150.00} to my credit card account and every time I call or email I am stonewalled by representatives of Amazon Store Credit Card. I am requesting that my refund of {$150.00} be posted to my Amazon Store Credit Card account as soon as possible without any more stonewalling.
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns about Zelles way of handling disputes regarding the recent CFPB lawsuit, which highlights important issues with Zelle as a company. Although I used Zelle where I had to report discrepancies, my bank and Zelle both failed to investigate my concerns. I was informed that recovering lost funds was unattainable. The CFPB lawsuit further shows that Zelle highly neglected its consumers while allowing repeat offenders to exploit this neglect on Zelles behalf. This exploitation has left the consumers vulnerable to scams. Altogether, this raised my concern for Zelles consumer safety.
Product: Payday loan, title loan, or personal loan

I have made sure to make my payments on time for CREDIT ACCEPTANCE with the account number XXXX. This account should not have a late payment status in my record. Make sure to provide me any documentation about the late payments being done on the months indicated in the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern, I am in need of your assistance. I have been trying to get inaccurate information that is showing on my credit file removed. Here are the items that is inaccurately reporting or is not mine. 

The accounts below are not mine : 1. XXXX XXXX - XXXX XXXX showing on XXXX and XXXX 2. XXXX XXXX - XXXX that is showing on XXXX and Equifax 3. Bankruptcy XXXX that was filed in XX/XX/XXXX The below accounts is inaccurately reporting late : 1. XXXX XXXX XXXX I was never 30 days late in XX/XX/XXXX ; XXXX, XXXX, and Equifax is reporting inaccurate lates 2. XXXX XXXX - I was never 30 days late in XX/XX/XXXX ; XXXX, XXXX, and Equifax is reporting inaccurate lates 3. XXXX  - I was never 30 days late in XX/XX/XXXX ; Equifax is reporting inaccurate lates 4. XXXX XXXX - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; XXXX XXXX XXXX XXXX and Equifax is reporting inaccurate lates 5. XXXX XXXX - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; XXXX, XXXX, and Equifax is reporting inaccurate lates The following address information is not mine : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lag posting of charges and credits. This issue aligns with the recent CFPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

RAYMOUR AND FLANIGAN charged off an account that was never late on payments and sold it to a debt collector. violating 15 USC 1681 s-2, 18 USC 894 , 18 U.S.C 1028A , Gramm-Leach-Bliley Act