23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loans were forgiven under XXXX. I received a letter from Mohela that my loans were official forgiven and that this information would be reported to the credit bureaus on XX/XX/year>. To date, my loan balances are still appearing on my credit reports, despite the balance showing as {$0.00} and forgiven on XXXX and at Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit WEBBBNK/FINGERHUT XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX
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 have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress. ( 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

This is regarding my Alaska XXXX XXXX XXXX credit card that is administered through Bank of America. My balance on this credit card is approximately {$100.00} and I have not used this credit card for purchases in a year. On XX/XX/year>, I accidentally made an electronic payment of {$1300.00} to Bank of America instead of my mortgage company. This payment cleared my XXXX Bank checking account and Bank XXXX XXXX. I contacted Bank of America on XX/XX/year> and was rest assured that I will receive a refund back to my checking account within XXXX business days. I have a credit of {$1300.00} on this credit card. I made several calls and kept being advised that my refund is still in process. On XX/XX/year>, I was advised that my refund request will be forwarded to a XXXX to process and issue a refund. The XXXX was to return my call when this was completed. I did not receive a phone call. On XX/XX/year> I called Bank of America again requesting my refund. Now XXXX being advised that the refund will take XXXX billing cycles and I was misinformed each time I called. This business practice is unacceptable. Several reps provided incorrect information and the amount of time for Bank of America to refund a consumer is not appropriate. This is NOT Bank XXXX XXXX money. This is MY money that they are holding on to. I do not have the luxury of an extra {$1300.00} and still have bills to pay. This isnt fair nor right for a corporate bank to keep and hold my money without refunding me in a timely manner. My credit card account specifies a credit to the account. I am requesting that CFPB investigate this and their business practice as this isnt fair to a consumer. XXXX filing a formal complaint against Bank of America with handling my refund in a timely manner. I should also be paid interest for the length of time they are holding on to my funds.
Product: Debt collection

Spring Oaks Capital ( SO ) did not disclose the date of last activity, incorrect balance, status incorrect, my file has not been corrected. I am requesting due to this violation I have the right to request deletion, because the law demands deletion.
Product: Credit reporting

XXXX payments due on XXXX XXXX and XXXX XXXX, 2015 were reported as 30 days late. Although late, they were clearly paid prior to 30 days past due though my electronic banking, refer to the attached bank statements. They both exceeded the minimum amounts due and there was no outstanding balance. I am not reasonably responsible for electronic lags, days off, business hours, or other overly broad/technical system variations beyond consumer control, if any. Thank you with sincerest respect.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

My interest rate on my WalMart XXXX is currently at 24 %. I've had no late payments, and of my {$170.00} payment, {$120.00} of that is going to interest alone. I contacted WalMart and asked for a decreased interest rate, and was told I have a variable interest rate that is determined by the Federal Reserve. No other cards are charging me this high of interest, and the last time I checked, the Federal Reserve interest rate is 1.75 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a collection reported on my credit report. 
A Letter sent was sent me, PortFolio Recovery Associate added a derogatory mark on my credit report. Per XX/XX/XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written from of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. Accordng to the FCRA, Portfolio Recovery Associate has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Money transfer, virtual currency, or money service

Starting the XX/XX/2016, I fell victim to a fraudulent Binary Options companies named XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( the Companies ). Money was transferred from my account to the Company via credit card for a total amount of XXXX USD utilizing Citi services
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX-related debt bondage, which qualifies as XXXX  under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX XXXX XXXX Balance : {$2100.00} Account # : XXXX
Product: Credit card or prepaid card

I signed up for the Ace Flare prepaid card. When I signed up there was an offer that advertised an account opening bonus of {$100.00} after you had a direct deposit within the first 60 days of {$500.00} or more. The bonus would be paid in 30 days from that. 

It has been not only 30 days but even 30 business days ( I was told this after I inquired after 30 days ). Then they told me I needed to have a {$500.00} direct deposit for 3 months in a row, although I can find nowhere on the terms/conditions where this is listed. 

I have contacted them several times but the agents were either unaware of the offer ( still listed on their website, by the way ) or were saying things about the 3 months of offer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent out a notice of " Revocation of POA '' and " Cease and Desist '' Navy Federal have fail to comply with either notice and still continues to communicate. Navy Federal also continues to use false, deceptive and misleading representation concerning alleged debt. This is a violation of the FDCP.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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: Payday loan, title loan, or personal loan

The XXXX XXXX XXXX, who already have been on XXXX radar many times, https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-zero-parallel-steering-consumers-toward-bad-deals/ continue to defraud Us citizens XXXX his companies https : //www.zeroparallel.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX link to his private registration page XXXX XXXX XXXX XXXX  Please take the action. 
Respect, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, Equifax XXXX, and XXXX reported adverse information on my credit report without authorization, from the following financial institutions : 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  In accordance with the Fair Credit Reporting Act, I have asserted my rights to privacy. The consumer reporting agencies stated above as well as the financial institutions lack my consent for sharing my information. They've reported adverse information without authorization, which violates the law. I must point out that 15 USC 1681, section 604 ( a ) ( 2 ) states that : a consumer reporting agency can furnish a consumer report only with explicit written consent from the consumer in question. In this case where the aforementioned financial institutions providing information to credit agencies, I have not granted any form of consent, whether verbal, non-verbal, written, or implied to Equifax, XXXX, or XXXX or any of the financial institutions. I hereby revoke any such consent that might have existed. Also in accordance with 15 USC 6802 ( b ) ( c ), financial institutions are restricted from sharing nonpublic personal information with nonaffiliated 3rd parties unless consumers are informed of their ability to opt out. I was never informed by the mentioned financial institution of my right to exercise this option. Moreover, as stipulated in 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency is permitted to include specific adverse information in a report without authorization, unless it pertains to convictions older than 7 years. The account ( s ) listed above that are being reported falls within this category of adverse information, and its reporting without my consent is in violation of the law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX - XXXX Listed below are the Personal Information that are beings required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received any investigation results.
Product: Credit card or prepaid card

I was contacted by my mother on Monday, XX/XX/2020 about my unemployment card and she noticed that the letter for the unemployment card was sent and when she checked the letter she realized the card was stolen out of the envelope. There was a bend in the envelope and red lipstick on the seems of the envelope. In other words my card was stolen. If any money was taken out of the card, I ask that the money please be replaced and that the card be shut down so I can request for a new one with all the original funds or switch to direct deposit. Please get back to me at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting an account with a balance to my credit which is reporting inaccurately. This collection has been paid should not be reporting a balance to my credit report. I also never received notice about this collection which is in violation of my 30 day right to dispute.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am a victim of identity theft, and I am writing to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please have Transunion remove this information at the earliest possible time. The fraudulent accounts appearing on my credit report are XXXX BANK, XXXX XXXX XXXX and XXXX BANK XXXX XXXX. 
I contacted Transunion to have the fraudulent information, but they completely neglected to act. 
My online Transunion account does not even work properly ; I can not check or submit a new dispute. I get an error message from Transunion every time ( Picture attached ). I tried to resolve it over the phone but a customer service representative who could not speak proper XXXX and her child was crying in the background ( XXXX/ From home representative ) falsely claimed that the issue has been resolved. Transunion has immense power to influence millions of American lives, yet they do not seem to care about doing their work properly or honoring the law, The Fair Credit Reporting Act more specifically in this case. 
XXXX and XXXX already removed the fraudulent accounts, but Transunion failed to do so. Negligence from Transunion is hurting my life and bringing hardship to it, Transunion is in clear violation of section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i and section 605B of the Fair Credit Reporting Act. Please have Transunion comply with the Fair Credit Reporting Act and remove/block this fraudulent information from my credit file that resulted from Criminal Identity theft. 
I have attached the Identity Theft report, the Police Report, my Transunion credit report ( With the Fraudulent information highlighted in yellow on the Transunion Report ), proof of Transunion online account error and proof of my identity to this inquiry. Please do not hesitate to ask me for any additional information that could be of use to you. 

Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

it's been over 30 days and the company involved has failed to verify the alleged debt they are talking about.
Product: Checking or savings account

On Tuesday XX/XX/2016, I was notified that my account had been closed due to counterfeit checks. Apparently, while I was at work, my purse and cell phone was stolen with all of my personal information. The perpetrators withdrew money from one of my accounts and at Bank of America, they deposited checks and tried to withdraw money, from my understanding. My account was frozen, so I left work to find out what was going on. After leaving Bank of America ( with not much understanding ) I went to the XXXX Police Department and filed a police report and called XXXX to notify them as well. I have done everything in my power to show them I was at work at this time and XXXX attempted to resolve this as well with no regards from Bank of America. I'm not sure what else to do here, I have resolved this with all of my credit card issuers and XXXX XXXX, where they withdrew money, but BofA has this listed as if I attempted to deposit and withdraw money. I tried to dispute with XXXX & XXXX but they sent me a copy of a statement stating BofA verified the account. I never said it wasn't my account, only that it was hacked. They do not have any documentation of me committing this crime, as I was at work, and have proof of this.
Product: Debt collection

Complaint : Midland Credit Management Subject : Escalation of Noncompliance Regarding Debt Validation and Lack of Response Creditor Information : Creditor Name : Midland Credit Management Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX Phone Number : ( XXXX ) XXXX Description of the Problem : Despite multiple attempts to validate the debt in question, including several formal debt validation requests under the Fair Debt Collection Practices Act ( FDCPA ) and a complaint filed with the XXXX XXXX XXXX  ( XXXX  ), Midland Credit Management has failed to : XXXX. Provide a complete debt validation as required under federal law, including : Documentation to substantiate the debt. 
A breakdown of the original debt, including fees, charges, and payments. 
Proof of assignment or sale of the debt to Midland. 
XXXX. Respond to or address the XXXX  complaint, further indicating a lack of willingness to resolve this matter appropriately. 
XXXX. Confirm whether a 1099-C form was issued to report the charged-off debt as income for tax purposes. 
XXXX. Provide transparency about whether this debt was sold to other agencies, creating concerns about double-dipping or multiple collections on the same debt. 

This lack of response is a direct violation of consumer protection laws and has caused unnecessary stress and harm to my credit profile. 

Supporting Documentation : Attached : Debt validation letters sent to Midland. 
BBB complaint and lack of response records. 
Credit report showing Midlands negative account reporting. 

Declaration : I respectfully request the CFPB to investigate Midland Credit Management for noncompliance with the FDCPA and FCRA. Their failure to validate this debt and respond to formal complaints is unacceptable. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to reinvestigate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX Balance : {$410.00}
Product: Credit card or prepaid card

XX/XX/XXXX we were sold a XXXX XXXX XXXX XXXX Credit card. At that time we were told it's " like a XXXX '' just spend against it and when your child turns XXXX, you can use it for college loans or books, etc. In XXXX XXXX XXXX a company named XXXX XXXX took over the rewards aspect of the card and supposedly sent us a letter stating they changed the program and that we would need to redeem our points every year to make the program work. We never signed anything, no email was sent, and WE NEVER RECIEVED ANY LETTER. We have been using the card like we were told but in XX/XX/XXXX, we called XXXX to see how the account was doing and they said we haven't been redeeming our points so nothing has really happened. We redeemed that day for @ XXXX dollars in points. However, we lost 6 years of compound interest. After contacting XXXX, they say it's an XXXX XXXX problem, and vice versa. This is an easy fix, but both companies are stating they can't do anything because a letter was sent. We never got any letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response from XXXX XXXX XXXX XXXX of another complaint. I have a few issues with this response. I've attached copies of the response. One this response thy stated that they never reported the late 's for XXXX XXXX and XXXX, I have included a copy of the account from my credit report where they are reporting the erroneous late 's. I need a deletion letter as confirmation that this will be fixed. They also included a phone number they have been trying to reach me at, this number is not mine and never has been. I've included a screenshot of my account with XXXX XXXX where you can see the primary number is XXXX XXXX  and the second is mine. I'm not sure where this number even came from, like I stated this number has never been mine. I truly feel as if these reporting are incorrect and if they would have contacted me using the information I have provided we would not have this issue. It has never been my intention to be late nor was I really aware I was late, I plea with XXXX XXXX XXXX to please remove all the late notations from my credit file.