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

I have a charge off collection to discover bank in which I never opened or was never aware. It has tarnished my credit report and affected my ability to get a mortgage loan because of the delinquency and late payments. I have no knowledge of this account and would like it removed immediately
Product: Debt collection

I received letter Ref XXXX regarding TRS Ref XXXX on XX/XX/2020 but dated XX/XX/2020, that they will not remove debt XX/XX/2020, after my ch XXXX XXXX was converted on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act, the following lit of accounts below as violated my federally protected consumer rights privacy confidentiality under. 15. USC 1681 uner 15 USC 1681 sec. 602 ( A ). 15 USC 1681 sec 604 ( A ). 15 USC 1681 ( A ), ( 5 ). 15 USC 1681 sec 2 ( A ) ( 1 ).. I would like these accts removed from my credit report immediatley and any other accts not listed alon with all inquiries. 

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, credit repair services, or other personal consumer reports

On XX/XX/2021 I C System INC " XXXX XXXX '' has added an derogatory mark on my credit report per XXXX  XXXX. Upon further research this account was transferred/sold and i am no longer responsible for the account. Debtors creditor did not verify this collection also there was no written contract or signature for the accused debt presented at any time. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA I C System INC has violated my rights as a consumer and I am requesting legal action to remove this account immediately. My Hipaa rights have been violated.
Product: Credit reporting or other personal consumer reports

Im trying to get a car but no one can get my credit report to release. I had to quit my job because of transportation issues and not being able to afford XXXX to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 an 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 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

I had an auto loan with Exeter Finance that matured on XX/XX/XXXX. Due to having deferments on the account, I still owed a balance. I had continued to pay as agreed, and have never gone 30 days past due on making a payment. I called Exeter Finance and spoke with a manager on Tuesday XX/XX/XXXX, as well as Thursday, XX/XX/XXXX due to a payment I had made on XX/XX/XXXX, not properly reflecting on my online transaction history. I was advised that due to the loan maturing, that the next payment date would not reflect online. I specifically asked the manager during both calls, if this would result in being past due with the credit bureaus. During both calls, a manager specifically responded and stated that the loan has simply matured, and that I should continue to make payments as agreed. This is what I have done, however, Exeter Finance is reporting to the credit bureaus as of XX/XX/XXXX that I am 30 days past due making a payment on this account. I have called Exeter Finance and requested to speak with a Credit department, and have been advised that one does not exist. I am requesting additional assistance from the CFPB in regards to this matter and having the late payment reported to the credit bureaus removed, as I am not 30 days past due on my payments and have made at least the minimum payment if not more each month.
Product: Mortgage

I did not have funds to make a full mortgage payment, so I sent a partial pay with the intent to pay the balance before the due date. A couple weeks later, I sent the balance. My total payments in the month of XXXX equaled the amount due. 
The mortgage company rejected my first partial payment, but first they cash my check and issued a check of their own back to me. I received rejection letter after I sent a check for the balance. I now have just days to figure out if they will accept the second partial payment and how much money I have to find to pay the amount due. I might have to pay additional fees to overnight a check or use the mortgage company 's telephone payment system. I was trying to make sure that the mortgage got paid, but the mortgage company is trying to make sure that I miss my XXXX payment. This is totally unfair. I should not get punished for trying to make the payment.
Product: Student loan

I've called MOHELA several times trying to get information on why certain payments are not qualifying when I did make payments. I'm on the phone for hours waiting and then I get hung up on. I'm also trying to get my XXXX application processed before they force me to pay an incredibly high monthly payment that is due XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan account with XXXX XXXX has been closed since XXXX XXXX. Which Law states that XXXX XXXX had the right to Report Fraudulent information 5months after my account was closed to XXXX. XXXX XXXX, XXXX of PHH Obudsman states that I disputed my XXXX  Credit Report, in which is untrue. 
XXXX XXXX swore that the information she provided was true to XXXX. Her Negative Response as of XXXX XXXX was with Intent to cause me harm. I do not owe this company and XXXX had no right to try and destroy my Character.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate claim made by XXXX regarding missed payments on my auto loan account. I have reviewed my loan records, and there is no evidence of the occurrence of missed payments on my part. I believe the lender has reported false information to the credit bureaus or made an error in their records. 
Details of the loan in question : Lender 's Name : XXXX  Account Number : XXXX Loan Type : Auto Loan Date Loan Was Initiated : Disputed Issue : Incorrect reporting of missed payments in XX/XX/year>. 
Nature of Dispute : 1. I have made all payments on time and in full according to the terms outlined in my auto loan agreement.

2. I have attached proof of payment, such as bank statements, payment receipts, or screenshots of online banking transactions for the months in question.
Product: Student loan

Navient is my lien holder for my student loan and I have make extra payments presently and in the past. The company will not apply the extra payments towards the principal rather the company applies the additional payment towards future payments. The most recent example is I made an additional payment earlier this month and the company applied the money towards my XXXX payment. Their payment stub does n't include any method to apply overpayment towards the principal. This has happened numerous times in the past and when I call I am told that the payments were already applied and cant be changed.
Product: Credit reporting

In XXXX 2016, I applied for a credit card from XXXX and was denied based upon my Experian credit report. In XXXX 2016, I requested Experian send me a copy of my credit report and Experian refused.
Product: Checking or savings account

It was recently brought to my attention by the New Mexico Taxation and Revenue Department that my New Mexico vehicle registration was in jeopardy of being revoked due to lack of insurance. I contacted USAA whom has been my primary banking and auto insurance organization for years. Evidently, from what I have deduced is that an automatic insurance payment was declined on the banking side in XXXX and again in XXXX causing the insurance to be in negligent standing and eventually canceled. I had to reapply for an auto policy with USAA with a lapse on my record causing me to bear a higher premium and pay a down payment to instate a new policy. My monthly payments have now increased and my record flawed due to this. After speaking with several USAA agents no one can explain to me why these payments were declined as there were sufficient funds in my checking account and it was NOT initiated by me. I am again left in the wake of this error having to pay more money and a permanent mark on my driving/insurance record for the same coverage. USAA has been unwilling to acknowledge any wrong doing or make an effort to investigate the issue or offer any sort reconciliation to make this right.
Product: Mortgage

My yearly property taxes are {$960.00} -- Nationstar Mortgage collected so far {$800.00} in escrow payments, to pay for my yearly property taxes of {$960.00} --. 
Yet Nationstar Mortgage are still demanding, that I pay an additional {$800.00} -- ( 10 months @ {$80.00} -- ), which means, they want to collect {$1600.00} -- p.y. in escrow payments, even though my property taxes are only {$960.00} --. 
To my knowledge, they are only entitled to keep a " cushion/reserve '' of {$300.00} -- p.y. 
Hence, they ought to refund me {$500.00}, to bring down the escrow cushion from the present {$800.00}, down to a {$300.00} -- " cushion '' ..
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further more, 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 inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX  consistently re

sponds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. F
urthermore, XXXX  's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

DID NOT AUTHORIZE THIS INQUIRY ON XXXX XXXX -- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX MISSED PAYMENTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX  MISSED PAYMENT 15 USC 1681 SECTION 602 states I have the right to privacy.

15 USC 1681 SECTION 604 SECTION 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC code 1681a states Defintions ; rules of construction - Exclusions. -- Except as provided in paragraph the term " consumer report '' does not include -- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B states - A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

THE FCRA ALLOWS 30 DAYS FOR THIS TO BE RECTIFIED.
Product: Credit card or prepaid card

Three attempts were made to obtain credit in my name using my social security number : XXXX XX/XX/2022 - XXXX XXXX XXXX XXXX - Inquiry XXXX XX/XX/2022- XXXX XXXX XXXX XXXX - Inquiry XXXX XX/XX/2022 Wells Fargo Bank XXXX - Account Opened I contacted all three financial institutions and verified that someone was fraudulently attempting to open accounts using my name and social security number. The accounts have been blocked and no financial loss has been incurred by me at this time. 
I was made aware of these attempts by two credit monitoring services that were provided to me due to security breaches at institutions I have dealt with in the past. I have frozen my credit report and placed fraud alerts with the three credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX Balance : {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction regarding the ongoing issues I have faced with my account at 3 Credit Bureaus. Despite several attempts to rectify the situation, fraudulent items continue to appear on my account, and my concerns have not been adequately addressed. 

To provide you with a clear overview of the situation : I have made multiple attempts to remove fraudulent items from my account, including : Despite these efforts, fraudulent items persist on my account, causing significant distress and financial harm. 

As a result of these ongoing issues, I have incurred unauthorized charges and fraudulent items on my account, which are both distressing and unacceptable. The fraudulent charges and items are as follows : An immediate and thorough investigation into the origin of the fraudulent items on my account. 
An explanation for the recurring issues and a clear plan for the removal of all fraudulent items. 
The reversal of all unauthorized charges and the removal of fraudulent items from my account. 
Enhanced security measures to prevent further fraudulent activity on my account. 
A written response detailing the steps you will take to rectify this situation within 15 days of receiving this complaint letter. 
Failure to address these concerns and provide a satisfactory resolution within the specified time frame will leave me with no choice but to escalate this matter to higher authorities, including relevant regulatory bodies and law enforcement agencies. I believe that this situation can be resolved amicably and without the need for further escalation. Please help me remove the following fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00}.
Product: Consumer Loan

The company is called Speedycash. It is a pay day loan service, but they also have gaming consoles, and electronics such as laptops and tablets. Having had an old computer I decided to get a laptop though them since it seemed an easy process to do. To sum it up. I got the laptop. Payments are automatically ( required ) to be taken out on your paydays per their stipulations. My pay days were every other Tuesday, so they debited the XXXX dollars out of my account every other Tuesday. The problems started when I changed jobs. With the new job, my pay days are every other Friday instead of Tuesday. They kept taking my money out of my account every other Tuesday like those were still my pay days, which caused my account to be over drawn twice. I called them and told them this. They said they would make the changes in my account of my new pay days so the payments would go through on the correct days. The changes did n't happen and my account was overdrawn again. I called them again and told them this, which because of all this caused me to be behind XXXX payments to them because they were drawing the money out on the wrong days. I called them and told them the problem yet again. Spoke to two different representatives and set up a payment arrangement to be taken out of my account to catch me up the following Friday. The following day another major problem happened. I called again to ask another question about my account and when I verified my information ( my name and ssn ) they said that the info I gave them did n't match what was on file. ( mind you I had just spoken with and verified my information with two different customer service reps the day before ). Frustrated, I was told I had to call one of the local Speedycash stores and give them my information again and the customer service rep at the store had to the call customer service center and give them my information. This did n't make sense to have that level of incompetency happen that fast with my personal information. Once that was cleared up just in the last few weeks and the day of this writing they have been ( attempting ) to take money out of my account on days when I have n't authorized. The day of this writing, XXXX dollars was taken which caused my account to be overdrawn again and the same amount was tried last Friday, which caused me to be late on my car payment. The only thing I am left to do is to change the account # on my account information that they have so they wont be able to just go in my account Something needs to be down about this company and their shady business practices. They have lied to me when I have called and asked about how and when my payments go though my account, saying that its all up to a computer system and that they have no control over it. I was even told that payment arrangements are n't always honored because of this so called system. Any help would be greatly appreciated.
Product: Credit card or prepaid card

I applied for a Synchrony Carecredit account and was approved in XXXX of this year. I was told in all advertising and promotional materials I have received from the company that the card was accepted " at over 225,000 enrolled healthcare provider and health-focused retail locations across the country '' which why I applied for it. I just found out today, XX/XX/2020, that my card is only accepted at dental providers. I didn't know this, nor was I told this when applying for the card. This is also a complete contradiction of all promotional and advertising materials I have received and seen from the company. I am told I have to apply for another card that will function as advertised.
Product: Credit card or prepaid card

I purchased a XXXX ft ladder thru internet paying with credit card .I disputed charges, they state that they have tracking that item was delivered. I never received any tracking information nor did I received the XXXX ft ladder. 
I pray that you help with this case & refund money .transaction amount {$64.00} transaction date XX/XX/2021 resolution denied
Product: Credit reporting or other personal consumer reports

I am trying to dispute so many accounts that I havent never heard of. I been not using my credit and my credit has been getting used and I am getting punished for this as you see my credit is going up. Only thing I have that I apply for is XXXX  and I have XXXX in my account now I need someone to call me at my number XXXX because this is ridiculous and I am trying to buy a house and use my credit and now Im looking at things that I never even applied for even addresses that I dont even know
Product: Credit reporting or other personal consumer reports

Account number XXXX I am filing this complaint against Experian for failing to properly investigate a disputed debt on my credit report, despite multiple attempts on my part to resolve the matter. 

The debt in question remains on my report, even though I have provided sufficient evidence to demonstrate that it is inaccurate and should be removed. Experian has not fulfilled its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a thorough and accurate investigation of my dispute.
Product: Debt collection

There is a debt on my credit report from a company who owned and rented an apartment to my ex boyfriend. I was only ever a roommate. I moved out of the apartment and for at least 4-5 months him and his wife were living there. Well the ended up being evicted and now the debt they owe is on my credit report. The manager knew I had moved and was no longer staying there.

It's over a 2400 $ debt that I had no knowledge of and was not living there to acquire.
Product: Money transfer, virtual currency, or money service

Venmo has frozen my account I do not owe them any money. I have a balance of {$130.00}. XXXX in my venmo Account. When I call customer service they do Nothing But tell me that I will need to talk to the specialist team to unlock my account. The only way to communicate is through email. The Specialist team has not gotten back in touch with me its been over eight days and theyre holding my money. I have sent emails I have called. Nothing works but the tickets say solved. Nothing is solved because I still cant get my money
Product: Credit reporting or other personal consumer reports

They reported late payments and didn't follow law accordingly 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, XXXX Stat. 2998. )