23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX and XXXX are in collusion, illegally stealing money transfers from their customers for absolutely no reason and stonewalling so that they can settle other accounts. Lying to customers and closing their accounts without authorization. 

Heres a series of events : I gained a design client client made a deposit payment through XXXX, who uses XXXX, and had no issues with the payment. ( Note : never had a problem in XXXX years! ) worked XXXX months on building the website for the client client pays remaining balance on XXXX I wait for funds to be processed through XXXX, which was taking an extended period of time I receive an email saying XXXX is closing my account and that the money that was supposed to be transferred to my account will be held XXXX  ) no explanation. 
I try repeatedly to understand what is going on ; e-mails requesting answers, as they have no phone number. 

I checked my XXXX and the account was active, and I checked XXXX under my email, and it showed the funds in process up to XX/XX/XXXX no closures or holds. I figured all of this was in error and I would get the funds on XX/XX/XXXX, but I kept getting emails requesting personal information from me. There was no clear response to explain why they chose to do all of this ( which I can attach ) and they were completely uninterested in providing transparency or clarity. 

I then received an email the afternoon of XX/XX/XXXX stating that XXXX is not releasing the payment until XX/XX/XXXX. No reason, no explanation basically illegally stole the money and is currently holding it XXXX which is unacceptable. 

I have done straight business through XXXX and XXXX for a couple of years XXXX issues. This unauthorized action without clear explanation to rectify the issue is not only out of line, it seems to be their standard business per XXXX and XXXX 

I sat on hold with XXXX for XXXX minutes to be told that I have to email and send them my bank statements? Why? No. Ive had all my information verified on my account for years through documents that they approved. I know I didnt do anything wrong or illegal, and neither did my client. This is TERRIBLE business by XXXX which again, has been noted online by many small businesses. I am so angry, frustrated and disappointed that companies like this can commit such unethical and unauthorized actions and brush their hands off. I pray that you can review and assist in this matter thank you.
Product: Student loan

Loans were issued through XXXX XXXX which were sold over to XXXX  to attend XXXX XXXX  which is now XXXX XXXX  XXXX. I attended from XXXX. This school is apart of the XXXXXXXX XXXX XXXXXXXX lawsuit. My interest rate went from 8 % to 15 % at the end of the year which I could not afford. Since I didn't think that private loans would have a chance of being forgiven, I refinanced them over to Earnest. Now XXXX has an application for private loan discharge and Earnest is saying I am not eligible to have these loans discharged since they were refinanced. The timing of this all is unfair because had I known, I would have never refinanced. I have been paying on these loans for over 10 years and have struggled to stay current. I only have an XXXX XXXX XXXX but still owe {$300000.00}. I don't even want to be refunded what I have paid. I just want these loans to go away. Please help.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found inaccurate, invalid accounts on my report
Product: Student loan

I requested to have the payments I made during Covid-19 refunded. They refunded my payments, however they refunded the Government over {$12000.00} back from Student Loan Repayment Program I was enrolled in with Ohio XXXX XXXX XXXX. On XX/XX/XXXX I called MOHELA to go over this and its over 1 month later and I havent gotten 1 update from them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment within Grace Period : The reported 30-day late payment is inaccurate because my records show that the payment was made on time, well within the creditors 15-day grace period. Therefore, reporting a 30-day late payment is incorrect.

Clerical Error : Upon review of my account, I identified a clerical error where a payment was incorrectly applied to a different due date, causing the late payment report. Documentation from my financial institution shows the payment was processed on time.

Evidence Provided : I have attached bank statements and transaction records confirming the timely payments, which prove that no late payment occurred. Additionally, the creditor failed to notify me of any delinquency, which is a required step before reporting a late payment.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 


Paid Account/Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Equifax Dispute Department , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX Fraudulent Inquiries to Be Removed : XXXX XXXXL - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Equifax to take immediate action to rectify the harm caused by this breach. 
I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Equifax to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC
Product: Credit reporting or other personal consumer reports

I am filing a complaint due to inaccurate information on my credit report, specifically to my account at XXXX XXXX XXXX with an account number of XXXX. This account is reporting inaccurate information such as payment history, date of last activity, payment status, etc. 

I am not even aware of why this account is in charge-off status. I have paid this account in full, and I don't have any financial obligations with them anymore. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I have reached out to the company several time I sent in a copy of my identity thief report this account is still being reported on my credit.
Product: Debt collection

Greetings I have NOT received the Documents from you, I REQUESTED ( PURCHASE AGREEMENT ) .You Failed to show PROOF OF Ownership. You Are STILL Reporting INACCURATE, Incorrect, Information on my Credit Report. 
I'm reporting you to the Attorney General, because you Purchased my PERSONAL INFORMATION, WITHOUT MY CONSENT.You are now in NON COMPLIANCE with the F.C.R.A Section 611 15 USC 1681 ( i ).
Product: Credit reporting or other personal consumer reports

under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need this item deleted from my report. I'm working on this all on my own XXXX. I saw some inquiries too 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. I have contacted my local police and the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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.

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

TransUnion is showing a late payment on my credit file for XXXX XXXX XXXX XXXX XXXX account # XXXX in XXXX of XXXX. Also TransUnion is showing a late payment for XXXX account # XXXX for XX/XX/XXXX after the account was reported closed. According to 15 U.S. Code 1666b.Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated unde

r 15U.S.C 1681 Section 602 A. Section I has the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : I
t also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account : XXXX XXXX XXXX
Product: Credit card

I had filed a dispute with Cashapp about a purchase that was not fulfilled and explained to them that the wrong item was sent to me, including a series of emails between me and the seller to which a replacement of the correct item would be sent to which I had not heard from them since then and this was since XX/XX/2023 ( the same day I received the incorrect item ). I had sent a follow up email to him two weeks after our exchanged emails to confirm if the promised corrected item would still be sent and he had pretty much ghosted me. I then took to cashapp in hopes to get my {$33.00} back from this person as it was not fair that they had sent me the wrong item only, promised to send me the correct one and that I could keep the wrong one sent, only to ghost and take my money. XX/XX/2023 Cashapp had denied my dispute saying the details I had provided shown that the purchase was not done in error to which I was confused because I sent an email showing the difference between what I purchased/what was received, THE SELLER AGREEING to send me the correct item, and a follow-up email only to be ghosted as I made this dispute in XXXX giving the seller more than enough time to correct their wrong doing. I do not agree with cashapps decision and feel that no one really looked into the case I had opened which was very unfair as I had more than enough good evidence provided and this isnt the first time cashapp has done something shady like this to me, I had another dispute over $ XXXX dollars to which was denied AGAIN with the amount of evidence provided. I XXXX  why this was happening and it looks like Im not the only one that cashapp is doing this to and was suggested to bring up the issue to CFPB.
Product: Debt collection

I understand that FCRA 605B mandates the removal of any incorrect accounts from my XXXX XXXX Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Product: Credit card or prepaid card

I am writing to file a formal complaint against Capital One regarding their unfair handling of a disputed transaction and their consumer-hostile fraud investigations, which are adversely affecting consumers like me. The incident in question occurred on XX/XX/2023, when I was charged three times for the same purchase by the vendor XXXX  while on vacation in XXXX. 

Upon noticing the discrepancy on my Capital One account, I immediately contacted their customer service to initiate a dispute for the unauthorized charges. After an initial investigation, Capital One credited my account for the disputed amount of {$60.00}. However, despite clear evidence supporting my claim, Capital One has unfairly declined to investigate further, asserting that the merchant provided information supporting the transactions. 

During my attempts to resolve the matter in person with the XXXX merchant, I discovered that the error was due to the employee 's mishandling of the transaction on their handheld card terminal. Despite my efforts, the employee expressed a lack of knowledge and inability to reverse the erroneous charges on the spot, which further validates the legitimacy of my dispute. 

Capital One 's refusal to continue the investigation and their insistence on reapplying the charge to my account without just cause has left me significantly disadvantaged as a consumer. The unfair treatment in this matter reflects poorly on their commitment to protecting their customers and resolving disputes in a fair and transparent manner. 

Furthermore, I must bring to your attention the issue of Capital One 's hyper conservative fraud investigations. While it is essential for financial institutions to maintain secure practices, their anti-consumer approach is harming consumers. Capital One 's measures have resulted in the denial of genuine disputes like mine, where there is clear evidence of an error made by the vendor. I provided detailed statements showing the vendor charged me XXXX XXXX  once, XXXX a second time and then XXXX XXXX  the third time. I highlighted and showed Capital how its evident the merchant submitted a second charge for the same purchase but missing a zero and then charged the difference when charging me XXXX XXXX. While this amount is not material in the grand scheme I'm worried Capital One is unfairly pushing these mistakes on consumers. Other credit card companies offer seamless dispute investigations, online document processes, and direct phone lines to discuss disputes ; instead Capital One purposefully chooses consumer-hostile methods which serve no purpose other than discouraging consumers from pursuing remedies further. I had to find time to find a working fax machine to dispute their initial decline notice. 

This hyper conservative approach not only leads to wrongful denials of legitimate claims but also creates a sense of frustration and helplessness for customers who expect their financial institution to protect their interests. It undermines the trust consumers place in their credit card company, and in turn, affects our financial well-being and peace of mind.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.