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

Capital One is my bank. I use their bill pay and have had problems with them getting the monies to the payee in a timely fashion. I realize that some of the companies need to have checks written which is absurd in this day and age. The latest incident involved my bill pay to XXXX. The money was taken out of my account on XX/XX/XXXX but was not received by XXXX until XX/XX/XXXX. That is a total of 22 days that I did not have use of my money and XXXX was not paid. When I paid the bill I was given a confirmation that the bill/check was to be received by XXXX on XX/XX/XXXX. Needless to say the bill was past due by this point. 
Who had and where was my money during this time period? I feel that Capital One uses these delays in bill payments to balance their books and meet their cash reserves. This is done at a detriment to their clients and is an unfair practice.
Product: Debt collection

There is a company attempting to collect a debt from me, but they keep changing the dates as to when the debt was opened in an attempt to never have the debt removed from my credit report. They will pull the debt from my credit and then replace it with a new date that it was opened!
Product: Student loan

I am part of the public service loan forgiveness program since XXXX. My loans are through fedloan servicing. In XXXX my loans went into forbearance which I never requested. I immediately called fedloan serevicing and stated that I did not want my loans in forbearance since I need 120 qualifying payments to be eligible for forgiveness. They apologized for the error and my monthly withdraw went right back into effect. I thought everything was fine since I continued to make my payments. When I filed my yearly PSLF form as they suggest you do, it had zero elegible payments from XX/XX/XXXX - XX/XX/XXXX, almost an entire year of payments. I call inmmediately and ask why these aren't eligible. They state that it was because I was in forbearance during that time. I explained that I never requested the forbearance and I had them remove it and then continued making my payments. I did not miss a single payment due to this " forberance ''. They stated they would send this back for review. It has now been over 3 years and I am still fighting for these payments. I have emailed and called dozens of times at this point and I always get the same response - " we will look into it. '' This is putting me almost a year behind getting my loans forgiven. I am extremely frustrated and I am not sure what my options are. I feel like the PSLF program was designed to fail and I may never reach forgiveness even though I has always made my minumum payments and fill out my eligibility forms yearly.
Product: Mortgage

Hello, my name is XXXX XXXX. 
Our house got hit by the XX/XX/XXXX tornado in XXXX. 
Since then we have been living in a hotel. 
Our insurance company sent us the check to start repairs back in XXXX. 

Since then we have sent the check to our mortgage company ( shellpoint mortgage ) based in XXXX  and XXXX. 


They have yet to release our check to us to start repairs. We have contacted them almost every week trying to get answers. I personally have called, my wife has called them, my contractor and even insurance adjuster has even contacted them. 
Every single XXXX of us has gotten a different answer. 
Once being told your check has been mailed out and you will receive it in XXXX buisness days. Well that was back in the beginning of XXXX. 


Then we were told we didnt sent the required documents even though my contractor has proof that he sent everything that had required. 
As of today the XXXX of XXXX we still have not received our check and still keep getting the run around as to why. 

Its getting extremely infuriating and stressful. We bought the house in XXXX of XXXX  and had only lived in it till XXXX XXXX. Since then we have lived in a hotel longer than we have our own house we purchased just months ago. 
Also, paying our $ XXXX mortgage for a house we cant even safely live in is very saddening and even more stressful. 
My wife and I would love for the in your corner team to see if anything can be done about it. 
Thank you for taking the time to read this and we hope to hear something.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research about these items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXX  XXXX Balance : {$6400.00}, XXXX XXXX  XX/XX/2022, XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you cease all communication with me regarding the debt you are attempting to collect. Pursuant to 15 U.S.C. 1692c ( c ), I hereby request that you immediately stop all communications with me concerning this debt, including any communication through credit reporting. Under the Fair Debt Collection Practices Act ( FDCPA ), once a consumer requests in writing that a debt collector cease communication, the debt collector must stop all communications, except for the following exceptions : To inform the consumer that the debt collectors efforts to collect the debt have been terminated ; To notify the consumer that the debt collector or creditor may invoke specified remedies that are ordinarily invoked by them ; To notify the consumer that the debt collector or creditor intends to invoke a specified remedy. This requirement was reinforced in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX 2010 ), where the court emphasized that debt XXXX must adhere to a consumers request to cease communication under 15 U.S.C. 1692c ( c ). Additionally, any reporting of this debt to credit reporting agencies after this notice will also be considered a violation of the FDCPA. Any further communication from your office regarding this debt, including through credit reporting, will be considered a violation of the FDCPA, and I will pursue appropriate legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Debt collection

To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws. 

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.
Product: Credit reporting, credit repair services, 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 XXXXXXXX Balance : {$180.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus, especially XXXX  and they have tried to use stall tactics to avoid blocking fraudulent information. They continue to violate federal law under Title 15 USC ( see attached documentation ) and report both fraudulent and inaccurate information. 

Equifax and XXXX  have not replied to me as of yet however, the fact remains that each of these credit bureaus knowingly publish consumer reports without ever have permission from the consumer which is an infringement upon a consumer 's right to privacy and the fact that they knowingly publish information without consent and then share this information, often times inaccurate, is willful non-compliance and violation of federal laws under Title 15 USC, Chapter 41. Multiple violations.
Product: Debt collection

Portfolio Recovery associates, junk debt collector trying to collect on a debt that was discharged in bankruptcy in 2005.

Calls repeatedly numerous times of the day. Have explained the debt was discharged in bankruptcy and asked them to stop calling. They hang up on me and begin to call the next day.
Product: Credit reporting or other personal consumer reports

Im asking for a home ins policy declaration page for XX/XX/XXXXXXXX  to XX/XX/XXXX. 

You reported an escrow debt on my credit reports. You included a home ins policy in that debt publication. 


Prove it!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX # XXXX If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in- curring an additional finance charge, such addi- tional 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.
Product: Money transfer, virtual currency, or money service

I am filing against Cash App due to inadequate customer service and unjust practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent 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: Money transfer, virtual currency, or money service

I was scammed on Website called XXXX, the site was suddenly taken down or frozen around XX/XX/XXXX, or XX/XX/2020 for the amount below. 
XX/XX/2020 for {$790.00} XX/XX/2020 for {$3500.00} XX/XX/2020 for {$2700.00} XX/XX/2020 for {$1100.00} XX/XX/2020 for {$3200.00} I have filed a police report and contacted my bank, XXXX  XXXX XXXX, but of course bank cant do anything to to help me, because this is through a third party which is coinbase, www.crypto.com. Im hoping that coinbase will be able to stop all transaction when I found out that this was a scam but they said they cant because my payment was already sent out they arent able to help. Im very upset that this happen to me during the Worst pandemic time, Im hoping someone out there that can help retrieve my fund. Almost feeling like did I make the wrong choice to invest?
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts I have made to correct the issue of a late open account associated with my XXXX XXXX  Balance : {$240.00}. 

During each interaction, I have provided all the necessary documentation and information requested, yet the issue remains unresolved. 

The persistent presence of the late open account on my records has had a significant impact on my financial standing and has caused undue stress and inconvenience. I have made consistent efforts to rectify this situation, expecting a timely and accurate resolution, but unfortunately, my attempts have been in vain. 

I am formally requesting the following actions be taken promptly : An immediate correction of the late open account on my records to accurately reflect the correct open date. 
A thorough investigation into the reasons for the repeated failures to correct this issue in previous attempts. 
A written confirmation of the resolution, including the corrected open date. 
An apology for the ongoing inconvenience and frustration caused by the unresolved late open account. 
I understand that administrative errors can occur, but the repeated failure to address this matter is both disheartening and concerning. Timely correction of inaccuracies is essential to maintaining the integrity of financial records and ensuring fair and accurate reporting. 

Failure to address this matter within the exact time frame from the date of this letter may necessitate further action on my part, including seeking assistance from relevant regulatory bodies or consumer protection agencies. 

I trust that your institution recognizes the importance of resolving this issue promptly and accurately. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX : {$240.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and noticed some discrepancies. I immediately contacted the companies involved. On XX/XX/2021 I requested validation of the debt letter. This item showed up on my credit report and does not belong to me. I am disputing with your company & credit bureau. I asked them to either fully provide proof of and validate the debt or remove it from my credit file. My information was compromised and there are inaccurate accounts on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my dispute letter to TransUnion on XX/XX/20.I attached it to this complaint I has been well over 60 days and I have not received any response about the negative finding on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, AZ XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Vehicle loan or lease

I am disputing a {$330.00} charge from Hyundai Motor Finance related to an alleged traffic or parking violation from XXXX and XX/XX/XXXX. 

I was never notified by either the issuing municipality or Hyundai about this violation until it appeared on my XX/XX/XXXX finance statement. There was no citation issued directly to me, and my driving history does not show any record of such violations. 

Moreover, this charge includes a late fee, even though I was never informed about the original fine in the first place. I only became aware of the issue after receiving persistent phone calls from Hyundai in XX/XX/XXXX. 

I called Hyundai and spoke with six different agents. I requested documentation and agreed to resolve the matter fairly once proof was provided. However, I have not received adequate documentation or a reasonable explanation regarding this charge or the late fee. 

I believe this charge is improper and was applied without due notice or an opportunity to dispute the original violation. I request the CFPB to investigate this matter and help resolve the issue.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : The Home Depot Credit Card, {$360.00}. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is reporting accounts on my credit report. Accounts I never opened with them and never gave them any permission. I have never had or opened ANY AmericanExpress cards in my entire life. These accounts should have never been added to my credit report in any shape or form.
On top of this they are showing many accounts as a duplicate. For example, they are showing one of the cards 4 times in a duplicate fashion.
This is preventing me from getting loans that are very sensitive to number of opened accounts in the last 10 months, and AmericanExpress is showing more than 7!
Product: Vehicle loan or lease

P and C Bank is showing that I was late on my payments the last of which was in 2020.
Product: Credit reporting or other personal consumer reports

Company provided false information to my credit report. I have been a victim of identity theft and request account be removed from credit report per the Fair Debt Collection Act ( FDCPA ) and FCRA laws.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate public record information numerous times. The dispute entity name is abbreviated, the street address is misspelled and inaccurate and XXXX XXXX has reported to the credit reporting agencies that the public record information investigated by XXXX is UNVERIFIABLE. 

The credit reporting agencies have not deleted disputed information and are in violation of the FCRA.
Product: Debt collection

This company has been scamming multiple people, all you have to do is XXXX Consumer Adjustment Co and read the reviews. They have made my first time home buying process a nightmare with their scamming lies. They are claiming that I owe the thousands of dollars that are identical to one another that appeared out of thin air. I need them to be held accountable to what they are doing to hard working people.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRY REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX Date of inquiry XX/XX/XXXX TransUnion RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.