23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CBSA,XXXX Original Creditor XXXX XXXX Open Date XX/XX/2014 Balance {$2500.00} Debt {$2500.00} I called them to let them know that I didn't owe that. I was told by the realtor that I didn't have to pay at fees to break my lease cause my neighbor gave me bedbugs. I have a XXXX son who couldn't afford to get bit because he is high risk ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years.

15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Vehicle loan or lease

I paid of My Car With Nissan Motor acceptance.. 
And they repo my car,, saying I had XXXX plus ok late fees
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 financial loss, and I seek appropriate redressed hope these violations My cash app was hacked and stolen $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a letter to Transunion in XX/XX/2022, stating that : XXXX XXXX XXXX is reporting untrue information on my credit report. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIANCE regulations. 

I got Investigations Results that did not address or fix the issue that I sent to them. 

I called them on XXXX and spoke to XXXX then XXXX XXXX who hung up on me once I told him what happened. I called back and spoke to XXXX who told me If I dont agree then I can do a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Covid lockdown XXXXXXXX XXXX XXXX has marked payments as late and shown my account default I want this removed due to finical hardships from covid 19.
Product: Credit reporting or other personal consumer reports

Permission was given to US Dept of ED to pull credit for credit worthiness. Instead they transferred it to an alleged Servicer by permissible purpose, which can not be transferred from one entity to another entity. Also, it does not have any contractual agreements. Just recently changed with added different dates and different amounts that does not align. Lacking the ability to obtain credit.

US Dept of ED is to extend a line of credit. XXXX knowingly without a permissible purpose is called identity theft. Any legitimate business is not a reason to constitute permissible purpose.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$800.00} ; XXXX  XXXX XXXX Balance Owed : {$490.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2100.00}.
Product: Money transfer, virtual currency, or money service

I've used Coinbase for some time now, and all of a sudden after I transfer {$1300.00} to my Coinbase account, it gets disabled " temporarily ''. I immediately called their support phone number, but that does nothing as it's a robot the whole time. Contacted email support, messaged them on XXXX, and even wrote a reply on XXXX, and didn't get a single word back or explanation. After searching through XXXX, it shows this has happened to other people. So at this time, my account just sits with $ XXXX in it that was MY OWN money that I sent to Coinbase XXXX It's not theirs, and never was. I'm just wanting to move my funds elsewhere now, and close my Coinbase account. This is not fair how they treat paying and loyal customers.
Product: Checking or savings account

Citizens Bank charged me {$160.00} in fees for a {$16.00} overdraft. 

On XX/XX/XXXX, I was billed {$39.00} for my phone bill at which point I had {$23.00} in my bank account. That lead to an overdraft of {$16.00}. 
The next day, I was charged a {$37.00} overdraft fee. And every 4 to 5 days following that, I was charged {$30.00} ( I was charged 3 times ). On XX/XX/XXXX, I was charged {$35.00}. 
The total of all the fees added up to {$160.00}. 

I had no knowledge that these fees were piling up as I was never notified through email/text/phone. The only way I would've known was if I had logged on to my account, or until I received a final notice on XX/XX/XXXX in my mail that they were going to shut down my account and notify the creditors, threatening that " this will have a negative impact on your future banking privileges '' unless I paid the overdue amount. 

On XX/XX/XXXX ( the day before I received my " final notice '' ), I had luckily logged on and that's when I noticed I had accidentally billed the wrong bank account and that I had a ridiculous amount of overdraft fees. I immediately called and asked them to waive the fees. The service rep told me that they will provide a one-time waiver, but it was only {$70.00}. I was still down {$90.00} on my {$16.00} overdraft, so I kept asking to waive the entire fee and talked to multiple reps, but they were adamant that the system would only refund once.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Refusal to Update Personal Information Dear CFPB, I am filing a formal complaint against Equifax for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/2024 Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/2024, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Student loan

I signed and agreed to be on a repayment plan with Navient. We went over all the amounts and what the payment amounts were going to be. I was paying for several months and then I got an alert about negative reporting on my credit bureau. 
Furthermore, I was making the payments every month for the amount we agreed upon which was XXXX per month. I continued to pay this and they were reporting all of my student loan accounts as 90+ days delinquent. This caused my credit score to drop to XXXX. I had credit cards closed and credit limits lowered because of this. My wife and I were in the process of trying to purchase our first house but this has put a hault on our plans. The payment plan started on XXXX XXXX XXXX. I contacted Navient about this situation on XXXX/XXXX/XXXX and had to speak with the collection department. They informed me that it was my responsability to make sure everything was up to date. I advised her that I was under the impression that I was on a payment plan and Navient was automatically taking the money out of my account each month. Not once did they contact me and say that the payment terms that I agreed to were not correct and that my accounts were past due. Navient continued to take my payments each month and still report my accounts past due to the credit bureau. I do not feel this is right because I agreed to a payment amount and set up automatic payments and I was still being reported as past due and I would not have known unless I got an alert about my credit. 
Navient called me on XXXX/XXXX/XXXX and left a voicemail on my phone which I have saved. The Navient representatives 's name was XXXX and he was from the office of credit collections department. He admitted that Navient made a Mistake and that they were working on fixing the promlem. The problem has not been fixed since then and I have not recieved another phone call from them to update me about this situation. This situation put me in a bad position and was one of the determining factors that made me decide to file bankruptcy because Navient had such a negative impact on my credit that I would not have been able to get everything back on track. I hate that this happened and just want to see what my options are because the majority of my student loans are with Navient and they ruined my credit after I worked so hard to get it to an acceptable level. I have also been being charged for late fees from over a year ago and I always set up payments with Navient. So this is starting to get ridiculous.
Product: Debt collection

XX/XX/XXXX - A letter was written by XXXX XXXX to AMERICAN EXPRESS ' XXXX XXXX Tx address, demanding verification of debt. 
XX/XX/XXXX - A letter was written by XXXX XXXX to XXXX XXXX XXXX XXXX XXXX demanding validation of the debt, verification of their claim, copy of the contract signed by myself and Amex, the original note, confirmation of the name of individual duly authorized to carry out due diligence under the Money Laundering Regulations XXXX & copies of current licenses and permits, allowing XXXX XXXX to collect a debt for a 3rd party. 

All of which was ignored. 

On XX/XX/XXXX - A summary judgment against me was signed by the Honorable XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX. 

I audited the account and according to the XXXX XXXX, AMERICAN EXPRESS NATIONAL BANK is a servicer and Master Servicer and does NOT hold a secured interest in the matter. XXXX XXXX XXXX XXXX XXXX XXXX is named, Trustee. AMERICAN EXPRESS sold and securitized account XXXX XXXX XXXX ( XXXX CC XXXX ). ( Please see pg XXXX for Transaction Details and pg XXXX of Sec XXXX : SECURITIZATION PARTICIPANTS, pg XXXX : Assignment of Receivables and pg XXXX describing " Trustee  '' as The XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Rule XXXX summary judgment defense : civil code section XXXX states as follows : " Actual fraud, within the meaning of this chapter, consists in any of the following acts, committed by a party to the contract, or with his connivance, with intent to deceive another party thereto, or to induce him to enter into the contract : 1. The suggestion, as a fact, of that which is not true, by one who does not believe it to be true ; 2. The positive assertion, in a manner not warranted by the information of the person making it, of that which is not true, though he believes it to be true ; 3. The suppression of that which is true, by one having knowledge or belief of the fact ; 4. A promise made without any intention of performing it ; or, 5. Any other act fitted to deceive. '' The account has been entered into AMERICAN EXPRESS CREDIT ACCOUNT XXXX XXXX ( XXXX XXXX ) with a balance of {>= $1,000,000} XXXX # XXXX. The first payment date for XXXX XXXX is XX/XX/XXXX to Certificateholders generated from the securitized Receivables for the subject credit card account ( s ). Series XXXX security had a maturity date of XX/XX/XXXX. Cardmember Receivables has been converted into a stock as a permanent fixture. I will attach the report.
Product: Payday loan, title loan, or personal loan

Attempted to switch account after closing original bank account used. Account never switched over and missed payments started to occur. Attempted to reach company a second time after getting calls from references about being contacted. I requested them to stop calling them at this time. And requested for payments to be automatic once again after making a payment to bring account current. Again, received a call from a family member about being contacted when reached out to company again, this time fees were up to about {$300.00}, {$85.00} is one regular payment and requested to speak to a manager. Manager gets on line and starts throwing jargon at me, referring to the loan 's amortization table and trying to explain the fees added, when in reality fees would have been avoided if taken out of proper account.
Product: Credit card or prepaid card

I called Bank of America card services to pay a balance of over {$25000.00} on XX/XX/2020. I provided the correct routing and account numbers to the representative named XXXX, located in Virginia, to satisfy not only the balance, but the expected interest that will be billed in XX/XX/2020. The payment did not process from my bank account as expected. I called Bank of America on XX/XX/2020 and spoke to XXXX about this issue. I was reassured that no negative impact would affect my account as this was a bank error. I have now been charged a {$28.00} fee for the returned payment due to Bank of America 's error. So far, BofA has not credited my account for this fee or removed the returned payment history from my account. This is absolutely no fault of my own. At this point I want the errors corrected, and additionally, I no longer want to be charged the anticipated residual interest due to the fact that I have been MATERIALLY IMPACTED, and my time has been wasted in trying to resolve this. I also want further compensation, to the effect of no less than {$5000.00}, for the time and stress which I have incurred due to Bank of America 's blatant incompetence in being able to service my account needs accurately. Without a satisfactory, and timely, response, I will pursue further legal recourse.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a late payments on my credit report. Upon reviewing my credit file, I identified late payment entries... 

Account name XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I believe this information is inaccurate and should be corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1666 ( b ) regarding billing errors, consumers have the right to dispute inaccuracies in their credit files. As recently outlined in the XX/XX/XXXX lawsuit filed by the XXXX, Experian has been accused of violating the FCRA by failing to properly conduct reinvestigations of disputed information, failing to delete inaccurate data, and failing to prevent the reinsertion of previously deleted information, among other allegations. 

In light of these serious allegations, I am requesting that you reinvestigate this matter thoroughly and remove the inaccurate late payment entry from my credit report. The account status should read 'Paid in Full, Never Late. ' Please provide me with the results of your investigation, as well as any documentation you relied upon in verifying the accuracy of the disputed information.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I hope you are well. 
On multiple occasions i have contacted the credit reporting company and have stated the errors and inaccurate information that is standing on my report. I have given documented proof from the original entities, which I will forward here, that they have not and do not report such information. 

I have requested this to be removed from my report as is my right and still have not been regarded. 

Dates that this matter has been raised and tried to resolve. 

XX/XX/year> - Submission of personal audit XX/XX/year> - Dispute / Inaccurate XX/XX/year> - Proof of live person XX/XX/year> - Proof of non reporting data XX/XX/year> - Further proof of court signed non reporting XX/XX/year> - Notice to remove or complaint to be filed XX/XX/year> - Removal demand XX/XX/year> - CFPB complaint
Product: Debt collection

They trying to collect a debt from XXXX XXXX that I never had.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX debt collection company has not removed a collection that in agreement to be paid would be deleted. The account number is XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Report, I identified discrepancies regarding late payments reported on accounts where I have consistently maintained on-time payments. I rely on Consumer Reporting Agencies to ensure the accuracy of my financial history, as it reflects my commitment to responsibly managing my obligations. 

The accounts in question are as follows : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number:XXXX XXXX  Account Number : XXXX I respectfully request a detailed investigation into these discrepancies. If there is evidence to substantiate the reported lateness, such as account statements, I kindly ask that it be provided. However, if no such evidence exists, I demand these accounts be updated immediately to accurately reflect my consistent, on-time payment history. I've reached out to the Creditors and the Bureaus to have these payments updated and removed but nothing has changed.
Product: Debt collection

I have multiple Hard Inquiries on my credit I did not do nor have any knowledge about. They on on both Equifax and XXXX. Some just say factual data and others are doubled. 14 in total that was not me nor do I have any recall on doing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to instate a credit freeze with XXXX, Experian, and XXXX. All attempts failed beginning at XXXX PST. It looks like I will have to either call in the middle of the night, or do this by mail. 

Why do I have to pay {$10.00} to anyone to freeze my credit, when it was the negligence of the companies as well as lax data security policies that put 140,000,000 US citizens at risk of identity theft? 

The fact that it is n't easier to secure my identity in this situation is frustrating and infuriating. This process should be almost automatic, not reactionary. 

I want companies like XXXX, XXXX, and XXXX to have to ASK my permission to use my identity information.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. code 1681 i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer reporting agency shall ( 1 ) promptly delete that item of information from the results of the investigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

{$24.00} XX/XX/year> Illegal charge on card that was never used with this company. 
Elan Financial Services ( which manages multiple debit cards ) hung up on me when I tried to dispute it.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024, I wrote to Equifax, XXXX and XXXX to dispute inaccurate information on my credit report. Equifax, XXXX and XXXX failed to investigate and provide investigation results for the following accounts within 30 days as allotted by law : XXXX. XXXX XXXX XXXX XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX XXXX XXXX, missing data : XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX, missing data : XXXX. XXXX  XXXX XXXX  XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX XXXX. XXXX Inaccurate Reporting, missing data According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information contained in consumer reports. The inaccurate information related to the above referenced accounts violates this standard of accuracy. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when disputed information is found to be inaccurate or can not be verified, the credit bureau must delete or modify the incorrect information.