23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Capital One took 2 additional debts out of my checking account without my authorization on XX/XX/2018. One for {$100.00} and another for $ XXXX.This Iinturn caused my checking to go in the negative. When I called the rep was telling me I made them on my app, I told them I did not and they basically said their was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts that did not belong to me and accounts that were never late. 

There are also two accounts listed below that are reporting late payment history which is incorrect as these accounts have never been late. I need these three accounts listed under ACCOUNTS TO BE AMENDED to never late.

I need these three accounts listed under ACCOUNTS TO BE DELETED to be deleted. 

I have a real estate transaction worth {$250000.00} investment property being held up in escrow due to these negative accounts being reported on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit act XXXX XXXX XXXX account number XXXX, XXXX account # XXXX, XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A section 2 : A consumer reporting agency can not furnish an account without my written permission.
Product: Mortgage

XX/XX/XXXX SPS sent the Repayment plan to me with a XX/XX/2019 1st payment due day XX/XX/XXXX I made the 1st payment through XXXX XXXX, as they instructed XX/XX/XXXX I received the letter saying Repayment program was withdrawn because 1st payment was not received XX/XX/XXXX I sent an appeal to the withdraw and NOE SPS tells me they do not an answer to my appeal and are continuing with the foreclosure sale, which is dual-tracking They explained they will have answer on XX/XX/XXXX, which the Saturday before the sale. The sale is to take place on XX/XX/XXXX, that will lessen my legal opportunities once they reach a decision to my appeal,
Product: Consumer Loan

On XXXX XXXX I requested a 10 day pay off letter from credit acceptance so I can refinance our car. At that time the payoff amt was XXXX, it expired. Today I call for a new letter now the payoff amt is XXXX. How can the payoff amt go up when a payment was made in XXXX 2017 XXXX???
Product: Debt collection

I see that on my credit report I have a collection accout for {$1800.00} for XXXX XXXX XXXX in which I dont owe a debt to a XXXX XXXX XXXX I have received no correspondece I reported this to the credit burea as a result the open collection is now closed but closed with a balance of {$1800.00} I have never had a creditor on my credit with the name XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax will not remove XXXX charge offs accounts from XXXXXXXX XXXX ending in XXXX and XXXX on my account that are over XXXX XXXX XXXX! 

XXXX removed them a month ago after successfully disputing and XXXX automatically removed them in XXXX. 

My credit score with Equifax is about XXXX points lower than with the other reputable credit bureaus XXXX and XXXX at XXXX and XXXX respectively. 

XXXX bank keeps reporting new charge offs on XXXX accounts that were first reported late in XX/XX/2017. They changed the date to XX/XX/2017 on the reports, however that still makes these accounts over XXXX XXXX XXXX. 

I do not want to be forced to take legal action! 

Attached is a screenshot of the same charge offs that were removed by XXXX on XX/XX/XXXX.
Product: Checking or savings account

I deposited {$3700.00} cash into my account but upon. getting the receipt and balance, that did not reflect what my account says. Instead only reposting {$700.00} in my account. This is the second time ive had issues with citizens and im not waiting two weeks to get access to my money especially when I deposited cash.
Product: Checking or savings account

I recently got out the hospital to find a charge from carnival cruise for {$830.00} on XX/XX/year> I contacted my financial institution and they stated to reach out to the merchant to resolve first. I've called your customer service line and that was no help. 

The agent was NOT able to find any booking under my name, however, stated my card was attached to a booking. She would not provide any further information. 

I have not authorized anyone to use my card and no one should have had access for this fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Disputing paid collection error [ s ] on credit report Dear CFPB Contact, I am writing to request several items be removed that are appearing on my credit reports from [ XXXX, XXXX, TransUnion ]. Please see below disputes ( 1-5 ), as I have paid the debts off. Also reflected in the attached report ( highlighted green items for easy reference ). I have reached out to the creditors on several occasions to again request/remind them to remove items from the reports as they have confirmed receipt of payment. These items are impacting/hurting my overall credit score causing difficulty when applying for credit. 

Company Name and Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your time is appreciated in advance. 


Enclosure/Attachment Copy of Credit Report Sincerely, XXXX XXXX XXXX
Product: Credit card

I had a large balance on my credit card, {$20000.00} + but I paid it in full on XX/XX/year> prior to the end of my billing cycle but I was still charged {$230.00} in interest. Copy of my currect statement is attached showing payment dates and amounts.
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 TransUnion 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 XXXX XXXX XXXX XXXXXXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion 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 : The reported late payment was due to an unexpected technical issue with the automatic payment system that was set up for this account. Although the funds were available in my account, the automatic payment did not process as scheduled, resulting in a slight delay. Once I became aware of the issue, I immediately made the payment, which was only a few days late. This situation was beyond my control, and I believe it should not have been reported as a late payment. 

Evidence provided : Bank statement showing sufficient funds on the due date. 
Confirmation from XXXX acknowledging the issue with the automatic payment and the prompt payment that was made immediately afterward. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$260.00} {$260.00} {$300.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 90 Days Late 60 Days Late 30 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
**CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Closed or paid account/zero balance Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Experian XXXX XXXX OK OK XXXX OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall 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 Shall be removed from the consumers report 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 federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Student loan

Hello, I am trying to certify my public service for loan forgiveness. I work for my Town XXXX XXXX in Colorado Since XX/XX/XXXX. I have applied XXXX, XXXX and XX/XX/XXXX, three times and got three denial letters. I have called in XXXX and XX/XX/XXXX and the customer service says they emailed the request to their supervisor. Nothing. 
Help me please. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Transunion about an hard inquiry that was placed on my consumer report that is not mine. This inquiry was placed on my consumer report while having a fraud alert on my file. The dispute letter was sent certified mail on XXXX XXXX, 2023 and was delivered and signed on XXXX XXXX, 2023 and it's been 33 days since its been received and I still have this item on my consumer report. 

I will attach the proof
Product: Credit reporting or other personal consumer reports

I saw that there are accounts that doesnt belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXXXXXX 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. 15 U.S.C 1681 Section 611 Section 5 ( A ) ( i ) states any information disputed by a consumer that can not be verified or found inaccurate will be promptly deleted. The balance reported is inaccurate the original amount is {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, a credit reporting bureau responsible for tracking and maintaining the credit score that allows me to function properly as an American citizen, failed to take adequate security precautions or implement adequate security measures to protect my Personally Identifiable Information ( PII ).
Specifically, due to their own negligence and substantial information security failures, Equifax caused my most sensitive PII ( SSN, Name, Birth Date, Addresses, Driver 's License Number, etc. ) to fall into the hands of an unknown and demonstrably malicious agency.
This is evidenced by Equifax 's own website ( http : //www.equifaxsecurity2017.com/ ), which contains their response and actions taken. I find those actions to be wholly inadequate, given that my PII will be critical for the rest of my life, and is now and forever more will be readily available to external malicious actors.
Product: Student loan

Prior to the date of XXXX XXXX, XXXX, myself and Navient came to an agreement for all of my loans for a monthly payment in order to avoid any of them going into delinquency. Prior to this call I had attempted to make numerous payments to them which went on for months with which they would not accept. They stated for me to wait for the documents in the mail that I would need to sign off on them and then send them back in order to finalize our agreement. I waited for the documents and then when I did not receive them I called the company to reassure that they had sent them out. The representative stated that they do not send documents in the mail and that the account is now in delinquency status and that I was late on a payment following our agreement. I then stated that the previous amounts had been agreed to be forgiven and that they were going to start from scratch with me beginning in XXXX, but that I was supposed to be receiving the documents. I never received the documents and they stated that not all loans are going to be brought out of delinquency status. I stated that I was in school getting my XXXX XXXX XXXX and that I had been accepted into the doctoral program and I asked if they defer me further. I asked for a full investigation into this matter and for all phone calls that I have ever had with Navient to be fully investigated. They then stated that they went back to several dates and that they had determined that they agreed on a fixed amount per month for one loan, but not all loans, and that they had not stated that they were willing to start from scratch with me in order for me to be able to make payments based on what I had experienced with them in terms of trying to make payments and them stating that they would not accept it. One stated to me that they would not tell their employees to say that they would not accept a payment. They stated that I had some how used up my deferment status. I feel like one person against those that run this business that have incredibly deep pockets and that they are taking advantage of the fact that they have the ability to not have to live up to par with the law. Lastly, I received a call from them for a payment and it turned out that my father stated that he had a payment and they too had stated that they had not received a payment and my father was correct that he had paid on my behalf.
Product: Credit reporting or other personal consumer reports

I have received a letter from XXXX dated XX/XX/year>, in response to my dispute letter sent on XX/XX/year>, about my account. However, they have not adequately addressed the serious violations of the Fair Credit Reporting Act ( FCRA ) and other regulations that I mentioned in my original letter. Let me reiterate and expand on the key points : 1. Request for Validation and Specific Proof : In my previous correspondence, I specifically requested evidence in accordance with 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ) that validates the accuracy of the negative reports issued to the credit agencies.

2. Lack of Evidence in their Response : their letter does not provide adequate documentation to support.

In their letter they also declined to provide the requested proof that I'm asking by Law
Product: Debt collection

XXXX XXXX XXXX And XXXX are in direct violation of the FTC and Cfpb regulations. They are knowing reporting inaccurate information to my XXXX Credit report and are also in violation of USC 15 Section 1681. I am requesting validation of this debt that they say I owe and verification that they have the legal grounds to collect this debt. I also never received written notice of this debt and I am asking that they provide proof of my signature as receiving any certified mail as it pertains to this wrongful collection. If the previous items can not be provided, I ask that this account be removed from my credit report immediately or I will request the maximum {$1000.00} per violation.
Product: Money transfer, virtual currency, or money service

Someone was able to receive an unauthorized transfer from my bank account via Zelle. I did not authorize this transaction. I called the bank to report the issue, they stated they would investigate. I had to change all my banking information including my account number. This was a major inconvenience and they then advised they were unable to help me. Ive discovered people can access your accounts without any additional securities. I feel that zelle did not protect me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled several accounts that was sent to collection. I informed these creditors that my spouse open this account without my knowing however, I was willing to settle with them if they can remove and delete derogatory records from my credit report. They said yes and promised to send me a letter in the mail. The letter never came in the mail and my settlement payments were made. I hope to start XXXX school in XXXX months and need private loan to fund my education. Please I needs these derogatory records from my credit report in good faith. I completely paid the amount they agreed on and I was looking forward for a second chance.
Product: Credit reporting or other personal consumer reports

EQUIFAX FAILED TO PERFORM A INVESTIGATION ON XXXX ACCOUNT ACCOUNT # XXXX OPENED XX/XX/XXXX. THIS IS A DUPLICATE ACCOUNT. THIS DUPLICATE IS REPORTING LATE PAYMENTS TWICE.XXXX ACCOUNT IS CLOSED I HAVE FILED A DISPUTE AND EQUIFAX HAS NOT FIXED THE PROBLEM. SEE ATTACH EQUIFAX INVESTIGATION RESULTS FROM XX/XX/XXXX DUPLICATE ON PAGE 31 AND PAGE 10. EQUIFAX DATA BREACH, CFPB COMPLAINT, XXXX XXXX XXXX COMPLAINT.
Product: Credit reporting or other personal consumer reports

XXXX # XXXX My historical information is inaccurate and incorrect. Please reflect as all payments paid on time. As this is effecting my history which impacts my credit score as im in the process of purchasing a home.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I applied for a personal loan through their website. I was approved after XXXX steps, and then I went to verify my bank account. Only after this step, it was revealed that there were points / Origination Fee that were not upfront. It was only until today, XX/XX/XXXX, that the Best Egg Loan Agreement and Promissory Note were sent over to me via email. 

This practice is deceitful.
Product: Credit reporting or other personal consumer reports

Reported incorrect addresses names and inquiries and haven't been fixed on XXXX XXXX, XXXX, Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige Finance has retaliated against me after my last CFPB complaint. I feel like i have been discriminated against have not been treated fairly. Previously, they provided incorrect information on my credit report stating that I was 30 days late XX/XX/2019. Well, after my last complaint with the CFPB, they have now added an additional 30 day late payment reporting for XX/XX/2019 reflecting that I'm 60 days late. 
I feel like I have been discriminated against even more after I filed a complaint. I have statements to support that I was not late for XX/XX/2019 nor XX/XX/2019 but they have added this to my credit file. Dropping my credit score down 16 points. I have asked if the XX/XX/2019 past due reporting could be deleted since the account is closed with a XXXX balance and was denied and a second late payment have been added. I intend to reach out to an attorney to see if I have any rights because this company has violated my consumer rights and I'm sure that they have broken many laws at this point. I have reached out to them on several different occasions and have been denied all rights that are fair and due to me. Please have someone who is interested in doing the right thing so that my credit report no longer suffers from their false and wrong doings.
Product: Debt collection

Portfolio recovery is the name, they call at all times of the day before legal operating hours, before XXXX, late at night. Its completely harassment for almost there years now. Ive disputed this debt with them. My next step is to file a complaint with the XXXX  This needs to be taken care of immediately. Its illegal what they are doing. Stay away from portfolio recovery and there harassment tactics.
Product: Money transfer, virtual currency, or money service

I am writing this to bring bring forth concerns about zelle in light of the recent lawsuit the cfpb has filed highlighting some concerns. I have used zelle for quite some time already and I've had issues I've reported with my bank and zelle none of which were adequately investigated. I was told after I've sent the amount of {$1900.00} that if sent to the wrong person there was nothing they could do. This was not something I was aware of because they failed to provide that information before approving the sent amount. When I tried to call to fix the issue or get a refund they said there was nothing they could do. This system leave people vulnerable to scams as well as shows the neglect this company has had in protecting its users. This lack of accountability and transparency leaves seeious concerns for the consumers.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I added XXXX $ to my Google play store credit. Google then decided to freeze my payment profile and not allow me to spend the money just added. After man emails and chats with Google they still refuse to let me spent my money I put on the account, exact balance {$56.00}