23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I signed up with Credit Repair on XX/XX/2020 because I had received notification by email that three late payments had been reported on my credit report. 
2. The day I signed up, I was also informed that XXXX XXXX XXXX also had reported late payments. I was surprised because my account with XXXX XXXX was an older account which I thought was closed. Credit Repair explained that they could easily fix these errors on my report. 
3. On XX/XX/2020, I called Credit Repair to check on progress and to cancel my account because I did not feel I needed them. I was offered a discount because of the Corona Virus, so I decided to stay with them for a while longer. 
4. I received a returned letter from the post office on Saturday XX/XX/2020. The letter was written to XXXX XXXX by someone using my name and social security number. The letter was a single sheet, requesting consideration for a loan but did not include any other information. I did not write the letter however the letter contained information from my credit report. This is scary. 
5. I have reached out to Credit Repair in order to cancel our account. I was advised by Credit Repair to contact Social Security, in addition to making this report.
Product: Checking or savings account

I contributed {$1500.00} through my payroll to Dependent Care Flexible spending account at Optum Financial. After my employment terminated on XX/XX/2023, I called Optum ( in XXXX and XXXX ) regarding how could I access these funds for my expenses. At that point my account stood cancelled and I was unable to file online claims. I was asked to file paper claims. 

I was not given in writing/email or told on phone any deadline associated with filing these claims. When I filed the claim in XXXX, Optum now tells me that there was a 90-day deadline after my employment ended and that they can no longer distribute the funds. The funds are still with Optum. They claim mail was sent, but I never received it. I have called Optum 5-6 times regarding this issue and each time I received conflicting information ( regarding the deadline and once was also told to go ahead and file the claim and it should be processed ). On our final call, it seemed they were interested in finding ways to pin the blame on me rather than owning up that they were unable to convey to me the deadline information. It is unfair that the money I contributed with my salary ( and is not a company benefit ) just flows back to Optum when I have valid claims.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  sent letter outside the deadline period of the 30 days to providing the promissory notes from XXXX University original signatures. The letter is post dated On XX/XX/XXXX and only provides promissory note from XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed information to the company they stated they havent received it been over 3 weeks there site does not work to upload and i cant access my own credit report
Product: Student loan

American education services wo n't take my XXXX recertification in which my payment is XXXX A month because I was late to recertify. They are going to default my loan because of two months of interest even though my payment was XXXX when I recertified. If I ca n't afford to pay I payments and just because I was late to recertify should I have to use the little remaining differment that I have left. The same loan servicer already made me use all my forbearance and told me that I was n't eligible for a deferment when the whole time I was in I would n't of been charged interest for that time if I would 've use that instead but since forbearance is the only one you can do over the phone in order to Fix a couple months of interested I should n't even be charged because my payment is still XXXX the whole time on an IBR they want me to send you a bunch of documentation and proof that I 'm on public assistance just so my loan does n't default.
Product: Credit card

We have here capital one representatives that ca n't do a simple job correctly period. They misinformed me over getting cash instead of making purchases for an extreme emergency situation. These people over at the phillipeens need to be instructed correctly and listen period.
Product: Checking or savings account

Chime bank locked my account and took all my money I was getting my XXXX XXXX  and paycheck there in XXXX  and Ive been trying to get my money back for the longest and all they do is ignore me Im on XXXX XXXX and everything and after that day it messed my life up
Product: Credit card or prepaid card

XXXX Complaint Case XXXX Summary of Complaint : XXXX refused to refund a charge after the host had agreed to cancel the reservation and XXXX admitted there was a system glitch. After filing a dispute with our credit card issuer, Bank of America ( BofA ), and following their dispute resolution procedures including responding to the subsequent letter asking of additional information which we submitted on XX/XX/XXXX to the XXXX XXXX XXXX, in XXXX XXXX TX, BofA still declined our claim for not receiving our letter and despite our initial explanation when we filed the claim which included the accompanied attachments to this complaint. 

Detail Explanation : During the CA fires, my daughter had to evacuate her home as the smoke was exacerbating her respiratory conditions. She booked a place though XXXX for XX/XX/XXXX through XX/XX/XXXX. Upon her arrival, the place was not ready and beds were not made, bath towels on the floor and dirty dishes in the sink. Upon contacting the host XXXX, she agreed to refund and asked XXXX to contact XXXX  ( communication shown in the attached ). XXXX my daughter contacted XXXX cust service who admits that there was system glitch and even asked for XXXX to show her hotel bill where she had to go showing the invoice she had to pay to spend the night. ( copies of the communication were also sent to BofA ). When XXXX replied that they would not refund, we filed the claim with BofA and provided the attachemnts. To our surprise they decliend the claim saying that they never received the additional info which we mailed before their XX/XX/XXXX deadline. 

Insutl over injury and a real shame that BofA and XXXX would take advantage of someone evacuating the area and not only charging one night but the entire stay when it was them who did not have clean but rather an dirty room. 
We appreciate the Bureau 's and BofA complaint response team for reviewing and helping us solve this complaint. 
All the Best XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my credit report it states that I have a negative balance with XXXX which isn't true. I have always maintained my account and kept it in deferment status and the information on my credit report does not reflect that and says that the account is closed and behind, which is not true. Also, the same with the Department of education I have gone into consolidation with the student loans, and it is now under another name, however the same with the Department of Education, I have contacted them on numerous occasions and no response.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX opened a letter with a statement from Destiny which is a master card with an account ending in XXXX. I never opened the account. Called on XX/XX/year> and both general line and fraud line kept asking for my fulXXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They indicated no record can be confirmed without me submitting all that information. I never applied for such card which came with a {$700.00} XXXX XXXX and {$170.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more.XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5800.00}.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights I looked at my Transunion credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is reported as a Charge off ( XXXX XXXX XXXX ) but all the payments were made in time, i have two pictures to prove it. Please change the status of this account from Charge off to Paid as agreed or remove it from my credit report because this is inaccurate reporting. Thank you very much, I really appreciate your help with this matter.
Product: Debt collection

Portfolio Recovery Associates did not notify the credit reporting agencies of multiple disputes in XXXX 2017, but continued to pull reports which is a violation of FCRA 623 ( a ) ( 3 ) )
Product: Credit reporting or other personal consumer reports

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws XXXX has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title 1 XXXX XXXX XXXX XXXX XXXX  Please Delete from my consumer report 2 XXXX XXXX XXXX PLEASE DELETE FROM MY CONSUMER REPORT 3 XXXX XXXX XXXXXXXX PLEASE DELETE LATE PAYMENTS FROM MY CONSUMER REPORT 4 XXXX XXXX XXXX  PLEASE REMOVE FROM MY CONSUMER REPORT 5 XXXX XXXX XXXX XXXXXXXX PLEASE DELETE LATE PAYMENTS FROM MY CONSUMER REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or corrected immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Recently in doing some research on my consumer credit file I learned that the student loan in my name that were serviced by Sallie Mae. I learned that the loans are for a school by the name of XXXX University. I never signed an enrollment agreement with XXXX University nor did I ever sign or agree to become a former student of XXXX University. This seems like fraud to me. I do not wish to be associated with XXXX University and I never agreed to it. I do not understand how this is possible and how this legally has taken place. I did some research and XXXX University is no longer a school anymore. I do not understand why there is a student loan account listed under XXXX University in my name. I never agreed to this. I am requesting Sallie Mae to provide information stating that I agreed to be associated as a student with XXXX University. Before today I had no knowledge of any of this. I am requesting documentation with signatures that Sallie Mae has the right to pursue loan payment from me for the school  XXXX University. I do not wish to be affiliated with XXXX University. I never agreed to any enrollment or loans with XXXX University. Therefore, Sallie Mae must substantiate seeking payment and reporting a loan payment history to my credit reports for the school XXXX University.
Product: Credit reporting or other personal consumer reports

I am writing to complain about Transunion credit reporting company. Transunion imposes unreasonable obstacles to restoring my credit and interferes with my efforts to resolve credit problems. 

I have engaged a credit repair company. I understand I can contact credit reporting companies directly and don't need a credit repair company. However, I'm extremely busy and have chosen to engage XXXX. My credit was impacted when medical bills went unsatisfied during a lengthy negotiation with the insurance company covering a driver who hit me on my bike. Before that, my credit was perfect, and I am highly motivated to restore it. 

I received a letter from Transunion ( file number XXXX ) indicating that Transunion would not work with my credit repair company without my authorization. That seemed reasonable, so I called to provide my authorization. I authenticated myself by phone by providing my name, XXXX, date of birth, zip code, and the number of XXXX XXXX address. ( After providing this information to the automated system, I was told only to share my information with a human representative of Transunion. Puzzled, I waited .... ) I was told that Transunion will only work with my credit repair company if I submit a Power of Attorney document that contains my name, the name of the person appointed POA, that the XXXX name must match the name of the person submitted the request, the purpose of the XXXX, that the POA document must not be expired, and that the document must be notarized. 

This requirement is designed XXXX XXXX consumers away from pursuing Transunion 's cooperation. The elements of the XXXX have very little benefit in terms of consumer protection, and they require costs be incurred ( e.g. it costs about {$20.00} to have a document notarized in my area ). More importantly perhaps, the POA elements contains several criteria that are vague and can be used to justify a lack of cooperation ( e.g. matching the person to the POA document when only companies are hired to do this work or requiring a " purpose '' be stated when Transunion knows why a credit repair company is being engaged. ). 

If I want to appoint an agent to pursue my cause with Transunion, Transunion should confirm that the appointment is authentic and then it should cooperate.
Product: Credit reporting or other personal consumer reports

Capitol One shows on their XXXX report that my credit score is only XXXX, which is incorrect as I am above XXXX.
Product: Debt collection

I was contacted by Credit Management , LP multiple times by an automated dialer used to recognize the person answering by voice. They would never say anything until I redialed the number and then I would reach someone, this happened as recently as XX/XX/2019 at around XXXX. 

I asked them to verify the debt but they have no information to verify and they transferred me to XXXX/XXXX fraud center and they don't have enough information to verify the debt either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # XXXX ; XXXX XXXXXXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX ; XXXX account # XXXX ; XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX has violated my rights XXXX 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX CFPB Complaint informing the Credit Reporting Agencies that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit reporting Agencies are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I am submitting this complaint to request that the Credit reporting Agencies remove the following items compeletely from my Credit Report ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX is being reported twice on XXXX and XXXX  as negative information. On XXXX specifically these are showing as a chargeoff from XXXX and an open installment account ( not collection account ) from XXXX XXXX XXXX   These accounts are also showing a huge discrepancy in the Date of Major Delinquency in violation of FCRA. I have disputed this information several times in the past and it has either been verified or updated. When requested method of verification it was not responded to. This has been removed from XXXX.
Product: Credit reporting or other personal consumer reports

I recently filed a complaint on XX/XX/XXXX against TransUnion regarding incorrect information showing on my credit report. 

TransUnion has closed my complaint stating that they verified account information that was NOT even related to my complaint submitted on XXXX/XXXX/XXXX. 

TransUnion is currently reporting a closed charged off account as OPEN and is currently showing a late payment status. I have disputed this incorrect information many times without resolving the issue. 

I DO NOT HAVE A CURRENT CAR LOAN!! 

This intentional violation of the FCRA has prevented me from obtaining a new car loan and other credit opportunities. 

I do not currently have an open car loan with XXXX XXXX XXXX. XXXX closed the account on XX/XX/XXXX. 

TransUnion is also reporting accounts older than 7 years on my credit report. 

By law, I am submitting this complaint as directed by a law firm. 

Thank you
Product: Debt collection

Owned XXXX on damage debt and settled payment on XX/XX/2016. They sent collector Transworld System , Inc. Collection Agency that it was not collected w/ letter dated XX/XX/XXXX. I have copy of credit card payment of the debt was collected by XXXX.
Product: Student loan

I am XXXX and all my school loans were paid off by the XXXX discharge in XXXX 2015. A few weeks ago I started to receive calls from a bill collection company names ATG LLC asking me to pay my bills. I told the XXXX who is the debt holder for XXXX XXXX that i have confirmation that the debt was paid. XXXX and his company ATG LLC continues to harass me with letter and calls. XXXX and ATG LLC went as far as adding the debt back to my credit. Its not my fault that XXXX XXXX got paid for my student loans and did n't communicate with ATG LLC. I have the proof that all debt was paid and I should n't be harassed with letter and phone calls everyday. Then to see the debt on my credit report which took a big hit over a debt that was paid.
Product: Money transfer, virtual currency, or money service

I am writing this to formally address my concerns regarding Zelles handling disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle a numerous times and reporting discrepancies, my finical institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds are impossible and tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.The lack of accountability and transparency is unacceptable and raises serious concerns and customers safety