23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

The government paid the full year of rent to these people due to COVID-19 pandemic assistance and they then served me paperwork to have my family evicted right after because they were planning on having that apartment updated even before we moved in. But the corporate office gave us a deal for that apartment instead. I went to the court house and signed papers to move out and not owe any money for anything pertaining to this property. And if they had any problems they were to contact my insurance company that they have us all get. The head office in California sent me a letter of recommendation letting people know that I did lived there and owe no money, along with XXXX XXXX XXXX house, and the XXXX XXXX XXXX. This all took place in XX/XX/2021. All documents are in the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one credit offered XXXX XXXX XXXX. I downloaded there service over a year ago. TO my surprise, the credit scores they give me do not match XXXX, XXXX or XXXX. I am told my credit scores should be XXXX but during a recent auto loan, I was told XXXX? Capital one XXXX XXXX  is misleading. They are not reporting the credit credit scores. Credit wise may be using a 3rd party reporting but they do not disclose that information on the scores showing on the mobile app. Very misleading. WHY PROVIDE MOBILE APP XXXX XXXX IF THE SCORES DO NOT MATCH XXXX, XXXX, OR XXXX? These are misleading factors. 

Therefore, XXXX XXXX is not a true link to the credit reporting agencies. FRAUD on Capital one. 
XXXX XXXX IS ONLY advising of the possibility of your credit but are not linked to the reporting agencies for FICO SCORES. Once again FRAUD for XXXX XXXX.
Product: Debt collection

I received a call at my office from XXXX and I told her not to call my office. She told me she was calling about a pay day loan and I said I did not have XXXX and that I have received calls about this for 2 years now. She said she would send me an email with the verification of the loan and what she sent me was nothing that could verify anything. I told her to stop calling me and she has called my cell phone and now has another man calling my cell phone threatening to put me in jail tomorrow. I have never had a loan with the company she states and says instead of owing XXXX I now owe XXXX but they will settle for XXXX
Product: Student loan

I have been aware of the PSLF program since XXXX. I completed a degree through XXXX in XXXX so I could work in the medical field and take advantage of the loan forgiveness program. I have contacted my loan servicer, Nelnet, in XXXX to make repayment arrangements. I was suppose to be on the low income payment program as I was making $ 31k/year. I decided to go back to college in XXXX and completed a XXXX program. I called and spoke with a Nelnet representative concerned about repaying my previous loan and they informed me that my loans automatically go into deferment because I'm in school and that I wouldn't have to worry about paying while in school but didn't inform me that I could still have my previous loan under low income so payments will count towards loan forgiveness. In XXXX I called Nelnet to make a lump sum payment of $ 7k towards my loan XXXX. The representative suggested that I consolidate my loan but omitted to mention that consolidating my would would restart my old loan from XXXX again and I would miss 7 years of repayment! I called Nelnet again in XXXX to discuss what I needed to do do to apply for loan forgiveness as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The rep told me that I was never put on that program and that I would have to start all over again in loan payments!!!! They have charged me an additional $ 10K in interest towards my loan and no resolve to this! I'm still to this day unable to get them to help me and put me on the correct repayment plan! Their customer service is useless and they do not care about the borrower.
Product: Vehicle loan or lease

As I am nearing the end of my loan of {$38000.00}, with only {$6000.00} remaining I begin to get unusual transactions, such as the transactions posted incorrectly and negative or amounts ranging in different amounts. My loan is on auto pay it always has been and Ive always paid an extra XXXX dollars to principal, but as it winds down to the last bit of my loan, Ill begin receiving multiple transactions taking money out of my credit on my loans. Ive spoken to Wells Fargo over the phone many times resulting in no help the phone being disconnected and being lied to I was XXXX months in advance and now after all my phone calls with Wells Fargo I am no longer XXXX months in advance and owe more than I did before, the strange transactions started to begin a I was told by XXXX representative of Wells Fargo that my auto loan will be at XXXX after I put my additional XXXX months directly to principal which it never did, and instead I owed more than what I owed before I contacted Wells Fargo.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT 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 have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask these credit company 's to remove these accounts that was open without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the Equifax and XXXX credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting and Mishandled Disputes To : Experian and Consumer Financial Protection Bureau To Whom it may Concern, I am writing to formally file a complaint regarding Experian 's inaccurate reporting of three accounts on my credit report and their mishandling of my disputes concerning these inaccuracies. Despite my repeated efforts to resolve these issues through the dispute process, Experian has verified the accounts without conducting proper investigations as required under the Fair Credit Reporting Act ( FCRA ).

Specifically, my concerns include : 1. Failure to Conduct Reasonable Reinvestigations : Experian has repeatedly failed to adequately investigate my disputes, often marking them as " verified '' without proper evidence or analysis.

2. Inadequate Communication : Experian has not provided clear or accurate explanations of the results of their investigations, leaving me uncertain about the status of my disputes.

3. Violation of FCRA Guidelines : Experian 's actions contradict their obligation to ensure maximum possible accuracy and to conduct thorough reinvestigations as mandated under FCRA sections 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ). 


I have attached the details of the XXXX accounts in question for your review and resolution. 

XXXXXXXX XXXX # XXXX - Violation of 15 USC 1666b and 1681-s2 XXXX XXXX XXXX XXXX XXXX - Violation of 15 USC 1666b and 1681- s2 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Violation of 15 USC 1666b and 1681 -s2 I respectfully request that Experian : 1. Conduct a thorough and impartial reinvestigation of the accounts listed.

2. Provide a detailed explanation of their findings, including any evidence used to verify the disputed accounts.

3. Remove any inaccurate information that can not be verified.

If these issues are not resolved promptly, I will pursue further action to protect my rights under federal law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

its on the ftc attached the ftc violations and names XXXX  and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of the fraudulent accounts and inquiries listed below. As a victim of a data breach, these unauthorized accounts have appeared on my credit report, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Please see the details of the fraudulent accounts : XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} Inquiries : XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXXXXXX - Date : XX/XX/XXXX
Product: Student loan

XXXX XXXX, enrolled in XXXX XXXX for XXXX XXXX, moved around and attended other campuses ( XXXX, WA ) then back to XXXX, AZ. Graduated XXXX. Enrolled in the XXXX XXXX XXXX through XXXX XXXX, relocated to XXXX, OH where I completed my course in XXXX XXXX. Started the Masters program with the same school and same lender XXXX Great Lakes Borrowers ). School shut down in XXXX ending my schooling. Filed a " School closure and loan discharge ''. Great Lakes Borrowers sent me a letter stating that my loans are discharged and I no longer need to pay on them ( XXXX, XXXX XXXX ). Great Lakes Borrowers informed me that only a portion of my loans ( around {$3200.00} is discharged ) but not the whole thing. In the letter, it does not specify that {$3200.00} amount but " Great Lakes XXXX XXXX XXXX will cancel the remaining balance on this portion of the student loan ''. Which all of my loans are through XXXX XXXX and no other institution. Also, contacted another " agency '' about my loan, they informed me that as of current, all loans processed from XXXX XXXX to current are discharged and Great Lakes Borrowers is in violation of that action. 

I want this loan discharge enforced, removed from collection by Great Lakes Borrowers and my credit reports to reflect that removal of debt. I have tried on many occasions to deal with Great Lakes Borrowers which denied this letter was on file with them though I have faxed and emailed it many times. 

Great Lakes ID : XXXX
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting

correctly. 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 1681c. ( 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 antedates the report by more than seven years.

15 U.S.C. 1681s-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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax does not provide a proper investigation to resolve disputed accounts. There was never any resolution after several investigations when there were several items removed from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old credit card from XX/XX/XXXX which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. XXXX XXXX  XXXX XXXX has already stated the account was paid in full and was to be removed from my credit report in XX/XX/XXXX however the account is still reporting negatively. However on my XXXX report the account states it is to be removed from my report XX/XX/XXXX which XXXX did not agree to. 

Creditor ; XXXX XXXX  XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Product: Debt collection

I Have called the company many times requesting a debt validation letter and the stated they would try to work with me to fix the debt but kept saying they would have to send me to different areas of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  insist in reporting a loan late on my credit even after I explain that was due from my ex wife. The divorce decree was provided to the XXXX XXXX and many times contact without a solution. Also the loan was under both our names and it has been reported only on my social security.
Product: Debt collection

Our services with XXXX XXXX were disconnected per our request on XX/XX/XXXX due to consistent poor quality service, and a most recent complete loss of all phone and internet service for a period of 14 days from the period of XX/XX/XXXX through XX/XX/XXXX. We were paid in full through XX/XX/XXXX at the time of cancellation. After repeated attempts to resolve what balance we may owe through XXXX XXXX customer service phone line, and being unable to come to an agreement on that balance, they sent the balance they showed on account into collections ( {$140.00} ). We disputed the balance with the collections company and asked for verification and explanation of how this balance was derived, and they sent us a copy of XXXX most current statement, which only showed the proposed balance, no explanation on how it was derived. On XX/XX/XXXX we paid XXXX directly {$82.00}, which is what we considered to be the remainder of any charges we may owe for the services we received between XX/XX/XXXX - XX/XX/XXXX ( 2 weeks of which we had no service and should receive credit ). The collections agency still shows a balance due of {$56.00}, and despite repeated requests, has not been able to provide us with documentation to show how that balance was derived. I have also been in communication with XXXX XXXX XXXX with XXXX XXXX Relations to attempt to get some clarification on what the true balance may be, and have asked for detailed explanation on how they derived the numbers they have, and I have yet to receive that clarification. We also had a period of several days we were without service during the period of XX/XX/XXXX,XX/XX/XXXX that XXXX is refusing to consider any reimbursement for because their records do not document a problem during that period of time.
Product: Checking or savings account

I am reaching out to seek immediate assistance regarding the closure of my Citibank account, as XXXX actions are causing severe financial and personal hardship. I previously filed a complaint ( Case # XXXX ), which was closed by the CFPB. However, recent developments warrant a review of XXXX actions, as they have further restricted my ability to access my funds and imposed timelines that have created significant challenges. 

Despite my efforts to resolve this matter directly with Citibank, I was informed that my account is scheduled for closure within XXXX  days, with funds to be held for an additional XXXX to XXXX  days post-closure. This delay, following my complaint about accessibility and verification requirements, feels retaliatory. The actions taken by Citibank have : XXXX. Severely disrupted my life, including forcing me to cancel essential, non-refundable travel plans ; XXXX. Placed undue financial strain on me, as I am unable to access my funds for a prolonged period without explanation ; and XXXX. Restricted my access to funds for daily expenses and commitments, compromising my financial stability. 

I am seeking guidance on any applicable laws that protect consumers from undue hardship caused by restrictive banking practices. Additionally, I request assistance in either expediting access to my funds or providing an alternative resolution that mitigates the hardship XXXX policies have caused. 

This situation has imposed an extreme and unnecessary burden on my life, and I am hopeful for a resolution that protects my rights as a consumer. 

Thank you for your attention to this matter. 

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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had opted for paperless billing statements from Kohl 's a few years ago and had not had much problems. However, I had been receiving too many marketing emails and opted out of them a few months ago. After that, I did not receive any paperless billing statements from Kohl 's but I was n't making many purchases. I have always found their online system to be very slow and hard to access. I finally was able to access it a couple of weeks ago when I realized I had n't received a bill for a suitcase I had purchased. I was puzzled because their online software system sent me an email saying thank you for registering, even though I have been a registered user for years, when I accessed it to check on the bills. It also kept telling me that my email provider had changed and that was n't true either. My email address is still the same as it has been since 2007 and was correct in their online system. I found 3 billing statements that were never sent to me and that Kohl 's had been adding fees and interest charges to my bills. I called them and sent them secure email messages explaining all these inconsistencies. They only removed some of the fees and none of the interest charges, basically telling me it was my problem and not theirs. I finally received the 3 bills by mail as I asked for, none of which I was even informed was available when they were. I think they made a software update that caused a problem and are charging me for the resultant problems because the fees to do so are so high. I have now switched to paper statements.
Product: Money transfer, virtual currency, or money service

Today, Paypal took {$400.00} directly from my bank account by wire without my permission. 



I have attempted to contact them and ask why this was done but have not received a response. Yesterday, someone attempted to send me the same dollar amount and after realizing paypal locked my account, I asked them to issue him a refund through their dashboard ( The same money he sent was supposed to be sent back ). They are holding his money against his permission now, as well.