23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX automatically charged a product to my credit card account. This had happened before and at that time I called and cancelled my card and received a new one with a different card number. I inform XXXX that I did n't want them automatically charging to my account. It happened again in XXXX, 2016. The credit card company allowed XXXX to charge to an account that did n't exist, they transferred the charge from my old card number to my new one. When I called the representative of the credit card company they said they could n't do anything except challenge the charge. I did that. 

I just received another bill from the credit card company stating that I owe {$85.00} for the XXXX charge, plus a late charge, plus a minimum interest charge fee. I feel like I am being harassed. I closed the account, yet after taking to a representative a second time they said they ca n't close the account. I spoke with a supervisor and they were no help at all. I called XXXX and received a refund on XXXX XXXX, 2016. They told me to contact the credit card company and give them this number : XXXX or XXXX. 

I sent all of this information to customer service in XXXX, ND.
Product: Debt collection

I have disputed wrongful debts with Portfolio Recovery years at this point. They are attempting to collect an old debt they purchased that does not belong to me. They are wrongfully attempting to collect this debt and damaging my credit immensely. They need to remove the collections immediately.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I receive a notification saying There was a new inquiry, line of credit open on my credit report that I never took out. when I called them, they stated that this line of credit was open for three months and they never sent me nothing in the mail or it was never reported on my credit until today so I was trying to tell the manager Im a victim of fraud, and they need to remove this of my credit report because I dont think they ever ask these people to prove their identity when they took out this line of credit and if they did ask for proof, I need them to send me those information like a copy of my ID and my social
Product: Credit reporting or other personal consumer reports

just unable to get my credit score nad a need credit card came abnd popped up on my crdit report
Product: Student loan

I was denied a discharge for school misconduct after completing a thorough application with supporting documentation. The only reasoning for denial in the letter I received stated, " you do not meet the requirements for discharge based on misconduct by your school. '' My school was part of a class action lawsuit in which a {$5.00} XXXX judgement was ordered against them and they were forced to cancel all remaining loans of Borrowers in California. There was another case with the Consumer Financial Protection Bureau XXXX XXXX XXXX, In out of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX ) that was filed XX/XX/year>. This lawsuit included my school in particular as it was located in XXXX, IL. I went to this school from XXXX before withdrew from the program with the understanding from faculty and staff that there would be no charge as long as I unenrolled within XXXX. I was told that all money would be refunded to the loan lender and I would owe nothing. I was preyed upon, lied to, and deceived by this school from day one. Today, XXXX XXXX XXXX, I am still paying on this loan and I just received a denial for school misconduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed to unfreeze my credit reports so the Bank XXXX  XXXX XXXX in XXXX could process a land loan application for me to buy property there. I was able to unfreeze the XXXX and XXXX reports. The Experian unfreeze process is completely automated and their website would not accept my logon credentials. When I tried to reset them the application notified me it was sending an email to an address that was not mine. There was also no way to interact with a person at Experian by phone or by email ; the only access to them was via a letter to be sent to a XXXX XXXX in XXXX 

I XXXX a letter to Experian explaining the problem and providing contact information so they could respond to my request. XXXX confirmed delivery but there has been no response to date and I have had to discontinue the loan process since the bank was not able to access all of my credit reports. A screenshot of the automated response sent to someone else 's email address is attached. A dated copy of my letter to Experian is also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX Tuesday evening. I received my Equifax credit report in the mail and you have my name wrong it should be XXXX XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX because I changed my name as of XX/XX/XXXX so it looks like someone has changed my name back which is fraudulently unauthorized. I want all names deleted besides my new name. I want all addresses deleted. I want all phone numbers deleted and have no phone number on my account. I want all inquiries deleted especially XXXX XXXX because I did no such thing with XXXX XXXX because I have been discriminated against by people who are using my identity for 20 plus years as if my stolen is portfolios is there. And since you have the wrong name then that means you have the wrong information and I want every address deleted because I did see the address of XXXX XXXX XXXX XXXX XXXX Nevada XXXX as well as XXXX XXXX XXXX XXXX XXXX  XXXX with the without the apartment XXXX XXXX Nevada XXXX needs to be deleted off my credit report. As well as XXXX XXXX XXXX address XXXX XXXX XXXX XXXX Texas XXXX date open XX/XX/XXXX and was put on chapter XXXX XX/XX/XXXX. It needs to be deleted off my credit report please. XXXX XXXX is stalkers and they need to get off my credit report I have no knowledge of these people I don't even know why they keep continue to being on my credit report will you please get these people off my credit report with the address of XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX as of XX/XX/XXXX is Ally please get this off my credit report thank you. Another one that needs to get off my credit report because they are stalkers I have no knowledge of these people I owe them no money I have been dealing with this every since XXXX and trying to remove these stalkers off of my credit report and their name is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on XXXXwo separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. XX/XX/XXXX1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates were between XXXX thank you for taking the time to help me with this issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept ED XXXX XXXX XXXX XXXX Dpt ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 card

XXXX/XXXX/16 I sent a payment check for {$290.00} to American Express. It showed up on my bank statement as cleared, but AMX did not show it as received. I contacted them in XXXX and they instructed me to send all bank statements to them which I did. In XXXX they said the case was closed but I was not credited for the payment. My XXXX bank contacted them and they reopened the case. I looked at the case status and they said they are investigating, again, and should have it resolved by XXXX XXXX 2016! .. the payment was made in XXXX and my bank shows that it was definitely cashed by them.
Product: Credit reporting or other personal consumer reports

The letter pertains to the following accounts listed below : XXXX .... 
XXXX XXXX-Balance {$670.00} XXXXBalance {$5900.00} XXXXBalance {$22000.00} XXXX XXXX Experian is being sued for the exact issue that I'm continually having, not properly investigating and provided incomplete, erroneous information. 


I've contacted Experian, Equifax and Transunion multiple times about the listed accounts. 
-Neither company has provided me with signed disclosures of permission to report or opt out from the " alleged '' Creditors [ ( 15 USC XXXX ( b ) ( a ) ( b ) ] -Neither agency has provided the name/address for company this information was Factually verified. 
-Reporting " XXXX '' repeatedly and illegally re-ages each account and after reviewing each credit report from XXXX and Experian platforms, multiple errors and inconsistent information is report across all bureaus. 
I DEMAND DELETION of each of these accounts. Inaccurate reporting is injuring my credit score, defaming my character, infringing on my right to obtain credit, employment and causing damages to my life. 

Violations : 15 U.S.C. XXXXg 15 U.S.C. XXXX
Product: Credit reporting or other personal consumer reports

This complaint is filed against XXXX XXXX XXXX  and Equifax for reporting incorrect/wrong information on my credit report. It should be known at present date and time a account under XXXX XXXX XXXX  reporting at Equifax that was opened on XX/XX/XXXX and charged off is displaying that i had twenty four 90 days late. This account was opened in XX/XX/XXXX and closed in XX/XX/XXXX which is ten months. This is a typo error because 24 ninty days late amount to 2160 days which is way greater then the full term of the account. XXXX only reports two ( 2 ) 90 days late. The number 24 is a typo error and completely wrong. A copy of my smart credit 3 bureau report is included for review so the error can been seen and corrected.
Product: Debt collection

It looks like they are saying I owe a bill from XXXX XXXX of XXXX from XX/XX/XXXX. Ive contacted the company multiple times and they dont have anything in the system about/for me. Its basically showing me as non existent. I asked SCA Collections to verify the debt, but they couldnt & mailed something on XX/XX/XXXX thats totally in violation with the HIPPA law. Its a bill thats been reported wall 3 credit bureaus and having a negative impact on my credit for {$94.00}. I even offered to pay the debt without verification because of the damage its doing to my credit and SCA wont allow it! Im very disappointed in this unfortunate situation and really need help! Ive contacted the 3 credit bureaus of this situation via mail and Im currently waiting on a reply. I just want someone to actually listen and help with this situation.
Product: Credit reporting or other personal consumer reports

I am reaching out to address significant concerns regarding errors in my credit report. Upon review, I discovered multiple inaccuracies, including incorrect account listings, unauthorized inquiries, billing inconsistencies, and accounts that do not belong to me. These issues are affecting my financial stability, and I require your prompt assistance in resolving them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX : My XXXX Loan Balance with Dept of Ed/Nelnet of {$140000.00}. 
XX/XX/XXXX : I received a refund check from Dept of Ed for overpayments made on XXXX loan. 
XX/XX/XXXX Nelnet reported to all three credit bureaus that my balance was still {$140000.00}. 
XX/XX/XXXX Nelnet reported to all three credit bureaus that my balance was still {$140000.00}. 
XX/XX/XXXX : I submitted a credit report dispute with all three credit bureaus. 
XX/XX/XXXX : I received a response that there was no error in the credit reporting and my dispute was closed. 
XX/XX/XXXX. I submitted a credit report dispute for the SECOND time along with proof of XXXX balance to all three credit bureaus. 
XX/XX/XXXX Nelnet reported to all three credit bureaus that my balance was still {$140000.00}. 
XX/XX/XXXX I received a response to my dispute that there was no error in the credit reporting and that my dispute was closed. 
XX/XX/XXXX I contacted Nelnet directly to inform them that my disputes were being ignored and that my credit report is incorrect. I was told that they would correct it and report my XXXX balance to all three credit reporting agencies by XX/XX/XXXX. 
XX/XX/XXXX Nelnet reported to all three credit bureaus that my balance was still {$140000.00}. 
XX/XX/XXXX I received a letter from Nelnet stating that " All credit reporting is valid and accurate ''. 
Today, XX/XX/XXXX my balance has been XXXX for a total of four months and Nelnet is still reporting to all three credit bureaus that my balance is {$140000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit-reporting agency Equifax was hacked and my personal information, including my social security number, date of birth and drivers license number may be at risk.
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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I hope this time someone will help me resolve my issues concerning these 2 fraudulent accounts that have no valid authorization from me. Some have made use of my personal information and I kept reaching out to the credit bureaus with my Identity Report attached to my XXXX 's letter but nobody has taken this concern seriously.
Product: Mortgage

BOA maliciously denied my online access to my mortgage account messages, statements and all other documents for my mortgage loan number XXXX with no explanation, all that occurred by design as BOA always on weekends, to intentionally induce XXXX and fear for no reason other then to intimidate customers. 
I have been denied modification and I am in the process of getting my XXXX XXXX XXXXXXXX XXXX approved to pay the balance due, XXXX XXXX XXXXXXXX program analyst called and spoke with BOA to let them know about the pending approval application. 
my Mortgage loan number is XXXX.
Product: Debt collection

Received several phone calls from Afni stating that we owed a past due account from a utility company - this was about 3 months ago. 

We just received a statement from Afni. We currently use this utility company and are up to date. The account number that Afni referenced is not ours and our company name is misspelled. 

Our company has contacting the utility company to let them know there is a fraudulent collection company acting on their behalf and to confirm that our account is up to date to which they confirmed. 

The utility company is XXXX. 

The collection agency is listed as Afni XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XXXX Date of notice XX/XX/21
Product: Money transfer, virtual currency, or money service

Paypal XXXX. Everyone knows this. Shame on anyone who works at paypal. 

I sold an item on XXXX item # XXXX. It was delivered by USPS on XX/XX/21, see tracking # XXXX. XXXX states that funds are available. 

But when I visit the worthless trash Paypal website, it says my funds are on hold, and Paypal is under the impression that the item hasn't even shipped. They are wrong. They are idiots. XXXX XXXX XXXX XXXX XXXX XXXX. 

Please cause them to release funds for the item so I can close my account and never deal with these XXXX ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months I have disputed inquiries, late payments that show for 2 XXXX accounts & XXXX XXXX  as well as XXXX XXXX which shows as a reposession when it was in fact a paid off loan. I have also disputed XXXX collections with XXXX several of which were made by other adults and yet have linked to my credit profile. I have have zero resolve from the credit report agencies as these items remain on my report and are drastically affecting my credit score and affecting my loan approval. Additionally there is a collection with XXXX that has been paid and creditor agreed to delete that is still reporting. Please help
Product: Mortgage

Mortgage Clearing Corporation ( MCC ) of XXXX, OK is dual-tracking my VA mortgage loss mitigation package ( LMP ) and foreclosure proceedings. More precisely, MCC is moving forward with foreclosure and not working on my LMP while telling me the opposite. MCC has had the LMP since XXXX XXXX, 2017 ( 2 months ago today ) and havent provided any feedback or requested any further information. On XXXX XXXX, 2017 ( 27 days after filing the LMP ) MCC sued me in XXXX County Oklahoma. MCC did not notify me of their intent. I found out about the lawsuit via snail mail I began to get from local attorneys wanting to represent my case. I called one of the attorneys to inquire as to how they knew of this situation and they referred me to the Oklahoma State Court Network ( XXXX ).  Prior to having received the letters from local attorneys, I was told that MCC was simply behind in their work and that all foreclosure proceedings had stopped until the LMP was processed. The documents filed in court by MCC state ; The Plaintiff has elected as provided in the mortgage, to foreclose In addition, MCC has not followed the other foreclosure protections outlined on the Consumer Finance website to include but not limited to ; Direct and Ongoing Access to Servicing Personnel, Fair Review Process and No Foreclosure Sale Until All Other Alternatives Considered. As it stands, I have until XXXX XXXX, 2017 to provide a written response or the judgement will be rendered against you ( me ) with costs of the action.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ) .I 'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Complaint to CFPB against Goldman Sachs Bank USA Subject : Violation of Fair Credit Reporting Act by Goldman Sachs Bank USA I am filing this complaint against Goldman Sachs Bank USA for continuously misreporting information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the following account : Goldman Sachs Bank USA Account number : XXXX The bank is reporting an inaccurate balance of {$1000.00}, despite this debt being charged off and memorialized with a Form 1099-C, indicating the debt was canceled. Reporting this balance as still outstanding is misleading and in direct violation of FCRA requirements for accurate reporting. 

Additionally, Goldman Sachs Bank USA is falsely reporting this account as " open '' with XXXX, further compounding the inaccurate information. As per FCRA ( 15 U.S.C. 1681s-2 ( b ) ), furnishers are required to promptly update or correct any errors once notified. Despite my efforts to notify them, the bank continues to report false information. 

They also report this account as a " charge-off '' month after month, which is both unnecessary and damaging to my credit. According to case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, monthly updates of charge-off accounts are considered harmful and violate consumer rights under FCRA. 

Thank you. 

XXXX XXXX XXXX