23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was checking my statements due to receiving a notification my payments will begin again in XXXX of 2025. I noticed that my numbers have increased ( even though I am currently in forbearance and I have a current 0 % interest rate on my loans due

to the SAVE injunction/plan ). However, the statements in the system show nearly an overcharge of {$2000.00} from the last time I checked even though no payments have been required and no interest has been accruing. I looked at my current account balance, and from the statements they are saying I currently owe a " future estimated balance '' which is the incorrect amount from my current principal balance. It doesnt make sense how they can charge me interest and say I currently owe a " future '' balance. Also, it does not let me download the statements because each time I try I get an error message. So there is no way for me to save the XXXX  unless I screenshot ( which is attached ). There is also NO record of me previously paying off a
loan of approximately XXXX XXXX because they did not fully transfer all information from the previous platform. This has completely diminished all trust I could have with XXXX  and I am gravely concerned for their ability to manage so many loans. The fact the message they play when you call them ADMITS to sending out incorrect information and to just " ignore '' the notification shows you they are trying to quickly to request money from borrowers when they dont even have their processes figured out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Last XXXX of XXXX XXXX, Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 5 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) an account opened at XXXX XXXX on XX/XX/XXXX account number ( XXXX ) an account at XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX under account number XXXX an account at XXXX XXXX/XXXX  opened XXXX XX/XX/XXXX XXXX account number XXXX an account at XXXX XXXX opened on XX/XX/XXXX under account number XXXX. An account at XXXX opened on XX/XX/XXXX under account number XXXX. An account at XXXX opened XXXX XX/XX/XXXX under account number XXXX. Hard inquiries such as XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX & XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. To support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. 

This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX  were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 21 days before the payment due date. 

( CREDITOR NAME ) never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 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

This debt originated XX/XX/2018 with XXXX XXXX XXXX in XXXX XXXX I submitted my XXXX information as follows XXXX XXXX for payment I also filed for bankruptcy on XX/XX/2018 & included all my debt including all outstanding medical debt which was discharged on XX/XX/2018. Im receiving derogatory collections on my credit bureau reports of this debt from CMRE FINANCIAL SERVICES
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name : XXXX XXXX & Account Number : XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Debt collection

old debt I could n't pay due to death in family debt is past statue of limitations, a new debtor brought the debt and is trying to reopen the claim
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to bring to your attention an issue I have encountered regarding my recent loan application. Just recently, I received an email from TD bank regarding my cancelled application due to an " incomplete process '' on my end. I have diligently completed and resubmitted the necessary documentation, and I also took the initiative to speak with a manager at TD bank who assured me that the application had been successfully signed. Additionally, multiple representatives in the company along with the manager, confirmed that the application process was finalized and that the funds would be disbursed within a few days. However, it has come to my attention that despite the assurances given by the TD bank team, a technical issue on their end prevented the timely disbursement of the approved funds/approved loan. This unforeseen circumstance has resulted in an unnecessary hard inquiry on my credit report, causing both inconvenience and emotional distress. 

In light of the aforementioned challenges and the discrepancies between the information provided by their team and the actual outcome, I kindly request that the company consider removing the hard inquiry from my credit report/credit bureaus . It is crucial to emphasize that this discrepancy is a result of an error on their end and not due to any oversight on my part. 

I would like to draw your attention to the recorded interactions I have had with their customer service team, where they consistently assured me of the approval and completion of my application. These recordings serve as tangible evidence of the promises made, and I believe they will be valuable in resolving this matter. 

Lastly, it has taken this company nearly a month in a half to contact me. I have tried resolving this matter by phone with their customer service team as reflected below, yet, it was completely useless and inefficient. 


Phone number I called : XXXX XXXX : XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone  number I called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

CFPB Complaint Equifax XXXX/XXXX/16 Account XXXX Filed a dispute with the CRA, XXXX XXXX shows account paid but failed to provide complete information. I than requested this information from XXXX XXXX the furnisher at the address provided on my credit report. ( See attached letter ) I sent this request certified and return receipt. XXXX XXXX 's reply was that they sold the account. ( See attached letter ) I sent my request to the only furnisher listed for this account, no other contact is provided on the Equifax Credit Report, or any other credit report for this account, no address or other name. I sent a certified mail return receipt to Equifax requesting delete of this account. I have not been able to verify that Equifax has processed that dispute. 

XXXX has already agreed to delete this account. CFPB Complaint # XXXX Company responded XXXX XXXX said : Explanation of closure Based on the complaint, XXXX XXXX Bank # XXXX has been deleted from your XXXX credit report. In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX - XXXX Please visit XXXX for frequently asked questions about your credit report. 
Relief We received your complaint about XXXX XXXX Bank # XXXX in your credit report, and apologize for any difficulty you may have experienced. The item identified in your complaint has been deleted. 

Attached : letter direct dispute XXXX XXXX Bank. Certified/return receipt/mail, Response from XXXX XXXX, certified mail sent to Equifax requesting delete and this letter of this CFPB dispute
Product: Checking or savings account

ChexSystems Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Attention ChexSystems : I received a copy of my ChexSystems consumer report, and I have an inaccuracy indicated on my consumer report : XXXX Charge Amount : {$1500.00} In detail, you recorded that I owed an assumed debt with XXXX Bank on or around XXXX. I am disputing this false record because it is to be inaccurate and does not belong to me. Please request evidence of this unresolved outstanding negative record from XXXX and investigate this item for me. I understand that your repository is required by law to begin an investigation for me because you are a credit-reporting agency and must follow the Fair Credit Reporting Act. Yet again, you have failed to provide me with a copy of any viable evidence submitted by ( XXXX XXXX ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen 15 days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at ( XXXXXXXX XXXX ) regarding this alleged account. I am formally requesting a copy of any documents provided by ( XXXX XXXX ), bearing my signature, showing that I have a legally binding contractual obligation to pay them. 
A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see XXXX XXXX XXXX, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you XXXX be liable for your willful non compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your agency. I will be seeking {$5000.00} in damages for the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violation of the Fair Credit Reporting Act I await your results. 

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

I am disputing inaccurate information reported by XXXX XXXX  on my credit reports from XXXX, Experian, and XXXX. Despite my previous dispute, the information remains incorrect. According to the Fair Credit Reporting Act ( FCRA ), the information must be accurate and verifiable. I request the deletion of the inaccurate information due to the following discrepancies : Account Number : XXXX and XXXX report : XXXX Experian reports : XXXX Date Opened : XXXX reports XXXX XX/XX/XXXX Experian and XXXX report XXXX XX/XX/XXXX High Credit : XXXX reports XXXX {$980.00} Experian reports : {$0.00} XXXX reports XXXX {$960.00} Credit Limit : XXXX and Experian report XXXX {$500.00} XXXX reports XXXX {$0.00} Last Reported Date : XXXX and Experian report XXXX XX/XX/XXXX XXXX reports XXXX XX/XX/XXXX Date Last Active : XXXX reports XXXX XX/XX/XXXX Experian reports : XX/XX/XXXX XXXX reports XXXX XX/XX/XXXX Date of Last Payment : XXXX and Experian report XXXX XX/XX/XXXX XXXX reports XXXX XX/XX/XXXXXXXX XXXX  Payment History : Experian shows consistent " CO '' ( Charge Off ) status for XXXX, whereas XXXX shows multiple " OK '' statuses during the same period. 

Despite my previous dispute, I still disagree with the accuracy of this information. These discrepancies violate FCRA Section XXXX ( XXXX XXXX XXXX XXXX ). I request the CFPB 's assistance in ensuring these inaccuracies are corrected or deleted from my credit reports with XXXX, Experian, and XXXX.
Product: Credit reporting or other personal consumer reports

" As per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is stated that 'There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' Under 15 USC 6801, it is Congress 's policy that financial institutions must 'respect the privacy of its customers and protect the security and confidentiality of those customers nonpublic personal information. ' The furnisher of information to credit agencies is considered a financial institution under this statute. 

According to 15 USC 1681 section 604a ( 2 ), 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' XXXX, XXXX, and the furnisher of information do not have my written consent to furnish my information. 

15 USC 6802 ( b ) ( c ) specifies that 'A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' The furnisher of information never informed me of my right to exercise my nondisclosure option.

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my permission, which is against the law. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that '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. ' XXXX and XXXX are not maintaining reasonable procedures to avoid such violations. 

Furthermore, 12 CFR 1016.7 allows consumers to 'exercise the right to opt out at any time. ' Therefore, I am opting out of their reporting services. ''
Product: Credit reporting

I have never lived at, owned property or received mail at XXXX XXXX in XXXX, Arizona.
Product: Debt collection

Dates : XX/XX/year> Amount : {$320.00} I was sent a bill for money owed which I had thought XXXX had paid for. Did not realize that XXXX had stopped. I was on XXXX cause I couldn't afford any other type of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Believe I wrote the place of business stating I could NOT pay due to financial hardships of NOT having a job nor income. I had ask for bill/debt to be written off!! 
" PLEASE CEASE AND DESIST ALL COMMUNICATIONS WITH ME ABOUT THIS DEBT. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car with XXXX and have made all of the payments and have continued to make all of the payments. At the time of XXXX, XXXX I got sick and was in the hospital and was having my throat cut for the second time. I called XXXX and advised them that my payment would be at the end of the month, and that my son, was making one also, and that I would be making another through the XXXX check. Sometime at the end of XXXX, XXXX after making all three of these payments and working with them they sent a man out in a truck and he advised that he was there to talk to us about the car. My husband told him there was nothing to talk about because I had worked it all out with XXXX and that I would be back in a few days and would be about to talk and explain it to them. He said that he was not talking to XXXX or us but that we needed to call them. My husband and my son went down to the lot of the place where he came from the next morning and explained it to his boss and they called XXXX and they advised that they had spoken to the supervisor and found my notes and everything was back on track going to be okay. I have consistently made payments to XXXX through my debit card or through XXXX XXXX or XXXX XXXX  and since XXXX, XXXX they have been on time and not late and even before then we were on time and maybe late once or twice. XXXX went back into my credit report sometimes after XXXX, XXXX and placed that this car has been repossessed. This car has never left my possession and it has never been repossessed. When i called and questioned it on my statement they credited back {$50.00} as a late fee because they said that is all they could process it as because it had been added to the end of the loan. I will pay this car off at the end of this year and it has full coverage insurance and XXXX miles on it and it again has never left my possession.
Product: Checking or savings account

I recentlly opened this account and now that I have over {$2000.00} in it, US Bank closed it and will not release. my funds. They are taking advantage of the fact that I am elderly and XXXX, unable to get to a branch. I need that money to pay my rent asap. US Bank offers no detailed explanation for the closure other than " suspicious activity ''. I am also low-income and retired. Can you help me get my money back, and tell me if US Bank regularly exploits the elderly and XXXX? XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a Ide.ntity Theft Report and sent a copy to Equifax Credit Bureau, on XXXX XXXX. I attached the Identity report as well as a copy FCRC 605 forms. As of the to XXXX XXXX, report hasn't been updated or information removed
Product: Checking or savings account

I started the process of opening a Direct Savings account with HSBC on XX/XX/2020. At that time, the advertised rate on the website was 2.05 % APY. see https : //www.us.hsbc.com/savings-accounts/ After a couple of weeks, the account was approved and I transferred my funds. I got my first statement at the end of the month, and saw that my actual rate was 2.00 % APY. Around the same time, I received an email notice that the rate would be dropping to 1.85 % APY on XX/XX/XXXX, around two weeks after I opened my account. 

I contact HSBC to request that I be given the advertised rate, and they denied my request but acknowledged my complaint. The terms on the website state that " APYs are variable and subject to change after opening. '' However, given the cost, both in time, and potential fees, it seems unethical and unfair for the bank to change the rates so soon after the account is opened, and by such a large amount ( a 10 % reduction in the rate!! ). 

Had I known that the rate would change so suddenly, I never would have gone through the time and effort of opening the account. 

Further, there is a charge for closing the account within 180 days of opening it : " Account Closing {$25.00} If your account is closed within 180 days of opening. '' Additionally, as of the writing of this report, the rate displayed on the HSBC Direct website is 2.00 %, but according to the email that I received, the actual rate that a new customer can expect is 1.85 %, which is apparently false advertising. If HSBC knows that they will be changing the rates in the coming weeks, they should be required to change their advertised rates to reflect what the customer will actually receive.
Product: Money transfer, virtual currency, or money service

Using the XXXX Cash app, I accidentally sent money to the wrong user. I contacted XXXX about the issue, and they offered me no recourse because the payment was " instant ''