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

According to XXXX University, I received an over payment of a refund on one of my XX/XX/XXXX Student loans in the amount of XXXX, however this amount was a charge for hard-copy books from the Spring XX/XX/XXXX semester, which was incorrectly charged to my account because I was an XXXX XXXX, I did not receive hard-copy books. I did contact the book vendor, XXXX at XXXX XXXX and she had no record of my receiving said books. when reviewing my XXXX acct I saw XXXX has carried this charge since XX/XX/XXXX adding it as a collection account on my credit report in XX/XX/XXXX. According to the Federal Student Aide Information Representative that I spoke with XX/XX/XXXX, I do not owe XXXX any monies, I was not overpaid on any refunds and XXXX was paid in full and my XXXX account was closed. I recently reviewed my credit report I sent in adispute and in the results if that dispute, I saw a collection acct had been added to my credit report by XXXX for this amount and this is how I found out they are saying I owe them XXXX.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to follow up on my previous correspondence regarding the inaccuracies in my credit report. I have attached conclusive proof that contradicts the information currently reflected in your records. 

The account in question, held with XXXX XXXX, was not charged off in XXXX of XXXX as indicated on my report. I wish to reiterate that the final payment for this account was made in XXXX of XXXX, as is clearly evidenced by the attached documentation. 

It is crucial that this discrepancy be addressed promptly to ensure that my credit report accurately reflects my financial history. This error has the potential to significantly impact my creditworthiness, and I believe it is in the best interest of all parties involved to rectify this situation without further delay. 

I kindly request that you conduct a thorough investigation into this matter and take the necessary steps to correct the information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. 

I trust that you understand the gravity of this situation and will treat this matter with the urgency it demands. I look forward to your prompt response and a resolution to this issue. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I was on offer up trying to purchase couches, I found some I really liked and the person selling them said to send XXXX so they can take them offline and hold them for me and when they delivered them Ill pay the rest in cash but they stopped responding and deleted the post. All I have is the email I sent the money to trough Zelle. Zelle nor chase are willing to help me retrieve my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I requested a method of verification for a bankruptcy appearing on my credit report from LexisNexis via certified mail, it was confirmed that they received my letter on XX/XX/2021. According to their website they process this request within 15 days after the request is received. As of XX/XX/2021 I have not received any type of response from LexisNexis.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history 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 to be updated.

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.

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 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit card or prepaid card

Company is trying to get me to pay 2 late fees after I've told them this is in error as this account has been paid in full. They admitted that my payment was made on time and was never late in XXXX as they previously stated to me. Then the company sent me a bill for late fees in XXXX stating they didn't get paid. now in XXXX they are telling that another late fee is due because they never got paid in XXXX for purchases that I have never made and no balance was showing or due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sorry but I have to file another complaint against the credit bureaus even though I just filed one last month. I mean seriously guys XXXX! The credit bureaus response to me after letting you know they didn't address my dispute letters since XXXX is to tell me to " Please be specific with your concerns by listing the account names, numbers, and nature of the dispute. '' Is this a joke? And that is only the credit bureau that responded. The other two haven't! I submitted two different letters to each bureau with very specific disputes and concerns. I'm uploading them so you can have proof. This is yet more proof that the credit bureaus are just ignoring me and treating me like some XXXX XXXX. I want these accounts deleted NOW! The credit bureaus already had their 30 days times 3 and almost a fourth time.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$790.00}
Product: Mortgage

This complaint is a follow up to a previous complaint ( XXXX ). I was reluctant to submit feedback because I want to limit my contact with that particular mortgage servicer. Their response was inadequate and insulting. This company has been the subject of many complaints regarding refunds and payouts. They also try to " stall out '' consumers by letting substantial amounts of time pass before they respond to complaints. Also, they manipulate resources like the CFPB by not disclosing information in terms of what they do to attempt to solve the situation. For example, in their response they did not disclose to that after I filed my initial complaint they sent me a refund check for {$100.00} with no explanation attached. This was to pacify me in hopes that I would give in. However, I did not cash the check and I viewed it as an insult. Furthermore, they expect their response to coincide with the CFPB policy of not doubling down on complaints.

Please accept my sincere thanks for assisting me in resolving this issue. Also, please let them ( SPS ) know that I as well as the CFPB know that when there is funds owed to the lender the amount is enclosed in parenthesis, on each document I submitted there are none. Also, please let inform them of my sincerest desire to get this resolved without legal recourse. Generation of a mutually beneficial solution with minimal parties involved would be ideal.
Product: Credit reporting or other personal consumer reports

I am writing to report a potential case of identity theft. Upon reviewing my credit report, I discovered that my credit score is significantly lower than expected, and I have noticed several accounts listed under my name that I did not open or authorize. I believe that someone may have obtained my personal information without my consent and used it to establish these accounts. This situation is causing both financial and emotional distress, and I am concerned that my personal and financial security has been compromised. I would greatly appreciate your assistance in investigating this matter and taking the necessary steps to protect my identity and resolve these issues. 

Thank you for your attention to this matter. 

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

To whom it may concern, I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character and has hindered me in my job search as well as applying for credit. I unfortunately can not even get a SBA loan. I have written to the company twice. Once on XXXX and again on XXXX without any action or notification of acknowledgement. 

This issue was submitted to the CFPB with no action or direct response to my issue. A general statement was your companies response which is unacceptable.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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.
Product: Bank account or service

I sent a western union ebill ( WU Pay ) for the amount of {$260.00} to Western Union which was withdrawn from my account on XXXX/XXXX/15. The should have been available in 1- 3 days. After 3 days, I did n't receive a email confirmation of the funds being available in my western union account. I called XXXX XXXX, XXXX XXXX and XXXX XXXX and was told my funds were not available because my bank did not release the funds. Each day I called I was told they were escalating my issue to the WU department and will be notified in 24 hours ( I never was notified ) .On XXXX XXXX, a representative of my credit union on I conference called Western Union. My credit union representative spoke with a Western Union representative and confirmed the funds were released on XXXX/XXXX/15. The Western Union representative stated he will escalate the issue. However, i have not received a refund of my money. I 'm concerned that Western Union is using this " lost funds '' tactic to keep funds that are somehow lost in cyberspace. How many people has this happened to?
Product: Credit reporting 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.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent my XXXX verification letters on XX/XX/2023 here are my tracking number for all XXXX credit bureaus : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Credit card

When I returned my rental car to the rental agency on XX/XX/year>, I was scammed by the rental agency, and charged a cleaning fee of {$100.00} USD ( inclusive of taxes ). I did not approve, or authorize the charge because when I returned the vehicle it had been thoroughly cleaned, and was NOT at all dirty. 
I contacted the credit card company upon returning home, and filed a dispute regarding the charge, communicating that the charge was fraudulent, unjustified and unauthorized. 
I even took video of the vehicle at the rental agency location when I returned it which clearly showed that the vehicle was clean, and in no way dirty. 
However, the online dispute process with my credit card company did not allow the ability to upload the video as proof of the condition of the vehicle. 
I provided the credit card company with the proof of payment, and charges I received from the rental car company ( the invoice ), but the credit card company ultimately notified me that the dispute was closed, and resolved against me/not in my favor providing a generic response stating that merchants sometimes charge for additional charges such as a cleaning fee during a rental. Again the cleaning fee was fraudulent, unjustified and unauthorized being that the vehicle was clean when it was returned. 
The credit card company also claimed that I did not provide them with a valid credit slip when in fact I uploaded the invoice the rental car company provided me with at the time I returned the rental car. 
I am including a few pictures of the vehicle showing that it was clean, but I can also provide the video which shows the entirety of the vehicle if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 capital one said I was late 30 days. I wasnt I even pulled up there bank statement showing where Ive paid.
Product: Credit card

XX/XX/XXXX [ Approximately ], I called Bank Of America [ Texas } per XXXX about questionable transaction in ordering some products. I was told to cancel that card and she would put in for another to replace that one in case someone may have used my card. When she put through the application, she applied for another type of card different from the XXXX XXXX card I had. I was told to wait for XXXX hrs. for approval to show, for the computers was acting??????, then check and I would see that the application went through. XXXX hrs. later, no approval, XXXX hrs., still no approval. I called back, told to go into an office and it will be straightened out. I went XX/XX/XXXX, was told card will come in the mail in XXXX weeks, teller refused to give little over {$7.00} I asked for from Federal Income tax check I was depositing, must hold it for several days [ not sure how long ]. XXXX days letter came in the mail, card refused unless I take freeze [ they advised I put on acct. in XXXX due card being compromised 3 times ] off at credit report companies. I refused, had this card about XXXX yrs and no late payments with BOA. I made many giant charges, but paid, IRA acct with them, checking acct., and small savings acct also. I was told they would compensate me for wrong and inconvenience caused me and I would get card back, up until XX/XX/XXXX I was not told the truth, but a Rep. [ NY ] said I would not get a card unless I took freeze off. It took a year to learn I will not be given another card, too much time has lapsed. I am and have been ill, but did all they asked, I want my card back. There is more to the complaint, but this is most important.
Product: Money transfers

PayPal limited my account. They claimed I 'violated their user agreement ' -- but would not tell me how I did so. I 'm not aware of any violation. I have {$600.00} in the account and PayPal will not release it for XXXX days -- saying that they need to hold on to the money in case of 'charge backs '. But I have no pending transactions and I 've not sold anything using PayPal for months.
Product: Credit card

I reported fraudulent activity on my credit card in XX/XX/XXXX. I notified Barclay about the fraud via telephone call. They Sent me a new card. Since then I have received nothing in the mail nor a phone call acknowledging the fraud or that they are working on crediting the account. I called on XX/XX/XXXX and they advised they're working on it. Now XXXX months after my follow up call I am still waiting for a credit of the charges or at the very least, an update to my fraud review. It's not a large amount so I'm not sure why it is taking so long.
Product: Credit reporting or other personal consumer reports

As of today, XX/XX/2024, my credit report shows my balance as {$30000.00}. 

The correct balance is {$29000.00}. 

The incorrect reporting is causing my credit to be lowered significantly. 

The Fair Credit Reporting Act states in 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

Update my balance.
Product: Credit reporting or other personal consumer reports

My current credit report has a listing and or listings in which has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me letters which states that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collects information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. District Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My request to the U. S. District Courts confirmed Equifax has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number, date of birth, and/or address to be PERMANENTLY DELETED from my credit report immediately. 

The Equifax needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report along with my authorization of release bearing my signature. To be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my social security number, date of birth, and/or address. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I have already filed a complaint to the Federal Trade Commission and will follow with a Consumer Financial Protection Bureau claim if you fail to respond within 30 days of receipt of this dispute.