23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did an online loan back in XX/XX/XXXX with XXXX XXXX for {$640.00}. However financial issues came about and i couldnt make payments so the loan was sent to a collection agency called AD ASTRA RECOVERY SERVICE located in XXXX KS. I contacted them back in XX/XX/XXXX with a {$400.00} offer to settle this debt same day right then and there on the phone. The representative was nasty and rude and would not take me up on my offer. He constantly stated i have to pay 30 % of the total loan when i constantly assured him i have {$400.00} to settle this debt today so i could be done with the calls and reporting to my credit reports. This account is in collections and is stopping me from buying a home. After asking to speak with management more than once the representative tried to pose as If he was the manager. My fianc and I repeatedly stated we have {$400.00} right now to settle the debt and he negatively refused and claimed that i agreed to pay almost {$880.00} to settle the debt which i never did! I constantly stated {$400.00} which the calls Im sure are recorded so you will hear that. The interest is now up to {$1200.00} on the collection account. I should not be recieving any calls when i already tried to settle this debt for {$400.00}. This company does not want to work with its customers trying to correct their mistakes when they have the chance too
Product: Checking or savings account

I noticed a charge on my account. I reached out to the vendor listed to inquire about the charge. The vendor was " people finders '' an online data collection group. I also went online to see if I could locate an account with them, and there was no established account. I then called the vendor and explained the situation and asked that any information shared to investigate not be entered into their system. The operator hung up on me. Thinking this was an accident I called back and the same happened. 

I then went on to my BoA mobile account to try and dispute the charge. The only option was to cancel the card. I thought this was unusual as other financial institutions offer other remedies for problems. I called and explained the situation to the customer service representative. While he was very understanding he said the only thing he could do was cancel the card. I told him that this would be inconvenient, and others offer a refund of the funds and a block on that vendor moving forward. He said he could place a block on the vendor moving forward but could not refund my money. I asked to speak with a supervisor to explore other options. The gentleman was kind and move to the next level. I spoke to the supervisor and she said this " was the best option '', so I asked what were the other " less desirable '' options. She told me there were none and that the choice was made in the interest of the bank. I told her as a loyal customer ( over XXXX years ) I would hope they would make decisions based on what was in the best interest of the consumer as well. I then asked to file a formal complaint and was told that the customer service rep would " file it on my behalf ''. I then asked to receive a copy of the formal complaint. I was told that was not possible. I asked her to speak with her supervisor. I was told she was unavailable and she would call me back. The supervisor did call me back and told me I could receive information on a complaint and follow-up and apologized for not being offered that option. I asked again if there was any option that could be explored to refund my money without canceling my card. Again I was told to protect the bank this was the only option. She then described that even with a stop payment request on my account I may still be charged as it is an issue with XXXX. Then I asked why that option is offered and that was meant with silence. When I asked how much money does BoA lose every year from this glitch between XXXX and BoA, she was unable to answer that question. I thanked her and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

having issues getting my credit report sent equifax information they have not responded
Product: Debt collection

Capital One is reporting to XXXX  a debt sold to XXXX XXXX XXXX XXXX XXXX  XXXX that has been dismissed. I have received a Request for Dismissal from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  California. This debt is hurting my credit score and also is showing as Derogatory on my credit report. I would like this debt be deleted from my Credit Report as soon as possible. This debt is considered a charge off by Capital One, and should be deleted my from credit report.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5500.00} XX/XX/XXXX XXXX XXXX XXXX  {$380.00} XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

The XXXX XXXX XXXXXXXX attempted to take tuition payments directly from me after I withdrew instead of deducting the payments directly from the students ' loans. ( I currently have the Borrower Defense Application Against them ) I withdrew because the quality of education I received from the XXXX XXXX XXXX was extremely poor, the instructors would not help me and the courses I took at the school are pointless as my former and current employer will not accept them because the school is not accredited and the degree courses are not accepted in advancement of careers. What the XXXX XXXX XXXXXXXX is doing is illegal! You can not send student loan money in the form of a loan directly back to the lender and go after the borrower for collection. The XXXX XXXX XXXXXXXX broke the lender borrower contract without the me even XXXX would like the XXXX to remove the student loan information from my credit reports and cease collection of the all the student loan payments and interest for these courses that I can not even use to advance my career.
Product: Mortgage

I had submitted my Financial Hardship Paperwork to my mortgage company, Selene Finance LP in XX/XX/2023. My husband and I were both temporarily laid off until XX/XX/2023 and explained this in our documents that we supplied to Selene Finance. Despite their written and verbal confirmation of receiving our documents for the Covid-19 Forbearance, they have refused to work with us, refused to process the forbearance, and stated multiple times that they are not required to process the Forbearance under Covid-19, despite the fact that our financial hardship is directly related to loss of income from Covid-19 as well as the fact that the paperwork we submitted to them was during the Covid-19 National Emergency, while it was and still is in place. In addition, Selene Finance has been reporting our late payments as delinquencies to all the credit bureaus, XXXX, XXXX and XXXX, resulting in severely damaging credit scores. We have been yelled at by Selene Finance LP employees for months without any resolution.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding XXXXXXXX XXXX XXXX Failure to Investigate Fraudulent Accounts and Reporting of Inaccurate Information Dear Sir/Madam, I am writing to file a formal complaint against XXXXXXXX XXXX XXXX for their failure to properly investigate fraudulent accounts attributed to my name and their continued reporting of inaccurate information to credit reporting agencies. 

The fraudulent accounts in question are as follows : Account Number : XXXX ; Amount/Value : {$4800.00} Account Number : XXXX ; Amount/Value : {$5800.00} The details of my complaint are as follows : These accounts are not mine, and I have no knowledge of their origin. Despite this, they have been reported as closed or charged-offs with balances, causing severe harm to my credit report. 

To address this matter, I provided XXXXXXXX XXXX with all necessary documentation to prove my identity and substantiate the fraud claim, including my FTC Identity Theft Report, a police report, and an affidavit of identity. 

I was informed that the issue was being handled by their legal department ; however, no meaningful investigation has been conducted, and the fraudulent accounts remain unresolved. 

This ongoing inaction is a violation of the Fair Credit Reporting Act ( FCRA ) and has caused me considerable financial and emotional distress. 

I am requesting the CFPB 's assistance to ensure that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thoroughly investigates these fraudulent accounts. 

Removes the inaccurate information from my credit reports. 

Resolves this matter promptly and prevents any future harm to my creditworthiness. 

Enclosed with this letter are copies of all supporting documents, including : FTC Identity Theft Report Police Report Affidavit of Identity Correspondence with XXXXXXXX XXXX Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is required. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

For reference, the U.S. Bankruptcy Court-XXXX  XXXX reference number XXXX XXXX 

I am filing a formal complaint regarding Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) in accurately reporting information on my credit file. Despite my repeated efforts to address the issue directly with Experian, they have failed to provide adequate validation of a disputed account. 

On XX/XX/year>, Experian stated that the company had certified the accuracy of an account on my credit report. However, they failed to identify the specific company responsible for the certification. This raises concerns about the legitimacy of their verification process. 

Steps Taken to Resolve the Issue : XXXX. Contact with the U.S. Bankruptcy CourtXXXX XXXX XXXX - I reached out to the U.S. Bankruptcy Court-Texas XXXX XXXX which confirmed that they do not report any information to credit bureaus. 
2. Review of XXXX  Records : - I reviewed my XXXX records and found inaccuracies related to the reported account.

3. Inquiry with XXXX : - XXXX confirmed that they did not validate any information from the courts and subsequently deleted the disputed item from their records. 

Despite this, Experian continues to report the account on my credit file without providing clear documentation of validation or identifying who verified the information. 

Violations of the Fair Credit Reporting Act : Experians actions are in clear violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to : - Conduct a proper reinvestigation of disputed information, - Remove unverifiable information from the consumers credit file, and - Provide transparency regarding the source of any validated information. 

Experians response to my disputewithout clear evidence of verificationconstitutes either an error or a misrepresentation. Additionally, if they obtained the information independently, their reporting process does not meet the standards outlined in the FCRA. 

Complaint Request : I respectfully request that the CFPB investigate the following : 1. How Experian verified the accuracy of the disputed account.

2. Whether Experian can provide documentation identifying the company or entity responsible for certifying the accuracy of this information.

3. Why Experian continues to report this account despite the U.S. Bankruptcy Court and XXXX confirming they did not validate or report this information. 





Thank you for your attention to this matter. I trust the CFPB will address this issue promptly to ensure compliance with federal regulations and protect consumer rights.
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 process 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, credit repair services, or other personal consumer reports

ref : Complaint Number XXXX the response from aquifex is unacceptable this is going on for the past 3 months as you can see the date on the fax cover letter to Equifax they need to remove this ASAP
Product: Bank account or service

When I first stated my account with Sterling savings I was asked if I wanted to have my debit purchases continue even when my account was over drawn. I stated I did not want to be able to continue using my card if there was no money in my account raking up huge overdraft fees. Sterling savings became Umpqua bank. I have a business account and I raked up huge overdraft fees because I was not aware my account was empty. I contacted Umpqua and stated that I had agreed to have my debit card rejected if I had no money in my account. Umpqua stated it did not have that policy but I was never contacted that it was discontinued. I also never received advise from my bank stating actions I could take to better monitor my account until after Umpqua had taken XXXX dollars from me.
Product: Credit reporting or other personal consumer reports

I request all late payments be removed from my consumer report, pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ), which states the term " consumer report '' does not include " report containing information solely as to transaction or experiences between the consumer and the person making the report. '' Another exclusion of consumer reports is " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' ( 15 USC 1681 b ( 2 ). The term " credit card '' is " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Credit was extended using my credit card ; therefore the negative reporting of the account is unreportable. The following accounts are exclusions and I request their immediate removal from my credit file : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Line of Credit ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. Do not report any collections, charge-offs or late payments pursuant to 15 USC 1681c ( a ) ( 4 ) and 15 USC 1681c ( a ) ( 5 ), which state to antedate the report by more than seven years. Section 1681s- 2 ( a ) ( 1 ) ( A ) States, " 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. '' To avoid additional violations of the FCRA I am requesting the following information be updated on my consumer reports as follows ( 15 USC 1681b ( a ) ( 2 ) ) : a. Removal of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Line of Credit ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. b. Removal of all addresses from my consumer report. My location information is : XXXX XXXX XXXX # XXXX, XXXX, Virginia. The burden of proof is on the persons furnishing fraudulent data on my credit file. This whole experience has caused me significant mental and emotional anguish, stress, XXXX loss of sleep, denial of credit, financial hardship, and loss of time.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDXXXX was 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. 


DEPT OF EDXXXX 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: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I contacted Citi on XX/XX/2022 to inform them of a fraudulent transaction on my credit card statement. They asked me to fax a copy of the charge and highlight it, so I faxed the information over to them on the same day. After waiting serval weeks, I got a letter stating that they would not refund the fraud charge on XXXX/XXXX/2022. 


The amount of the transaction was {$6400.00}
Product: Debt collection

Portfolio Recovery Associates keeps calling even when told not to make contact again because the debt is over 10 years old and is past statue of limitations but they keep calling and insisting that they are going to collect. This has been happening through out XX/XX/2018 to the start of XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

**Issue 1 : Account Closures Without Explanation** American Express closed two of my credit card accounts on XX/XX/year>, without providing any prior notice or a valid explanation. The accounts affected are : - Account 1 : Ending in XXXX - Account 2 : Ending in XXXX This action has caused significant inconvenience and disrupted my financial planning. I attempted to seek clarification but received no satisfactory response from the company. I believe these closures were made arbitrarily and without proper justification. 

**Issue 2 : Interest Charges After Account Closure** Despite closing my accounts, American Express charged me interest on the closed accounts multiple times. On XX/XX/year>, I was charged {$59.00} in interest. Additionally, on XX/XX/year>, I was charged {$12.00} for " Interest Charge on Promotional Balances, '' as shown in my statements. These charges are unjustified since the accounts were already closed, and I had previously made payments to cover the balances.