23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2016, while checking my accounts with Wells Fargo in relation to some other open issues, I found some unknown charges on my credit card. I called Wells Fargo to report these charges and work out the details of resolving this issue, but I was met with the same useless " customer service '' people that have terrible attitudes, and generally refuse to do or be anything helpful.
Product: Credit reporting or other personal consumer reports

I am so exhausted I've been trying to correct things with Experian, TransUnion and Equifax but it's no response no reply nothing! I sent so many letters certified and I still get no response. please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within 30 days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts. please help me as these aren't my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries reporting to my Credit Report that were not made by me. The inquiriesconsist of : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX, XXXX XXXX, Personal Inquiry date : XX/XX/XXXX XXXX, Personal Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXXINQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXXXXXX XXXX XXXX  INQUIRY : XX/XX/XXXX Creditor Date XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX BANK XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX  XXXX Bank XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I had sent letters to Experian for them to accurately verify accounts on file and they have not done so. I sent a letter to them and they sent an email back to me asking me to send my ID and other verification to complete dispute process. I sent the ID, Bank statement, name, social, address for past two years, and date of birth that you said was limited regarding the dispute on XX/XX/2024 and I have proof of that as well, the second written notice on XX/XX/2024, and copy of my social security card. I sent this over on XX/XX/2024 at XXXX XXXX, which I have proof, but never sent the updated information or how, when, who, what confirmed/verified/updated the account. I started getting notifications about my disputes in question and things still being reported through my email that I sent certified mail to them asking them to accurately verify and request. These type of things hurts my credit score and credit report tremendously and lowers my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date Opened XX/XX/2021 Balance : {$410.00}.
Product: Credit card or prepaid card

Hello, I requested Elan Financial Services ( in XXXX ) to adjust the XXXX billing cycle and due date to reflect the XXXX instead of the XXXX. 

XX/XX/XXXX- I called to have the monthly due date changed from the XXXX to the XXXX. CSA at Elan said we can do the XXXX. XXXX late fee was reversed. 

XX/XX/XXXX- I paid minimum due of {$290.00} and saw late fee applied as due date still the XXXX. CSA at Elan said to call back in a few days if late fee not reversed. 

XX/XX/XXXX- I noted late fee not reversed. CSA at Elan said there's nothing they can do. 


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

CFPB In accordance with Fair Credit Report Act XXXX Acct # XXXX has violated my rights 15USC 1681 Section 602 A states I have a right to privacy.

15 USC 1681 Section 804 # 2 consumer reporting agency can not form a account without my written instructions.

15 USC 1666 B a creditor may not feed a payment on a credit card act under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

The company cash app has been taking money off of my account that was registered under the email " XXXX and the phone number ( XXXX ) XXXX. 
On XX/XX/2023, my sister sent me {$75.00}, 12 minutes later Cash App deducted {$40.00} and the deducted {$27.00} then deducted {$7.00}. I then contacted cash app via chat support which is the only way this company has for customers to contact for support, I was told by one of the support persons via chat support that it was taken out for a charge from XXXX that was never settled, on the date of XX/XX/2023 ( {$7.00} ), XX/XX/2023 ( {$27.00} ), and on XX/XX/2023 ( {$40.00} ). 
On XX/XX/2023, my son 's father sent me {$150.00} to buy him items need. cash app also took the money. they took it in increments for what I was told unsettled transactions from XX/XX/2023 ( {$62.00} ), for XX/XX/2023 ( {$31.00} ) and for XX/XX/2023 ( {$53.00} ). I was told again these transactions was unsettled from XXXX once again via cash app support via chat. 
I then reached out to XXXX for my self regarding the transactions XXXX stated they did not have any unsettled transactions for me and that the date of my purchases those transactions went through on those days. 

I then contacted cash app again to let them know what XXXX said and then support said that they will send, a copy of my ledger or transactions via my email on file that I did not ever receive so on XX/XX/2023 I closed that account with cash app to prevent further stealing and scamming from this company. 
I then proceeded to look online on XXXX and saw several other ppl complaining about cash app taking their pay checks and fixed income checks from the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of this year I 've asked all three credit bureaus to please provide verification of about 7 accounts on my credit report. I 've sent more than 4 different requests to provide this verification over the last few months but I get the response that they have been verified. what I 've been looking for is a signed contract with the creditor or application I signed for this credit but they just respond that they are verified. Frustrated because I do n't believe they are really verifying those accounts and they are not mine. they wo n't delete the accounts from the reports or send me the required verification seriously impacting my interests rates
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Experian, XXXX XXXX and XXXX : XXXX XXXX XXXX, XXXX XXXX TX XXXX : XXXX XXXX XXXX, XXXX XXXX GA XXXX : XXXX XXXX XXXX, XXXX XXXX PA XXXX Subject : Dispute of Incorrect Student Loan Reporting Under FCRA & HEA To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report regarding a student loan account that has been incorrectly reported as late/missed/placed in collections. According to my records, all my student loans were in good standing and were paused due to the federal student loan forbearance program implemented under the XXXX Administrations relief measures. 

Account Details : XXXX XXXX Name : XXXX of XXXX Account XXXX : XXXX Type of Loan : [ Federal Student Loan / Private Student Loan ] Date of Reported Late Payment : XX/XX/XXXX Legal Violations : Violation of the Higher Education Act ( HEA ) 20 U.S.C. 1087e ( f ) : This law states that federally paused student loans should not have been reported as late or delinquent during the forbearance period. 

If my loan was covered under this program, then any negative report is a clear violation of federal protections and must be removed immediately. 

Violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX ( a ) : Loan servicers and credit bureaus are required to report only accurate and verifiable information. 

Because my loan was paused under federal relief, any late payment reporting is factually incorrect and must be corrected or deleted. 

Failure to XXXX Proper Investigation XXXX XXXX. XXXX ( a ) ( XXXX ) : If the information can not be verified, it must be removed from my credit report. 

Requested Resolution : Given the federal laws protecting my student loan from improper reporting, I demand the following actions : XXXX deletion of the incorrect late payment or derogatory account information from my credit report. 

Written confirmation that the disputed account has been corrected or removed. 

Reissuance of my corrected credit report showing the removal of the negative mark. 

Supporting Documents Enclosed : Copy of my credit report with the incorrect account highlighted Copy of any loan statements or correspondence proving my loan was in forbearance Copy of XXXX XXXX loan pause policy for reference Please consider this letter as a formal dispute under the FCRA. I expect a response within 30 days, as required by law. Failure to correct this inaccurate reporting XXXX result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or legal action for damages caused by this erroneous report. 

Thank you for your prompt attention to this matter. Please provide a written response confirming the resolution. 

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

Accelerated Recievable Management Inc was reporting an outstanding {$25.00} balance they claim they purchased on an old school loan. Company was sent a certified letter on XX/XX/18, delivered and signed for XX/XX/18 and cashed XX/XX/18. 
On the check it was clearly stated cash to delete, along with this a letter was submitted asking them only to cash if they would delete acct completely within 30 days from all credit bureaus. Account is still showing on all credit reports violating the contract which became a contract upon cashing of said check. Also no corispondence whatsoever from said company.
Product: Credit card or prepaid card

I have had these two credit cards for many years, but between XX/XX/XXXX and XX/XX/XXXX,  besides my own medical and dental bills, I was taking care of my elderly mom and got my two Mastercard credit cards with Capital One maxed out. Approximately a year ago I requested that Capital One please freeze my accounts, stop all interest, and let me continue to pay on the principal balance. They would not agree to that. I also offered a {$12000.00} payoff v. the balance of approximately {$16000.00}, and they would not agree to that either. 

I was on a plan for lesser payments, but ultimately they kept requiring me to catch payments up, including late fees assessed for not making full payments, and of course interest. The amount of interest being charged monthly is more than the payments I was making. I tried to settle with them, but nothing has worked. I can not afford an attorney for bankruptcy at this time, and their payment requirements are now beyond reach. 

I was going to utilize another credit card for a no interest period, but my credit has been destroyed and my other card now has only {$1000.00} available, not the {$12000.00} I had available when this started with my trying to settle with them over the last year or more. 

I have now paid so much interest that I have more than likely paid at least half of what would have been the original balance. I would like to see if you can help in any way. I think Capital One should have let me pay on the principal balance and stopped any interest from accruing. 

According to our Constitution, interest is not legal, and maybe some day that can be enforced again, but I would ask at minimum that they reduce the balance due by removing all interest they have charged me, at least for the last year or so that I have been trying to work with them, and also late payment fees while I was making the lesser payments they agreed to.. 

They told me it would save my credit report if I made the lesser payments under their plan but obviously that has not been the case. 

I finally stopped making payments because, as I said, the interest continued to be more than any payment I would make. Since discovering MasterCard is also providing funds for the invasion of illegal immigrants into our country by providing them with prepaid debit cards, it is my feeling that they should release all debt and clear my credit report. 

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

I have previously disputed the accuracy of the information for the two closed at my request and paid in full, XXXX XXXX XXXX accounts, with all CRAs ( Experian, XXXX, XXXX ) and XXXX, however, the information remains on my credit report. This continuing reporting of negative and inaccurate information is adversely affecting me despite an excellent payment across accounts. 

Account number # XXXX Account number # XXXX The specific areas of discrepancy across the CRAs are highlighted in the attached 3 credit bureau report and listed below. 
Date opened High credit Credit Limit Last reported Date last active Date of last payment Late payments reporters in the months of XXXX and XXXX of 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX  XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$380.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXX
Product: Debt collection

The date is showing XX/XX/2021. The amount is for XXXX with XXXX XXXX XXXX XXXX XXXX XXXX. I don't understand why they charged me XXXX for an ambulance ride that I didn't call myself so I feel like I should not be charged without having that option and to go only 5 miles is my biggest concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX have 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 reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters on XXXX-18. The letters was received on XXXX-18. They state that they have verified the information with the party. But I have certified letters from the party stating otherwise and I also have a security freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Sallie Mae, regarding my student loan. I noticed last year that there was a dispute that was under my name that I had not disputed, causing my credit score to plummet. They had a dispute for my sister, but falsely claimed that I disputed this account. 
My consumer credit file again has been affected by the inaccurate and unauthorized disclosure of my personal nonpublic information, shared with a third party, the Credit Reporting Agencies. My consumer rights have been violated and Sallie Mae Bank has violated the FCRA. The payments that I have made on these loans have been misapplied, my account is showing to be incomplete, and missing accounting history. 

The consumer reporting agencies are bound by the FCRA to maximum accuracy, which clearly was not done here with the reporting of this account. Both companies have conspired together to cause financial harm in reporting payment status as being late, violating 15 USC 1666b. In addition, Sallie Mae has also violated me, the consumer, pursuant to 20 USC 1232g, the privacy act of 1974 and my educational rights.
Product: Mortgage

I'm presently in a Chapter XXXX Bankruptcy Case Case No. XXXX. 
My attorney XXXX XXXX XXXX of XXXX XXXX XXXX who had filed and handled my case has retired. I notified the servicing company Fay Servicing LLC. who handles the servicing of my mortgage of the current change. I was informed by my account manager XXXX XXXX that until they receive a letter from my previous attorney who has since retired on his official letterhead that they will not be sending any statements to me including my IRS 1098 statement that will be needed by me in the next couple of months. I forwarded a letter to Mrs. XXXX regarding this as well an email forwarded by Mr. XXXX. Mrs. XXXX was adamant in the fact that none of the documentation was sufficient and that they would still be forwarding all documents to a law practice that is closed even though knowing that I will not be receiving any important documentation regarding my mortgage.
Product: Mortgage

I have mortgage through XXXX. I also have a separate personal loan through XXXX. They were both transferred to Bayview Loan Servicing. During this transfer they listed my other loan as a second  mortgage, which it was not. I had contacted you about this before and the Mortgage was separated from the other loan. Bayview Loan has now become Community Loan Servicing LLC. They also have this separate loan listed as a second mortgage. I need some assistance on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all three of my credit reports, it shows incorrect name, address, and phone. I have tried to correct the information with each of the credit reporting agencies, and they refuse to make the correction. My credit has been severely damaged by information that does not belong to me or has my correct name. I have also been denied new credit and turned away from a job because of this false information. I am at the end of my rope and thought the best thing to do is to come to your agency for help. I am asking for assistance in forcing the agencies, XXXX, Trans Union, and XXXX to immediately correct this information so that my credit score can be greatly improved.
Product: Credit reporting

This is my XXXX dispute regarding erroneous information on my credit report which the agency has had over 30 days to investigate and has provided no proof of said investigations which has willfully defied the FCRA and FDCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/Lane Bryant has violated all of my federally protected consumer credit rights. They closed my credit card account fraudulently, and without warning, or explanation. They fraudulently pulled my credit reports without my consent. I have been denied credit cards, and loans, due to them closing my account, and fraudulently putting inaccurate credit information on my credit reports. Pursuant to 15 USC 1692d, Comenity Bank/Lane Bryant has tarnished and abused my reputation with their fraudulent consumer reporting tactics. 

On XX/XX/2021 I sent them my Invoice for violations, Cease and Desist, Affidavit of Truth, and Exhibits via certified mail. They are attached in this complaint. 

I am currently waiting for their response/resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I am looking to update my credit report the proper way and correct a few errors I have found. First up I do not live at the following addresses : 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 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 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