23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX Bank  account in XXXX use until XXXX but account was still open with my mother. over 7 accounts open attach with my main account that I did not know about not including 3 savings accounts. ALL HAD WITHDRAW FEES .... ALL WITH OVERDRAFT FEES FOR NO REASON IN XXXX XXXX. XXXX I TRIED TO CLOSE ALL ACCOUNTS. by phone, in branch. in XXXX or XXXX got a XXXX dollar check for Wells fargo misusing my accounts and an apology letter. but NOTHING HAPPENED to those account as they still sit open so I left and don't use service from that bank anymore. its still active.
Product: Payday loan

missed second payment sent email and called trying to work deal they do n't call email or respond back ca n't make payment because I ca n't log on to account it wo n't work they keep changing terms on site
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern Ive had two delinquent accounts that I paid in settlement back in XXXX of 2019 Ive been challenging these items with the credit bureaus to only have them come back with the account showing I still owe and its several months past due Ive called numerous times to try to resolve this matter but Im always referred to a third party collections agency to only be told they dont even have that account Ive got nothing but the run a round so Im seeking help
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries have severely disrupted my life, leading to considerable distress. I must emphasize that I never gave permission for this information to be linked to my identity, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am due a refund of {$450.00} that they said it was mailed to my correct address on XXXX XXXX 2021 and it will take 10 business days to arrive. It has been over 11 days now and still no check. They wont let me talk to accounting directly and I have spoke to XXXX and XXXX from the Resolution Dept. I explained to them i paid with my ACH Account ending in XXXX and they had no problem taking Payments out even before receiving goods. They said they will send another check and it will take another 10 days. I insisted in over night XXXX XXXX and they refused. Very poor service and money transactions. They use I will email the other department and wait for there response and get back to you. Not Acceptable!!! I should be paid interest on refund.
Product: Debt collection

On XX/XX/18 the company was initially contacted at XXXX XXXX  and a settlement was reached in the amount of {$100.00}. During this conversation the representative agreed to a deletion letter for payoff and provided me the email to whom I could contact to receive immediately or same day. I emailed as directed and received a voicemail from the rep saying he needed to clarify the request and the information was not correct. I have that message recorded. When I called the company back they explained this was not their policy and would only allow in extreme scenarios. I explained I received false information and believed a letter would be provided to update with credit bureaus. When I asked to listen to the calls they selectively said the onset call was not recorded or the audio was lost. However they did let me listen to the call where the rep said he could not provide that letter and there was some misunderstanding. As a consumer we have rights and being told and conveniently selective with evidence is deceiving and unprofessional. This same organization has thousands of similar scenarios with the same people- XXXX XXXX XXXX and XXXX XXXX This is fraud and unacceptable.
Product: Debt collection

Dear Equifax XXXXXXXX XXXX, I am writing to formally dispute the following accounts that are currently reported on my credit report. I believe that the information is incomplete and inaccurate, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The details of the accounts in question are as follows : XXXX Account Number : XXXX Status : Open XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX Status : Collection The reason for this dispute is that the information being reported violates my rights under the Fair Credit Reporting Act. Specifically : FCRA Section XXXX : XXXX FCRA XXXX ( a ), negative information may only remain on a credit report for a maximum of XXXX years, and it must be accurate and complete. 
FCRA Section XXXX : FCRA XXXX ( b ) requires that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy for the information they report. 
FCRA Section XXXX : Consumers have the right to dispute inaccurate information on their credit reports, and the reporting agency must conduct a reasonable investigation into the disputed items. 
I am requesting immediate removal of these accounts from my credit report due to their inaccuracy and incompleteness. Additionally, I am notifying you that I will be CCing a copy of this letter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX, as I am taking this matter seriously and will ensure all regulatory bodies are aware of my dispute. 
Please note that I may reference prior cases where credit reporting agencies, including Equifax, were sued for violations of consumer rights, such as in [ insert relevant case names and citations if available ]. These cases illustrate the consequences of non-compliance with the FCRA and underscore the obligation of credit reporting agencies to maintain accurate records. 
I request that you investigate these accounts and validate the information reported. Unverified or inaccurate accounts should be removed from my report in accordance with the law. 
Thank you for your attention to this important matter. I look forward to your prompt resolution of my dispute. Please confirm receipt of this dispute and inform me of the outcome of your investigation at your earliest convenience.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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

Under the cares act that was signed XX/XX/2020 discount was not supposed to report late payments though it did to my credit report bureau I am requesting removal of late payment history due to the cares act that was signed in XX/XX/2020 there is an error in my credit report
Product: Debt collection

On XX/XX/2019, I rescued a cat and was billed by XXXX highlands ranch in the amount of about XXXX dollars ( I do not have the bill, but was sent this by continental collections agency ). I then made payments of XXXX dollars on XXXX XXXX, and XX/XX/2019 on my credit card. I paid another XXXX dollars in cash on XX/XX/2019. This should have left my balance around XXXX dollars. 
Fast forward to a year later, I was not made aware of this balance and was sent to continental collections by XXXX, and was being charged over XXXX dollars. I do not believe this is a fair debt based on the original amount owed, much less payments which were made by myself toward this debt. I dont believe I have paid this completely, but i do believe my dent owed to the original debtor was less than XXXX dollars This balance has since grown to almost XXXX dollars, and I simply can not pay this. This makes me stressed every day, and I would like to simply pay them XXXX dollars, or nothing, and have them remove this error from my otherwise great credit file!
Product: Credit card or prepaid card

Multiple Erroneous charges to a Bank of america Pre paid card that I never received, Rampant mailthifet on property and have ben advised to report to local police and post office for recording and doctuming incidents Ive Ben a victim of mail thifet and identity thief and some one has Ben using a card from bank of America to use unemployment benefits I alocated in my name.
Product: Prepaid card

I purchased an American Express gift card worth {$270.00} on XX/XX/2023. 
Tried to use it at 5 major merchants. Each were declined. XXXX, XXXX, XXXX XXXX, XXXX and XXXX. 
XXXX {$250.00} XXXX  {$7.00} XXXX XXXX {$220.00} XXXX {$200.00} XXXX XXXX {$200.00} Each time a transaction was declined I called American Express customer service and each agent told me to try another merchant. They said they were protecting my funds and those are blocked merchants. So try another merchant or wait for 24 hours to try again, ( which I did and it still declined ). No more advice for them. They are all saying the same thing and they also said a refund takes 3-4 weeks to be sent out if I request one.
Product: Debt collection

I received an email on XX/XX/XXXX at XXXX stating Garnishment Notification : case file # XXXX for an online loan. After alot of back and forth, the person on the other end of the emails refused to provide me with any further information to identify this " online loan '' not done by me. The initial email of XX/XX/XXXX stated harsh wording, including jail time. I have never taken out an online loan, especially one in question for XX/XX/XXXX. The sender of the emails refuses to provide me with a contact number for themselves. Emails for proof can be provided as evidence if requested. I did advise the sender I have a bankruptcy discharge for all my debt as of XX/XX/XXXX and that debt in question was not mine. The sender is insisting it is mine and claims no identity theft has occurred on my end, so it must be true. 

After reviewing the case file # online, it has been considered fraud and a use of intimidation to get money from hard working people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX partial acct : XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Partial Acct : XXXX .... 
XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX and Loan Partial Acct : XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX  XXXX  Partial Acct : XXXX ... XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.S. Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit card or prepaid card

XX/XX/XXXX : my bank noticed some fraudulent transaction had undergone XX/XX/XXXX : I have received a letter from the issuer of my credit card that they had placed a restriction on my credit card account until they can confirm that there is no fraud occurring XX/XX/XXXX ; The bank contacted me to sent them : ( a ) a copy of utility bill ( b ) a copy of bank statement ( c ) a copy of current rental agreement XX/XX/XXXX : I received a suspicious call that asked and asked me security code of my credit card XX/XX/XXXX I reported the incident to the customer service of the bank - At the end of XX/XX/XXXX i have noticed a payment from checking account to this credit for I had autopayment - I have ordered my bank to cancel the payment, and call and talked to the issuer of the credit card - I was told that over {$11000.00} was purchased by my card - They sent me the bank statement from XX/XX/XXXX. And I reported to the Fraud Department all the transaction were fraud but they didn't make the balance XXXX for there were unreported fraud transaction back from XX/XX/XXXX. 
- So I requested the customer services to send me the statements of some months from end of XXXX - I have learned that there were remaining fraud activities in XX/XX/XXXX whose total amount is about {$2700.00} - However, the fraud department rejected my claim repeatedly and advised me to pay it while themselves noticed such fraud transactions as the mail I got on XX/XX/XXXX and XX/XX/XXXX indicated
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights XXXX  account XXXX XXXX has violated my rights XXXX  XXXX XXXX account XXXX XXXX has violated my rights XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) account 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 Sates : 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 ) Section States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Some how when I logged into PayPal I had a credit check run on me and auto signed up for a line of credit and had and purchase charged to it when all I wanted is for my account to stay the same linked to my account with no want or need for a line of credit. Very deceptive and sneakily sucked me into this account.
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. Ive lost around {$31000.00}.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2020 I've sent disputes for those unknown and inaccurate accounts that I found on my credit report. It cause me stress because it's almost 90 days now but I haven't received any response. I demand for the deletion of those inaccurate or unknown accounts or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l have the right to privacy.

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

Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX Last Payment : XX/XX/XXXX Balance : {$1400.00} Original Creditor : XXXX XXXX It was placed for collection and I did not receive any letters from the collection agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  loans that I took out in XXXX and XXXX were paid off by XXXX. They have reappeared on my credit report in XXXX or XXXX with a different servicer the amount reported is the amount of the original distribution. My original loan servicer was XXXXeducation and there is a KNOWN issue with loans they serviced between XXXX with MY EXACT PROBLEM. I can't get the credit bureaus to take the XXXX loans that are being reported as a debt of almost {$20000.00} that I DONT OWE. I have sent every document I can get my hands on to no avail. The department of education lists the four loans with a XXXX balanace. The loans were reported as defaulted so they were managed by the debt resolution group or something. Somehow that particular department has XXXX out my account but I cant get it off my credit report. 

From the consent agreement XXXX ( now conduent ) : -Respondent previously conducted business as XXXX Education Services . 

-From at least XXXX until at least XXXX, however, certain adjustments had to be processed manually by a trained loan processor. Not all CES processors were trained to make manual adjustments. 

-In the interim, Affected Loans remained unadjusted with potentially incorrect principal balances. 

-Eventually, over XXXX packets of Affected Loans were in the queues for adjustment. 

XXXXRespondent was also aware that unadjusted Affected Loans that were transferred to other servicers from XXXX to XXXX might have had incorrect balances, but Respondent did not inform the Affected Borrowers or the relevant servicers. XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a serious issue involving the compromise of my Social Security number, resulting in identity theft and unauthorized activity on my credit report. To address this matter, I have already contacted the Federal Trade Commission and filed an FTC report, which is enclosed for your reference. 

Under 15 USC 1681c-2 ( c ) ( a ), you, as a credit reporting agency, must promptly block and remove all information related to this identity theft from my credit report. This law requires that such requests be addressed within four business days of receiving the complaint with the following information : I am formally disputing any unverified or inaccurately documented information on my credit report, in accordance with the FCRA and Metro 2 data field reporting standards. Allegations of delinquency and derogatory information must be factually verified as required by federal and state law to prevent illegal reporting. 

Please ensure that all claims comply with the Metro 2 reporting standard and provide physical, verifiable evidence supporting the account 's existence and legitimate use. If such evidence is not available, I request the removal of the information from the report, along with authorization to receive documentation of your actions and an updated credit report. 

Accounts and Inquiry being challenged : 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  The unauthorized entries on my credit report have caused significant problems. Here are the legal violations that have occurred : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation of 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports Violation of 15 U.S. Code 1681i ( 7 ) - Method of verification Violation of 15 U.S. Code 1681a ( 4 ) - Right to privacy Violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Checking or savings account

Suntrust bank and XXXX XXXX. I had accounts with both of these banks in the past and I am a struggling college XXXX and eventually they got over drafted and they kept charging me fees and I would call and request to stop charging them but they couldnt do anything about it. Eventually each account go so bad that they each had like - {$1500.00} and- {$890.00} respectively. I kept trying to pay them down but never could. They eventually closed the accounts. I lost so much money to overdraft fees.
Product: Credit card or prepaid card

Chase Freedom Card : I am being charged late fees on waived late fees. It is a rip off and despite speaking with a Chase supervisor, they contend that waived late fees form non waived balances due. In other words, they mislead card holders into compounded new late fees. 

It is what XXXX and day lenders do to run up debt. I hope you can look into this practice and issue them a reprimand or embarrass the company to stop this practice. 

I have been a Chase account holder for decades. This behavior is causing me to rethink my former loyalty and wonder what low income families must be doing when they are faced with similar circumstances. 

Thank you in advance for your potential assistance. 

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

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Collection/Charge Off : XXXX XXXX XX/XX/year> {$6700.00} XXXX  XXXX XX/XX/year> {$0.00}