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

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015, terminated a lease and gave 60 day notice. Fees were resolved by deposit. I was only suppose to be responsible for cleaning fees and past due rent which totaled to {$1100.00}. Credit agency is reporting balance of {$3100.00} and will not investigate.
Product: Bank account or service

Transferring money out of my Santander checking account during a move because of a previous issue ( closing on my mortgage nearly fell through because of them ) I log into the account to see if all the money has been transferred out to close the account only to find out that pending transactions from XXXX and XXXX posted later without my knowledge, as well as {$170.00} in overdraft fees, one of them being a " sustained '' overdraft fee which I was unaware my account had even over drafted. Called customer support many times to attempt to have the fees removed. After hours of talking politely with different support, I was able to remove XXXX. I 'm still stuck with {$100.00} in overdraft fees for {$20.00} of purchases that I was unaware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

data breach we would like the company to check into with XXXX XXXX   and Equifax caused FTC or fcra violation not know to us to the best of our knowledge XXXX repo 4 debt collection doing unfair trade practice collection on a debt not owed to them all violation of the fcra
Product: Credit reporting or other personal consumer reports

Company was served a validation and cease & desist and they violated that. Reporting to the credit bureaus after receiving a cease & desist constitutes as a violation.
Product: Debt collection

I paid my {$53.00} medical bill balance through the XXXX ( XXXX ) portal using my credit card. XXXX, the creditor, inexplicably refunded my payment without any notice or explanation ( note the refund in green on the Credit Card Statement screenshot ; and the refunded note in red on the XXXX screenshot ). Despite making this payment, I was sent to debt collections for the same bill after the refund. 

This action caused my XXXX  score to drop by approximately XXXX  points, with a similar impact on my XXXX score. I have no other unpaid debts, and my financial situation has only improved due to a recent job change. Based on these facts, I believe this credit damage is entirely due to XXXX  mishandling of my payment and the resulting collection report. 

I respectfully request that the CFPB investigate this matter and assist in removing the inaccurate collections report from my credit file. 

Thank you for your attention to this issue. 

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

Ive recently disputed with all 3 bureaus a bankruptcy that they are reporting on my credit report that should not be on there. All 3 bureaus have ignored my letters and have ignored any other questionnable accounts I've addressed as well after learning about the FCRA. 

XXXX XXXX Bankruptcy REF : XXXX is showing on all of my reports and I have a letter from that court attached stating that they DO NOT REPORT that kind of information to credit bureaus. 

XXXX Account XXXX XXXX This violates XXXX5 USC 1681 602A ( My right to privacy ) 15 USC 1681 604A Section 2 ( This furnisher was not given writted instructions or permission )
Product: Bank account or service

Consumer 's Original Complaint : Mass interest defrauding the consumer, paying consumers short on interest XX/XX/XXXX, while their Statements say they have paid interest from XXXX/XXXX/2016 thru XXXX/XXXX/2016 they have paid 1 days interest short to every sinle consumer. while telling the consumer it is correct. I have finally reached a manager XXXX XXXX, who has now admited this is in fact the case. It has been my suggestion that they need to pay every customer the short payment immediately, and this should be correct going forward. I really believe Synchrony Bank should notify every consumer accordingly on their web Site. They keep calling me, and still argueing, their Web site does not work either most of the time, see XXXX consumer complaints on line APR is also incorrect should be 2.30 % not what they are paying at all. 

Consumer 's Desired Resolution : Pay me and every other consumer this short paid interest immediately without delay, and generate corrected statements. We are talking about so much defrauding of the consumer. Only when I said I am going to contact a class action lawyer did they get a supevisor, and she then admitted they had a problem Not only that they are telling customers they are paying a vcertain APR, and not paying that amount at all. This is on CDS and IRAS,
Product: Payday loan, title loan, personal loan, or advance loan

I had a Kickoff credit builder plan. I paid every month on time. My final month, I requested it to be closed before my due date. The company waited until the next billing date to respond, and then closed my account with XXXX late payment. I tried to resolve the issue, but the company refused to remove the false late payment. To add, I never borrowed from them, yet I have a late payment. I feel they did this because I was ready to stop service. Anyone can cancel service at any time, and I tried to do so. This is contributing to not being able to purchase a home for my family. This is a service that you pay for out of pocket for credit reporting service, not an actual loan service.
Product: Debt collection

Cavalry SPV I , LLC through its lawyers XXXX XXXXXXXX XXXX garnished my bank in XX/XX/XXXX and again in XXXX for money not owed to them. I had petitioned the Court to strike the Default Judgements XXXX XXXX XXXX. obtained without notifying me with a required Certified Mail 10 days notice. Both petitions were granted for the Judgements to be striken. However, XXXX XXXX XXXX still did not reimburse me for the {$250.00} fees I lost due their attempts to steal from my bank account. It caused me to suffer {$250.00} in loss for non refundable bank fees and have refused to repay it. They also damaged my Credit Report and have refused to compensate me for the damage on my reports since XXXX.
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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

I logged into my account today and notice there was a late charge on my account. I received an email from Capital One advising my payment had not been received - at this time I did n't know that Capital One had charged me a late fee. I called Bank of XXXX back in XX/XX/XXXX to inquiry why payment had not posted yet. The bank stated the credit card company rejected my payment and did not state why. After witnessing this late fee on my account, I contact Capital One to remove this fee. Capital One stated to me the fee will not be waive even though I have not had any late payments. I never call in and request anything from this Bank. I have received poor customer service. The bank does not care about their customers customers, no matter how loyal you are to the bank. I have been with this bank for years and I always have issues with the level of service. It has me serious thinking of closing out this card and going with another bank. It is not my fault the bank rejected my payment - it is on Capital One. Why am I being held accountable for their mistake. I called my bank and requested a letter explaining the reason for rejection. I was informed the letter can not be generate due to Capital One not giving a reason for this.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with TransUnion 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.

TransUnion 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, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 


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 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 or other personal consumer reports

On XX/XX/24 a complaint was filed with CFPB regarding Equifax and the bureau 's improper investigation into DEPT OF EDUXXXXXXXX XXXX loan account. Since then, Equifax has continued to stall reinvestigation by sending me a letter dated XX/XX/24 requesting proof of 2 different forms of identification stating that they are " unable to locate credit file '' after they have reportedly responded to CFPB stating that they are still investigating this account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. One of my bank accounts were closed due to someone fraudulently sending me Zelle and all of my money was taken.
Product: Debt collection

Northstar Location Services continually calls my employer after I told them not to.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection.

According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX/XXXX  Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX, XXXX, NC XXXX Account # XXXX and Account # XXXX and Account # XXXX for failing to respond to my credit dispute within the legally mandated 30-day timeframe, as required by federal law. Despite submitting my dispute on XX/XX/year> and responded on XX/XX/year>, Bank of America and XXXX has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting. 

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful. 

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within 10 business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office. 

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 

Thank you for your time and attention to this matter. 

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

I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX IXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

Amendment to XXXX. I asked about the extra payments and was told if I was late, the interest is more. I responded that I understood, but that is at the end of the loan, and they did not seem to understand. I realize that I have a fixed price I paid upon the car, and that interest compounds. If the company says I owe this much, and then I pay it, then tells me a few days later that I missed a payment? Because they added a payment to my account, that is not acceptable. Anything extra should be put into the payoff payment...
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2400.00} Account Name XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$940.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$8300.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$8300.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$27000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$27000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$27000.00} Account Name : XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2400.00} Account Name : XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2400.00} Account Name : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$590.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$940.00} Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$940.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$590.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for 7 months now. EXPERIAN has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX  XXXX everywhere and also Synchrony Bank they have constantly harassed me I have to call month after month and I am getting sick from it I have an XXXX XXXX that I need to avoid stress as much as possible and they keep stressing me out because nothing gets resolved, I pay my bills on time so I dont have to get stressed out about bills.