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

I have disputed errors on my credit report two times with transunion. Once on XX/XX/XXXX and again on XX/XX/XXXX. Each time I disputed that I had not made payments on this account ( I have been making payments since XX/XX/XXXX ). I also disputed that the account was still open not not paid off in full which it was XX/XX/XXXX. No action to remove the missed payments or to show that the account was closed occurred. When I called the transunion customer service line they did not assist me so that I could upload additional documentation. I was transferred multiple times, each time the new representative would pass me off to someone new. I have documentation showing that I've made payments since XX/XX/XXXX monthly until XX/XX/XXXX when the account was paid off. The original creditor was the U.S. Department of Agriculture as a government overpayment ( original amount {$7700.00} and they sent my account to collections thru XXXX I have been making all payments thru XXXX and on XX/XX/XXXX I paid off my debt with them. I just want to information to be updated so my credit can be an accurate reflection of what has occurred.
Product: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Fraudulent Charges {$29.00}
Product: Mortgage

I have been trying to do a short sale for almost a year. The bank seems to think that I can afford the mortgage and they keep forcing me into a modification. I am desperate as I can not afford the mortgage, the bank is being unreasonable and I have had several offers on the property for the current market value, but the bank is trying their hardest to set me and my family up for failure. they are not doing what the government says the lender should to provide alternatives to me as a homeowner. Now they are talking about foreclosing if I do not sign off on a modification. I thought that the bank was supposed to assist me with foreclosure alternatives? If so, they are failing miserably.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX is the only one of the three credit reporting bureaus that continues to inaccurately show I have two outstanding student loans both with FedLoan Servicing : {$130000.00} and {$27000.00}. 

In XX/XX/XXXX, all of my US Dept. of Education student loans were transferred from FedLoan Servicing to XXXX. 

In XX/XX/XXXX, two of my loans ( the two at issue for {$130000.00} and {$27000.00} ) were forgiven and discharged under the Public Service Loan Forgiveness ( PSLF ) program. ( My remaining loans were forgiven shortly thereafter ( XX/XX/XXXX ) under PSLF ). 

XXXX and XXXX correctly show that all my federal student loan accounts were fully paid and closed. Yet XXXX refused to update their information, which is resulting in a lower credit score with XXXX. XXXX stated it contacted FedLoan Servicing, which confirmed that I owe those two student loans- even though FedLoan has not reported any new information since XX/XX/XXXX ( consistent with when my loans were transferred from FedLoan to XXXX )! Further, FedLoan could not have confirmed the accuracy of such loans because those loans were transferred to XXXX six months before they were forgiven. In fact, when I call FedLoan, they state they can not help me at all because I do not have any account with them. The run around is maddening. And XXXX staff are clearly not being truthful in their investigation statements.
Product: Credit card

My macy 's credit was misused on XXXX XXXX, 2015. There were XXXX fraud charges : {$1.00}, XXXX & {$2700.00}. Those charges were made outside of XXXX. I was notified by Macy 's consumers protection on XXXX XXXX, 2015 and I immediately denied those charges. Then, I received a form called " statement of fraud '' from Macy 's Investigation Department by asking me to fill it out. I filled out the form and mailed it on XXXX XXXX. I also filed a police report at XXXX XXXX, XXXX where I resides. On XXXX XXXX, I received a letter from Fraud Investigation Department that they received my statement of fraud and it will take 60 days to resolve the issue. However, on XXXX XXXX, I received a letter that stated that my statement of fraud was not received by Macy 's Fraud Investigation Department and I will be responsible for those charges. After that letter, I made several calls and found out that my claim was denied due to lack of document and my claim was closed. I was shocked because it is not what it said in XXXX XXXX, 2015 letter. I even questioned how this investigation was carried out because I was a long time loyal customer of Macy 's and I have never bought anything beyond {$300.00} at Macy 's. Second, all my purchases are in XXXX and those fraud charges are in XXXX and XXXX. Those facts are very obvious that I am not the one who made those purchases. 

After several calls, Macy 's Fraud Investigation Department is sending another statement of fraud by asking me to fill out again since my first claim was denied and closed. I really doubt that whoever did the investigation for my claim just did NOT use the common sense to investigate. Everytime I called to Fraud Investigation Department, I was talking to a different person. It is very frustrated and very painful process because I had to explain my situation again and again to a person whoever came to answer my call. It seems to me that even the manager at Fraud Investigation Department that I spoke to, she did n't know what document that I needed to provide when I asked her. She made a lie that she will call me back the next day and she never call back.
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 see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 those accounts 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. 


XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX  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

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy, while Section 604 ( a ) ( 2 ) explicitly prohibits consumer reporting agencies from furnishing account information without my written instructions. Additionally, Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may include adverse information, other than criminal convictions, that predates the report by more than seven years. Furthermore, Section 1681s-2 ( a ) ( 1 ) prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. I request a thorough review of the accounts listed below and demand that any unverifiable or inaccurate information be removed promptly to ensure compliance with federal law.
Product: Credit reporting or other personal consumer reports

Dear Experian Consumer Relations, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate, unverified, and unauthorized hard inquiries on my credit report. I have identified the following unauthorized hard inquiries associated with my Experian credit report : XXXX card on XX/XX/2023 XXXX card on XX/XX/2023 XXXX card on XX/XX/2023 XXXX card on XX/XX/2023 These inquiries are causing substantial harm to my credit score and financial standing, as I have not initiated or authorized any credit-related activities with XXXX card on the mentioned dates. 

I am formally requesting that Experian investigate and promptly remove these unauthorized hard inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). These inquiries are not only inaccurate but also unverified and unauthorized, and as such, their presence on my credit report is a violation of my consumer rights. 

Additionally, please find the details of the unauthorized hard inquiries below : -- -- -- - Inquiry Date : XX/XX/2023 Creditor : XXXX card -- -- -- Inquiry Date : XX/XX/2023 Creditor : XXXX card -- -- -- - Inquiry Date : XX/XX/2023 Creditor : XXXX card -- -- -- -- Inquiry Date : XX/XX/2023 Creditor : XXXX card -- -- -- - I request that Experian conducts a thorough investigation into the accuracy and authorization of these inquiries and takes immediate action to rectify any inaccuracies on my credit report. 

I am aware that the FCRA requires credit reporting agencies to promptly correct or delete inaccurate information, and I expect Experian to comply with these regulations. 

I appreciate your prompt attention to this matter and expect a thorough investigation to be conducted within the time frame stipulated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit card or prepaid card

For the past 4 months I am repeatedly being charged for an item I did not order through my Capital One XXXX card. I have called each month to dispute the item and it 's reported to fraud and removed and then the following month I 'm being charged again for it. So each month I 'm having to call, talk to the representative, then fraud department, close my current card and issue a new number only to have the same charge applied once again to my new card. This has been lingering for months and I 'm getting tired of calling Capital One to resolve this issue. They always say they 'll make sure it 'll stop but this week the company attempted to charge me again twice in one week! The first attempt was on Monday, XXXX XXXX, 2017 and the charge was declined because I 'm almost a my full credit limit so the charge was denied. Then yesterday, XXXX XXXX, 2017 they merchant attempted to charge me once again but as I stated previously at being near my limit it was declined once again. It seems this merchant is being more and more aggressive with their attempts to charge me. I called Capital One XXXX today, XXXX XXXX, 2017 to inform them that the same merchant attempted twice to charge me. Capital One has admitted that they can block this merchant and have confirmed they have done so with my account but yet this continues to happen each month. Now with the merchants more aggressive tactics I 'm scared it will get worse, so I 'm hoping reaching out today and reaching the correct channel will finally resolve this issue once and for all.
Product: Prepaid card

1 ) Vis  a  does not disclose a human contact number for its 'giftcardmall.com/mygift '. I had to find a corporate number and i was told to enter  XXXX  # twice on the automated phone line to get human help. No option on the phone system to get human help  2 ) Visa doe s not disclose they do not do business with the  XXXX  website or the  XXXX  company itself. Instead  XXXX  declines the transaction and says the card does not match the customer registration name forcing the customer to try and contact the company. ( I.e. #  XXXX   ) 3   ) V  isa 's em ail complaint system limits consumer coplaints to  XXXX  characters.    4 ) Visa  's 'I am not a robot ' system is designed to frustrate customer to give up on their complaints.    5 ) Visa  's human rep speaks  XXXX  poorly and then become aggressive at end when consumer does not hang up first, but is waiting to see if there is a customer satisfaction survey at end of call.      *** Visa  needs to publish an online black list of businesses they do not do business with so customers do n't get declined when they try to do an online purchase.
Product: Credit reporting or other personal consumer reports

I have no knowledge of any of these accounts thats reported on my credit reports. 

I am a victim of human trafficking of debt bondage and would like for all the listed accounts to be blocked and deleted from all credit reporting agencies. Please delete the following accounts : ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) PNC BANK ( XXXX ) XXXX  XXXX As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed, and a letter from an advocacy group helping me due to human trafficking debt bondage, which falls under trafficking according to trafficking debt final rule 1002.142 ( b ) ( 4 ) -1002.142 ( b ) ( 7 ). I am kindly requesting that you blocked this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today on XX/XX/2018, I attempted to dispute inaccurate addresses online with the credit bureau Experian. I was only able to dispute one inaccurate address. I call decided Experian. I provide my current and accurate address but Experian still refused to remove the inaccurate addresses.
Product: Debt collection

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment is a kind of fraud. According to my research, the federal law 15 USC 1605 ( a ) finance charge is defined as a " sum of all charges '' so there should be no late payments are to be reported on my credit report.
Product: Debt collection

I received a notification about a debt when I was not even notified about the bill. There is no way I could have payed before it was brought to the debt collections. Not only that but I did not receive services of any kind on XX/XX/year> let alone what I am being billed for in the first place. It is an unfair bill that I am not responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Experian and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on Experian and XXXX date of last payment is not correct on Experian credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my certified stamp when I sent letter to Experian and XXXX. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1600.00}
Product: Checking or savings account

On XX/XX/XXXX I made a purchase for XXXX wigs from XXXX for XXXX. On XX/XX/XXXX I received an email from the merchant that they did not have enough product & would refund in XXXX days. In XX/XX/XXXX I received another email that said it could take up to 30 days. On XX/XX/XXXX I filed a dispute with my bank USAA & gave the emails from the merchant. At that time I received a credit. I received an email on XX/XX/XXXX that said it was closed because more info was at said it was closed because more info was needed & the credit was reversed. A rereview was submitted that same day. I resubmitted the XXXX emails from the merchant again. The next day on XX/XX/XXXX I received another email stating that I resubmitted the same documents & there was no error found from the merchant. However, in both emails the merchant acknowledges that I would not receive what I ordered & to go through my bank to get my refund faster. On XX/XX/XXXX I called back again & spoke with a USAA manger who told me there is nothing more that I can do. I called back & spoke with another manager who told me that a dispute analyst would call me within XXXX business days. I received a call today, XX/XX/XXXX, at XXXX but could not hear anything. Once the voice did come through I was hung up on. Of any dispute that was ever placed on my behalf this has been the one time that Ive had a direct email from the merchant stating I would not receive what I bought & I do not understand why USAA would not handle this issue, especially when they state that they guarantee the return of money for their customers if defrauded. This is the XXXX time Ive gone through this was USAA & I refuse to allow this to happen again. I will be closing my account once I complete handling this issue. As a XXXXyear veteran of the XXXX XXXX I do not feel that my money or myself I Has been taken care of or handled with care.