23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX is attempting to exploit a military move by double charging my family for service to our home at our last duty station and service to our new home. Accounts were transferred within reasonable time and XXXX was presented military orders that supersede ISP contracts through the service member 's relief act. 

I resigned my commission as an XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX last year. My wife, daughter, and I moved from XXXX state on XX/XX/XXXX. My wife attempted to transfer our XXXX account from XXXX XXXX XXXX, XXXX, XXXX XXXX to our new residence at XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX , XXXX XXXX. XXXX told her they were unable to transfer the account out of state and that she needed to cancel the XXXX account and open a XXXX account. They also informed her that we needed to pay for XX/XX/XXXX balance as well because we did not cancel within 30 days. She informed them that we are moving on military orders and they informed her that the military orders were not relevant. 

After moving to XXXX, we received a phone call in XX/XX/XXXX from Southwest Credit Systems informing us that we were in default of a debt owed to XXXX. XXXX had sent another bill for the month of XX/XX/XXXX for services to XXXX XXXX XXXX XXXX while we were concurrently paying for services under the same name ( XXXX XXXX, my wife ) in XXXX. My wife called XXXX and they determined we had been charged in error and that we were owed a credit instead. My wife called Southwest at the end of XX/XX/XXXX and in XX/XX/XXXX to confirm that they would not send the negative report to the credit reporting agencies. She told them that we are currently house hunting and that a negative credit report would be extremely damaging to us. Southwest Credit Systems informed my wife that they would not send the negative report to the credit reporting agencies prior to calling us first. 

We are currently closing on our first home purchase using the VA loan benefits earned from 10 years of serves and two combat rotations to XXXX. In the final credit check, our lender found the negative credit report enacted by Southwest Credit Systems on behalf of an erroneous charge by XXXX. 

We would like to have the charge removed from our credit record and for XXXX to settle the credit owed to us. 

Southwest Credit Reference Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through all this and I have been suffering since the Credit Bureaus have done nothing! Despite the numerous attempts to contact the Credit Bureaus and request for the correction of the accounts reporting erroneous information on my Credit File, the Credit Bureaus have done nothing! It has been 6 months since I started disputing my Credit Files and yet they have been persistent with ignoring my Requests as well as they have been claiming that the disputed items are verified. However, the Credit Bureaus have not sent me copies of proof of verification as a result of their investigation. I am submitting this 11th CFPB complaint to order the Credit Bureaus to either correct the disputed items from erroneous reporting or completely remove these items from my Credit File since the Credit Bureaus have failed to " VERIFY '' these items. Either way, I need my Credit File corrected as soon as possible. I need you to correct and or remove the following items as soon as possible : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Inquiry Type Individual -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Phone ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXXXXXX interact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Phone ( XXXX ) XXXX in accordance with the Fair Credit Reporting act all these companies 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
Product: Student loan

I requested payment relief, and it was granted to me. Terms were that I would pay {$50.00} per month for the next 3 months, and then resume regular monthly payments. I have paid the XXXX each month, but I have been recieving letters, multiple phone calls daily from a collection agency, and it has been reported on my credit report that I am past due on my payments. This is the second time this company has done this.
Product: Credit reporting or other personal consumer reports

These inquiries have been added to my credit report without my authorization! 

XXXX XXXXXXXX XXXX XXXX COMENITYXXXX XXXX XXXX XXXX I disputed them and they remain on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan accounts XXXX/XXXX XXXX, XXXX  XXXX, XXXX XXXX with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal XXXX XXXX,
Product: Credit reporting or other personal consumer reports

This letter serves as formal notice regarding your failure to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, the information related to XXXX XXXX XXXXXXXX opened XX/XX/2023 appearing on my credit report is inaccurate, unverifiable, or incomplete.

Background I submitted a dispute regarding this item to Equifax.

To date, you have either failed to : - Respond within the 30-day investigation period as required under FCRA Section 611.

- Provide sufficient documentation verifying the accuracy of the account, or Correct or remove the inaccurate information from my credit report.

Your actions ( or lack thereof ) are in direct violation of the FCRA and have resulted in harm to my credit profile, financial standing, and peace of mind.

Demand for Resolution To resolve this matter amicably and avoid further escalation, I demand the following actions be taken immediately : 1. removal of the inaccurate account from my credit report. 

You are required to respond to this letter within 15 days of receipt. 

Failure to comply with this request will leave me no choice but to pursue legal action. I will seek remedies available under the FCRA, including statutory damages, legal fees, and court costs.
Product: Credit reporting or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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

I am a victim of identity theft, my information was exposed in an XXXX data breach. Please remove all accounts listed in this FTC report under section 605B within four days. The following inquires are not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX  charged the wrong amount in the first place and took a couple of years to finally send me a letter saying that they did charge the wrong amount. I have called them several times to rectify this and then they sent me to Real Time Solutions who they said owned it now, when I call them they said that they can't do anything about it because XXXX  is the only one that has that power and when I call XXXX to get to the bottom of this they say that I have to go through Real Time Solutions. I have asked them repedealty that I will pay the correct amount and want the charge off taken off since they never properly represented the correct amount to be charged. 

I have a letter from XXXX stating that they did not charge the correct amount and that they took off the wrong amount or credited the account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXXConsumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Experian 's Reporting Practices Dear CFPB Team, I am writing to formally lodge a complaint against Experian regarding their inaccurate reporting practices that have adversely affected my XXXX XXXX and my ability to secure housing. 

Recently, I discovered that Experian deleted positive accounts from my credit report without any justifiable reason. My credit score, which was previously XXXX, has now dropped to XXXX due to these deletions. This significant decline in my score has caused me to face higher security deposit requirements while trying to secure housing. 

Attached is an adverse action letter from XXXX, dated XX/XX/year>, which states that they obtained my background report from Experian. The letter indicates that the decision was influenced by factors related to my credit history, which have now been misrepresented due to Experian 's actions. 

Furthermore, I believe Experian has violated 15 U.S. Code 1681a - Definitions ; rules of construction. This statute defines key terms relevant to consumer reporting, including : ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report : ( 1 ) In general the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes.

The deletion of positive accounts is not only unjust but also contrary to the protections afforded to consumers under these regulations.

I am including documentation to substantiate my claims, including the adverse action letter and relevant credit reports.

I respectfully request that the CFPB investigate this matter and take appropriate action against Experian to ensure compliance with federal law. I hope for a prompt resolution to rectify my credit report and restore my score to its rightful status.

Thank you for your attention to this matter. I look forward to your response. 

Sincerely,
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 my the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting a charge-off on my consumer report. That is incorrect and inaccurate information. The IRS clearly defines a charge-off as Gross or Ordinary income ; Publication 4681. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes the reporting of this account inaccurate and also the reporting of this account as a debt, is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Experian responded with dispute results for Report Number XXXX for my XXXX XXXX account. The dispute was in regards to ( 2 ) XXXX day late payments for XX/XX/XXXX and XX/XX/XXXX. I informed Experian that the payment for XX/XX/XXXX was never late and the payment for XX/XX/XXXX should not have been reported late under the Cares Act. Per the Cares Act, the law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. The Other Relief for my account was : I requested for my late fees to be waived due to being sick and out of work. I was granted this accommodation for my XXXX XXXX account. I submitted documentation along with my dispute request which consisted of the communication between myself and XXXX XXXX via their chat system online. Experian closed the dispute request on XX/XX/XXXX but did not correct my Payment History and Payment Status. I have attached the same documentation to this complaint that was submitted to Experian.
Product: Mortgage

I tried to get a zero down, zero closing cost loan from Bank of America and they said I wasn't eligible because of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm XXXX  American. This must be illegal on so many levels. 

XXXX XXXX XXXXXXXX
Product: Student loan

We applied for PSLF, student loan forgiveness, last year and were told we had the wrong type of loan. We were told that a consolidated direct loan would work, so in XX/XX/2018 we did that. Now, after spending way too much frustrating time teying to arrange PSLF, we are told it wont work for us. I feel very misled.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 those account 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 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 received a copy of my credit report and I noticed an outdated/incorrect address as well as misspellings of my name. The incorrect address is being reported by Transunion. My name is being reported incorrectly by both XXXX and Transunion. 

I sent a dispute letter to all XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX deleted the incorrect address however, Transunion hasn't. Neither Transunion nor XXXX deleted the misspelled names. I did receive stall letters in the mail stating that my letters were not from me and they were. I responded back to each stall letter and the Bureaus still have not removed the incorrect personal information that is being reported. All letters were mailed by Certified Mail and were delivered per the tracking numbers. I have a copy of all the Certified Mail receipts and tracking numbers.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to investigate my dispute regarding inaccuracies in my credit report properly. Despite my submissions, Equifax consistently responds within XXXX hours, stating the account is accurate without providing any evidence of a through investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( FILE No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts reporting inaccurately are XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Back in XXXX XXXX i had a XXXX performed at XXXX health. I completed the financial assistants documents on the website. I was then ask to upload my banking statements to complete which I did. I was under the expression that everything was all good now. XXXX XXXX XXXX  I received a letter from a bankruptcy attorney and I'm confused to why. I open the letter and it says that a suit was file against me in the XXXX XXXX court system. I look the case up and it saids XXXX has file a suit against me for a XXXX XXXX XXXX and I'm in shook cause I hadn't never received any communication from this XXXX company. XXXX XXXX XXXX I reached out to XXXX XXXX regarding this matter and explained to them that I applied for the financial assistants cause I not able to pay the bill. The representative looked into this matter and informed me that the documents I sent them wasn't able to be opened and she apologized that this had happen and If the bill was still with them should could of fixed it but I would now have to deal with the collection department. I shouldn't be punished for something that someone could have called and informed me that the documents they requested couldn't be opened. I was then transferred to the collection department ( XXXX ) the lady answers the phone and tell me she'll transfer me. I was on hold for over XXXX mins and no one answered. XX/XX/XXXX I noticed that certified mail was being sent out from the XXXX XXXX XXXX law firm. I called and spoke with them and informed them that their XXXX  ( XXXX ) never communicated with me regarding a XXXX bill. How can someone not communicate with you regarding a bill and have an attorney file a suit against you. This is considered breaking the law without giving me knowledge of a debt. I was told I will have to respond back to court document. I then tried reaching back out to XXXX and finally got them on the phone just to be told we can't talk to you regarding this matter you'll have to speak with our attorney. 
After reviewing the reviews of ( XXXX ) this is a normal pattern for them to not answer phone call from the people they have bills with and send their bills to the attorneys without trying to communicate with the defendant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; ( Original Creditor : ) XXXX ; ( Original Creditor : ) XXXX and XXXX XXXX
Product: Mortgage

I've requested several times for Capital One Bank. N.A, to provide me with a copy of my complete payment history for loan number : XXXX pursant to RESPA : Request for Information - 12 CFR 1024.36 Capital One was the servicer for loan number XXXX. They are refusing to provide me with this information!
Product: Credit reporting

I owed a debt to XXXX. I paid the account in full and have a XXXX balance per the attached documentation. Experian refuses to show a XXXX balance, paid in full status, although I have provided the pay off letter numerous times which clearly shows, " Paid In Full, XXXX Balance ''.