23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On approximately XX/XX/XXXX I attempted to perform an on-line balance transfer to XXXX XXXX Credit Card. The screen displayed the transaction was unsuccessful. I contacted XXXX XXXX and spoke to a young lady. I asked if the balance transfer was successful, and was told no. I asked if there was a 0 % balance transfer, and was told no. I told her that I did not want to transfer anything, and asked her several times to confirm there was not a balance transfer made. After time passed ( approximately 1-2 months ) I received a bill showing a {$20000.00} balance transfer. I immediately called and spoke to a Floor Supervisor named XXXX ext XXXX XXXX. XXXX confirmed the balance transfer showed it did not go through. XXXX told me she would speak to her supervisor to have this the transfer undone. XXXX and I spoke regularly about this option, but nothing was ever done. I spoke to many supervisors, who all said the same thing, the transfer should not have happened because I did not authorize it. I spoke to XXXX ext XXXX, XXXX ( pronounced XXXX ) and finally XXXX onXX/XX/XXXX who assured me the fees and interest would be reversed and they would refund the money on my credit card byXX/XX/XXXX. It did not happen, so I called again XX/XX/XXXX, and was told I would receive a call back from a supervisor, which I never received. XXXX XXXX has recorded and documented conversations that confirm the transfer was unauthorized. In addition, I believe it a Truth in Lending law that I would have been contacted to confirm I authorized this transaction, and I never received any information, until I received a bill. I would like the fees and interest returned to my credit card. They now ( after almost a year ) are {$2700.00}. Thank you.
Product: Credit card or prepaid card

XX/XX/2018 ... An application for XXXX was requested. This.was not me ... please take off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I became an American citizen approximately 10-years ago. Being from the island of XXXX where I was born and raised, I came to America to better myself as a member of a minority group. I started college back in 2007 to obtain a certification in the XXXX XXXX. Today I XXXX XXXX XXXX in a XXXX XXXX located in XXXX, Massachusetts. Over the past two years I combined my student loans that equate to approximately {$46000.00}. This is equal to a little less than one-years salary. My goal is to pay off my student loans within 5-years with a great game plan. However, while I was in deferment in my student  loans, I was never contacted by the Department of Education as to when payments should proceed. For several years I have not received any notices, nor was I ever called by the Department of Education. Recently, I started receiving notices from a qualified collection agency associated with the Department of Education called XXXX XXXX , XXXX. I successfully changed the status of my student loans to a payment processing arrangement, and I believe that I should be eliminated from the Department of Education data-base. The Department of Education is complicit making me appear as a person trying to dodge paying on her student loans. I find this practice highly discriminatory against a person in the minority status who was only trying to improve her position in society. The Department of Education should delete its credit reporting history on me completely and move it over to XXXX XXXX , XXXX. I have attached a copy of the repayment agreement with XXXX XXXX , XXXX, that I received after submitting proof of employment and monthly income. Otherwise, I am held in financial limbo while the Department of Education moves my files over to the new collection entity, and this will only hinder my progress on buying a home for my family. The Department of Education should either report the accounts as current or delete the payment histories altogether and move the files to the new agency known as XXXX XXXX , XXXX.. I respectfully request the associates credit bureaus such as XXXX, Equifax and XXXX XXXX to see if my rights under the Fair Debt Collection Practices Act are being held to the standard guaranteed to me by legal recourse.
Product: Credit reporting or other personal consumer reports

These inquiries must be removed. I possess no knowledge about them, and the company proceeded without consulting me.
Product: Credit card or prepaid card

When I was given this card by XXXX I was never given the information from the company until a late payment which I was never given the information. I call the company and stated that but was told they sorry but they did not help me. I would like to get all late charges back and start fresh.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 states a consumer reporting agency can not furnish a account without my written instructions u.s.c 168 ( c ) a 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information another adverse item of information other than records of convictions of crimes which antedate the report by more than 7 years 15 u.s.c 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has responsible cause to by liens that the information is inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card or prepaid card

I, the consumer am aware and have proof that BANK OF AMERICA has and continues to violate my consumer rights. I have observed at least 9 violations pursuant 15 USC 1693f. BANK OF AMERICA received a Cease and Desist in reference to this matter XX/XX/2021. They have failed to provide results of the investigation and its findings used to determine actions of withholding the consumers funds in a reported electronic transfer error since XX/XX/2021 ; notice of the right to request reproductions ; mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur ; or returning the funds as directed by the consumer. BOA has and continues to violate consumer pursuant to 15 USC 1693 f. As a result to their gross, negligent and willful behavior, I have been injured numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit reporting reporting the the credit score for XXXX  score is reporting XXXX when XXXX is reporting XXXX
Product: Credit reporting or other personal consumer reports

I viewed my credit report in XX/XX/2024 and noticed my credit report contains outdated addresses as well as misspelled and inaccurate names that are not associated with my current residence or identity. This misinformation could potentially impact my creditworthiness and pose a risk of identity theft.
Product: Debt collection

In XX/XX/2019 two different rental companies put evictions on my credit for apartments ive never had. the first one was for " XXXX XXXX  '' and they are saying i owe XXXX for an apartment i didnt not live in nor sign up to have. 

the second one is an apartment called XXXX XXXX XXXX they have two different accounts on there for two different amounts. i tried to dispute both of these accounts multiple times ive asked for proof of the debt and they have not sent me anything but told the credit companies that i owed the debt. i reported the fraud several times and i filed a police report.
Product: Credit reporting or other personal consumer reports

An account was opened in my name back in XXXX  with XXXX XXXX. Someone has charged this card and has now ruined my financial reputation. I do not know how or when. However I contacted XXXX XXXX made them aware and requested fraud kit after they said they would mail it and ask if i permitted I agreed. I received it and sent it back. XXXX XXXX is still reporting the data XXXX has ceased reporting it and removed it but its still reporting on XXXX and Experian. Please help I am about to be homeless as my lease ends in XXXX and as I am applying for a mortgage this is hindering me, and ruining my financial reputation. 

I am so disappointed because this was an issue I assumed was resolved over a year ago.
Product: Credit reporting or other personal consumer reports

I received a letter on XX/XX/2023 from Equifax stating they were unable to locate my credit file, but I received a report from Equifax on XX/XX/2023 Confirmation # XXXX and on XX/XX/2023 Confirmation # XXXX. 

I called Equifax today XX/XX/2023 and I spoke with a lady named XXXX. I asked her to give me her last name, the initial of her last name, or her employee ID number but she refused to do so. XXXX stated it was for her privacy and protection. So, what about my privacy and protection and she is in another country? I asked to speak with a supervisor and XXXX put me on hold for XXXX minutes and she hung up on me but the entire length of the call was twenty-seven minutes. 

I want this resolved. Is it not my right to get my information corrected? 

In the letter received from Equifax, they are asking for Identification information which they already have again this is how I received my report on XX/XX/2023.
Product: Credit card

THIS ACCOUNT XXXX THE REST OF THE ACCOUNT NUMBER IS BLACKEN OUT ON THE REPORT PLEASE SEE ATTACHMENT. I HAVE WORKED WITH CAP 1 TO GET THIS REPORT CORRECTLY AND THEY REFUSE TO FIX IT. THIS ACCOUNT WAS PAID IN FULL WITH A XXXX BALANCE AND THEN CLOSED BY ME. BUT THEY STILL ARE REPORTING A BALANCE WHICH IS HURTING MY CREDIT SCORE AND INCOME TO DEBT RATIO.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash failed to take timely and effective measure to prevent and address fraud on their platform. leaving my account vulnerable and unprotected. Furthermore, their dispute resolutions process was unfair and deceptive as they did not comply with error resolutions requirements under Electronic Fund Transfer Act ( EFTA ) and Regulations E. these actions have caused significant inconvenience and financial loss and seek appropriate redress for these violations.
Product: Student loan

I have been with Nelnet since XX/XX/XXXX and my loan balance has not been reduced even though I have been paying monthly and have not missed payments. In fact, my loan balance has increased. 
I wrote to Nelnet in XXXX, after speaking with an agent at your company, and said that I was willing to settle the loan at {$25000.00}, but they did not respond regarding this, only that they do not refinance loans. 
My oldest statement on line is from XXXX and says I have a balance of {$57000.00} and my latest statement from XXXX, XXXX says I have a balance of {$58000.00}.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from Experian associated with XXXX XXXX XXXX XXXX XXXX XXXX ], account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( XXXX U.S.C. XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections XXXX ( XXXX U.S.C. XXXX ) and XXXX ( XXXX XXXX. XXXX ). 
Despite my formal dispute and request for a thorough investigation, Experian has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX. 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these accounts since XX/XX/XXXX. On my Experian Credit Report I sent letter certified mail requesting documents in bearing my signature & all other documents pertaining to these accounts, and if not provided they must be removed from my report. They replied saying they would not reinvestigate the accounts. I asked for whatever documents they considered verifiable to be sent to me since it is my right to see these documents & know exactly how they were validated. They failed to do so, they didnt even attempt to simply stating they wouldnt reinvestigate the items that i have been disputing since XX/XX/XXXX. Certified letter was sent around XX/XX/XXXX The items Im referring to are : XXXX XXXX XXXX- this account has been deleted from XXXX & XXXX . 

XXXX XXXX XXXX- Account XXXX & XXXX, both of these were removed in XX/XX/XXXX & reinserted in XX/XX/XXXX, without being notifified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- this  account is over 10 years old and has been removed by the other two reporting agencies XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TRANSUNION. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my updated personal credit report, I discovered that inaccurate items persist. It appears that my credit has been compromised under your oversight. Despite submitting FTC report # XXXX, these items remain unresolved. I previously contacted the companies listed below, requesting the removal of these inaccurate items from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the items were incorrect. I demand the immediate deletion of the inaccurate items listed below. This complaint addresses several negative items on my credit report. Enclosed is my new FTC report, number XXXX, for your reference : Experian XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$7500.00} XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$7500.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within XXXX business days, given ( XXXX ) appropriate proof of my identity; ( XXXX ) a copy of an identity theft report ; ( XXXX ) identification of such information by me; and ( XXXX ) a statement from me that the information is not related to any transaction by me. This complaint serves as a formal notice that if these items are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance.
Product: Debt collection

On XX/XX/2018, I received an debt collection notice from Online Information Services, dated JunXX/XX/2018. I immediately sent Online Information Services a certified letter on XX/XX/2018 requesting debt validation of said debt. The certified letter was delivered/received by Online Information Services on XX/XX/2018 @ XXXX. On XX/XX/2018, I received an Alert that Online Information Services had place a {$82.00} Collection account on all three ( 3 ) Credit Bureau 's ( XXXX, XXXX  & XXXX  ). On today, XX/XX/2018, I received a letter from Online Information with a copy of an INVOICE dated XX/XX/2018 from XXXX XXXX for {$82.00}. This INVOICE from Online Information Services is not a valid debt validation and was placed on my all three credit bureaus prior to being validated. I have a {$0.00} balance with XXXX XXXX.
Product: Money transfer, virtual currency, or money service

This is with Paypal. We have an account with Paypal. We submitted to make a transfer from our account to a friend 's account for {$600.00} on XXXX XXXX 2017. <P/>When our friend tried to accept the payment, the transaction was unavailable. The message stated to contact us. We canceled the payment on XX/XX/XXXX and tried to resubmit. We were not able to. <P/>After several rounds of security verification, we spoke to three different representatives on the phone. For 1 and half hours, we tried to resolve the issue. At the end, Paypal had no good reason for why all of this happened, and there was no recourse for me, the consumer. <P/>Paypal withdrew the {$600.00} from my bank at XXXX. However, I do not have access to that at Paypal. They were able to immediately withdraw it, but they can not refund it for 3 to 5 business days. In the meantime, my money is in limbo. <P/>I was told that I should not have been able to submit a request for {$600.00}, but " got lucky '' according to the representative. I was told my limit was {$290.00}. I tried to do a transaction for {$290.00}, but was unable. I was unable for {$200.00} as well. I was able to transfer {$1.00}. <P/>At the end, I 'm left with a missing {$600.00}, an inability to use my account effectively at Paypal, and no recourse to any of the events that occurred.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Equifax Report : XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX Report : XXXX XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX