23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 resolutions 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

My wife and I had a mortgage foreclosure in XX/XX/2011. It still shows on our credit reports and should not. The sites do not have a link to ask that it be removed. I think this is deliberate, to discourage communication.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this is not a third party filing this complaint. I have ask the credit reporting companies to provide me the Internal records of their reportings of these accounts thats being furnished on my credit report. These inaccurate accounts has caused me Great financial XXXX. I have been denied for loans, credit and refinancing of my home. I would great appreciate if someone can provide me the information thats needing to show that these accounts are accurate. 
Thank you.
Product: Credit reporting or other personal consumer reports

CONSUMER PORTFOLIO SERV Amount {$22000.00} is not my auto loan. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.
Product: Debt collection

I paid the XXXX the amount of {$270.00} on XXXX/XXXX/2016 and I have the online receipt. FIRST FEDERAL CREDIT CONTROL reported an open collection on XXXX/XXXX/2016 for the amount of {$230.00} for XXXX. They called me several times and I told them that I have paid. I do have the receipt number and a PDF copy. The payment also appears in my bank statements.
Product: Student loan

I recently decided to increase my student loan payment with Nelnet to pay it off sooner. When I reviewed my payment history ( attached ) online today ( XX/XX/XXXX ) I realized none of my previous payments were being applied to principal. I called Nelnet and discussed this issue with XXXX. He was very helpful and understanding but unable to remedy the situation. He admit ( on a recorded line ) many times that the loan was originally incorrectly input into their system and I should have had larger payments which at the very least covered the interest ; that's right, the payments didn't even cover the interest! These payments began 4 years ago on XX/XX/XXXX. Nelnet 's solution was re-calculate ( not the right term ) my loan and divide the payments by the remaining 20 periods which increased my monthly payment from {$55.00} to {$1000.00} ( attached ). I did not request this even though the e-mail from Nelnet ( attached ) says I did ( again they recorded the phone calls ). That's obviously an unreasonable ask and leaves them without any fault, even though this entire situation was their admitted mistake.
Product: Credit card

Lowering credit limit to balance of card, also withdrawing any cash advance limit. 

This giving Citi bank a chance of doubling the interest rate and possible over the limit fees once interest charges post to account monthly. 

Inability to pay off debt in a timely manner, and not accrue additional charges is abuse to the consumer!!!!! 

Restrictions and guidelines should be enforced to limit the abuse for consumers that use credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Good afternoon, I have tried to contact Experian numerous times. I am applying for an apartment, and I was notified that there is a fraud alert on my credit. Experian is impossible to get ahold of. I submitted the request online through their portal XXXX times and provided my photo ID, XXXX card, and a bank statement. Experian keeps closing the disputes but have yet to remove the fraud alert. I should be allowed to speak with a live representative, and they should remove the fraud alert per my multiple requests. This is very frustrating and time-consuming. Please resolve. Experian should have a live representative to speak to when a matter is time sensitive.
Product: Mortgage

they seem to be taking more money than there supposed to.Im on hold now for 15 minutes they wont give me my escrow numbers for past 7 years so I can see. all they tell me is your taxes keep going up.They say we'll call u back and they don't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate account 's on my XXXX, Equifax, XXXX  credit report 's it's the inaccurate account 's XXXX XXXX XXXX, XXXX  I paid the account balance 's in full on XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to CFPB complaint XXXX credit card account ending in XXXX from XX/XX/2018. 
A letter from XXXX XXXX was received by me on XX/XX/2018 stating that my complaint was received and that my debt was paid on XX/XX/2018 in the amount of {$6200.00}, which was the agreed upon settlement amount. I was asked to wait up to 45 days for the major credit bureaus to update their records and an apology that XXXX XXXX did not report accurately to the 3 bureaus on my behalf. 
I also have a letter from Admin Recovery dated XX/XX/2018 stating that this debt was paid. 
Upon checking my credit reports in preparation to purchase a home, I find that XXXX XXXX is still reporting the account with a balance due of and an open charge off right up until the present time. They have been falsely reporting inaccurate data on my credit report since XX/XX/2018. 
This is seriously hurting my credit scores and my ability to get any type of loans. 
This is fraudulent activity by XXXX XXXX  and I want this information removed immediately and updated, backdated and all previous reporting that is inaccurate removed from my credit reports in all 3 bureaus. I am happy to provide all written documentation from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Payday loan, title loan, personal loan, or advance loan

The vendor shipped me broken and missing parts to couch. Additionally, it is documented that the vendor refuses to communicate with me going-forward. I am requesting that the vendor release me from this lease and cancel the lease given these issues.
Product: Mortgage

My mortgage servicer Bank of America ( BoA ) appears to be breaking the law, possibly in collusion with mortgage holder XXXX XXXX, and a local law firm, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) and has I believe, institutionalized this practice. BoA is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX ( the Dodd-Frank Act ) amended the Real Estate Settlement Procedures Act ( RESPA ) of XXXX, which is implemented by Regulation X with regard to the servicing of certain mortgages, specifically the Dual Tracking Guidelines. They have apparently made this part of their Standard Operating Procedure as they repeated the identical process 2 months in a row in their dealings with me. Over the last XXXX months, BoA twice offered me a Loan Modification Application on my mortgage for my primary residence while simultaneously listing my home for sale by XXXX advertising it in local newspapers and sending me legal Notices of Sale. Both times, the actual Sale Notice dates were prior to the stated Application Deadlines - see uploaded correspondence/date summary below. During the second instance prior to sale date XXXX XXXX, I had completed my application by submitting all requested materials by early XXXX, however BoA representatives continued to request from me things that : ( a ) I had previously submitted, ( b ) turned out to be wrong ( wrongly described by their representatives ), or ( c ) things they knew I could not supply and were not in my control, resulting in my home foreclosure sale becoming inevitable unless we declared bankruptcy ( see below ). On XXXX XXXX when I submitted the final piece of information requested, my application should have been considered complete ; instead, on XXXX XXXX, just 6 days before my foreclosure sale, a new piece of information that BoA knew was not available and not in my control was requested and when I could n't produce it, BoA consciously declined to stop the foreclosure sale. Hence they violated section 12.4.3 of Regulation X. 

During this period I notified BoA of this violation of CFPB Guidelines, both verbally to their representatives and in writing. While their representatives clearly understood what I said, they were oblivious to my objections and my written complaints also went unanswered - see uploaded correspondence. 

Obviously I think this is unfair, but am relieved to know there 's actually a CFPB Regulation that protects consumers against this practice - hence this complaint. So either I misunderstand this law or BoA is systemically ignoring it ... it 's not clear to me if XXXX XXXX and XXXX are also a part of this, since BoA controls the process. My concern is both for myself and for BoA 's thousands of other customers who may be losing their homes, unaware a law ( s ) may have actually been broken. 


Since my narrative exceeds the space available on the CFPB website, the full text of my complaint can be found on my uploaded documents.
Product: Debt collection

There are unauthorized inquires on my credit report. I have attached a ftc report that shows unauthorized inquires.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute to Experian regarding inaccurate information on my credit report. The disputed account ( s ) contain errors of charge-offs & late payments for XXXXXXXX XXXX XXXX XXXX XXXX which I believe to be incorrect. I requested that Experian provide verification of the reported information, including documentation from the original creditor to validate its accuracy. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to complete their investigation within 30 days. However, Experian has failed to provide a resolution or verification within the legally required timeframe. Since they have not met their obligation, I am requesting that this item be removed from my credit report immediately. 

Additionally, I have not received any documentation proving the validity of the disputed account ( s ), which further supports my request for deletion. I am filing this complaint with the CFPB to ensure compliance with federal law and to seek an immediate resolution to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a few disputes regarding an account that isn't mine its been well past 2 months now and i have not gotten any communication or results. saying this account is mine.
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Fraudulent Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent them four certified letters, asking the agencies and companies to investigate that these accounts are not mine and asking them for the original contract with my signature, which I have never received any document and the accounts do not belong to me.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report, which caused XXXX XXXXXXXX and found unverifiable, invalidated, inaccurate and questionable items that your agencies did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, everything has to be 100 % on my credit report and under 15U.S.Code 1681e ( b ) and 15U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Money transfer, virtual currency, or money service

I sent money around {$690.00} from XXXX to my Bank Account ( XXXX ) through Western Union at XX/XX/year>, XXXXXXXX XXXX I got email that explain when will i receive that. They mentioned by XX/XX/year> i will receive my money through my bank account, but until now at XX/XX/year> i didn't receive it.
Product: Credit card or prepaid card

My card advertises certain protections including purchase protection. As long as the terms are met, my purchases are covered from accidental damage/theft/etc. I bought a XXXX action camera that I accidentally damaged. I was within the protection period for purchase protection. I submitted a claim and was subsequently denied because I did not take " reasonable '' care of my camera. I used the camera exactly as it was intended and always had it in my possession and safe. It was damaged due to accidental use. The claims adjuster provided no definition of " reasonable '' care nor did they explain why they are an expert on what reasonable care of a XXXX  is. I requested reconsideration twice and received no response except a duplicate of the denial letter. I called and requested a formalized complaint and was assured my issue would be addressed. I never received any further communication about it There is no definition of reasonable care in the terms and conditions. This allows adjusters to arbitrarily decide what is considered reasonable and what is not. It creates an option to unfairly deny customers ' claims while still advertising the benefit.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number : XXXX XXXX : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit card

I am On the verge of losing Me home, midland credit Management. They keep giving me the run around and all we need is a letter showing the account is now a XXXX XXXX. Please help if the is not settle we will be on the street
Product: Credit reporting, credit repair services, or other personal consumer reports

the account number from XXXX XXXX does not have any delinquencies, letter attached from the creditor. please help me to remove the inaccuracy from XXXX  and equifax and XXXX thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : DISPUTE OF INACCURATE INFORMATION CHARGE-OFF ACCOUNT To Whom It May Concern, I am writing to formally dispute the accuracy of information listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing a charge-off account listed with the following details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is inaccurately reported, and I believe it should be removed for the following reasons : 1. Lack of Proper Verification ( 15 U.S.C. 1681e ( b ) ) : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of the information contained in credit reports. This account has not been properly verified as accurate or complete.

2. Reinvestigation Requirement ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), the reporting agency must reinvestigate any disputed item and promptly delete or modify the information if it can not be verified as accurate. I am requesting a reinvestigation of this account, and if it can not be verified, it must be removed from my credit report. 
I request that you : Investigate this matter in compliance with the FCRA. 
Provide documentation verifying the accuracy of this account or delete it from my credit report. 
ALSO, I REQUEST TO FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER AND EMPLOYER LISTED ON MY REPORT. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


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

I am a victim of identify theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 hard inquiries on my credit report that I didnt approve or authorize
Product: Credit card or prepaid card

My chime debit card was charged XXXX $ on XXXX which was unauthorized on XX/XX/2022. I filed a dispute with chime on XX/XX/2022, I explained that my card had been compromised and even filed a police report and submit a police report to them, Im currently XXXX XXXX XXXX and this is very stressful on me, chime has denied my claims and refuse to issue back my money. The complaint number with chime is XXXX the card used was ending in XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention, that XXXX XXXX XXXX, XXXX XXXX  has transfer an account to XXXX XXXX XXXX. Immediately after I have put them on notice of Identity Theft. See FTC report XXXX XXXXXXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct XXXX XXXXXXXX, balance {$1700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Product: Credit card

I started to notice that every time I made a payment via transfer to my Bank of America credit card from my Bank of America checking account, the payment would not post immediately. Sometimes it took up to one week before it would post. I had already been told by a rep there when I started making my credit card payments at first to make my payments by transferring the payment from my checking account to my credit card account. This is how I was doing it and the payments started posting late causing them to charge me a {$40.00} late fee and my credit card to be eventually closed because of the late payments. I called in on XX/XX/year> and spoke with a rep at Bank of America who told me that the bank I was using to make my credit card payments was not posting the payments until after the due date causing me to get the {$40.00} late fee and my minimum due to increase and ultimately my card account to be closed. I told that rep that the checking account I was using to make my payments was, in fact, a Bank of America checking account and I was told to make my payments in this manner by a Bank of America rep. Also, I was under the impression that when you made a transfer it happened immediately but not in my case causing it to look like I was making late payments and had 2 payments due at the same time then closing my account. My payment never posted immediately. She realized the problem was with them but offered no resolution to the problem.