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

XX/XX/XXXX Subject : Third Dispute Regarding Inaccurate Late Payments Dear CFPB, I am filing a formal complaint against your agency for failing to correct inaccurate information regarding late payments reported on my credit report for XXXX of my accounts. Despite multiple requests for correction, including letters dated XXXX and XXXX, my requests have been ignored, violating the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed Information : Late payment notations remain inaccurately reported despite my payment history showing all payments were made on time. Specifically : Experian reports : XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX late payment in XX/XX/XXXX, matching XXXX 's reporting. 
These discrepancies have not been addressed in previous investigations. 
Violations Identified : FCRA Violations : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information in consumer files. This has not been upheld in my case.

15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

PAANL Violations : Under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are obligated to provide timely statements to prevent unfair penalties to consumers. This responsibility has not been met, as evidenced by the inaccurate reporting.

Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report.

Written confirmation of the correction made to my credit file.

If this issue is not resolved promptly, I will escalate my complaint, including filing additional complaints with relevant regulatory agencies and pursuing potential legal action.

Attachments : To assist with your investigation, I have included : Copy of my Social Security Number.

Copy of government-issued ID.

Proof of address.

Highlighted credit report indicating the inaccuracies.

I kindly request that you provide a detailed description of the investigation process and the evidence used to validate the late payments within 15 days, as required by the FCRA.

Thank you for your prompt attention to this matter. I look forward to receiving a resolution and confirmation of corrections within the timeframe mandated by law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$2600.00} XXXX - XXXX - XX/XX/XXXX - {$5500.00} XXXX - XXXX - XX/XX/XXXX - {$2300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account XXXX which you claim I have repossession. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

I am a victim of Identity theft or this is an error. I never had a car loan threw them nor ever had a vehicle repossessed. This is all inaccurate information and I need it removed from my credit report Thank you
Product: Money transfer, virtual currency, or money service

I tried sending a Zelle to my brother with same name as me. Mistakenly sent to money to myself and it went to a closed checking account to chase. Neither chase or Zelle could help get my money back and denied my claim. Its my money sent to myself. Im out {$200.00}. Its been a while and just came to terms that I lose.
Product: Mortgage

Our mortgage was switched to American Financial Network XX/XX/2016. I paid our {$1700.00} mortgage on XX/XX/XXXX. The company received and cashed our electronic check XX/XX/XXXX. The payment is n't until late XX/XX/XXXX. The collections department has been called me 10 times even though I confirmed with them on XX/XX/XXXX they received the payment on XX/XX/XXXX. I have told them not to call anymore on 2 seperate occasions. They are harrasing me for a debt that was paid on time and was never late. They refuse to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. Accounts : XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Dipsute Reference XX/XX/year> I ask for reporting agencies to please provide all documented proof of such allegations of verification when I challenge the accuracy of account. 

Please provide all proof that this account balance, account history, late payments, open dates, closed status, last reported, last active and all is XXXX  % accurate and all is in compliance with state and federal laws please I highlighted and provided each account that I believe to be wrong and does not meet the FCRA requirements under section 611 Account Name XXXX Account # XXXX Account XXXX  Account # XXXX
Product: Student loan

I am submitting this complaint to formally request the full discharge of all student loans previously held by XXXX. This request is based on XXXX  's deceitful practices, misrepresentation, and failure to provide accurate and transparent information regarding my loan repayment options. My student loans have been in place since 1999, and have been waining on my since that date. 

From the outset of my loan, XXXX  consistently misled me and denied me access to Income-Driven Repayment ( IDR ) plans that could have made my payments manageable and qualified me for forgiveness. Despite my repeated efforts over a 10-year period to enroll in IDR, Navient obstructed the process by labeling my applications as " Action Required, '' ultimately leaving my requests incomplete. Instead of offering viable repayment options, Navient repeatedly steered me into forbearance or deferment, resulting in significant capitalized interest and an exponentially increased loan balance. 

These deceptive actions have inflicted immense financial strain, fiscal hardship, and mental distress. XXXX  refusal to provide honest and fair guidance has caused unnecessary suffering and placed a long-term burden on my financial well-beingburdens that could have been avoided if I had been informed of my IDR options earlier. 

XXXX  's behavior demonstrates a clear pattern of prioritizing profits over borrower welfare, violating principles of good faith and fair dealing. I am holding XXXX  accountable for its role in misleading borrowers like myself and demand justice in the form of full loan discharge. 

I urge the CFPB to take this matter seriously and ensure that the financial harm caused by XXXX predatory practices is rectified. I look forward to your prompt action on this issue. Thank you for your consideration regarding my request for resolution regarding this egregrious matter. I hope to resolve resolve and communication of resolve in the form of full forgiveness of my loans.
Product: Credit card

Dear Representative, American Express has violated the fair credit billing act and caused me significant harm as a consumer by charging me interest and late charges on a suspended account that is in dispute. 
Per American Express on XXXX the representative indicated my dispute would not close until XXXX. 
However, American Express charged me {$39.00} in late fees and {$190.00} in interest while my account was in dispute. 
American Express also called me on XX/XX/year> to collect a debt that I do not owe. 
AS a XXXX XXXX, small business, our credit is our largest asset that we have worked hard to maintain. However, it is in constant jeopardy with American Express. 
We have spent hours of time being disconnected, being shifted to multiple departments, placed on hold, and disputing inaccuracies. 
I was erroneously told by American Express that my credit would not be impacted unless I waited 90 days to pay. The misinformation and XXXX  is overwhelming and I do not trust American Express to properly report this account while it is in dispute. 
I closed my American Express account over a year ago. It is unacceptable for American Express to attempt to collect a debt, erroneously bill my account and provide incorrect consumer information. Therefore, I would like American Express to cancel my entire balance. 
I appreciate your assistance in ensuring that American Express complies with the XXXX and is held accountable for these harmful practices. 

Respectfully,
Product: Payday loan, title loan, or personal loan

I took out a loan with Solo Funds in XXXX of 2021. I was having some financial issues during the holidays related to a move. Approximately 10 days before the loan was due to be repaid, I contacted the company to let them know that an emergency had taken place and that I was unable to repay at this time but that I would repay as soon as I could. I asked that my account not be charged. The company received my request and acknowledged it but said that they couldn't/would n't stop charging my account. Today they have debited my account for the last time. I contacted my bank and I plan to dispute the charges and get a new card.
Product: Mortgage

PHH LN XXXX XXXX XXXX XXXX , XXXX CA XXXX XXXX XXXX XXXX XXXX PHH has an open loss mitigation review for this short sale, yet there is an active foreclosure date. We have explained to them that this is a violation of Federal and State Laws regarding dual-tracking. They are refusing to  postpone the auction date. 

-- -- -- THIS IS ILLEGAL AT THE FEDERAL AND STATE LEVEL AND I WANT ACTION TAKEN AGAINST PHH -- -- -- - I want the foreclosure date put on hold as per Federal and State Law. 

CC : Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I received a notification from my credit monitoring service ( XXXX ) that a new loan had been opened in my name from a company called Uplift. Upon doing research, I found that this loan was for a vacation rental or trip through XXXX XXXX. I was able to cancel the trip and was also able to successfully dispute charges that hit my my bank account for this loan. I notified uplift in XX/XX/2022 that the account was not mine, that despite having an XXXX XXXX fraud alert on my credit they never contact me, and I also provided a copy of a police report that I filed for identity theft. Uplift has still hit my credit for a charge-off for this loan as of XX/XX/2022 despite submitting the police report and making them aware via email that this account was not opened by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent XXXX XXXX and XXXX and Equifax a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my personal credit report from XXXX and XXXX there are unauthorized hard inquiries that is affecting my credit score and credit record tremendously in a very detrimental manner I can't get a loan for my son 's college its had to obtain a loan to purchase a home for my family I have contacted these companies to no avail XXXX XXXX XXXX XXXX SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/PAYPAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX Dear Madam or Sir, I have refinanced in XXXX and the loan servicer is Wells Fargo Bank since XX/XX/XXXX. I have my account with them ending XXXX. Wells Fargo setup an escrow account for property taxes. I have tried to contact them for managing my own property tax but they declined my request stating the reason is that I do not have long enough history with them. 

As of XX/XX/XXXX, I have checked my parcel number on XXXX County Property Tax payment website, and realized that the updated property tax was reduced from {$4200.00} in XXXX to {$3600.00} in XXXX, and my escrow account balance has already exceeded the semi-annual payment amount. However, Wells Fargo escrow account has been charging me the old monthly due since XXXX. I have contacted Wells Fargo via email and phone call on XX/XX/XXXX. The customer support has reassured me that they have run a escrow account check and I should see my account updated within 2-3 business days. 

Now as of XX/XX/XXXX, Wells Fargo is going to auto charge me another month 's due, and the balance and amount is still not changed. I'm really disappointed at this business practice when, as an individual loan payer can easily see the amount due on government website whereas a big bank like Wells Fargo is continuously over charging me. I would consider this is a fraudulent business practice that takes advantage of homeowners during COVID, and aggravate the financial situation for people that have to put through during this special time. If this practice happens to many people, Wells Fargo is essentially profiting from people involuntarily depositing excessive amount of escrow due into their accounts. 

I would appreciate this can be investigated and resolved in a timely manner, for many people might be struggling to making the over charged payments. 

Sincerely, XXXX XXXX
Product: Prepaid card

I, XXXX XXXX XXXX receive unemployment from the state of CA through XXXX and for the second time in less than 3 weeks I have become a victim of fraud. I was recently in the XXXX  for a XXXX  XXXX, and I was admitted on XX/XX/year>, My card was in my possession prior to my accident, and nobody has access to it. I was released from the hospital yesterday evening XX/XX/year> and that night and I was unable to locate my card, it was missing, and my vehicle was totaled so I was unable to locate it at the wrecking yard. I called money network, and they sent me a new card and filed a claim for my missing card, I checked my account and noticed numerous withdrawals that were not done by me, or anyone authorized by me. This is the second time that this has happened, and I am at a loss for words on how this happened a second time. I have listed 6 different transactions that took place and over a XXXX dollars stolen, I feel violated and frustrated. I reached out to the XXXX where my card was used my asked about obtaining surveillance footage from the dates listed. I was told a manager will contact me and I informed them of my police report and asked that they reach out to the officer who took my report. Enough is enough, please stop this from happening, I am under the impression that my card was skimmed because the missing card had an issue with the magnetic strip and I could not use it, the XXXX employee told me they are in the process of removing that ATM as it has been the center of numerous problems and in fact Officer XXXX whos Badge number is XXXX informed me of recent incidents that are being investigated resulting in theft or unlawful use of personal identifying information for fraudulent purposes which is a felony under Californias penal code PC XXXX when the theft exceeds {$900.00} which in this incident I reported exceeds {$1300.00}, so it is a felony. I really hope the person responsible for this crime is caught, I will be pressing charges, and I will want the individual or individuals prosecuted. 

Missing/ stolen card reported XX/XX/year> 5 ATM transactions not authorized by the victim occurred at XXXX between XX/XX/year> & XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> {$300.00} / {$300.00} / {$100.00} / {$120.00} / {$80.00} 1 ATM withdrawal was done in the XXXX XXXX XXXX  XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$420.00} Police report stating stolen card is attached and hospital stay discharge instructions also attahced.
Product: Checking or savings account

I had funds wired to my checking account, received on XXXX XXXX, XXXX I attempted to wire the funds received to an external account. The wire was stopped and I was to call to verify information. On XX/XX/2023 I called and answered their questions to allow my account to be taken off hold. I again attempted to wire the funds to an external account, and again the wire was reversed, and a message on my account as follows - " Your funds are currently not available for withdrawal - call us at XXXX ''. 

My account has been in this state since XX/XX/2023. I have made hundreds of phone calls to the bank, only to have to leave a message that it will be returned in 24-48 hours. I have not received a return phone call. I have tried to call multiple phone numbers associated with Capital One customer service, only to be transferred around and around with no resolution. On one occasion, around XX/XX/2023, I spoke to a person after about an hour on the phone, and was only told " it's under investigation, and no date can be provided for resolution ''. 

I have bills to pay and this bank will not give me any information about why they are holding my money hostage and not allowing me to have access to my money. How can a bank do this to a consumer, especially after more than 30-45 days without explanation or any information whatso ever. 

The customer service with Capital One is NON-EXISTENT.
Product: Money transfer, virtual currency, or money service

Coinbase targeted me for a promotion where I would receive {$5.00} in BTC if I successfully completed two reoccurring deposits. I completed three reoccurring deposits. The {$5.00} was not deposited to my account. When I reached out to support they did not help me. I have followed up multiple times since then and still this simple thing has not been resolved. Very disappointed with this company. It's just {$5.00} and I completed it successfully. This is a multibillion dollar company that can't handle a {$5.00} reward. 

My account : XXXX XXXX
Product: Checking or savings account

I have been charge 11 overdraft by Comerica bank, they manipulate the transaction in a way that this happens. They show me on the app that I have the money I spentwith my card and the next day they show their charges as they were charge into my account the day before I spend my money that showed me available. I know I am responsable for the ones that cause me two overdraft but not for all the other ones they are charging me. It just does not have any sense me causing me 6 other overdraft for XXXX-18 -XXXX dlares that a spent when in my account said they were available and they dont understand that all they said is that is not bank error. I have tried to talk on the phone with people I went to my branch manager and they dont even try to listen or understand that just because Im therir sistem shows no error. They even charge you overdraft if an overdraft causes another overdraft and it goes on an on if you dont have the money. Is not fair!!
Product: Vehicle loan or lease

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name : # : XXXX XXXX Account Name : # : XXXX XXXX Account Name : # : XXXX XXXX XXXX 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 an 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 follo
wing 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.