23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Main complaint : Monthly service fee of {$29.00}. 
What happened : 1. I opened a business checking account around XX/XX/XXXX and initiated a bank transfer or XXXX immediately, which the money deposited around XX/XX/XXXX. A few days later i received my debit card, i tried to use debit card and the card is not working. 
2. After several calls with the customer service rep of trying to resolve the debit card issue, I was told that my account is dormant and they need to remove the dormancy status. The rep left a voice mail from the number ( see attached ). ( Later this turns out this is the rep 's mistake ) 3. After a few days - the card is still not working. I called again. and this time i was told, my business debt card was INCORRECTLY attached to my ( previous ) existing personal checking. In the personal checking account due to no transactions and it's marked as dormant. Because of this mismatch- my business debit card was not able to use. They eventually get it fixed. 

Fees : 1. On XX/XX/XXXX, i see a few of {$29.00} getting charged to my account. The account has 2 ways to waive fees : I called the customer service and i was told that because i am not able to meeting fee requirement. 
2. On the website it says 2 ways the fees can be waived : {$1500.00} or more minimum daily balance in this account, or {$5000.00} average daily balance in this account 3. I talked with the customer service rep that for two reasons that i think I should NOT charged the fee Reason A : The debit card was not able to use, thus, the bank failed to fulfill the service obligation. 
Reason B : I immediately deposited XXXX into the account after account opening ( to meet the requirement ). The customer service says because the money takes a few days to transfer - during this window the account has a lower than threshold balance thus I'm being charged. I argue that this is a fatal flaw- for every customer who opened their account online. As i do not think at account opening there's a way for me to deposit XXXX.
Product: Debt collection

I was checking my credit report in XXXX and I saw that there is an account that is not mine. 
original creditor XXXX XXXX. 
balance {$4700.00} I did not open this account I was opened without my authorization I have never applied for credit with XXXX neither in the past nor in the present I want them to open an investigation I was a victim of identity theft I never authorized to give credit in my name you can contact me at any time for if you have any questions
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( XXXX ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX XXXX account ( XXXX XXXX XXXX  ), which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau and XXXX XXXX comply with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard.
Product: Credit card or prepaid card

I paid my Walmart credit card off on XX/XX/2020, on XXXX, XXXX, I was charged interest fees on my paid in full balance of {$46.00}, Capital One refuses to reverse this charge. I would like the charge reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX Is showing up as late payments when they should in fact be up to date. Additionally, the payment dates on the loans are incorrect, and show different balances as well as dates. If the information was reported from the same company. All information Pertaining to the loans should reflect all the same information. Due to inadequate information Im asking that these items be permanently deleted from all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT 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 HAVE ALL VIOLATED MY RIGHTS. 


PER 15 USC 1681 SECTION 602A IT CLEARLY STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

This is a complaint to XXXX, Equifax, and XXXX for the completeness and/or accuracy of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i. 

After reviewing my credit reports I noticed that your company are violating the Fair credit reporting act by improperly using my credit reports for the following accounts ; [ 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 XXXXXXXX XXXX These accounts are charged off/canceled debt. Because it is canceled/charged off, this is now considered a certificate of indebtedness per the IRS Publication . The IRS Clearly defines a charge off/cancelled debt as Gross or Ordinary income, and INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT which in fact makes the reporting of this information inaccurate. I provided a screenshot from the IRS website for further evidence. 

As your company know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said account. Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). 

This is not only a violation from these companies [ EQUIFAX, XXXX, XXXX ] but it is also a violation from the furnishers of this information pursuant to 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 a reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

Upon discovery after viewing my consumer report I see that XXXX XXXX XXXX is reporting XXXX inaccurate late payments to consumer reporting agencies- XXXX, XXXX XXXX Experian. In good faith I am writing to challenge the validity of all three alleged late payments from the months of XXXX, XXXX, & XXXX of XXXX. I never received my periodic statement from the months of XXXX, XXXX & XXXX XXXX XXXX before the billing due date invoking a billing error- XXXX XXXX XXXX XXXX ( a ). I am requesting XXXX XXXX XXXX to provide the certified tracking number used to mail all XXXX periodic statements to the address on file. If XXXX XXXX XXXX can not supply the tracking number I am requesting in good faith that XXXX XXXX XXXX notify all three consumer reporting agencies- ( XXXX, XXXX & Experian ) to update all XXXX alleged late payments to current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes requesting my personal information be updated to the most accurate and up to date information but old address and other names still remain on my credit report. XXXX, Equifax, and XXXX have failed to update my personal to only one address, one phone number, one name, and one employer. Correct information should be listed as : Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Phone Number - XXXX Employer XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax, XXXX and XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX and XXXX my written permission to furnish these accounts. 

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

ACCORDING TO 15 USC 1681XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> EXP XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I noticed several unauthorized transactions on my Cash App account. I immediately contacted Cash App to report the fraudulent activity and requested assistance in resolving the issue. Despite my prompt notification, Cash App failed to take timely and effective action to prevent further unauthorized transactions, leaving my account vulnerable.

After reporting the fraud, I also initiated a formal dispute through Cash Apps customer service to resolve the issue in accordance with the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require financial institutions to investigate unauthorized transactions within a specified time frame. However, Cash Apps dispute resolution process was delayed, unhelpful, and did not comply with the necessary error resolution procedures.

As a result, I have experienced significant financial loss and inconvenience. Despite my attempts to resolve the matter through their platform, I have not received a satisfactory response or a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a complaint with CFPB for XXXX XXXX XXXX, through the CFPB for the debt titled XXXX  for {$980.00}, they removed the debt back then but then put it back on it this past XXXX. 


This is predatory, this isn't mine. That's why you guys had them delete it in the first place. 

Here 's the previous complaint XXXX It was removed for 9 months until it came back. This is not y debt.
Product: Debt collection

From XXXX XXXX to XX/XX/XXXX I had a contract with XXXX XXXX XXXX company in XXXX TX. I discontinued my service due to work relocation, paid my bill and sent the equipment back to the company. 

On XX/XX/XXXX I applied to refinance my home loan in WA and saw the negative mark on my credit for a charge from XXXX XXXX XXXX. This mark lowered my credit score roughly XXXX points from an XXXX to a XXXX. 

I contacted the collection company seeking payment ( EOS ) and they gave me XXXX contact information. Upon contacting XXXX XXXX XXXX they told me that they never received a cable modem back from me in XX/XX/XXXX. I told them I sent it back and asked for the tracking confirmation for the box they sent me to return the equipment. The representative told me they could n't see and notes or information on my account because it was so old. They had very limited information. I also never received any mail or telephone calls related to this charge for the equipment from now back to XX/XX/XXXX. I asked for verification for any type of attempted contact and they also said they had no records for that. 

I have always changed/ forwarded my address at the United States Post Office upon relocating for work promptly because I value paying my debts and having a perfect credit score. I contacted the US Post Office to try and show verification of that, but they only keep copies of those records for one year. 

I am very responsible at paying all my bills and debts before due dates. I would have perfect credit if it were n't for this XXXX charge from XXXX XXXX XXXX related to a modem that I did return. If the modem never returned back to the company it was either lost in the postal service or there was an administration mistake, but due to XXXX records or lack there of, there is n't any information to prove a case. 

I never received any type of collection notification or opportunity to settle this issue prior to it appearing on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have a Capital One Auto loan, I am the primary holder and he is a co-signer on the loan. On XX/XX/XXXX he made his final car payment using the third-party system called, check-free pay. He was re-directed to it from his Capital One auto account where he entered in his Capital One account number and debit card information. This payment was for $ XXXXplus the fee using the third party service. Total equalling {$51.00}. We received the car title in the mail along with an overpayment check from Capital One on XX/XX/2021 in the amount of {$48.00}. Fast forward to XX/XX/XXXX when I checked my credit score and it said our capital One Auto account was in delinquency for 66 days in the amount of {$48.00}. I called Capital One to dispute the claim, and was told the payment after 7 days was insufficient due to either an issue with our bank, XXXX  or incorrect information. Although, the payment was fulfilled on our end and never returned to us. It was taken out of our account. I have statements to prove that. I also have proof of the overpayment check and the car title.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is allowing a fraudulent account that wasnt authorized by me, nor was opened by me to be placed on my Experian Credit File. This account was opened as a result of identity fraud, which Experian was already made aware of. Experian has my identity theft affidavit on file. This is a law enforcement affidavit that explicitly states the crime. This account was opened at an address that doesnt match my credit report. I have never lived at the address the creditor provided. This account is identity fraud. Please correct the mistakes you are making. Secondly Experian just accepts and adds whatever equifax provides them. XXXX   contains a ton of fraud, that XXXX refuses to fix their documentation is invalid, and I want Experian to stop accepting fraudulent information.
Product: Mortgage

I have a FHA Loan, after pass thru a forbearance plan due to be affected by COVID-19 pandemic ( Income reduction including unemployment claim ) I am requesting to my mortgage company ( XXXX XXXX XXXX XXXX ) to exit from that plan and start paying my monthly payment again but also I am requesting an Loan Modification in order to get a better rate but mainly to put my missing payments to the end of the loan. What I received from the company was a NON-Approval letter and they only evaluated my case using this 3 alternatives : Repayment Plan, Unemployment Forbearance and FHA HAMP Modification Trial but did not evaluated me for COVID-19 Partial Claim that can help me to resume the payments but putting the missing payments at the end of the loan, instead of that they are requesting me to pay the full amount immediately.
Product: Debt collection

The account appeared on my credit report as of XX/XX/. I contacted Transworld Systems, Inc.as of XX/XX/. In speaking with Transworld Systems, Inc. on XXXXXXXX I requested validation of the debt. I have not received anything in writing or electronically. Transworld Systems , Inc. proceeded to contact me again on XXXX This is a direct violation of my FDCPA rights. Transworld Systems , Inc. also failed to state the mini Miranda on several occasions ( I spoke with several people ).
Product: Credit reporting

I found on my Experian Credit Report hard inquiries that I did not authorize. I contacted Experian to remove these from my report and they refuse stating that the inquiries are a factual record. I have tried several times to get these removed since I did not authorize but Experian continues to not remove. These inquiries are from XXXX XXXX, XXXX XXXX, XXXX
Product: Student loan

Hello, I have attempted three times to partner with Navient to open an investigation regarding the student loan assigned to my SSN. I just realized the school the Student Loan was drawn from I never attended. This entire time I thought this Student Loan was from my XXXX XXXX and its not. Navient has me flagged for a loan that I cant afford to pay each month as well as its not even my loan. 

So therefore, I would like an investigation on the Student Loan amount to be place on some type of hold until a solution is determined as its fraudulent. 
Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reached out to Experian regarding an item listed under XXXX XXXX, which reflected a delinquency dated back to XXXX. This has exceeded the reporting timeframe of 4 years allotted by the state of California, I explained to the representative the FCRA guidelines for California, and he indicated that it is 7 years and that he would not assist me any further, and disconnected the phone. 

This item remaining on my credit is very damaging, I am a military service member who was on XXXX XXXX  our country when this matter occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX XXXX : {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX.
Product: Student loan

Two problems : 1. The fed loan website explicitly says that the coronavirus package can halt payments on my loan but these halted months will NOT count towards PSLF, which conflicts with what your site and many others say. I understood that I could halt payments AND those months would still count towards PSLF. Fedloan seems to be unwilling to recognize that as the situation. What is the truth? 
2. They calculated my repayment for a year based on my Obvious gross income that I provided. They made no attempt to get an adjusted discretionary income from me and I didnt know I had done wrong until they got my tax return one year later and said oh, your payment should actually be THIS. Which turned out to be about 1/3 the amount I was paying. So they essentially fleeced me out of ~XXXX that year and would not return the excess I was paying that I was NOT obligated to pay. It seems that if they get a tax return at the end of the year and your income is such that you were making more than the minimum payments required you should be able to get that back. If the government takes too much money from me in taxes, I GET IT BACK. Why wont the student loan office do the same thing?!! Its criminal and I am very upset by this. I have made complaints with both fedloan, student aid.gov, and even my government representatives and nobody will help me. That extra XXXX would sure help now ...
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request : Rectifying FCRA Violations in My Credit Report Dear TRANSUNION, I am urgently reaching out to address critical discrepancies in my credit report that violate the guidelines set forth in the Fair Credit Reporting Act ( FCRA ) within your agency. 

The FCRA serves as a crucial federal statute governing the collection and reporting of consumer credit information, emphasizing meticulous data handling, retention, and transparent disclosure. 

Identified FCRA violations encompass : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name similarities or social security numbers. 
Failure to comply with prescribed dispute resolution protocols. 
Under the Fair Credit Reporting Act, I have the right to : Verify the accuracy of my report, especially concerning employment-related matters. 
Receive notification if my information is used in credit applications or transactions against my interest. 
Dispute and request correction or removal of incomplete or erroneous data. 
Have outdated negative information removed in accordance with FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items breach FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused considerable distress and directly contributed to my recent credit denial based on errors in your agency 's records. 

[ Include the detailed list of items to be corrected, specifying their inaccuracies and requested corrections. ] I anticipate prompt and comprehensive action to rectify these violations within the FCRA stipulated timeframe. Failure to address these issues will necessitate exploring additional measures, potentially including legal actions, to protect my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX